Summary of Tech e Startups: Fintech de consórcios para o Agro

00:00:00 - 00:25:00

In the "Tech e Startups: Fintech de Consórcios para o Agro" YouTube video, Marcelo Kogut discusses Maicon, a fintech consortium solution for the agricultural sector that offers a 100% digital acquisition process with lower interest rates and extended payment terms for agricultural machinery purchases. The consortium, which has seen success in the real estate sector, aims to provide more accessible and affordable credit for the nearly 17 million small farmers in Brazil who face difficulty accessing traditional financing. Additionally, the video explores the benefits of consortium loans and the introduction of Luminous Supplementation technology. Luminous Supplementation uses specific wavelengths of light to enhance plant growth, particularly for crops like corn and soybean. The technology is economically viable, customizable, and has low production and maintenance costs. The video also highlights Cronos Technology, which reduces cane-soca costs by up to 40% by grouping various operations into one pass using a single tractor. This technology enables farmers to apply insumos (agrochemicals) uniformly and efficiently, reducing the need for multiple passes and minimizing damage to the cane-soca. Lastly, the video introduces a new technology developed in California that helps farmers identify and count pests in real-time without requiring internet or phone signal. This system, which uses sensors and a proprietary counting system, provides farmers with valuable information about their crops and helps them make informed decisions about pest management, increasing efficiency and reducing the need for physical inspections.

• 00:00:00 In this section of the YouTube video titled "Tech e Startups: Fintech de consórcios para o Agro," Marcelo Kogut discusses a new fintech consortium solution for the agricultural sector. Launched two years ago, the consortium, named Maicon, has seen significant growth and success in the real estate sector. Maicon offers a 100% digital acquisition process, reducing administrative costs by half and offering lower interest rates than traditional methods. The consortium also extends payment terms to 120 months for agricultural machinery purchases, making it an attractive option for small farmers who have limited access to affordable credit. The video highlights the potential for growth in this sector, as small farmers represent nearly 17 million producers in Brazil and often face difficulty accessing credit with lower interest rates. The consortium aims to provide a more accessible and affordable credit solution for this underserved market.
• 00:05:00 In this section of the YouTube video titled "Tech e Startups: Fintech de consórcios para o Agro," the speaker discusses the benefits of consortium loans for farmers. Through a consortium that ranges from 30 thousand reais to five million, a farmer can purchase consortiums according to their needs, such as upgrading all the machinery on their farm or buying a new harvester. Consortiums provide easy access to credit with no interest and the ability to pay in installments, similar to a bank loan. However, the repayment period for consortium loans is much longer, up to 240 months or 20 years, making it significantly cheaper than traditional financing. Another advantage of consortiums is their versatility, as the credit can be used for various purposes, including purchasing equipment, expanding land, and installing solar energy projects. The speaker also mentions a new lighting solution for agriculture, which will be presented by Marcos Rocha from Luminosa Verde. The development of this solution was done in partnership with Philips and Sonepar, and the results have been impressive. The goal is to help Brazilian farmers optimize their crop yields with the right spectrum of light for each specific crop.
• 00:10:00 In this section of the YouTube video titled "Tech e Startups: Fintech de consórcios para o Agro," the speakers discuss a new solution for agricultural production called "Luminous Supplementation." This technology uses specific wavelengths of light to enhance plant growth, particularly for crops like corn and soybean. The speakers explain that the right composition of light intensity and color spectrum is crucial for each crop, and this affects the overall productivity. The technology is economically viable, and the company is confident in its viability in the agricultural market. They are currently introducing the initial product, but plan to develop a second generation with adjustable light spectra for specific crops. The requirement for infrastructure for this product is the pivot, and it needs to be installed alongside irrigation systems. The cost of production for this technology is low due to the use of LED lights, and the energy consumption is minimal, making it a cost-effective solution for farmers. The maintenance costs are also low, and the lamps have a long lifespan of up to 36,000 hours. The speakers emphasize that the installation and calibration of the Luminous Supplementation system require a specialized team, but the costs and complexities are manageable.
• 00:15:00 In this section of the YouTube video titled "Tech e Startups: Fintech de consórcios para o Agro," Cronos Technology is discussed as a solution to reduce cane-soca costs by up to 40% by grouping various operations into one pass using a single tractor. The equipment, which can apply multiple sums of fertilizers, insecticides, and herbicides in one pass, allows farmers to control insumo applications precisely, ensuring the correct dose for each point in the field. This technology, which is also used for georeferencing and measuring the flow of the furrow during the tractor's movement, enables farmers to apply insumos uniformly and efficiently, reducing the need for multiple passes and minimizing damage to the cane-soca. By applying insumos before the cane has fully developed, farmers can save time and resources, making the Cronos solution a valuable tool for precision agriculture.
• 00:20:00 In this section of the "Tech e Startups: Fintech de consórcios para o Agro" YouTube video, the speaker discusses the use of technology in agriculture, specifically in the application of agrochemicals such as insecticides and herbicides. The implementation of technology, including computerized systems and specialized labor, leads to increased efficiency and reduced consumption of fuel, as well as sustainability benefits such as reduced soil compaction and gas emissions. The technology is customized to meet the specific needs of different clients, and the goal is to make it available to other units and factories. The Cronos system, a partnership between the company and its clients, offers a customized solution for the application of insumos (agrochemicals) to agricultural lands. The technology uses artificial intelligence for the monitoring of pests and allows for quick and effective decision-making. The video also showcases a pilot automatic extractor and other developments in Brazil to bring viable and realistic digital solutions to farmers. The monitoring is done weekly, and data is collected and analyzed to create an infestation level indicator, allowing for timely and effective pest control. The technology has been crucial in the past to prevent significant losses in Brazilian agriculture.
• 00:25:00 In this section of the YouTube video titled "Tech e Startups: Fintech de consórcios para o Agro," the speakers discuss a new technology developed in California to help farmers identify and count pests in real-time, without requiring internet or phone signal. The system, which is based on a proprietary counting system, uses sensors to detect pests and transmit the data to the farmer through the company's own secure network. The farmer is the only one with access to this information, which includes the number of pests captured and the type of pests. This technology provides farmers with valuable information about their crops and helps them make informed decisions about pest management, increasing efficiency and reducing the need for physical inspections. The speakers emphasize the importance of this technology in ensuring farmers have accurate and timely information to make effective decisions for their crops.