Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case
Autor(a) principal: | |
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Data de Publicação: | 2017 |
Outros Autores: | |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | Economic Analysis of law Review |
Texto Completo: | https://portalrevistas.ucb.br/index.php/EALR/article/view/7719 |
Resumo: | In Brazil, the expansion of access to credit by consumers has been an important factor that has given rise to new opportunities and new hardships, both for individuals and the macroeconomic scenario. With an increasing supply of credit by the Brazilian government to boost consumption, the proportion of the household income directed to the payment of debts became gradually higher, causing the indebtedness to become a more visible phenomenon. This paper aims to analyze which events imply higher or lower indebtedness of the Brazilian consumers in the prelude of the 2016 crisis. The results of our study show that when there is a birth or death of a family member, there is an increase in the probability of being indebted in six of nine proposed concepts of debt. Our results indicate that, even in the face of a crisis, the behavior of the consumers regarding the probability of being in debt does not change. |
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Economic Analysis of law Review |
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Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian CaseOverindebtedness Civil insolvency Empirical StudyIn Brazil, the expansion of access to credit by consumers has been an important factor that has given rise to new opportunities and new hardships, both for individuals and the macroeconomic scenario. With an increasing supply of credit by the Brazilian government to boost consumption, the proportion of the household income directed to the payment of debts became gradually higher, causing the indebtedness to become a more visible phenomenon. This paper aims to analyze which events imply higher or lower indebtedness of the Brazilian consumers in the prelude of the 2016 crisis. The results of our study show that when there is a birth or death of a family member, there is an increase in the probability of being indebted in six of nine proposed concepts of debt. Our results indicate that, even in the face of a crisis, the behavior of the consumers regarding the probability of being in debt does not change. Universidade Católica de Brasília2017-08-02info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionAvaliado por Pares; Peer ReviewedPesquisa Empíricaapplication/pdfhttps://portalrevistas.ucb.br/index.php/EALR/article/view/771910.31501/ealr.v8i1.7719Economic Analysis of Law Review; Vol. 8 No. 1 (2017): Economic Analysis of Law Review; 215-227Economic Analysis of Law Review ; Vol. 8 Núm. 1 (2017): Economic Analysis of Law Review; 215-227Economic Analysis of Law Review; v. 8 n. 1 (2017): Economic Analysis of Law Review; 215-2272178-0587reponame:Economic Analysis of law Reviewinstname:Universidade Católica de Brasília (UCB)instacron:UCBporhttps://portalrevistas.ucb.br/index.php/EALR/article/view/7719/5176Copyright (c) 2017 Economic Analysis of Law Reviewinfo:eu-repo/semantics/openAccessPorto, Antônio José MaristrelloNogueira, Rafaela2023-06-15T18:35:05Zoai:ojs.portalrevistas.ucb.br:article/7719Revistahttps://portalrevistas.ucb.br/index.php/ealrONGhttps://portalrevistas.ucb.br/index.php/EALR/oaieditor.ealr@gmail.com||sdi@ucb.br||benjaminm.tabak@gmail.com2178-05872178-0587opendoar:2023-06-15T18:35:05Economic Analysis of law Review - Universidade Católica de Brasília (UCB)false |
dc.title.none.fl_str_mv |
Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case |
title |
Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case |
spellingShingle |
Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case Porto, Antônio José Maristrello Overindebtedness Civil insolvency Empirical Study |
title_short |
Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case |
title_full |
Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case |
title_fullStr |
Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case |
title_full_unstemmed |
Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case |
title_sort |
Overindebtedness in the prelude of the crises of 2016: An Empirical Contribution to the Brazilian Case |
author |
Porto, Antônio José Maristrello |
author_facet |
Porto, Antônio José Maristrello Nogueira, Rafaela |
author_role |
author |
author2 |
Nogueira, Rafaela |
author2_role |
author |
dc.contributor.author.fl_str_mv |
Porto, Antônio José Maristrello Nogueira, Rafaela |
dc.subject.por.fl_str_mv |
Overindebtedness Civil insolvency Empirical Study |
topic |
Overindebtedness Civil insolvency Empirical Study |
description |
In Brazil, the expansion of access to credit by consumers has been an important factor that has given rise to new opportunities and new hardships, both for individuals and the macroeconomic scenario. With an increasing supply of credit by the Brazilian government to boost consumption, the proportion of the household income directed to the payment of debts became gradually higher, causing the indebtedness to become a more visible phenomenon. This paper aims to analyze which events imply higher or lower indebtedness of the Brazilian consumers in the prelude of the 2016 crisis. The results of our study show that when there is a birth or death of a family member, there is an increase in the probability of being indebted in six of nine proposed concepts of debt. Our results indicate that, even in the face of a crisis, the behavior of the consumers regarding the probability of being in debt does not change. |
publishDate |
2017 |
dc.date.none.fl_str_mv |
2017-08-02 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Avaliado por Pares; Peer Reviewed Pesquisa Empírica |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://portalrevistas.ucb.br/index.php/EALR/article/view/7719 10.31501/ealr.v8i1.7719 |
url |
https://portalrevistas.ucb.br/index.php/EALR/article/view/7719 |
identifier_str_mv |
10.31501/ealr.v8i1.7719 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://portalrevistas.ucb.br/index.php/EALR/article/view/7719/5176 |
dc.rights.driver.fl_str_mv |
Copyright (c) 2017 Economic Analysis of Law Review info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
Copyright (c) 2017 Economic Analysis of Law Review |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
Universidade Católica de Brasília |
publisher.none.fl_str_mv |
Universidade Católica de Brasília |
dc.source.none.fl_str_mv |
Economic Analysis of Law Review; Vol. 8 No. 1 (2017): Economic Analysis of Law Review; 215-227 Economic Analysis of Law Review ; Vol. 8 Núm. 1 (2017): Economic Analysis of Law Review; 215-227 Economic Analysis of Law Review; v. 8 n. 1 (2017): Economic Analysis of Law Review; 215-227 2178-0587 reponame:Economic Analysis of law Review instname:Universidade Católica de Brasília (UCB) instacron:UCB |
instname_str |
Universidade Católica de Brasília (UCB) |
instacron_str |
UCB |
institution |
UCB |
reponame_str |
Economic Analysis of law Review |
collection |
Economic Analysis of law Review |
repository.name.fl_str_mv |
Economic Analysis of law Review - Universidade Católica de Brasília (UCB) |
repository.mail.fl_str_mv |
editor.ealr@gmail.com||sdi@ucb.br||benjaminm.tabak@gmail.com |
_version_ |
1798675420577529856 |