Indicadores econômicos e sociais e o nível de endividamento dos brasileiros pós-pandemia

Abstract

In 2020, the world population faced a health crisis on a global scale related to nature and biological factors caused by the COVID-19 pandemic. As a result, the country's economic scenario changed drastically and, consequently, the rate of Brazilian families in debt increased. The present work aims to relate economic and social indicators with the level of debt of Brazilians through exploratory research. Spearman Correlation was used to test the relationship between the debt variables and each of the economic indicators. As main findings, it was found that the COVID-19 pandemic did not have a significant correlation with the level of debt of Brazilians, but rather, other factors other than the health crisis, such as the SELIC and the level of unemployment. Furthermore, it was observed that debt and default levels have remained high in recent years. In this context, this research makes it possible for the Brazilian population to become aware of the relevance of financial education and, consequently, reduce habits that generate unnecessary debt and the excessive use of credit cards so that it is possible to mitigate the economic and social impacts during and after future financial crises that may occur in the country.