75 2016 Interest rates Brazil The semi-arid region Repayment terms • 2.5%a year - for up to R$ 10,000 • 4.5% - for one or more transactions worth between R$ 10,000 and R$ 30,000 or in the case of funding for the isolated acquisition of animals for breeding and fattening • 5.5% a year - for over R$ 30,000 • 2.0% a year - for up to R$ 10,000 • 3.5% a year - for one or more transactions worth between R$ 10,000 and R$ 30,000, or in the case of funding for the isolated acquisition of animals for breeding and fattening • 4.5% - for over R$ 30,000 • Up to 5 years, including 1 year of grace, for trucks • Up to 2 years, including 1 year of grace for the isolated acquisition of animals for breeding and fattening • Up to 10 years, including up to 3 years of grace for other financeable items Attractive interest rates and terms The conditions for the acquisition of implements using the benefits under he More Food Program Another sales channel The government has included highway implements in the More Food Program, allowing small farmers access to low interest rates. This creates a new business opportunity for the sector Farmers included in the National Program to Strengthen Family Agriculture (Pronaf) can purchase equipment vi at the More Food Program, a credit line created by the federal government through the Ministry of Agrarian Development (MDA), at special interest rates, with grace periods and favorable payment terms (see box). The More Food Program allows investment in modernization of the production infrastructure for family farms with the acquisition of machinery, implements and new equipment to correct and restore soil, to buy milk coolers, invest in genetic improvement, irrigation, and the establishment of orchards, greenhouses, storage, and so on. The credit line includes projects associated with all the crops and activities on a family property, says the MDA. Alcides Braga, president of the National Association of Highway Equipment Manufacturers (Anfir) says this program is an opportunity for companies to expand their businesses. “Companies learn this market works and how they can meet the needs of farmers,” he says. In anticipation of this opportunity generating interest, Braga says it is important to provide information to the target audience. In his view, the Ministry of Agrarian Development must tell farmers enrolled in the More Food Program about it. However, Anfir is also doing its part and is encouraging its members to do the same. “In Anfir publications we talk about the loans and objectives. And every manufacturer has the right to approach potential clients with their solutions.” Braga recommends that implement manufacturers refer to the rules and procedures of the More Food Program. And he adds that Anfir can help members with specific information to help them do business. tes e ofertar suas soluções”. O presidente da Anfir recomenda ao fabricante de implemento sempre consultar as normas, regras e procedimentos do Programa Mais Alimentos. E esclarece que a entidade pode assistir também os associados com informações específicas que estiverem em sua disponibilidade, buscando facilitar o entendimento visando a realização de negócios.
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