Crédito informal aos agricultores do Distrito de Xai-Xai na campanha 1995/96

Abstract

This work analyzes the Informal Credit to Farmers in the District of Xai-Xai in the 1995/96 Campaign, with the aim of verifying the use of credit as a way of providing the farmer with the necessary financial resources. To achieve this objective, the simple comparative method of the percentages of profitability of microfinance and a typical commercial bank - Banco Comercial de Moçambique is adopted. The income obtained is satisfactory despite the fact that there are unrecorded costs that are confused with family spending and the so-called figurative costs. Regarding debt amortization, it is noted that only 16% of users were unable to honor their commitments in good time to reimburse capital and interest. From the simulation of informal credit for BCM bank credit, at the rate of 26% per year, it can be said that the family sector farmer is eligible for credit to develop his activity in a competitive way and contract credit on a commercial basis. , with the approval of an entity. It is recommended that donors and the government should create mechanisms for the interaction of microfinance and commercial banks, as they have an organic structure and technology for low-cost evaluation and control, thus, contracting credit would be less costly. On average, the microfinance interest rate was 45% and, on the other hand, the market interest rate was around 35%. Despite the efforts that microfinance has made in recent times to publicize the offer of its products and services, most of the population remains constrained in accessing financial services to obtain credit and savings, which requires greater dynamism, innovation and greater dissemination of the system and its advantages by operators and banking supervision.