DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK)
Autor(a) principal: | |
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Data de Publicação: | 2008 |
Outros Autores: | |
Tipo de documento: | Artigo |
Idioma: | por eng spa |
Título da fonte: | RAM. Revista de Administração Mackenzie |
Texto Completo: | https://editorarevistas.mackenzie.br/index.php/RAM/article/view/129 |
Resumo: | Default is one of the main factors bringing great concern to companies today, regardless of their size or invoicing. More than selling, they are concerned about how and when they will receive to assure their own survival. This work has for objective to understand the degree of significance given by borrowers of Caixa Econômica Federal (Caixa) in respect of dwelling default in the State of Pernambuco. It should be pointed out that questionnaires have been answered by defaulting borrowers of this company, located both in the capital and inland of the State of Pernambuco. Results achieved have shown that a small decrease in default was noted from the implementation of the Credit Risk System (Siric), from 2000; however, according to the current indexes and research results, efforts have to be intensified to make indexes fall into acceptable levels.KEYWORDS: Default; Dwelling; Credit risk. |
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DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK)Inadimplência no sistema financeiro de habitação: um estudo junto à Caixa Econômica Federal (CAIXA)Default is one of the main factors bringing great concern to companies today, regardless of their size or invoicing. More than selling, they are concerned about how and when they will receive to assure their own survival. This work has for objective to understand the degree of significance given by borrowers of Caixa Econômica Federal (Caixa) in respect of dwelling default in the State of Pernambuco. It should be pointed out that questionnaires have been answered by defaulting borrowers of this company, located both in the capital and inland of the State of Pernambuco. Results achieved have shown that a small decrease in default was noted from the implementation of the Credit Risk System (Siric), from 2000; however, according to the current indexes and research results, efforts have to be intensified to make indexes fall into acceptable levels.KEYWORDS: Default; Dwelling; Credit risk.A inadimplência, hoje, é um dos fatores que mais preocupam as empresas, independentemente do seu tamanho ou faturamento. Mais do que vender, elas devem se preocupar em como e quando receber para garantir a sua sobrevivência. Este trabalho tem como objetivo compreender o grau de importância dado pelos mutuários da Caixa Econômica Federal (Caixa) no que se refere à inadimplência habitacional no Estado de Pernambuco. É importante destacar que foram aplicados questionários a mutuários inadimplentes dessa empresa, localizados na capital e no interior do Estado de Pernambuco. Os resultados obtidos demonstraram que houve uma pequena queda na inadimplência após a implantação do Sistema de Risco de Crédito (Siric), a partir de 2000, mas que, de acordo com os índices atuais e com os resultados da pesquisa, os esforços precisam ser redobrados para que os índices caiam a níveis aceitáveis. PALAVRAS-CHAVE Inadimplência; Habitacional; Risco de crédito.Editora Mackenzie2008-08-01info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfapplication/pdfapplication/pdfhttps://editorarevistas.mackenzie.br/index.php/RAM/article/view/129Revista de Administração Mackenzie; Vol. 8 No. 2 (2007)Revista de Administração Mackenzie; Vol. 8 Núm. 2 (2007)Revista de Administração Mackenzie (Mackenzie Management Review); v. 8 n. 2 (2007)1678-69711518-6776reponame:RAM. Revista de Administração Mackenzieinstname:Universidade Presbiteriana Mackenzie (MACKENZIE)instacron:MACKENZIEporengspahttps://editorarevistas.mackenzie.br/index.php/RAM/article/view/129/129https://editorarevistas.mackenzie.br/index.php/RAM/article/view/129/1847https://editorarevistas.mackenzie.br/index.php/RAM/article/view/129/1848Copyright (c) 2015 Revista de Administração Mackenzieinfo:eu-repo/semantics/openAccessSehn, Carlos FernandoCarlini Junior, Reginaldo José2011-01-17T15:52:24Zoai:ojs.editorarevistas.mackenzie.br:article/129Revistahttps://editorarevistas.mackenzie.br/index.php/RAM/PUBhttps://editorarevistas.mackenzie.br/index.php/RAM/oairevista.adm@mackenzie.br1678-69711518-6776opendoar:2024-04-19T17:00:28.420757RAM. Revista de Administração Mackenzie - Universidade Presbiteriana Mackenzie (MACKENZIE)false |
