Default falls 13.16% in August
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Rio - National Protection Service (SPC) and the National Confederation of Shopkeepers (CNDL) fell 13.16% in August compared to July, and 1.38% compared to August last year. In the year the fall was 8.8%. The president of SPC Brazil, Roberto Alfeu, a sharp drop from July to August due to recovery in employment, increased wages of the worker, the impact of 13 pay and the refund of income tax for a considerable proportion of consumers.
According Alfeu, also influenced the outcome of the fall in the benchmark interest rate (Selic) and improvement in credit supply. Among borrowers enrolled in SPC, women appear to 55.54% and men 44.46% of the total. Until August, the queries SPC increased 2.88% in 2009 compared to the same period last year. When comparing August of this year with August 2008, the increase was 2.59%, due to the winter settlement, near the days of parents and the sales of school supplies for the second semester.
Alfeu believes the country's economic recovery begins to reflect the reduction of consumer debt. It highlights the reduction in the percentage of tax (IPI) adopted by the government to tackle the crisis and increasing the number of months in order to receive unemployment insurance measures are among the measures that increased money in circulation and favor the reduction of indebtedness public. For him, "everything would be better, however, if the government reduces public spending."
What held the Brazilian economy in the face of global crisis, as evaluated, was the fact that the country consumed 85% of its production, while exports only 15% of the total. In other countries, remember Alpheus, small and micro enterprises resigned rather, what did not happen in Brazil, where they employ up to 8 employees and handle the economy. Classes C and D, he still consume goods in the country, which should ensure success for the economy later this year, also will be running when the resources of the refund of income tax and the 13th salary.
The chairman of CDL, there are segments that have begun to expand its business in September, according to Christmas, and given its expertise, such as the area of cosmetics and toys. All this is a factor of heating. Roberto Alpheus said the villain of the default is still the credit card that puts consumers in a vicious circle when it uses multiple, and falls in the rotation, paying interest of more than 300% per year, entering a difficult path back.
He defends the provision of cards, which he claims in the past "not paid or CPMF and only helps to boost the financial system, without paying any great benefit to the public but to invalidate it in debt." The Service Credit Protection is connected to 700 thousand points of sale throughout the country. Companies generally notify a default by the client 30 days after the non-payment.
The information is the Agency Brazil
Source: The Day
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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