The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016
Autor(a) principal: | |
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Data de Publicação: | 2019 |
Outros Autores: | |
Tipo de documento: | Artigo |
Idioma: | eng |
Título da fonte: | Revista de Estudos Empíricos em Direito |
Texto Completo: | https://reedrevista.org/reed/article/view/266 |
Resumo: | Over-indebtedness is a phenomenon observed nowadays in both developed and developing countries, such as Brazil. In 2014, after analyzing data from a national survey, Sampaio and Porto presented some characteristics of the profile of over-indebted individuals in Brazil based upon self-declaration. Their analysis found that most overindebted individuals were women, with an average income of 1 to 2 minimum wages, aged between 25 and 44, and corresponding level of education to be complete high school. Data were also consistent with the international literature in the sense that isolated events such as unemployment, illness, marriage, birth of children and divorce, which often appear as being positively correlated with overindebtedness, were quoted in the survey, with emphasis in unemployment. This paper investigates the hypothesis that the profile of Brazilian over-indebted individuals may have changed due to the economic crisis. The alternative hypothesis is that the above characteristics have remained constant despite the deterioration of macroeconomic conditions. This analysis, if conclusive, may be relevant to the long-term planning of public policies to prevent and treat the phenomenon of overindebtedness. This work deepens the analysis of the over-indebted profile by testing the same hypothesis for the subgroup of individuals who claimed to be experiencing great difficulty in paying their debts (“heavy burden”), without, however, formally self-declaring to be overindebted |
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The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016regulationoverindebtednessempirical researchOver-indebtedness is a phenomenon observed nowadays in both developed and developing countries, such as Brazil. In 2014, after analyzing data from a national survey, Sampaio and Porto presented some characteristics of the profile of over-indebted individuals in Brazil based upon self-declaration. Their analysis found that most overindebted individuals were women, with an average income of 1 to 2 minimum wages, aged between 25 and 44, and corresponding level of education to be complete high school. Data were also consistent with the international literature in the sense that isolated events such as unemployment, illness, marriage, birth of children and divorce, which often appear as being positively correlated with overindebtedness, were quoted in the survey, with emphasis in unemployment. This paper investigates the hypothesis that the profile of Brazilian over-indebted individuals may have changed due to the economic crisis. The alternative hypothesis is that the above characteristics have remained constant despite the deterioration of macroeconomic conditions. This analysis, if conclusive, may be relevant to the long-term planning of public policies to prevent and treat the phenomenon of overindebtedness. This work deepens the analysis of the over-indebted profile by testing the same hypothesis for the subgroup of individuals who claimed to be experiencing great difficulty in paying their debts (“heavy burden”), without, however, formally self-declaring to be overindebtedRede de Estudos Empíricos em Direito2019-05-10info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionPesquisa Empírica Qualitativaapplication/pdfhttps://reedrevista.org/reed/article/view/26610.19092/reed.v6i1.266Brazilian Journal of Empirical Legal Studies; Vol. 6 No. 1 (2019): Brazilian Journal of Empirical Legal StudiesRevista de Estudos Empíricos em Direito; v. 6 n. 1 (2019): Revista de Estudos Empíricos em Direito2319-081710.19092/reed.v6i1reponame:Revista de Estudos Empíricos em Direitoinstname:Rede de Pesquisa Empírica em Direito (REED)instacron:RPEDenghttps://reedrevista.org/reed/article/view/266/pdfCarvalho, Rafaela NogueiraSampaio, Patrícia Reginainfo:eu-repo/semantics/openAccess2020-07-05T16:21:38Zoai:ojs.emnuvens.com.br:article/266Revistahttps://reedrevista.org/reedONGhttps://reedrevista.org/reed/oaimvchein@gmail.com||reed.revista@gmail.com2319-08172319-0817opendoar:2020-07-05T16:21:38Revista de Estudos Empíricos em Direito - Rede de Pesquisa Empírica em Direito (REED)false |
dc.title.none.fl_str_mv |
The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016 |
title |
The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016 |
spellingShingle |
The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016 Carvalho, Rafaela Nogueira regulation overindebtedness empirical research |
title_short |
The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016 |
title_full |
The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016 |
title_fullStr |
The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016 |
title_full_unstemmed |
The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016 |
title_sort |
The profile of the Brazilian over indebted consumer in the economic crisis worsening: A comparative analysis 2014-2016 |
author |
Carvalho, Rafaela Nogueira |
author_facet |
Carvalho, Rafaela Nogueira Sampaio, Patrícia Regina |
author_role |
author |
author2 |
Sampaio, Patrícia Regina |
author2_role |
author |
dc.contributor.author.fl_str_mv |
Carvalho, Rafaela Nogueira Sampaio, Patrícia Regina |
dc.subject.por.fl_str_mv |
regulation overindebtedness empirical research |
topic |
regulation overindebtedness empirical research |
description |
Over-indebtedness is a phenomenon observed nowadays in both developed and developing countries, such as Brazil. In 2014, after analyzing data from a national survey, Sampaio and Porto presented some characteristics of the profile of over-indebted individuals in Brazil based upon self-declaration. Their analysis found that most overindebted individuals were women, with an average income of 1 to 2 minimum wages, aged between 25 and 44, and corresponding level of education to be complete high school. Data were also consistent with the international literature in the sense that isolated events such as unemployment, illness, marriage, birth of children and divorce, which often appear as being positively correlated with overindebtedness, were quoted in the survey, with emphasis in unemployment. This paper investigates the hypothesis that the profile of Brazilian over-indebted individuals may have changed due to the economic crisis. The alternative hypothesis is that the above characteristics have remained constant despite the deterioration of macroeconomic conditions. This analysis, if conclusive, may be relevant to the long-term planning of public policies to prevent and treat the phenomenon of overindebtedness. This work deepens the analysis of the over-indebted profile by testing the same hypothesis for the subgroup of individuals who claimed to be experiencing great difficulty in paying their debts (“heavy burden”), without, however, formally self-declaring to be overindebted |
publishDate |
2019 |
dc.date.none.fl_str_mv |
2019-05-10 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Pesquisa Empírica Qualitativa |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://reedrevista.org/reed/article/view/266 10.19092/reed.v6i1.266 |
url |
https://reedrevista.org/reed/article/view/266 |
identifier_str_mv |
10.19092/reed.v6i1.266 |
dc.language.iso.fl_str_mv |
eng |
language |
eng |
dc.relation.none.fl_str_mv |
https://reedrevista.org/reed/article/view/266/pdf |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
Rede de Estudos Empíricos em Direito |
publisher.none.fl_str_mv |
Rede de Estudos Empíricos em Direito |
dc.source.none.fl_str_mv |
Brazilian Journal of Empirical Legal Studies; Vol. 6 No. 1 (2019): Brazilian Journal of Empirical Legal Studies Revista de Estudos Empíricos em Direito; v. 6 n. 1 (2019): Revista de Estudos Empíricos em Direito 2319-0817 10.19092/reed.v6i1 reponame:Revista de Estudos Empíricos em Direito instname:Rede de Pesquisa Empírica em Direito (REED) instacron:RPED |
instname_str |
Rede de Pesquisa Empírica em Direito (REED) |
instacron_str |
RPED |
institution |
RPED |
reponame_str |
Revista de Estudos Empíricos em Direito |
collection |
Revista de Estudos Empíricos em Direito |
repository.name.fl_str_mv |
Revista de Estudos Empíricos em Direito - Rede de Pesquisa Empírica em Direito (REED) |
repository.mail.fl_str_mv |
mvchein@gmail.com||reed.revista@gmail.com |
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1799138703483863040 |