Os/as consumidores/as e o superendividamento: um estudo sobre as estratégias do Núcleo de Apoio ao Superendividado (NAS) em Recife/PE

Abstract

Historically, the brazilian population has built an adverse relationship with the administration of personal finance. Long periods of economic crisis, low distribution of income and opportunities, delegated to families spending habits incompatible with the minimum income level of the country. The increased production of things, advance credit for your purchase and the creation of consumer culture, are some factors that support for the consolidation and the ebbing of a company "heavilyin debt". In contemporary times, the consumers even need to prove income to gain access to credit and thus acquire products and services, in addition, has operated as a means of signification and social inclusion. The facilitation of access to credit not brought with it financial education, which contributes to that families don't enjoy a improve quality of life, and thus trigger problems like: indebtedness, over-indebtedness, family conflicts, among others. Thus, this work was an experienced stage at the core of support for over-indebtedness and aims to analyze the main strategies for consumer education and consequences of over-indebtedness faced by the consumers who use the services. For this, a survey of exploratory and qualitative nature. As a conclusion that the problem of over-indebtedness is in addition to the lack of financial education and materializes from the precarious access to financial resources in addition to the incentives to an insatiable consumer culture that adds to property values, emotions, and sense of belonging.