{"id":2786,"date":"2026-02-17T13:58:00","date_gmt":"2026-02-17T18:58:00","guid":{"rendered":"https:\/\/shareppyinternacional.com\/?p=2786"},"modified":"2026-02-17T13:58:08","modified_gmt":"2026-02-17T18:58:08","slug":"agricultural-credit-and-private-banking-what-is-at-stake","status":"publish","type":"post","link":"https:\/\/shareppyinternacional.com\/en\/agricultural-credit-and-private-banking-what-is-at-stake\/","title":{"rendered":"Agricultural credit and private banking: what is at stake?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<div class=\"w-full text-token-text-primary\" dir=\"auto\" data-testid=\"conversation-turn-3\" data-scroll-anchor=\"false\">\n<div class=\"py-2 juice:py-[18px] px-3 text-base md:px-4 m-auto md:px-5 lg:px-1 xl:px-5\">\n<div class=\"mx-auto flex flex-1 gap-3 text-base juice:gap-4 juice:md:gap-5 juice:lg:gap-6 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem]\">\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"131a39cf-3206-43a5-b754-5ae4bb211c29\">\n<div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex-1 overflow-hidden\">\n<div class=\"h-full\">\n<div class=\"react-scroll-to-bottom--css-niuhr-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-niuhr-1n7m0yu\">\n<div class=\"flex flex-col text-sm md:pb-9\">\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-7\" data-scroll-anchor=\"true\">\n<div class=\"text-base py-[18px] px-3 md:px-4 m-auto w-full md:px-5 lg:px-4 xl:px-5\">\n<div class=\"mx-auto flex flex-1 gap-4 text-base md:gap-5 lg:gap-6 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem]\">\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<p>In recent weeks, there has been debate about the possibility of the government using a decree to impose greater obligations on private banks to invest in agricultural projects.<\/p>\n<p>The proposal has divided economists, financial associations, and industry analysts. The key question is not only whether it is a good or bad measure, but also what implications it would have for financial stability, credit, and risk management in Colombia.<\/p>\n<h3 data-start=\"579\" data-end=\"752\">What are these types of measures seeking to achieve?<\/h3>\n<p>The main objective is to strengthen the agricultural sector, improve access to rural credit, and boost the productive economy.<\/p>\n<p>Historically, agriculture has faced:<\/p>\n<ul>\n<li data-start=\"1247\" data-end=\"1278\">Low access to formal credit<\/li>\n<li data-start=\"1281\" data-end=\"1312\">High levels of informality<\/li>\n<li data-start=\"1315\" data-end=\"1341\">Difficulties in obtaining guarantees<\/li>\n<li data-start=\"1344\" data-end=\"1372\">Higher perceived risk<\/li>\n<\/ul>\n<p data-start=\"1374\" data-end=\"1573\">From the government&#8217;s perspective, encouraging\u2014or requiring\u2014greater participation by the financial system in this sector could boost regional development, financial inclusion, and productive growth<\/p>\n<h3 data-start=\"1580\" data-end=\"1607\"><strong>What do the experts say?<\/strong><\/h3>\n<p>Opinions are divided into two main camps:<\/p>\n<p>\ud83d\udd39 Favorable stance<\/p>\n<p>Some economists believe that:<\/p>\n<ul>\n<li>Targeted credit can close historical gaps.<\/li>\n<li>The agricultural sector has underfunded productive potential.<\/li>\n<li>Greater investment in the countryside can boost employment and exports.<\/li>\n<\/ul>\n<p>In addition, Colombia has already used development credit schemes in the past, especially through public entities such as Finagro.<\/p>\n<p>\ud83d\udd39 Critical stance<\/p>\n<p>Other analysts warn of significant risks:<\/p>\n<ul>\n<li>Forcing private banks to comply could affect the efficient allocation of capital.<\/li>\n<li>If risk is not managed correctly, the non-performing loan portfolio could increase.<\/li>\n<li>Credit decisions should be based on technical analysis, not regulatory pressure.