Fostering the Financial Inclusion of FDPs and Migrants in Brazil
Profiles
Renan Chicarelli Marques (FGV)
July 10 2023
Profile 1: Highly educated on the formal job market
We chose to analyze four sub-groups within this profile to see if they differ in any aspect:
Profile 1.1: Men, High education, single, want to stay, formally employed
Profile 1.2: Women, High Education, Single, Want to stay in Brazil, Formally employed
Profile 1.3: Men, High Education, Married, Want to stay in Brazil, Formally employed
Profile 1.4: Women, High Education, Married, Want to stay in Brazil, Formally employed
Profile 1.1
Men, High Education, Single, Want to stay in Brazil, Formally employed
Most of them arrived in 2021
30.43% are household chiefs
65.22% are using digital or internet banking
78.26% plan to stay in the same city for the next 6 months
Age distribution:
Average: 31
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Between R$1.302,00 and R$2.604,00 | 20 | 0.87 |
| Less than R$1.302,00 | 2 | 0.09 |
| Prefer not answer | 1 | 0.04 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Undergraduate (complete) | 9 | 0.39 |
| Secondary (complete) | 8 | 0.35 |
| Undergraduate (incomplete) | 6 | 0.26 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| São Paulo | 14 | 0.61 |
| Amazonas | 2 | 0.09 |
| Santa Catarina | 2 | 0.09 |
| Distrito Federal | 1 | 0.04 |
| Pará | 1 | 0.04 |
| Rio Grande do Sul | 1 | 0.04 |
| Rio de Janeiro | 1 | 0.04 |
| Roraima | 1 | 0.04 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 18 | 0.78 |
| Haiti | 1 | 0.04 |
| Cuba | 1 | 0.04 |
| Angola | 1 | 0.04 |
| Iêmen | 1 | 0.04 |
| Peru | 1 | 0.04 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 19 | 0.83 |
| Debit card | 19 | 0.83 |
| Credit card | 11 | 0.48 |
| Digital account, wallet (on the phone) | 8 | 0.35 |
| Savings, deposit account | 5 | 0.22 |
| Investments | 2 | 0.09 |
| Transfers incl. remittances | 1 | 0.04 |
| Insurance | 0 | 0.00 |
| None of the above services listed | 0 | 0.00 |
| Other | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Itaú | 12 | 0.52 |
| Nubank | 12 | 0.52 |
| Banco Santander | 9 | 0.39 |
| Bradesco | 4 | 0.17 |
| Other | 4 | 0.17 |
| Banco do Brasil | 3 | 0.13 |
| Caixa Econômica Federal | 3 | 0.13 |
| Banco Inter | 2 | 0.09 |
| Sofisa | 1 | 0.04 |
| BMG | 0 | 0.00 |
| Banco da Amazônia | 0 | 0.00 |
| Banco PAN | 0 | 0.00 |
| None | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 1 | 7 | 0.30 |
| 3 | 5 | 0.22 |
| 4 | 4 | 0.17 |
| 0 | 3 | 0.13 |
| 2 | 3 | 0.13 |
| 6 | 1 | 0.04 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| Mercado Pago | 7 | 0.01 |
| Iti Itaú | 5 | 0.01 |
| None | 5 | 0.01 |
| Other | 3 | 0.01 |
| AME | 2 | 0.00 |
| PicPay | 1 | 0.00 |
| Bitz | 0 | 0.00 |
| PagBank | 0 | 0.00 |
| Regarga Pay | 0 | 0.00 |
17.39% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 4 | 0.03 |
| Housing | 0 | 0.00 |
| Vehicles | 0 | 0.00 |
| Corporate | 0 | 0.00 |
| Other | 0 | 0.00 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 18 | 0.78 |
| No | 5 | 0.22 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Business skills development | 13 | 0.57 |
| Languages skills development | 13 | 0.57 |
| Labor market skills development | 13 | 0.57 |
| Hiring process skills development | 13 | 0.57 |
| Personal finance skills development | 13 | 0.57 |
| Business regularization | 6 | 0.26 |
| None, I’m fine | 3 | 0.13 |
Profile 1.2
Women, High Education, Single, Want to stay in Brazil, Formally employed
