EN 
PT_BR The Mato Grosso Soybean and Corn Producers Association (Aprosoja MT) sent Official Letter No. 1383/2025 to the Ministry of Agriculture and Livestock (MAPA), expressing concern about the criteria adopted for access to rural credit lines created by Provisional Measure No. 1,314/2025. The entity argues that financial institutions should be authorized to carry out individualized analysis of applications, as provided for in the Provisional Measure itself, and should not apply territorial or statistical filters that could exclude producers who have suffered real losses.
Published in September, the Provisional Measure allows for the renegotiation of debts for producers who registered losses in two or more harvests between July 1, 2020, and June 30, 2025, due to extreme weather events. The program provides for credit lines with subsidized interest rates between 2% and 6% per year, terms of up to nine years, and a one-year grace period.
However, the regulations approved by the National Monetary Council (CMN) through resolutions No. 5,247 and No. 5,257 ended up restricting this access. The current rules stipulate that only producers located in municipalities listed by the Ministry of Agriculture and falling within average percentages of losses, calculated based on data from the Municipal Agricultural Survey (PAM/IBGE), are entitled to the subsidized credit.
According to Aprosoja MT, this requirement distorts the original purpose of the provisional measure and excludes producers from the benefit who, even with proven severe losses, do not fall within the municipal statistics or are not in regions with a recognized state of emergency decree.
“The restriction for our state is impacting and making it impossible for producers who have experienced drought or excessive rain, along with a drastic drop in the price of soybeans and corn, leading to negative margins. And the announced resolution leaves these producers helpless, as the interest rates and repayment terms that Provisional Measure 1314/2025 makes available to other producers would provide the necessary breathing room for rural producers in our state to continue producing food, jobs, income, and development for their region,” said the administrative director of Aprosoja MT, Diego Bertuol.
According to him, producers who have technical proof of losses should be automatically included in the conditions stipulated by the Provisional Measure. “Today, rural producers already have the legal guarantee of extending their investments with subsidized interest rates. However, when we look at reality, these interest rates can be halved. Hence the need to look at each case individually. Producers who are not acting in bad faith, who have all the necessary reports proving their losses, are already guaranteed eligibility for these lines of credit, providing security to continue working. Producers don't want to default; they want interest rates and terms that are realistic to their ability to pay, not something that snowballs and perpetuates the problem,” he stated.
The document sent to the Ministry cites examples of municipalities that faced severe weather events and high levels of rural debt, such as Paranatinga, Guarantã do Norte, Rondonópolis, Tangará da Serra, and Vila Bela da Santíssima Trindade. Data from the Department of Regulation, Supervision and Control of Rural Credit and Proagro Operations (DEROP/Central Bank) shows that almost 151% of Mato Grosso's rural credit portfolio, approximately R$14 billion, is already in arrears or under renegotiation. This number highlights the urgency of measures that guarantee accessible interest rates and adequate terms.
The administrative director of Aprosoja MT also highlights long-standing problems that hinder access to credit, such as bureaucracy, excessive requirements, and delays in the processes.
“The main obstacle is the delay in any operation, and this is nothing new. It's the lack of resources, even when the Ministry talks about a historic harvest plan, in addition to the high guarantees required that tie the producer down, the tied sales, which make interest rates exceed the producer's net income. Barriers like these make it difficult to obtain emergency credit lines. Today, in Mato Grosso, in most cases, if financial institutions or credit cooperatives extended debt repayment terms, granting grace periods and adequate deadlines, it would be possible to prevent many producers from going bankrupt, resorting to judicial reorganization or, in extreme situations, with their emotions shaken, taking their own lives,” he warned.
Given this scenario, Aprosoja MT demands that the Ministry of Agriculture reassess the criteria imposed by the CMN (National Monetary Council) and authorize banks to conduct individual analyses of credit operations based on technical proof of losses. The organization emphasizes that, instead of applying generic territorial and percentage criteria, the government should allow financial institutions to evaluate the situation of producers on a case-by-case basis, as foreseen in Provisional Measure 1.314/2025. This measure assigns to financial agents the responsibility of analyzing the payment capacity, economic conditions, and debt history of each borrower, within the established equalized conditions.
“Aprosoja Mato Grosso stands with the producers, once again urging Minister Carlos Fávaro to modify the criteria and ensure that Mato Grosso producers are aligned with Provisional Measure 1314/2025. This would demonstrate that the ministry is acting in accordance with the principles of all producers who are experiencing the greatest financial crisis in Brazilian agribusiness,” concluded Diego Bertuol.
The entity warns that, otherwise, producers affected by droughts, heavy rains, and fires may be forced to renegotiate their debts in market lines with interest rates above 16% per year, outside the protection of the Provisional Measure. This could worsen indebtedness and increase the risk of insolvency in the agricultural sector. By limiting the scope of subsidized credit, the current regulation pushes thousands of producers into costly and ineffective renegotiations, contradicting the objective of emergency relief foreseen by the measure.
Aprosoja MT therefore requests that MAPA reassess the supplementary regulations and expressly authorize banks to conduct individualized analysis of credit operations, based on technical proof of losses, within the equalized regime of MP 1.314/2025. The entity emphasizes that the central objective of the measure must be preserved: to assist vulnerable producers and ensure the continuity of food production in the country, without territorial distinctions.
