Nagro Agro Crédito, a Brazilian fintech company, specializes in tailored financial solutions for the agricultural sector, with a strong focus on empowering women farmers. Using its advanced data platform, AgriSK, Nagro tackled a persistent issue in rural finance: the misuse of women’s identities as “laranjas” (fronts) by male partners, who were the actual managers of farms. This practice led to poorly managed loans and higher default rates.

To address this, Nagro restructured its credit assessment process and introduced robust verification protocols to ensure that women listed on loan applications were the true operators of their agricultural businesses. The initiative also included a direct engagement strategy, where credit officers worked closely with women applicants, helping them strengthen their managerial skills and access the resources they needed to run their farms effectively.