Most of them arrived in 2018
55.56% are household chiefs
38.89% are using digital or internet banking
83.33% plan to stay in the same city for the next 6 months
Age distribution:
Average: 34.9
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Between R$1.302,00 and R$2.604,00 | 19 | 0.53 |
| Less than R$1.302,00 | 9 | 0.25 |
| Prefer not answer | 5 | 0.14 |
| Between R$2.604,01 and R$3.906,00 | 2 | 0.06 |
| NA | 1 | 0.03 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Undergraduate (complete) | 17 | 0.47 |
| Secondary (complete) | 13 | 0.36 |
| Undergraduate (incomplete) | 6 | 0.17 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| São Paulo | 21 | 0.58 |
| Rio Grande do Sul | 8 | 0.22 |
| Distrito Federal | 3 | 0.08 |
| Rio de Janeiro | 2 | 0.06 |
| Amazonas | 1 | 0.03 |
| Roraima | 1 | 0.03 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 33 | 0.92 |
| Bolivia | 2 | 0.06 |
| Peru | 1 | 0.03 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 26 | 0.72 |
| Debit card | 26 | 0.72 |
| Credit card | 14 | 0.39 |
| Digital account, wallet (on the phone) | 5 | 0.14 |
| Transfers incl. remittances | 4 | 0.11 |
| Savings, deposit account | 2 | 0.06 |
| Insurance | 1 | 0.03 |
| Investments | 0 | 0.00 |
| None of the above services listed | 0 | 0.00 |
| Other | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Nubank | 17 | 0.47 |
| Itaú | 12 | 0.33 |
| Banco Santander | 8 | 0.22 |
| Bradesco | 8 | 0.22 |
| Caixa Econômica Federal | 7 | 0.19 |
| Other | 5 | 0.14 |
| Banco PAN | 2 | 0.06 |
| Banco Inter | 1 | 0.03 |
| BMG | 0 | 0.00 |
| Banco da Amazônia | 0 | 0.00 |
| Banco do Brasil | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
| None | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 1 | 13 | 0.36 |
| 2 | 9 | 0.25 |
| 3 | 7 | 0.19 |
| 0 | 5 | 0.14 |
| 4 | 2 | 0.06 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| PicPay | 13 | 0.02 |
| None | 12 | 0.02 |
| Iti Itaú | 7 | 0.01 |
| Mercado Pago | 2 | 0.00 |
| PagBank | 1 | 0.00 |
| Regarga Pay | 1 | 0.00 |
| AME | 0 | 0.00 |
| Bitz | 0 | 0.00 |
| Other | 0 | 0.00 |
38.89% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 13 | 0.08 |
| Other | 1 | 0.01 |
| Housing | 0 | 0.00 |
| Vehicles | 0 | 0.00 |
| Corporate | 0 | 0.00 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 30 | 0.83 |
| No | 6 | 0.17 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Labor market skills development | 20 | 0.56 |
| Hiring process skills development | 18 | 0.50 |
| Business skills development | 17 | 0.47 |
| Languages skills development | 13 | 0.36 |
| Personal finance skills development | 12 | 0.33 |
| Business regularization | 5 | 0.14 |
| None, I’m fine | 2 | 0.06 |
Profile 1.3
Men, High Education, Married, Want to stay in Brazil, Formally employed
Most of them arrived in 2019
96.3% are household chiefs
66.67% are using digital or internet banking
77.78% plan to stay in the same city for the next 6 months
Age distribution:
Average: 41.6
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Between R$1.302,00 and R$2.604,00 | 12 | 0.44 |
| Less than R$1.302,00 | 5 | 0.19 |
| Prefer not answer | 4 | 0.15 |
| Between R$2.604,01 and R$3.906,00 | 3 | 0.11 |
| Between R$3.906,01 and R$6.510,00 | 2 | 0.07 |
| NA | 1 | 0.04 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Undergraduate (complete) | 16 | 0.59 |
| Secondary (complete) | 7 | 0.26 |
| NA/Other | 2 | 0.07 |
