Análise do endividamento do consumidor juiz-forano

• Autor(a) principal: Carmo, Luiz Antônio Mattos do
• Data de Publicação: 2012
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: LOCUS Repositório Institucional da UFV
• Texto Completo: http://locus.ufv.br/handle/123456789/3383
• topic: Compras a crédito; Endividamento; Inadimplência; Purchases on credit; Debt; Bad debt; CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA DOMESTICA

Due to the macroeconomic stability achieved by Brazil in 1994, consumers faced an increase in market supply of goods and services, accompanied by the access to credit and sophistication of means of payment. However, one effect of this scenery was the escalation of personal debt, which can eventually lead households to financial distress. The gravity of this fact prompted this study on Juiz de Fora citizens state of indebtedness. Objectively, it was sought to know what kind of goods, services and household expenses consumers come into debt or overdue, which means of payment are commonly used to buy on credit, how much of the consumer s income is expended in such operations and which motives lead them to incur in debt. The studied consumers level of debt was higher than national and state averages. Regarding nonpayment, this reality is reversed. The main goods and services with which consumers come into debt are clothing, food and fuel, while the ones that suffer with delinquency are home repairs, appliances and electronics. Credit card was the most used mean to buy on credit. To 61.6% of the population, at most 30% of their income was tightened to debt payment, while to 13.7% this average goes beyond 70%. Household debt came from decreases in household income and from unsynchronized cash flows. In the other hand, goods and services debt came due to miscontrol. It was concluded that the high levels of debt have not yet become default, however the commitment of future income can change this panorama soon.