Indicadores econômicos e sociais e o nível de endividamento dos brasileiros

Abstract

Considering the economical and sanitary instabilities, caused mostly about the Covid-19 pandemic, has the potential to affect the Brazilian’s people life, providing the growth of countries families’ indebtedness, so it is relevant to appreciate studies that identify the indebtedness factors. As we see, this search has the objective of verify how the economic and social indicators are associate with the level of the Brazilian families’ indebtedness. For this, a multiple regression was estimated to identify the association between the variables: “Selic”, credit concession, unemployment, default level, government emergencies benefit and the Brazilian families’ indebtedness level. The secondary data collection collected these variables, encompassing the calendar between January of 2012 and December of 2020. The founded results conclude that the indebtedness is associate with the default, the unemployment and the inflation, being a positive association with default, and negative with the other two variables.