Análise do endividamento do consumidor juiz-forano

• Ano de defesa: 2012
• Autor(a) principal: Carmo, Luiz Antônio Mattos do
• Orientador(a): Silva, Neuza Maria da
• Banca de defesa: Silva, Maristela Siolari da
• Tipo de documento: Dissertação
• Tipo de acesso: Acesso aberto
• Idioma: por
• Instituição de defesa: Universidade Federal de Viçosa
• Programa de Pós-Graduação: Mestrado em Economia Doméstica
• Departamento: Economia familiar; Estudo da família; Teoria econômica e Educação do consumidor
• País: BR
• Palavras-chave em Português: Compras a crédito; Endividamento; Inadimplência
• Palavras-chave em Inglês: Purchases on credit; Debt; Bad debt
• Área do conhecimento CNPq: CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA DOMESTICA
• Link de acesso: http://locus.ufv.br/handle/123456789/3383

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.