Clipping of news on Brazilian Culture, Law and Citizenship
18/02/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The indicator of credit recovery - obtained from the amount of withdrawals from records of default - fell 1.8 % in the first month of the year in comparison with December 2013, according to Boa Vista Services . Nevertheless , the Risk Indicator of Consumer Credit ( IRC ) , which calculates the average risk of consumers who sought credit in the market in the last 12 months , revealed that there was a decrease of 1.7 % in the risk of these consumers become delinquent on the 4th quarter of 2013 , compared to the same period last year .
Some factors such as unemployment and increase the volume of credit in the market are mentioned as causes of superendividamento.Um recent study by the Central Bank ( BC ) revealed that the indebtedness has committed 44.82 % of the income of Brazilian families .
The economists Protection Service (SPC Brazil ) released an assessment with data obtained by crossing the SPC polls released throughout 2013 , all commissioned in order to understand the relationship of the Brazilian adult consumers with their own money . The main conclusion of the experts is that the bad debt situation in Brazil - contrary to what many think - is related to bad habits of financial planning , and not always to the poor. As indicated by the research , there is uncontrolled financial and delinquency even among families with high incomes .
Data from four studies indicate that people with delinquent accounts do not necessarily have lower incomes than those who pay on time commitments . A survey commissioned in August 2013 to profile the defaulting consumers in the country revealed that 16 % of the sample of people with accounts in arrears for more than 90 days belonged to classes D and E ( family income less than R $ 905 per month) . However , when evaluating the same concentration of lower income consumers ( classes D and E ) between sample defaulting , the percentage rose to 22 % .
A survey of GuiaBolso.com held in late 2013 , indicate who are indebted Brazil .
Source : Uol - Modern Consumer
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This article was translated by an automatic translation system, and was therefore not reviewed by people.