O mercado de crédito para aposentados e pensionistas do INSS: uma análise dos impactos socioeconômicos do empréstimo creditício em Codó-MA

Abstract

This study aims to analyze the socioeconomic impacts resulting from the acquisition of credit granted by INSS retirees and pensioners in the municipality of Codó-MA. It begins by explaining the credit acquisition process in Brazil, explaining its expansion, the impact of access to credit on consumption capacity and the role of this benefit in the National Financial System. The profile of consigned credit borrowers in Brazil is presented, highlighting their main consumer groups and the preference for this type of credit by retirees and INSS pensioners. The socioeconomic impacts of granting payroll loans to INSS retirees and pensioners in Brazil are exposed. The methodology used had a qualiquantitative and exploratory research approach, using a questionnaire as a data collection tool, which was applied in person in the homes of retirees and pensioners taking out credit in the municipality of Codó-MA. The results obtained made it possible to identify important aspects of the credit market for INSS retirees and pensioners in the municipality of Maranhão, enabling the analysis and resolution of pertinent issues related to the topic. It is concluded that taking payroll loans generates positive and negative socioeconomic impacts for INSS retirees and pensioners in the municipality of Codó- MA, either by increasing purchasing power and access to basic goods and services to maintain life, or by future default, respectively.