Finanças pessoais: uma análise sobre o endividamento e a inadimplência das famílias brasileiras

Abstract

This study aimed to identify tge characteristics of indebtedness and default among Brazilian families according to the Consumer Debt and Default Survey. Using data provided by the National Confederation of Commerce of Goods, Services and Tourism, a descriptive, documentary and quantitative research was adopted to attend to the proposed objective, considering data from January 2010 from October 2021, totalizing 142 months for the analysis. More significantly, the sanitary restrictions imposed as a rsult of the new coronavirus pandemic also caused several socioeconomic impacts. The survey results point to a current scenario of indebtedness growth in all income groups, with 2021 being the year with the highest indexes, with more than 70% of Brazilian families indebted. However, default did not show the same growth trend, with a pleasant scenario, with its levels varying only between 19% and 25% throughout the entire survey. Finally, regarding the types of debts, it was identified that the credit card, payroll-deductible loans and carnet are the types of debt that most exert a positive influence on households debt levels, regardless of income ranges. It was concluded, therefore, that there is a need for continuous work with consumers to make it possible for the population to have knowledge and opportunities to manage their own resources well and prevent these levels of indebtedness form groing further.