| Postgraduate (incomplete) | 1 | 0.04 |
| Undergraduate (incomplete) | 1 | 0.04 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| São Paulo | 16 | 0.59 |
| Santa Catarina | 3 | 0.11 |
| Rio de Janeiro | 2 | 0.07 |
| Amazonas | 1 | 0.04 |
| Distrito Federal | 1 | 0.04 |
| Mato Grosso do Sul | 1 | 0.04 |
| Other | 1 | 0.04 |
| Rio Grande do Sul | 1 | 0.04 |
| Roraima | 1 | 0.04 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 24 | 0.89 |
| Haiti | 1 | 0.04 |
| Syria | 1 | 0.04 |
| Congo | 1 | 0.04 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 22 | 0.81 |
| Debit card | 20 | 0.74 |
| Credit card | 15 | 0.56 |
| Digital account, wallet (on the phone) | 10 | 0.37 |
| Savings, deposit account | 7 | 0.26 |
| Transfers incl. remittances | 3 | 0.11 |
| Investments | 0 | 0.00 |
| Insurance | 0 | 0.00 |
| None of the above services listed | 0 | 0.00 |
| Other | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Nubank | 15 | 0.56 |
| Bradesco | 11 | 0.41 |
| Itaú | 11 | 0.41 |
| Banco Santander | 8 | 0.30 |
| Caixa Econômica Federal | 7 | 0.26 |
| Banco do Brasil | 3 | 0.11 |
| Banco PAN | 3 | 0.11 |
| Other | 2 | 0.07 |
| None | 1 | 0.04 |
| BMG | 0 | 0.00 |
| Banco da Amazônia | 0 | 0.00 |
| Banco Inter | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 2 | 11 | 0.41 |
| 1 | 4 | 0.15 |
| 3 | 4 | 0.15 |
| 0 | 3 | 0.11 |
| 4 | 3 | 0.11 |
| 5 | 2 | 0.07 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| None | 7 | 0.01 |
| Mercado Pago | 6 | 0.01 |
| PicPay | 4 | 0.01 |
| Iti Itaú | 3 | 0.01 |
| PagBank | 2 | 0.00 |
| Regarga Pay | 2 | 0.00 |
| Other | 1 | 0.00 |
| AME | 0 | 0.00 |
| Bitz | 0 | 0.00 |
44.44% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 10 | 0.06 |
| Housing | 2 | 0.01 |
| Corporate | 1 | 0.01 |
| Other | 1 | 0.01 |
| Vehicles | 0 | 0.00 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 21 | 0.78 |
| No | 6 | 0.22 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Labor market skills development | 14 | 0.52 |
| Hiring process skills development | 13 | 0.48 |
| Languages skills development | 11 | 0.41 |
| Personal finance skills development | 11 | 0.41 |
| Business skills development | 10 | 0.37 |
| Business regularization | 10 | 0.37 |
| None, I’m fine | 1 | 0.04 |
Profile 1.4
Women, High Education, Married, Want to stay in Brazil, Formally employed
Most of them arrived in 2019
23.08% are household chiefs
53.85% are using digital or internet banking
84.62% plan to stay in the same city for the next 6 months
Age distribution:
Average: 34.4
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Between R$1.302,00 and R$2.604,00 | 6 | 0.46 |
| Prefer not answer | 3 | 0.23 |
| Between R$2.604,01 and R$3.906,00 | 2 | 0.15 |
| Less than R$1.302,00 | 2 | 0.15 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Undergraduate (complete) | 8 | 0.62 |
| Undergraduate (incomplete) | 3 | 0.23 |
| Secondary (complete) | 2 | 0.15 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| São Paulo | 8 | 0.62 |
| Amazonas | 1 | 0.08 |
| Paraná | 1 | 0.08 |
| Rio Grande do Sul | 1 | 0.08 |
| Rio de Janeiro | 1 | 0.08 |
| Santa Catarina | 1 | 0.08 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 12 | 0.92 |
| Haiti | 1 | 0.08 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 13 | 1.00 |
| Debit card | 11 | 0.85 |
| Credit card | 9 | 0.69 |
| Digital account, wallet (on the phone) | 4 | 0.31 |
| Savings, deposit account | 2 | 0.15 |
| Transfers incl. remittances | 2 | 0.15 |