<\/li>\n<\/ul>\n<p>The financial system operates under principles of risk assessment, solvency, and sustainability. If that balance is altered, it could generate side effects such as:<\/p>\n<ul>\n<li>An increase in interest rates.<\/li>\n<li>Credit restrictions in other sectors.<\/li>\n<li>An impact on financial stability.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 data-start=\"2672\" data-end=\"2705\"><strong>Is it good or bad for the country?<\/strong><\/h3>\n<p>There is no black-and-white answer.<\/p>\n<p>The impact will depend on:<\/p>\n<ul>\n<li>How the regulation is structured.<\/li>\n<li>Whether there are state guarantees or risk mitigation mechanisms.<\/li>\n<li>The quality of credit assessment.<\/li>\n<li>Technical support for the agricultural sector.<\/li>\n<\/ul>\n<p>Agricultural credit can be a great opportunity, but it requires adequate tools for analysis, traceability, and management.<\/p>\n<h3 data-start=\"3096\" data-end=\"3149\"><strong>The real challenge: risk management and technology<\/strong><\/h3>\n<p data-start=\"3151\" data-end=\"3216\">Beyond the political debate, the technical focus is on another point:<\/p>\n<p style=\"text-align: center;\" data-start=\"3218\" data-end=\"3272\"><strong>How can we ensure that agricultural credit is sustainable?<\/strong><\/p>\n<p>This is where key factors come into play, such as:<\/p>\n<ul>\n<li>Scoring adapted to rural realities.<\/li>\n<li>Integration with credit bureaus.<\/li>\n<li>Document digitization.<\/li>\n<li>Traceability in origination.<\/li>\n<li>Efficient portfolio management.<\/li>\n<\/ul>\n<p>Financial inclusion cannot depend solely on decrees. It needs structure, data, and technology.<\/p>\n<h3 data-start=\"3597\" data-end=\"3660\"><strong>What does this mean for cooperatives and financial institutions?<\/strong><\/h3>\n<p>Cooperatives and institutions in the sector must prepare to:<\/p>\n<ul>\n<li>Adjust assessment models.<\/li>\n<li>Strengthen their portfolio management.<\/li>\n<li>Digitize processes to reduce operational risk.<\/li>\n<li>Have greater real-time visibility of their sector exposure.<\/li>\n<\/ul>\n<p>A changing regulatory environment requires technological maturity and adaptability.<\/p>\n<p>Forcing private banks to invest in agricultural projects can generate inclusion and development, but it also poses technical and financial challenges.<\/p>\n<p>The real difference will not be in the regulation, but in the ability of institutions to manage risk with intelligence, data, and structured processes.<\/p>\n<p>In the financial sector, sustainability does not depend solely on intention. It depends on execution.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<p class=\"\" data-start=\"1093\" data-end=\"1304\">\ud83d\udce9<strong> Contact us and schedule a demo:<\/strong><br data-start=\"1140\" data-end=\"1143\" \/>\ud83d\udc49 <a class=\"\" href=\"https:\/\/shareppyinternacional.com\/en\/\" target=\"_blank\" rel=\"noopener\" data-start=\"1146\" data-end=\"1216\">www.shareppyinternacional.com<\/a><br data-start=\"1216\" data-end=\"1219\" \/>\ud83d\udcf1 Text us on WhatsApp: +57 324 296 5208<br data-start=\"1262\" data-end=\"1265\" \/>\ud83d\udce7 <a class=\"cursor-pointer\" rel=\"noopener\" data-start=\"1268\" data-end=\"1302\">comunicaciones@shareppyinternacional.com<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Analysis of the proposal to private banks to finance agricultural projects in Colombia. Risks, opportunities, and impact for the financial and cooperative sector.<\/p>\n","protected":false},"author":3,"featured_media":2791,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"wds_primary_category":28,"_joinchat":[],"footnotes":""},"categories":[28],"tags":[],"class_list":["post-2786","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>- Blog<\/title>\n<meta name=\"description\" content=\"Analysis of the proposal to private banks to finance agricultural projects in Colombia. 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