CLUSTER AS A STRATEGY TO IMPROVE ACCESS TO FINANCING AND PRODUCTIVITY FOR SMALL-SCALE FARMERS: A LITERATURE REVIEW

Abstract

The objective of this research was to analyze how the cluster facilitates access to funding and contributes to increased productivity of smallholder farmers. This study is a literature review. Data collection was done through an exhaustive search of the Scopus and Scielo databases, selecting a total of 30 relevant articles. From the analysis of the reviewed documentation, it was concluded that most of the prevailing research presents a quantitative approach. Among the common findings, it was identified that agricultural clusters facilitate access to credit by improving trust between producers and financial institutions. In addition, it was emphasized that associativity within clusters optimizes financing and reduces production costs, thereby increasing the competitiveness of the agricultural sector. However, to ensure the success of clusters in accessing credit, it is essential to strengthen the financial education of producers, implement supportive public policies and promote the digitization of financial services. The structuring of cooperation and sustainable financial networks will be key to the economic development and financial inclusion of smallholders.