Análise da relação entre crédito consignado INSS e variáveis socioeconômicas

Abstract

This article aims to assess whether the pandemic changed the average amount and volume of personal credit, by type of benefits and clientele, between two periods (2018-2019; 2020-2021), as well as analyzing the relationship between these variables and Socioeconomic indicators: inflation, interest rate on payroll loans, unemployment rate, Gross Domestic Product (GDP), average Brazilian income and the existence of a pandemic. For this purpose, quantitative, descriptive and documentary research were used, using descriptive statistics, the test of means (Wilcoxon) and the use of correlation (Spearman; 5%). Results indicate that pension for death/urban had the highest average number of contracts, although retirement contribution time had the highest average contracted volume. There was a significant increase in the number of contracts (payroll loans and credit card) in the pandemic period, and for the contracted value of the card. For all types of benefits (2014-2021) there was an inverse and significant association between the number of credit cards and the indebtedness rate of Brazilian families; and between contracted card value and inflation and interest. Pension due to death/rural showed signs of a low level of literacy due to the evidence of an increase in the amount/value of the consigned as interest increases. The urban clientele became more indebted during the pandemic period, marked by the high unemployment rate. This study contributes to the literature by presenting results referring to the pandemic period, showing greater indebtedness than in relation to the 2014-2016 recession and the association with socioeconomic variables. This is a relevant topic, as it affects the beneficiary's quality of life.