Características associadas à inadimplência por parte de tomadores de Crédito Rural: uma análise no âmbito dos beneficiados do projeto FUNDAF

Abstract

In recent years the increase in the volume of credits for rural activities have required the use of risk assessment models, such as credit scoring, form lenders in their credit policies that provide them, more precisely, an assessment effective regarding to the possibility of default. The objective of this research is to investigate the default among borrowers benefited from the rural Project Fund for the Development of Family Agriculture - FUNDAF Project, seeking to establish a relationship between the characteristics of borrowers and defaults. Using the method of exploratory and descriptive research, data from side to acquire the characteristics of the population investigated was collected. This collection was made in the loan portfolio consisted of 216 National Agency of Enterprise Development ANDE borrowers in the rural community of Jucuri / RN. Five groups of characteristics relating to borrowers were used to develop this work,: Status, Personal profile of borrowers, financial profile of borrowers, credit profile of the operation, the Default Profile. To achieve the proposed objectives, three methods of analysis were used: descriptive statistics, Fisher test and Mann-Whitney U test. The results show that the characteristics that have significance in relation to default were those relating to the financial profile of the borrower's credit, revenue, expense and provision for the ANDE and the profile of credit: the value of the parcel. It can be seen as indicative of the high percentage of defaults in the portfolio of rural credit in that entity, non-observance of strict evaluation criteria relating to income and expenditure characteristics of borrowers indispensable prerequisite to the discharge of the provision stipulated.