Empréstimo consignado a aposentados e pensionistas do INSS: relação entre hipervulnerabilidade e superendividamento

Abstract

In Brazil, the granting of credit has grown in recent years, a trend that continues to rise. In this economic approach, mainly of financial researchers, carried out in Brazil, the society thought economic for the negative reflexes, but mainly the target audience, in particular, the elderly of retirees and pensioners of the National Social Security Institute (INSS). Taking this situation into account, we seek to answer the research question: how to minimize the indebtedness resulting from the granting of consigned credit to retired elderly and INSS pensioners? It is assumed that, in order to minimize or even avoid situations of superdivisibility of the elderly, it is necessary to have a background in the strict rules of consumption, as well as the strict rules that exist for this purpose, in addition to the recognition of the hypervulnerability of the elderly, who must provide a service fair and transparent. Based on this problem, the general objective is analyzed as characteristics of a payroll-deductible financial standard and its impact on the population, a relevant relevant theme in the face of the credit market and factors that directly impact the population's economy. Brazilian. To achieve the objectives, the approach of the type of qualitative research is used, worth of bibliographical research, by the research technique, based on the Federal Constitution of 198, in ordinary laws, legislative proposals and jurisdictions, as well as specific theoretical studies on the theme. The analysis of historical landmarks that shaped the structure of the current payroll loan market in Brazil; The contracting of the market up to the hypervulnerability of the device in the payroll loan portfolio. In the end, considering the position of the Brazilian courts and the innovative doctrine that deals with the inclusion of the prevention of additional indebtedness in the Consumer Defense Code (CDC), which, Law no 14.181/1921, will be produced on the prevention and the treatment of over- indebtedness.