Credit and insurance portfolio management and the monitoring of rural territories

Monitoramento de territórios rurais na gestão de credito e seguro

Credit and insurance portfolio management and the monitoring of rural territories

24 de May de 2022

Tempo de Leitura: 4 minutos

Agribusiness is one of the main pillars of the Brazilian economy. In many aspects, this influence is due to rural credit and investment in insurance policies. But did you know that monitoring rural territories is directly related to improved agricultural management?

Efficient monitoring of rural territories makes the management of a credit portfolio o agricultural insurance much more agile and transparent, as the large amount of data generated will allow for a very complete overview of operations and risks.

Therefore, we invite you to understand the true importance of providing agricultural credit and agricultural insurance for the success of agribusiness and how the monitoring of rural territories and the technological tools associated with it contribute to these processes.

Credit portfolio and insurance: essential for Brazilian agribusiness

Brazilian agribusiness has developed in such a way in recent years that the country has become one of the largest producers and exporters in the world in a relatively short period.

All the good results only show the country’s vocation in conducting such activity. However, this success would not have been possible without the provision of credit and insurance to the sector.

In our agribusiness, rural credit has been consolidated as one of the main production factors, being an important determinant of Brazilian agriculture’s success in recent decades.

This is largely due to consistent agricultural policies, able to guarantee a great number of resources and interest rates compatible with the return of activities in rural areas.

The purchase of rural insurance is also of great importance for the success of Brazilian agribusiness. It allows the producer to mitigate the risks of agribusiness, providing the recovery of its financial capacity in case of potential accidents.

However, for rural credit and insurance to be able to boost efficiency in the production system, producers, banks, finance companies, insurance companies and other agents in the sector must have the best data and information at their disposal.

Therefore, adopting good monitoring of rural territories is of great value, as it offers the best information about the area that will receive financing or that will be insured, thus reducing risk.

Monitoring rural territories: Relevant information for decision making

Agriculture in Brazil is characterized by having several different soils, climates, and production capacities. Consequently, rural properties tend to present different characteristics within the same area.

In the same territory, there are several different attributes that influence the production capacity, thus the management of the credit or insurance portfolio. In face of it, the monitoring of rural territories is of major importance, as it gives much information about a certain area.

The use of technologies for monitoring rural territories allows companies to understand what is happening in production areas through reports that gather data from different sources, including official data.

Monitoring allows for greater knowledge of what is happening in the field. It provides security in agricultural financing and insurance transactions, benefiting the producer and allowing more efficient inspections of large companies that operate within the agribusiness, such as insurance companies, banks, and finance companies.

Technological tools for the monitoring of rural territories

For a long time, one of the great difficulties for insurance companies and finance companies was to carry out inspections of certain territories to release the financing or to prepare an efficient agricultural insurance policy plan.

In the past, professionals working in such businesses had to carry out on-site visits, traveling to the property to carry out measurements and collect data/information.

However, this is changing with the use of technological tools – such as Agrotools’ digital solutions, which provide a complete assessment of rural territories, granting financial and insurance institutions the information they need and substituting the need for in-loco visits to the countryside.  

Besides from the enterprise solutions, Agrotools also has its Marketplace, where microsolutions, called Pixels, provide several relevant services. These Pixels cross data obtained from satellite imagery and multiple official sources, allowing for the calculation of many important criteria found in the territory, bringing more reliable information to banks, insurance, and financial companies linked to agribusiness.

These technological tools guarantee insurers and credit providers the ability to issue insurance and credit policies for the proper agricultural area of the property with much greater precision, reducing risks.

Therefore, the tools for monitoring rural territories make the processes much more agile and transparent, allowing the digitalization of the insurance and agricultural financing belt, and enabling the analysis and territorial mapping of the covered properties.

Do you want to know more about the importance of using digital platforms in managing your creditor portfolio? Contact us!


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