03.1 - Graduação (UAST)
URI permanente desta comunidadehttps://arandu.ufrpe.br/handle/123456789/2926
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Resultados da Pesquisa
Item Proposta de melhoria para o processo de concessão de crédito rural em uma agência bancária(2021-03-02) Santana, Lucinaldo Nogueira; Bilar, Alexsandro Bezerra Correia; http://lattes.cnpq.br/4369592935630639; http://lattes.cnpq.br/2548027982061620This article presents an improvement proposal for the credit granting process of a bank branch. The rural credit concession service is important to foster the local economy, especially in northeastern municipalities. But often, there is too much bureaucracy in providing this service, reducing its efficiency. In this context, the following research question was asked: how to make the process of granting rural credit from a bank branch, specialized in promoting regional development, located in Serra Talhada-PE, more efficient? In view of this inquiry, the general objective of this research was to analyze and propose improvements to the current rural credit process of a regional development banking agency in Serra Talhada/PE and as specific objectives: a) to verify how activities involving the granting of rural credit are carried out; b) identify the points that need improvement in the process; c) propose measures to optimize and provide higher quality to the service offered. A qualitative research was carried out, characterized as a case study. The techniques of direct observation and semi-structured interviews for data collection were used. The results showed that the 4 process under analysis has the following stages: registration, credit application, hiring, disbursement and filing, and excessive bureaucratic procedures were found. It was concluded that the reformulation in the flow of activities, mainly in reducing the amount of credit instrument (CI) routes can increase the efficiency of this process without causing further losses.Item Análise descritiva do montante de contratações do PRONAF realizados pelo Banco do Nordeste do Brasil, agência Serra Talhada - PE, no período de 2010 a 2018(2019) Amaral, Maciel Batista do; Santos, Loraine Menêses dos; http://lattes.cnpq.br/4166590770317390The purpose of this work is to provide a quantitative descriptive analysis of the amount of contracting under the PRONAF (National Program for Strengthening Family Agriculture) carried out by the Bank of the Northeast of Brazil, in the municipalities covered by the Serra Talhada Agency in the period from 2010 to 2018, through data available on the bank's own website. Additionally, analyzing the inter-municipal oscillations throughout the period, comparing with the volume of hirings by the Program, in the state of Pernambuco and in all the coverage of the bank. As a main result, it was verified that the Serra Talhada Agency - PE was responsible for more than R $ 110 million of PRONAF hiring in the period, an average of 4.44% of the total of Pernambuco, showing its important relevance in the application of the Program. The analysis by municipalities showed a positive relation between rural population size and territorial extension with the volume of contracting, being Serra Talhada and São José do Belmonte the largest contractors of the period. Finally, the study of hiring by groups highlighted the importance of the small family farmer, since, even in the lowest income bracket (gross annual family income of up to R $ 23,000.00), PRONAF Group "B" was responsible for more of the hiring of the period.