| Insurance | 1 | 0.08 |
| Investments | 0 | 0.00 |
| None of the above services listed | 0 | 0.00 |
| Other | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Nubank | 9 | 0.69 |
| Banco Santander | 6 | 0.46 |
| Caixa Econômica Federal | 4 | 0.31 |
| Other | 4 | 0.31 |
| Banco Inter | 2 | 0.15 |
| Itaú | 2 | 0.15 |
| Banco PAN | 1 | 0.08 |
| Bradesco | 1 | 0.08 |
| BMG | 0 | 0.00 |
| Banco da Amazônia | 0 | 0.00 |
| Banco do Brasil | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
| None | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 2 | 6 | 0.46 |
| 1 | 3 | 0.23 |
| 3 | 2 | 0.15 |
| 4 | 2 | 0.15 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| None | 10 | 0.02 |
| Mercado Pago | 2 | 0.00 |
| PicPay | 2 | 0.00 |
| Iti Itaú | 1 | 0.00 |
| AME | 0 | 0.00 |
| Bitz | 0 | 0.00 |
| PagBank | 0 | 0.00 |
| Regarga Pay | 0 | 0.00 |
| Other | 0 | 0.00 |
38.46% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 5 | 0.03 |
| Housing | 1 | 0.01 |
| Vehicles | 0 | 0.00 |
| Corporate | 0 | 0.00 |
| Other | 0 | 0.00 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 12 | 0.92 |
| No | 1 | 0.08 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Hiring process skills development | 10 | 0.77 |
| Labor market skills development | 7 | 0.54 |
| Languages skills development | 6 | 0.46 |
| Personal finance skills development | 6 | 0.46 |
| Business skills development | 5 | 0.38 |
| Business regularization | 2 | 0.15 |
| None, I’m fine | 0 | 0.00 |
Profile 2: On the move and on the informal job market
We chose to analyze two sub-groups within this profile to see if they differ in any aspect:
Profile 2.1: Living with their families in Brazil
Profile 2.2: Living without their families in Brazil
Profile 2.1
Men, moving inside Brazil, informally employed
Most of them arrived in 2018
Their marital status is Married
86.67% have the intention to stay in Brazil for the next 2 years
26.67% are using digital or internet banking
Age distribution:
Average: 40
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Prefer not answer | 12 | 0.80 |
| Between R$2.604,01 and R$3.906,00 | 2 | 0.13 |
| Less than R$1.302,00 | 1 | 0.07 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Undergraduate (complete) | 5 | 0.33 |
| Secondary (complete) | 3 | 0.20 |
| Secondary (incomplete) | 3 | 0.20 |
| Undergraduate (incomplete) | 3 | 0.20 |
| NA/Other | 1 | 0.07 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| Roraima | 6 | 0.40 |
| Amazonas | 3 | 0.20 |
| São Paulo | 3 | 0.20 |
| Distrito Federal | 1 | 0.07 |
| Rio de Janeiro | 1 | 0.07 |
| Santa Catarina | 1 | 0.07 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 13 | 0.87 |
| Angola | 1 | 0.07 |
| Senegal | 1 | 0.07 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 8 | 0.53 |
| Debit card | 8 | 0.53 |
| Savings, deposit account | 4 | 0.27 |
| Digital account, wallet (on the phone) | 4 | 0.27 |
| Credit card | 4 | 0.27 |
| Transfers incl. remittances | 1 | 0.07 |
| None of the above services listed | 1 | 0.07 |
| Investments | 0 | 0.00 |
| Insurance | 0 | 0.00 |
| Other | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Nubank | 5 | 0.33 |
| Banco do Brasil | 4 | 0.27 |
| Other | 4 | 0.27 |
| Banco Santander | 3 | 0.20 |
| Bradesco | 3 | 0.20 |
| Caixa Econômica Federal | 3 | 0.20 |
| Itaú | 3 | 0.20 |
| BMG | 1 | 0.07 |
| Banco Inter | 1 | 0.07 |
| Banco PAN | 1 | 0.07 |
| Banco da Amazônia | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
