{"id":12752,"date":"2024-11-06T10:05:13","date_gmt":"2024-11-06T13:05:13","guid":{"rendered":"https:\/\/sincomavi.org.br\/?p=12752"},"modified":"2024-11-06T10:05:15","modified_gmt":"2024-11-06T13:05:15","slug":"endividamento-cai-mas-inadimplencia-sobe-entre-os-mais-pobres","status":"publish","type":"post","link":"https:\/\/sincomavi.org.br\/?p=12752","title":{"rendered":"Endividamento cai, mas inadimpl\u00eancia sobe entre os mais pobres"},"content":{"rendered":"\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-default\"\/>\n\n\n<div class=\"wp-block-post-date\"><time datetime=\"2024-11-06T10:05:13-03:00\">6 de novembro de 2024<\/time><\/div>\n\n\n<p>Levantamento realizado pela Confedera\u00e7\u00e3o Nacional do Com\u00e9rcio de Bens, Servi\u00e7os e Turismo (CNC) mostra que, em outubro, a inadimpl\u00eancia entre as camadas mais pobres da popula\u00e7\u00e3o chegou a 37,7%. Esse aumento ocorreu apesar de uma redu\u00e7\u00e3o geral do endividamento, que recuou para 76,9% &#8211; n\u00edvel similar ao obtido no mesmo per\u00edodo do ano passado.<\/p>\n\n\n\n<p>Enquanto o percentual de fam\u00edlias com d\u00edvidas recuou, a inadimpl\u00eancia voltou a elevar, alcan\u00e7ando 29,3% em outubro, o que representa a maior taxa desde outubro de 2023. Outro dado importante levantado pelo estudo da CNC: 12,6% das fam\u00edlias confessaram n\u00e3o ter condi\u00e7\u00f5es de quitar seus d\u00e9bitos em atraso.<\/p>\n\n\n<style>.kb-image12752_936a85-01.kb-image-is-ratio-size, .kb-image12752_936a85-01 .kb-image-is-ratio-size{max-width:474px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image12752_936a85-01.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image12752_936a85-01 .kb-image-is-ratio-size{align-self:unset;}.kb-image12752_936a85-01 figure{max-width:474px;}.kb-image12752_936a85-01 .image-is-svg, .kb-image12752_936a85-01 .image-is-svg img{width:100%;}.kb-image12752_936a85-01 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image12752_936a85-01\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"973\" height=\"1024\" src=\"https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic-973x1024.jpg\" alt=\"\" class=\"kb-img wp-image-12753\" srcset=\"https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic-973x1024.jpg 973w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic-285x300.jpg 285w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic-768x808.jpg 768w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic-399x420.jpg 399w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic-640x674.jpg 640w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic-681x717.jpg 681w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic.jpg 1122w\" sizes=\"auto, (max-width: 973px) 100vw, 973px\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-right\"><strong>Fonte: CNC<\/strong><\/p>\n\n\n\n<p>Para Jos\u00e9 Roberto Tadros, presidente do Sistema CNC-Sesc-Senac, a depend\u00eancia de cr\u00e9dito em um cen\u00e1rio de juros elevados torna a quita\u00e7\u00e3o de d\u00edvidas um desafio ainda maior para as fam\u00edlias mais pobres. \u201cAcreditamos que, com medidas voltadas para a redu\u00e7\u00e3o de gastos p\u00fablicos, \u00e9 poss\u00edvel abrir espa\u00e7o para uma poss\u00edvel queda dos juros, o que traria um al\u00edvio significativo para os consumidores e para a economia como um todo\u201d, avalia.<\/p>\n\n\n\n<p>As fam\u00edlias com renda superior a 10 sal\u00e1rios m\u00ednimos conseguiram reduzir as d\u00edvidas para 67,1%, bem como possuem o menor \u00edndice de inadimpl\u00eancia (14,3%). J\u00e1 as faixas mais pobres da popula\u00e7\u00e3o contam com n\u00fameros piores: 80,8% de endividamento e 37,7% de inadimpl\u00eancia.&nbsp;<\/p>\n\n\n\n<p>As pend\u00eancias da popula\u00e7\u00e3o se concentram em cart\u00e3o de cr\u00e9dito (83,5%), carn\u00eas (16,3%) e cr\u00e9dito pessoal (12%). Essa \u00faltima modalidade de financiamento, como mostra o estudo, contou com um aumento expressivo anual.<\/p>\n\n\n<style>.kb-image12752_313c78-77.kb-image-is-ratio-size, .kb-image12752_313c78-77 .kb-image-is-ratio-size{max-width:489px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image12752_313c78-77.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image12752_313c78-77 .kb-image-is-ratio-size{align-self:unset;}.kb-image12752_313c78-77 figure{max-width:489px;}.kb-image12752_313c78-77 .image-is-svg, .kb-image12752_313c78-77 .image-is-svg img{width:100%;}.kb-image12752_313c78-77 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<div class=\"wp-block-kadence-image kb-image12752_313c78-77\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1004\" height=\"768\" src=\"https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1.jpg\" alt=\"\" class=\"kb-img wp-image-12754\" srcset=\"https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1.jpg 1004w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1-300x229.jpg 300w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1-768x587.jpg 768w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1-549x420.jpg 549w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1-80x60.jpg 80w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1-100x75.jpg 100w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1-640x490.jpg 640w, https:\/\/sincomavi.org.br\/wp-content\/uploads\/2024\/11\/peic1-681x521.jpg 681w\" sizes=\"auto, (max-width: 1004px) 100vw, 1004px\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-right\"><strong>Fonte: CNC<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-default\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Levantamento realizado pela Confedera\u00e7\u00e3o Nacional do Com\u00e9rcio de Bens, Servi\u00e7os e Turismo (CNC) mostra que, em outubro, a inadimpl\u00eancia entre as camadas mais pobres da popula\u00e7\u00e3o chegou a 37,7%. Esse aumento ocorreu apesar de uma redu\u00e7\u00e3o geral do endividamento, que recuou para 76,9% &#8211; n\u00edvel similar ao obtido no mesmo per\u00edodo do ano passado. Enquanto [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12756,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[153],"tags":[288,199,225,613,1027,156,632,410,620,1171,160,200,75],"class_list":["post-12752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-cnc","tag-comercio","tag-consumo","tag-debitos","tag-dividas","tag-economia","tag-estudo-setorial","tag-inadimplencia","tag-levantamento","tag-peic","tag-pesquisa","tag-varejo","tag-vendas"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=\/wp\/v2\/posts\/12752","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12752"}],"version-history":[{"count":1,"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=\/wp\/v2\/posts\/12752\/revisions"}],"predecessor-version":[{"id":12757,"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=\/wp\/v2\/posts\/12752\/revisions\/12757"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=\/wp\/v2\/media\/12756"}],"wp:attachment":[{"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12752"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12752"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sincomavi.org.br\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}