Navegando por Assunto "Famílias - Aspectos econômicos"

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Crédito, endividamento e inadimplência das famílias pernambucanas: uma análise para o período de 2003 a 2020
(2021-07-23) Souza, Natália Carneiro de; Souto, Keynis Cândido de; http://lattes.cnpq.br/0393274407907348; http://lattes.cnpq.br/8495909846804585
This work aims to analyze the evolution of credit and its effects in relation to indebtedness, default, GDP and consumption of Pernambuco families in the period from 2003 to 2020. The literature shows that credit expansion, in addition to stimulating consumption and income positively, increases indebtedness and, in the long run, can lead to default when combined with an unfavorable economic situation. The period analyzed comprises a phase of economic growth with significant credit expansion and increased indebtedness (2003-2010) followed by a phase of moderate credit growth and political and economic crises, which ended up preventing the economy from maintaining a positive growth trajectory . In 2020, when the state economy was expected to return to a favorable situation and recover, the economy was surprised by the new coronavirus pandemic, which strongly affects Brazil and Pernambuco. Based on this context, a scientific, bibliographical and descriptive research was carried out, and, based on the analysis of secondary data, obtained indirectly, it can be concluded that: in the period from 2003 to 2010, there was a significant increase in credit for the Pernambuco families. This credit increase stimulated consumption and GDP, increased household indebtedness, but did not negatively impact the delinquency rate, which had a downward trajectory. In the second period, 2011 to 2020, credit expansion was smaller, but the level of indebtedness of families was high due to the previous phase. In the context of uncertainties generated by the economic crisis, political instability and pandemic crisis, credit was not enough to stimulate consumption, affecting the performance of the state's GDP, but these factors did not lead to an increase in default, which remained at rates lower than those observed in the previous period.
Crédito, endividamento e inadimplência no Brasil: uma análise para o período de 2013 a 2023
(2023-09-11) Lima, Renato Oliveira Lopes de; Gomes, Sónia Maria Fonseca Pereira Oliveira; http://lattes.cnpq.br/9795791528582607; http://lattes.cnpq.br/7185808287510736
This monograph aimed to analyze the evolution of credit, debt and default in Brazil between 2013 and 2023, and highlight the benefits of financial education. To achieve this objective, the methodology used was bibliographical research and secondary data obtained from the Consumer Debt and Default Survey (Peic). The literature review shows that there was an expansion of credit during this period, stimulating the consumption of Brazilian families. This increase in consumption resulted in excessive debt. The data showed that the level of family debt grew during this period, reaching a record percentage in 2022. The research also showed that the families most affected by default are those with lower incomes and those with a low educational level. Furthermore, data from the International Student Assessment Program (Pisa) showed that Brazil had the worst performance among the participating countries, in which 53% of Brazilian students were below the minimum level of financial knowledge. Financial education is the process of learning and developing skills to deal with money intelligently and responsibly and manage investments, loans and financing. Therefore, the lack of financial education in Brazil has a direct impact on the lack of control over the debts of Brazilian families. Therefore, financial education is an important tool for people to acquire financial skills and effectively manage their finances, resulting in a reduction in excessive debt and default.
Efeito da temperatura na qualidade de água e performance zootécnica do camarão Macrobrachium rosenbergii (De Man, 1879) durante a fase berçário em sistema de recirculação aquícola (SRA)
(2023-05-05) Lima, Aline Larissa da Silva; Santos, Loraine Meneses dos; http://lattes.cnpq.br/4166590770317390
A configuração da instituição família vem ao longo das décadas sofrendo mudanças que são ocasionadas pelas novas formas e possiblidades de se formar vínculos afetivos, mudanças estas que são compreendidas a partir das novas perspectivas sociais e culturais. Diante destas alterações e diversificação no âmbito familiar. Assim, o objetivo deste trabalho é: Identificar o padrão de consumo para cada tipo de arranjo familiar no Brasil utilizando os dados da Pesquisa de Orçamento Familiar (POF) de 2017-2018. Portanto, para atender ao objetivo proposto é pertinente compreender quanto as novas realidades econômicas desta instituição, uma vez que a figura feminina passa a estar mais presente no mercado de trabalho e, com isto, passa a contribuir com as despesas do lar, além de haver por vezes uma necessidade real de esta figura assumir tais despesas seja por ser mãe solo, viúva ou assumir outra configuração familiar que não a patriarcal. Justifica-se o tema pela observação de vários modelos e estruturas familiares, levantando-se a curiosidade quanto aos gastos em relação aos tipos de família serem redirecionados as realidades de cada. A metodologia empregada é a revisão bibliográfica em concordância com a análise da POF dos anos 2017-2018 e também 2008-2009 para comparação dos resultados que são apresentados através de tabelas, gráficos e quadros e analisados posteriormente, sendo nessa análise que há a possibilidade de compreender se além da possibilidade de novos tipos de família, há também novas prioridades quanto aos gastos na economia familiar. Os resultados obtidos no estudo aqui apresentado apontam mudanças nos gastos e prioridades econômicas desses novos modelos de família que variam quanto a suas estruturas, com ou sem crianças, formadas por mãe ou pai solo, bem como tantos outros modelos familiares existentes na atualidade.