| None | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 1 | 4 | 0.27 |
| 0 | 3 | 0.20 |
| 2 | 3 | 0.20 |
| 3 | 3 | 0.20 |
| 4 | 1 | 0.07 |
| 5 | 1 | 0.07 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| PicPay | 5 | 0.01 |
| Iti Itaú | 3 | 0.01 |
| Mercado Pago | 3 | 0.01 |
| None | 2 | 0.00 |
| AME | 0 | 0.00 |
| Bitz | 0 | 0.00 |
| PagBank | 0 | 0.00 |
| Regarga Pay | 0 | 0.00 |
| Other | 0 | 0.00 |
40% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 6 | 0.04 |
| Corporate | 1 | 0.01 |
| Housing | 0 | 0.00 |
| Vehicles | 0 | 0.00 |
| Other | 0 | 0.00 |
- When you need financing or money, where do go to?
| prod_got | answers | percentage |
|---|---|---|
| Bank | 7 | 0.01 |
| I do not lend money | 5 | 0.01 |
| Family or friends | 4 | 0.00 |
| Business owner | 1 | 0.00 |
| Financial institution | 1 | 0.00 |
| Pawnbroker | 0 | 0.00 |
| Other | 0 | 0.00 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 13 | 0.87 |
| No | 2 | 0.13 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Labor market skills development | 9 | 0.60 |
| Hiring process skills development | 9 | 0.60 |
| Personal finance skills development | 8 | 0.53 |
| Languages skills development | 5 | 0.33 |
| Business skills development | 3 | 0.20 |
| Business regularization | 1 | 0.07 |
| None, I’m fine | 1 | 0.07 |
Profile 2.2
Men, moving inside Brazil, informally employed
Most of them arrived in 2022
Their marital status is Single
77.78% have the intention to stay in Brazil for the next 2 years
66.67% are using digital or internet banking
Age distribution:
Average: 32.2
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Prefer not answer | 9 | 1 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Undergraduate (incomplete) | 3 | 0.33 |
| Secondary (complete) | 2 | 0.22 |
| Undergraduate (complete) | 2 | 0.22 |
| Primary (complete) | 1 | 0.11 |
| Secondary (incomplete) | 1 | 0.11 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| Roraima | 4 | 0.44 |
| Amazonas | 2 | 0.22 |
| São Paulo | 2 | 0.22 |
| Rio de Janeiro | 1 | 0.11 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 8 | 0.89 |
| Syria | 1 | 0.11 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 3 | 0.33 |
| Debit card | 3 | 0.33 |
| Credit card | 2 | 0.22 |
| Savings, deposit account | 1 | 0.11 |
| Digital account, wallet (on the phone) | 1 | 0.11 |
| Investments | 0 | 0.00 |
| Insurance | 0 | 0.00 |
| Transfers incl. remittances | 0 | 0.00 |
| None of the above services listed | 0 | 0.00 |
| Other | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Nubank | 3 | 0.33 |
| Itaú | 2 | 0.22 |
| BMG | 0 | 0.00 |
| Banco da Amazônia | 0 | 0.00 |
| Banco do Brasil | 0 | 0.00 |
| Banco Inter | 0 | 0.00 |
| Banco PAN | 0 | 0.00 |
| Banco Santander | 0 | 0.00 |
| Bradesco | 0 | 0.00 |
| Caixa Econômica Federal | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
| None | 0 | 0.00 |
| Other | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 0 | 5 | 0.56 |
| 1 | 3 | 0.33 |
| 2 | 1 | 0.11 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| Mercado Pago | 2 | 0 |
| AME | 1 | 0 |
| Iti Itaú | 1 | 0 |
| None | 1 | 0 |
| Bitz | 0 | 0 |
| PagBank | 0 | 0 |
| PicPay | 0 | 0 |
| Regarga Pay | 0 | 0 |
| Other | 0 | 0 |
11.11% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 1 | 0.01 |
| Housing | 0 | 0.00 |
| Vehicles | 0 | 0.00 |
| Corporate | 0 | 0.00 |
| Other | 0 | 0.00 |
- When you need financing or money, where do go to?