dc.title.none.fl_str_mv |
DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK) Inadimplência no sistema financeiro de habitação: um estudo junto à Caixa Econômica Federal (CAIXA) |
title |
DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK) |
spellingShingle |
DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK) Sehn, Carlos Fernando |
title_short |
DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK) |
title_full |
DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK) |
title_fullStr |
DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK) |
title_full_unstemmed |
DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK) |
title_sort |
DEFAULT IN DWELLING FINANCIAL SYSTEM: A STUDY WITH CAIXA ECONÔMICA FEDERAL – CAIXA (FEDERAL SAVING BANK) |
author |
Sehn, Carlos Fernando |
author_facet |
Sehn, Carlos Fernando Carlini Junior, Reginaldo José |
author_role |
author |
author2 |
Carlini Junior, Reginaldo José |
author2_role |
author |
dc.contributor.author.fl_str_mv |
Sehn, Carlos Fernando Carlini Junior, Reginaldo José |
description |
Default is one of the main factors bringing great concern to companies today, regardless of their size or invoicing. More than selling, they are concerned about how and when they will receive to assure their own survival. This work has for objective to understand the degree of significance given by borrowers of Caixa Econômica Federal (Caixa) in respect of dwelling default in the State of Pernambuco. It should be pointed out that questionnaires have been answered by defaulting borrowers of this company, located both in the capital and inland of the State of Pernambuco. Results achieved have shown that a small decrease in default was noted from the implementation of the Credit Risk System (Siric), from 2000; however, according to the current indexes and research results, efforts have to be intensified to make indexes fall into acceptable levels.KEYWORDS: Default; Dwelling; Credit risk. |
publishDate |
2008 |
dc.date.none.fl_str_mv |
2008-08-01 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://editorarevistas.mackenzie.br/index.php/RAM/article/view/129 |
url |
https://editorarevistas.mackenzie.br/index.php/RAM/article/view/129 |
dc.language.iso.fl_str_mv |
por eng spa |
language |
por eng spa |
dc.relation.none.fl_str_mv |
https://editorarevistas.mackenzie.br/index.php/RAM/article/view/129/129 https://editorarevistas.mackenzie.br/index.php/RAM/article/view/129/1847 https://editorarevistas.mackenzie.br/index.php/RAM/article/view/129/1848 |
dc.rights.driver.fl_str_mv |
Copyright (c) 2015 Revista de Administração Mackenzie info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
Copyright (c) 2015 Revista de Administração Mackenzie |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf application/pdf application/pdf |
dc.publisher.none.fl_str_mv |
Editora Mackenzie |
publisher.none.fl_str_mv |
Editora Mackenzie |
dc.source.none.fl_str_mv |
Revista de Administração Mackenzie; Vol. 8 No. 2 (2007) Revista de Administração Mackenzie; Vol. 8 Núm. 2 (2007) Revista de Administração Mackenzie (Mackenzie Management Review); v. 8 n. 2 (2007) 1678-6971 1518-6776 reponame:RAM. Revista de Administração Mackenzie instname:Universidade Presbiteriana Mackenzie (MACKENZIE) instacron:MACKENZIE |
instname_str |
Universidade Presbiteriana Mackenzie (MACKENZIE) |
instacron_str |
MACKENZIE |
institution |
MACKENZIE |
reponame_str |
RAM. Revista de Administração Mackenzie |
collection |
RAM. Revista de Administração Mackenzie |
repository.name.fl_str_mv |
RAM. Revista de Administração Mackenzie - Universidade Presbiteriana Mackenzie (MACKENZIE) |
repository.mail.fl_str_mv |
revista.adm@mackenzie.br |
_version_ |
1796794716270886912 |