The National Land Credit Program (PNCF) Social credit line is aimed at low-income families registered in the Social Programs Single Registry (CADÚnico), located in the North and Northeast regions of the country, as well as the northern part of Minas Gerais and Espírito Santo, where the highest levels of poverty are concentrated in the country.
- 2025: 1,600 families contracted - 2026: 1,800 families contracted - 2027: 2,000 families contracted
2024 - R$ 61,7 milion.
Multisectoral Approach: Involves the Ministry of Agrarian Development (MDA) in coordinating the project; execution is carried out in partnership with states, financial agents, notary offices, and civil society organizations; the supervision mechanism is managed through the National Council for Sustainable Rural Development (Condraf), with active participation from civil society organizations.
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Particularly, the evaluation done in the scope of the Brazilian National Council for Public Policies Evaluation (CMAP 2022) uses longitudinal data to indicate that the beneficiary households have a persistent increase of income over years. A study by Galindo et al. (2024) suggests that the program has heterogeneous effects, showing significant positive outcomes over low-income workers.
References:
CMAP. Relatório de Avaliação Fundo de Terras e Reforma Agrária FTRA, ciclo 2022, publicado pelo Conselho de Monitoramento e Avaliação de Políticas Públicas - CMAP e Relatórios de Políticas Públicas do TCU. Available at: https://www.gov.br/planejamento/pt-br/acesso-a-informacao/participacao-social/conselhos-e-orgaos-colegiados/cmap/politicas/2022/avaliacoes-conduzidas-pelo-cmas/ftra_relatorio-de-avaliacao.pdf
GALINDO, E. P., RESENDE, G. M., CASTRO, C. N., CRAVO, T. A.. Texto para Discussão (TD) 2042 : Programa Nacional de Crédito Fundiário (PNCF): uma avaliação de seus impactos regionais. /Programa Nacional de Crédito Fundiário (PNCF): a review of its regional impacts. Instituto de Pesquisa Econômica Aplica (Ipea), 2024. Available at: https://repositorio.ipea.gov.br/handle/11058/3511
SILVA, P. A. O., MAGALHAES, M. M.. Land credit policy in Brazil: evidence from social networks. Repositório do Conhecimento do Ipea. International Policy Centre for Inclusive Growth (IPC-IG). Publicações do IPC-IG, 2016. Available at: https://repositorio.ipea.gov.br/bitstream/11058/15468/1/en_OP334_Land_credit_policy_in_Brazil_evidence_from_social_network.pdf
MAIA, SANT’ANA e SILVA. Políticas Públicas de Acesso à Terra: uma análise do Programa Nacional de Crédito Fundiário, em Nova Xavantina (MT). resr, vol.56, n2, p.311-328, 2018. aVAILABLE AT: https://www.scielo.br/j/resr/a/kH4ff6ryBgBJ38ztM37Q6yq/- Lesson: The commitment and involvement of both farmers and local, state, and municipal governments are essential for the program's success. - Mistakes to Avoid: Excluding key stakeholders from the program’s execution can lead to its failure. - Point of Attention: Ensure that all parties, both public and private, clearly understand the program’s stages, phases, and responsibilities.
- Lesson: Clear and transparent selection criteria are crucial to preventing fraud and building trust in the program. - Mistakes to Avoid: Ambiguous or poorly defined selection criteria can lead to unjust land acquisitions and dissatisfaction among participants. - Point of Attention: Establish clear, fair, and widely communicated selection criteria, ensuring that the process is auditable and transparent.
- Lesson: Integrating the PNCF with other rural development programs—such as technical assistance and extension services (ATER) and land access initiatives—amplifies its impact. - Mistakes to Avoid: Isolating programs, like Garantia-Safra, can reduce their overall effectiveness. -Point of Attention: Coordinate efforts with other support programs, such as technical assistance, rural credit, and agricultural insurance, to ensure greater efficiency and impact.
- Lesson: Providing farmers with training in sustainable farming practices and risk management can improve their resilience. - Mistakes to Avoid: Failing to offer adequate technical support may lead to ongoing dependency on external benefits without building long-term resilience. - Point of Attention: Integrate robust technical assistance programs that help farmers adopt more sustainable and resilient agricultural practices.
National Confederation of Agricultural Workers (CONTAG) advocates for Brazil’s re-democratization, union freedom and autonomy, the sustainability of the union movement, agricultural credit and insurance, land credit, technical assistance, rural extension, fair marketing, minimum price guarantees, cooperativism, associationism, and rural infrastructure. National Federation of Family Agriculture Workers (FETRAF) aims to strengthen and expand the representation of family farmers in Brazil, unify union actions around the central goal of supporting family agriculture, and build a project focused on Sustainable and Solidary Development. Landless Workers' Movement (MST) mobilizes and organizes rural workers and society at large in the fight for Agrarian Reform and a People’s Project for Brazil. Movement of People Affected by Dams (MAB) is dedicated to fighting for land, water, energy, and wealth distribution, while advocating for a more just and equal vision of the country. World Bank – A key formulator and financier of this land access program.