| prod_got | answers | percentage |
|---|---|---|
| Bank | 4 | 0 |
| Family or friends | 3 | 0 |
| I do not lend money | 3 | 0 |
| Pawnbroker | 1 | 0 |
| Business owner | 0 | 0 |
| Financial institution | 0 | 0 |
| Other | 0 | 0 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 7 | 0.78 |
| No | 2 | 0.22 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Labor market skills development | 8 | 0.89 |
| Hiring process skills development | 5 | 0.56 |
| Business skills development | 3 | 0.33 |
| Languages skills development | 3 | 0.33 |
| Personal finance skills development | 2 | 0.22 |
| Business regularization | 2 | 0.22 |
| None, I’m fine | 0 | 0.00 |
Profile 3: Domestic worker and household head
Women, domestic workers, household head
Most of them arrived in 2019
Their marital status is Single
100% live with their families/children
For those living with their families, they have on average 4.1 members living in the household.
92.19% have the intention to stay in Brazil for the next 2 years
39.06% are using digital or internet banking
Age distribution:
Average: 35.9
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Prefer not answer | 48 | 0.75 |
| Less than R$1.302,00 | 9 | 0.14 |
| NA | 5 | 0.08 |
| Between R$1.302,00 and R$2.604,00 | 2 | 0.03 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Secondary (complete) | 16 | 0.25 |
| Undergraduate (complete) | 15 | 0.23 |
| Undergraduate (incomplete) | 12 | 0.19 |
| Secondary (incomplete) | 8 | 0.12 |
| Primary (incomplete) | 6 | 0.09 |
| Postgraduate (incomplete) | 3 | 0.05 |
| Postgraduate (complete) | 2 | 0.03 |
| NA/Other | 1 | 0.02 |
| Primary (complete) | 1 | 0.02 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| Amazonas | 19 | 0.30 |
| São Paulo | 16 | 0.25 |
| Roraima | 15 | 0.23 |
| Rio Grande do Sul | 8 | 0.12 |
| Distrito Federal | 1 | 0.02 |
| Mato Grosso | 1 | 0.02 |
| Other | 1 | 0.02 |
| Paraná | 1 | 0.02 |
| Rio de Janeiro | 1 | 0.02 |
| Santa Catarina | 1 | 0.02 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 60 | 0.94 |
| Bolivia | 3 | 0.05 |
| Anzoátegui | 1 | 0.02 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 26 | 0.41 |
| Debit card | 22 | 0.34 |
| Digital account, wallet (on the phone) | 8 | 0.12 |
| Savings, deposit account | 7 | 0.11 |
| Credit card | 5 | 0.08 |
| None of the above services listed | 1 | 0.02 |
| Other | 1 | 0.02 |
| Investments | 0 | 0.00 |
| Insurance | 0 | 0.00 |
| Transfers incl. remittances | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Nubank | 18 | 0.28 |
| Itaú | 15 | 0.23 |
| Caixa Econômica Federal | 7 | 0.11 |
| Banco Santander | 6 | 0.09 |
| Other | 4 | 0.06 |
| Bradesco | 2 | 0.03 |
| Banco do Brasil | 1 | 0.02 |
| None | 1 | 0.02 |
| BMG | 0 | 0.00 |
| Banco da Amazônia | 0 | 0.00 |
| Banco Inter | 0 | 0.00 |
| Banco PAN | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 0 | 26 | 0.41 |
| 1 | 26 | 0.41 |
| 2 | 10 | 0.16 |
| 3 | 1 | 0.02 |
