Crédito e endividamento das mulheres no Brasil: alguns aspectos
Data
2021-08-17
Autores
Gonçalves, Tula de Almeida [UNIFESP]
Orientadores
Tessari, Claudia Alessandra [UNIFESP]
Tipo
Trabalho de conclusão de curso de graduação
Título da Revista
ISSN da Revista
Título de Volume
Resumo
O processo de financeirização que atingiu o mundo e também o Brasil expandiu-se a ponto de atingir os créditos pessoais e tornar a sociedade cada vez mais endividada. Em países subdesenvolvidos, onde o padrão de consumo muitas vezes não corresponde ao padrão de acumulação, essa financeirização da vida cotidiana tem aspectos nefastos entre a população mais pobre que se vê altamente endividada para suprir suas necessidades de consumo. Diante
deste contexto, essa monografia aborda o crédito e o endividamento das mulheres no Brasil, visto que elas são maioria entre a população de baixa renda, maior tomadora de crédito. A pesquisa demonstrou que não há consenso na literatura sobre os fatores explicativos para as diferenças na propensão ao consumo e na propensão ao endividamento entre homens e mulheres, se bem que há discrepâncias entre as modalidades de crédito tomadas por homens e mulheres nas diferentes faixas salariais.
The financialization process that reached the world and also Brazil expanded to the point of reaching personal credit and making society increasingly indebted. In underdeveloped countries, where the consumption pattern often does not correspond to the accumulation pattern, this financialization of everyday life has disastrous aspects among the poorest population, which finds itself highly indebted to meet its consumption needs. In this context, this monograph addresses the credit and indebtedness of women in Brazil, as they are the majority among the low-income population, the largest borrower. The research showed that there is no consensus in the literature about the explanatory factors for the differences in the propensity to consume and in the propensity to indebtedness between men and women, although there are discrepancies between the types of credit taken by men and women in different salary ranges.
The financialization process that reached the world and also Brazil expanded to the point of reaching personal credit and making society increasingly indebted. In underdeveloped countries, where the consumption pattern often does not correspond to the accumulation pattern, this financialization of everyday life has disastrous aspects among the poorest population, which finds itself highly indebted to meet its consumption needs. In this context, this monograph addresses the credit and indebtedness of women in Brazil, as they are the majority among the low-income population, the largest borrower. The research showed that there is no consensus in the literature about the explanatory factors for the differences in the propensity to consume and in the propensity to indebtedness between men and women, although there are discrepancies between the types of credit taken by men and women in different salary ranges.