Endividamento e inadimplência no Brasil : os efeitos da propensão ao risco e dos gastos com saúde

• Autor(a) principal: Pires, Vicente Chiaramonte
• Data de Publicação: 2014
• Tipo de documento: Tese
• Idioma: por
• Título da fonte: Repositório Institucional da Universidade Estadual de Maringá (RI-UEM)
• Texto Completo: http://repositorio.uem.br:8080/jspui/handle/1/3513
• topic: Economia; Endividamento; Famílias; Inadimplência; Posição ocupacional; Finanças das famílias; Brasil.; Economy; Debt; Families; Default; Occupational position; Household finances; Brazil.; Ciências Sociais Aplicadas; Economia

The present work aims at analyzing Brazilian families' household indebtedness problem, by developing an empirical model, which demonstrates the relationship between explanatory variables, related to different age groups of family's reference person, and different classes of ownership wealth (financial and non-financial assets). This work also presents an innovation about the evaluation of people's attitudes related to risk factor, while maintaining control over characteristics of these individuals, as well to analyze the role of families' health in this whole process. Another relevant component, in this search, is the wealth factor. The role of financial and non-financial assets sometimes played down the level of the households' indebtedness and some did not. The database from which the information was obtained based on Pesquisa de Orçamento Familiar 2008-2009 (POF) from Instituto Brasileiro de Geografia e Estatística (IBGE). In the same manner, it was investigated the total indebtedness and general default rate, according to the reference person's occupational activity who is responsible for unit of family consumption. It was used logit model, about latent variables approach, which operates dichotomous variables, basically, as a measurement issue, obtaining marginal effects from probabilities' estimation, which comes out with logit and probit models. The analysis process pointed that the propensity to risk increased families' household indebtedness problem about 1.42 p.p. if compared to those risk adverse ones. Regarding the health factor, it was observed that in presence of disease, the amount of family indebtedness increases to 3.22 p.p., indicating that, both, risk factors and level of quality health had significant impacts on families' indebtedness problem. However, it has been necessary to take into account the effect of Brazilian health public policies on families' indebtedness increasing, because if they do not have good enough public health assistance, indeed, they will increase their family health spending. Analyses also pointed to indebtedness' descending order, in 5.27 p.p., at 59 years of age compared to people at 29 years old. Professional occupations, which showed further variation of household debts, were all them for paid job employees. About families' indebtedness is more often found in families whose members are paid employees, domestic servants and autonomous. The study brought out that there is an excessive concentration of wealth, 25% of families' reference people, which infers greater commitment of poorest families' incomes, whilst the richest people do not exceed 50% of their own relationship between debts and assets.