Segundo a Fecomércio PE, mesmo com a sequência de três meses consecutivos de queda na taxa de endividamento em Pernambuco (caindo 0,24% em maio em comparação ao mês de abril), 81,5% das famílias do Estado seguem endividadas, patamar superior ao do Brasil (78,3%). Enquanto isso, os incapazes de pagar suas dívidas no próximo mês são 18,2% entre as famílias de até 10 salários mínimos. Os dados foram retirados da Pesquisa de Endividamento e Inadimplência do Consumidor (PEIC), realizada mensalmente pela CNC.
Em números absolutos, Pernambuco conta com 426.148 mil pessoas endividadas e outras, 170.561 mil (32,6%) com dívidas em atraso, os chamados inadimplentes. Segundo a PEIC, o principal tipo de endividamento é aquele contraído junto ao cartão de crédito (93,8% dos endividados).
A pesquisa ainda aponta que o número de endividados pode ser explicado pelo avanço do desemprego no Estado, comprometendo o fluxo de rendimentos familiares; já o de inadimplentes reflete o fato de que os consumidores desempregados buscam evitar contrair mais dívidas.
Segundo o recorte local realizado pela Fecomércio Pernambuco, da Pesquisa de Endividamento e Inadimplência do Consumidor (PEIC), elaborada pela CNC , no mês de maio, o número de endividados (consumidores que efetuaram compras a prazo e/ou adquirem empréstimo e/ou financiamentos) caiu 0,24% em Pernambuco, relativamente ao mês de abril. Com isso, 81,5% das famílias pernambucanas seguem endividadas (Gráfico 1), patamar próximo ao do Brasil (78,3%). Enquanto isso, os incapazes de pagar suas dívidas no próximo mês são 18,2% entre as famílias até 10 salários mínimos.
Gráfico 1: Porcentagem (%) de endividados em Pernambuco.
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)
Fonte: PEIC/CNC; elaboração: Fecomércio-PE.
Apesar da sequência de três meses consecutivos de queda no endividamento, ainda há 426.148 endividados no estado. Aqueles com dívidas em atraso já somam 32,6% dos entrevistados, o que representa um total de 170.561 inadimplentes. O número de endividados pode ser explicado pelo avanço do desemprego no estado, comprometendo o fluxo de rendimentos familiares; já o de inadimplentes reflete o fato de que os consumidores desempregados buscam evitar contrair mais dívidas.
Segundo a PEIC/CNC, o principal tipo de endividamento é aquele contraído junto ao cartão de crédito (93,8% dos endividados). A ampla aceitabilidade dos cartões de crédito institui uma tendência de maior uso entre os consumidores, notadamente para gastos de maior valor. O carnê foi o segundo tipo de dívida mais escolhida entre as duas faixas de renda. Isso ocorre porque os varejistas oferecem a facilidade desta modalidade de pagamento, o que atrai os consumidores que não desejam utilizar o cartão de crédito. Em alguns casos, essa modalidade pode oferecer juros zero, o que incentiva mais os clientes a efetuarem suas compras dessa forma.
Além disso, o financiamento de carros é o terceiro tipo de endividamento adotada pelas famílias de renda mais elevada. Com as medidas implementadas pelo Governo Federal para subsidiar carros até R$120 mil com descontos entre R$ 2 mil a R$ 8 mil, espera-se um aumento dessa prática nos próximos meses.
Tabela 1: Tipos de dívida em Pernambuco.
Tipo de dívida
|
Total
|
Até 10 s.m.
|
Mais de 10 s.m.
|
Cartão de Crédito
|
93,7%
|
93,3%
|
97,2%
|
Carnês
|
26,6%
|
27,1%
|
22,1%
|
Financiamento de carro
|
5,2%
|
4,0%
|
17,7%
|
Cheque especial
|
7,7%
|
8,2%
|
1,7%
|
Fonte: PEIC/CNC; elaboração: Fecomércio-PE
Já o tempo médio de atraso nos pagamentos das dívidas em Pernambuco é de 59 dias, enquanto no Brasil é de 63 dias. Cerca de 33% dos entrevistados relataram ter o tempo de comprometimento das dívidas entre 3 e 6 meses. É sabido que o pagamento de juros, mora e multa é inevitável em caso de atrasos. Quanto mais cedo a dívida for quitada, melhor para o orçamento familiar, pois sobra mais renda disponível a ser destinada para consumo e/ou poupança. Por isso, é importante reduzir ao máximo o tempo de atraso das dívidas, garantindo uma melhor saúde financeira dos domicílios.
Outro aspecto relevante, que dialoga com o problema da dívida, é o efeito da inflação. Os dados do Boletim Focus mostram que há uma expectativa de queda na inflação até o fim do ano, o que pode contribuir para o aumento do poder de compra dos consumidores.
O economista da Fecomércio, Rafael Lima, destaca: “Os dados sobre inflação do boletim Focus do Banco Central do último mês trazem otimismo principalmente para as famílias de renda mais baixa, que é o grupo mais lesado com a inflação. A redução da taxa de inflação pode corresponder a um aumento de renda disponível, que ajuda no consumo e a quitar dívidas. Em contraponto, o alto desemprego em Pernambuco reflete principalmente nas famílias que não terão condições de pagar as dívidas contraídas, sendo enquadrados como inadimplentes”.
Sobre a pesquisa:
A Pesquisa de Endividamento e Inadimplência do Consumidor (PEIC), elaborada pela Confederação Nacional do Comércio de Bens, Serviços e Turismo (CNC), foi publicada na quinta-feira (04/05). A pesquisa ganhou um recorte especial para o Estado de Pernambuco, feito pela Fecomércio-PE.
A PEIC considera que o endividamento das famílias se refere a contas ou despesas contraídas com cartão de crédito, cheques pré-datados, carnês de lojas, empréstimo pessoal, compra de imóveis, prestações de carros e seguros. Na pesquisa, as estimativas também diferenciam dois grupos de renda: famílias com renda de até 10 salários mínimos e famílias com renda superior a esse patamar. O objetivo da pesquisa é diagnosticar o nível de endividamento e inadimplência do consumidor. Também são apurados o percentual de inadimplentes, a intenção de pagar dívidas em atraso e o nível de comprometimento da renda.
A PEIC define, ainda, que a potencial inadimplência é a expectativa dos devedores de não pagarem suas dívidas no mês subsequente ao levantamento. Já o atraso no pagamento (inadimplência) é o ato de não cumprir efetivamente os compromissos assumidos com o endividamento.
A pesquisa permite o acompanhamento do nível de comprometimento do consumidor com dívidas e sua relação com a capacidade de pagamento, informações importantes para a tomada de decisão dos empresários do comércio. Quando a inadimplência ocorre, é comum observar uma desaceleração no consumo, o que afeta, principalmente, pequenas empresas do setor de comércio e serviços.