Relação da renda com o endividamento e a inadimplência de famílias residentes em Cuiabá/MT de 2018 a 2023

Abstract

This study had the general objective of verifying the relationship between income and debt and default of families residing in Cuiabá/MT in the last six years, as well as analyzing the evolution of data over the period. The study had a quantitative approach, exploratory nature, and was prepared through bibliographical research based on already published material. The data used were from the National Survey of Consumer Debt and Default (Peic), in Cuiabá/MT, from 2018 to 2023. In this research, important indicators of debt and default are determined, with the data provided in percentage points (%) . Furthermore, Peic is divided into: families with income up to 10 minimum wages (≤ 10 s.m.) and families with income above 10 minimum wages (> 10 s.m.). The working hypothesis would be that families with higher income would be those with less debt and less default, since they have more resources than those with lower income. After analyzing the data, it was observed that families with income greater than 10 minimum wages were the most indebted during the analyzed period, however, despite being more indebted, this group was the least defaulting. Regarding the evolution of data over the period, even though the lowest income group was the least indebted, it was noted that both groups ended the year 2023 more indebted than 2018. The present work is relevant, since the subject in question is a cultural problem in Brazil. It is suggested that a study be carried out in the coming years, post pandemic, to analyze how debt and default behaved in families with lower and higher incomes, trying to identify their reasons and causes, contributing to strategies to improve the financial health of families.