Análise do endividamento do consumidor juiz-forano

Detalhes bibliográficos
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
Resumo: 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.
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spelling Carmo, Luiz Antônio Mattos dohttp://lattes.cnpq.br/4511814176570620Ferreira, Marco Aurélio Marqueshttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4760230Y0Silva, Neuza Maria dahttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4783876Z0Silva, Maristela Siolari dahttp://lattes.cnpq.br/32241896869910442015-03-26T13:19:55Z2013-06-032015-03-26T13:19:55Z2012-12-13CARMO, Luiz Antônio Mattos do. Juiz de Fora consumers indebtedness analysis. 2012. 83 f. Dissertação (Mestrado em Economia familiar; Estudo da família; Teoria econômica e Educação do consumidor) - Universidade Federal de Viçosa, Viçosa, 2012.http://locus.ufv.br/handle/123456789/3383Due 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.Com a estabilidade macroeconômica atingida pelo Brasil em 1994, os consumidores depararam-se com uma maior oferta de bens e serviços no mercado, assim como viram ampliar-se a facilidade pare realizar suas compras a crédito. Ofertas com pagamento a prazo com ou parcelamento estendido refletiram o maior acesso a bens e serviços e a sofisticação dos meios de pagamento. Contudo, um dos efeitos desse panorama foi a escalada do endividamento, que pode acabar levando indivíduos e famílias a situações de desequilíbrio financeiro. A gravidade deste fato motivou a realização deste estudo sobre o endividamento dos consumidores juiz-foranos. Especificamente, buscou-se saber com que tipo de bens e serviços tem se endividado o consumidor com renda própria, quais meios de pagamento são mais utilizados para a realização de compras a prazo, quanto de sua renda está sendo comprometida nessas operações e quais motivos o levam ao endividamento. Os principais bens e serviços com que se endividam os consumidores estudados estão nas categorias de vestuário, alimentação e combustível, enquanto os que estão relacionados à inadimplência são os reparos do lar, eletrodomésticos e eletroeletrônicos. O cartão de crédito mostrou-se como o principal meio de pagamento a crédito. O comprometimento futuro da renda dos entrevistados com essas compras não chega a 30% para 61,6% dos entrevistados, contudo, ultrapassa os 70% para 13,7% da população estudada. Com relação às despesas domésticas, os consumidores inadimplem por conta de redução da renda familiar ou de dessincronização entre a data de recebimento e a de pagamento das contas. Por sua vez, nas categorias de bens e serviços, os consumidores inadimplem mais por falta de controle do que por outros motivos. Concluiu-se que os altos níveis de endividamento entre os juiz-foranos ainda não se tornaram inadimplência, contudo o comprometimento futuro da renda pode alterar este cenário em breve.Coordenação de Aperfeiçoamento de Pessoal de Nível Superiorapplication/pdfporUniversidade Federal de ViçosaMestrado em Economia DomésticaUFVBREconomia familiar; Estudo da família; Teoria econômica e Educação do consumidorCompras a créditoEndividamentoInadimplênciaPurchases on creditDebtBad debtCNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA DOMESTICAAnálise do endividamento do consumidor juiz-foranoJuiz de Fora consumers indebtedness analysisinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:LOCUS Repositório Institucional da UFVinstname:Universidade Federal de Viçosa (UFV)instacron:UFVORIGINALtexto completo.pdfapplication/pdf780629https://locus.ufv.br//bitstream/123456789/3383/1/texto%20completo.pdf8129827441c52b87dbe4b55e00a30b5dMD51TEXTtexto completo.pdf.txttexto completo.pdf.txtExtracted texttext/plain142098https://locus.ufv.br//bitstream/123456789/3383/2/texto%20completo.pdf.txt79d2872b4b676adc415a73417c3649f4MD52THUMBNAILtexto completo.pdf.jpgtexto completo.pdf.jpgIM Thumbnailimage/jpeg3447https://locus.ufv.br//bitstream/123456789/3383/3/texto%20completo.pdf.jpg6b1f135721c368fa0c5bce2c9a7a77c5MD53123456789/33832016-04-08 23:21:13.833oai:locus.ufv.br:123456789/3383Repositório InstitucionalPUBhttps://www.locus.ufv.br/oai/requestfabiojreis@ufv.bropendoar:21452016-04-09T02:21:13LOCUS Repositório Institucional da UFV - Universidade Federal de Viçosa (UFV)false
dc.title.por.fl_str_mv Análise do endividamento do consumidor juiz-forano
dc.title.alternative.eng.fl_str_mv Juiz de Fora consumers indebtedness analysis
title Análise do endividamento do consumidor juiz-forano
spellingShingle Análise do endividamento do consumidor juiz-forano
Carmo, Luiz Antônio Mattos do
Compras a crédito
Endividamento
Inadimplência
Purchases on credit
Debt
Bad debt
CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA DOMESTICA
title_short Análise do endividamento do consumidor juiz-forano
title_full Análise do endividamento do consumidor juiz-forano
title_fullStr Análise do endividamento do consumidor juiz-forano
title_full_unstemmed Análise do endividamento do consumidor juiz-forano
title_sort Análise do endividamento do consumidor juiz-forano
author Carmo, Luiz Antônio Mattos do
author_facet Carmo, Luiz Antônio Mattos do
author_role author
dc.contributor.authorLattes.por.fl_str_mv http://lattes.cnpq.br/4511814176570620
dc.contributor.author.fl_str_mv Carmo, Luiz Antônio Mattos do
dc.contributor.advisor-co1.fl_str_mv Ferreira, Marco Aurélio Marques
dc.contributor.advisor-co1Lattes.fl_str_mv http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4760230Y0
dc.contributor.advisor1.fl_str_mv Silva, Neuza Maria da
dc.contributor.advisor1Lattes.fl_str_mv http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4783876Z0
dc.contributor.referee1.fl_str_mv Silva, Maristela Siolari da
dc.contributor.referee1Lattes.fl_str_mv http://lattes.cnpq.br/3224189686991044
contributor_str_mv Ferreira, Marco Aurélio Marques
Silva, Neuza Maria da
Silva, Maristela Siolari da
dc.subject.por.fl_str_mv Compras a crédito
Endividamento
Inadimplência
topic Compras a crédito
Endividamento
Inadimplência
Purchases on credit
Debt
Bad debt
CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA DOMESTICA
dc.subject.eng.fl_str_mv Purchases on credit
Debt
Bad debt
dc.subject.cnpq.fl_str_mv CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA DOMESTICA
description 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.
publishDate 2012
dc.date.issued.fl_str_mv 2012-12-13
dc.date.available.fl_str_mv 2013-06-03
2015-03-26T13:19:55Z
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dc.identifier.citation.fl_str_mv CARMO, Luiz Antônio Mattos do. Juiz de Fora consumers indebtedness analysis. 2012. 83 f. Dissertação (Mestrado em Economia familiar; Estudo da família; Teoria econômica e Educação do consumidor) - Universidade Federal de Viçosa, Viçosa, 2012.
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identifier_str_mv CARMO, Luiz Antônio Mattos do. Juiz de Fora consumers indebtedness analysis. 2012. 83 f. Dissertação (Mestrado em Economia familiar; Estudo da família; Teoria econômica e Educação do consumidor) - Universidade Federal de Viçosa, Viçosa, 2012.
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