IICA - Brazil – A partner in implementing this public policy and a publisher of numerous studies and experiences on the topic.
SDG 1 - No Poverty
- Target 1.1 - By 2030, eradicate extreme poverty for all people everywhere, currently measured as people living on less than $1.25 a day.
- Indicator 1.1.1 - Proportion of the population living below the international poverty line by sex, age, employment status and geographical location (urban/rural)
- Target 1.4 - By 2030, ensure that all men and women, in particular the poor and the vulnerable, have equal rights to economic resources, as well as access to basic services, ownership and control over land and other forms of property, inheritance, natural resources, appropriate new technology and financial services, including microfinance.
- Indicator 1.4.1 - Proportion of population living in households with access to basic services.
- Indicator 1.4.2 - Proportion of total adult population with secure tenure rights to land, (a) with legally recognized documentation, and (b) who perceive their rights to land as secure, by sex and by type of tenure.
SDG 1 – No Poverty
- Target 1.1 – By 2030, eradicate extreme poverty for all people everywhere, currently measured as people living on less than $1.25 a day.
- Indicator 1.1.1 – Proportion of the population living below the international poverty line by sex, age, employment status and geographical location (urban/rural)
- Target 1.4 – By 2030, ensure that all men and women, in particular the poor and the vulnerable, have equal rights to economic resources, as well as access to basic services, ownership and control over land and other forms of property, inheritance, natural resources, appropriate new technology and financial services, including microfinance.
- Indicator 1.4.1 – Proportion of population living in households with access to basic services.
- Indicator 1.4.2 – Proportion of total adult population with secure tenure rights to land, (a) with legally recognized documentation, and (b) who perceive their rights to land as secure, by sex and by type of tenure.
The National Land Credit Program (PNCF) Social credit line is aimed at low-income families registered in the Social Programs Single Registry (CADÚnico), located in the North and Northeast regions of the country, as well as the northern part of Minas Gerais and Espírito Santo, where the highest levels of poverty are concentrated in the country.
– Lesson: The commitment and involvement of both farmers and local, state, and municipal governments are essential for the program’s success. – Mistakes to Avoid: Excluding key stakeholders from the program’s execution can lead to its failure. – Point of Attention: Ensure that all parties, both public and private, clearly understand the program’s stages, phases, and responsibilities.
– Lesson: Clear and transparent selection criteria are crucial to preventing fraud and building trust in the program. – Mistakes to Avoid: Ambiguous or poorly defined selection criteria can lead to unjust land acquisitions and dissatisfaction among participants. – Point of Attention: Establish clear, fair, and widely communicated selection criteria, ensuring that the process is auditable and transparent.
– Lesson: Integrating the PNCF with other rural development programs—such as technical assistance and extension services (ATER) and land access initiatives—amplifies its impact. – Mistakes to Avoid: Isolating programs, like Garantia-Safra, can reduce their overall effectiveness. -Point of Attention: Coordinate efforts with other support programs, such as technical assistance, rural credit, and agricultural insurance, to ensure greater efficiency and impact.
– Lesson: Providing farmers with training in sustainable farming practices and risk management can improve their resilience. – Mistakes to Avoid: Failing to offer adequate technical support may lead to ongoing dependency on external benefits without building long-term resilience. – Point of Attention: Integrate robust technical assistance programs that help farmers adopt more sustainable and resilient agricultural practices.
Inclusive credit and financial services; Pro-poor access to agricultural inputs, technology and knowledge
National Confederation of Agricultural Workers (CONTAG) advocates for Brazil’s re-democratization, union freedom and autonomy, the sustainability of the union movement, agricultural credit and insurance, land credit, technical assistance, rural extension, fair marketing, minimum price guarantees, cooperativism, associationism, and rural infrastructure. National Federation of Family Agriculture Workers (FETRAF) aims to strengthen and expand the representation of family farmers in Brazil, unify union actions around the central goal of supporting family agriculture, and build a project focused on Sustainable and Solidary Development. Landless Workers’ Movement (MST) mobilizes and organizes rural workers and society at large in the fight for Agrarian Reform and a People’s Project for Brazil. Movement of People Affected by Dams (MAB) is dedicated to fighting for land, water, energy, and wealth distribution, while advocating for a more just and equal vision of the country. World Bank – A key formulator and financier of this land access program.
IICA – Brazil – A partner in implementing this public policy and a publisher of numerous studies and experiences on the topic.Multisectoral Approach: Involves the Ministry of Agrarian Development (MDA) in coordinating the project; execution is carried out in partnership with states, financial agents, notary offices, and civil society organizations; the supervision mechanism is managed through the National Council for Sustainable Rural Development (Condraf), with active participation from civil society organizations.
– 2025: 1,600 families contracted – 2026: 1,800 families contracted – 2027: 2,000 families contracted
2024 – R$ 61,7 milion.
Digital Service Obtain Credit, Digital Service CET, Release Dashboard