| 4 | 1 | 0.02 |
7.81% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 3 | 0.02 |
| Corporate | 1 | 0.01 |
| Other | 1 | 0.01 |
| Housing | 0 | 0.00 |
| Vehicles | 0 | 0.00 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 38 | 0.59 |
| No | 26 | 0.41 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Hiring process skills development | 34 | 0.53 |
| Labor market skills development | 21 | 0.33 |
| Languages skills development | 19 | 0.30 |
| Business skills development | 13 | 0.20 |
| Personal finance skills development | 8 | 0.12 |
| Business regularization | 7 | 0.11 |
| None, I’m fine | 4 | 0.06 |
Profile 4: Micro entrepreneurs
We chose to analyze two sub-groups within this profile to see if they differ in any aspect:
Profile 4.1: Formal (with CNPJ)
Profile 4.2: Informal (without CNPJ)
Profile 4.1
Formal micro entrepreneurs
Most of them arrived in 2012 or before
Their marital status is Married
53.85% live with their families/children
92.31% have the intention to stay in Brazil for the next 2 years
30.77% are using digital or internet banking
Sex distribution:
| sex | answers | percentage |
|---|---|---|
| Male | 8 | 0.62 |
| Female | 5 | 0.38 |
- Age distribution:
Average: 43.5
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Between R$2.604,01 and R$3.906,00 | 4 | 0.31 |
| Prefer not answer | 3 | 0.23 |
| Between R$3.906,01 and R$6.510,00 | 2 | 0.15 |
| Between R$1.302,00 and R$2.604,00 | 1 | 0.08 |
| Between R$6.510,01 and R$13.020,00 | 1 | 0.08 |
| Less than R$1.302,00 | 1 | 0.08 |
| NA | 1 | 0.08 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Undergraduate (complete) | 6 | 0.46 |
| Undergraduate (incomplete) | 5 | 0.38 |
| Postgraduate (complete) | 1 | 0.08 |
| Secondary (incomplete) | 1 | 0.08 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| São Paulo | 11 | 0.85 |
| Rio de Janeiro | 1 | 0.08 |
| Roraima | 1 | 0.08 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Bolivia | 5 | 0.38 |
| Venezuela | 2 | 0.15 |
| Peruano | 2 | 0.15 |
| Haiti | 1 | 0.08 |
| Cuba | 1 | 0.08 |
| Colombia | 1 | 0.08 |
| Peru | 1 | 0.08 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 13 | 1.00 |
| Debit card | 12 | 0.92 |
| Credit card | 8 | 0.62 |
| Savings, deposit account | 6 | 0.46 |
| Digital account, wallet (on the phone) | 6 | 0.46 |
| Transfers incl. remittances | 6 | 0.46 |
| Insurance | 4 | 0.31 |
| Investments | 2 | 0.15 |
| Other | 1 | 0.08 |
| None of the above services listed | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Itaú | 8 | 0.62 |
| Banco Santander | 4 | 0.31 |
| Other | 4 | 0.31 |
| Nubank | 3 | 0.23 |
| Banco do Brasil | 2 | 0.15 |
| Bradesco | 2 | 0.15 |
| Caixa Econômica Federal | 2 | 0.15 |
| Banco Inter | 1 | 0.08 |
| BMG | 0 | 0.00 |
| Banco da Amazônia | 0 | 0.00 |
| Banco PAN | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
| None | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 1 | 6 | 0.46 |
| 2 | 4 | 0.31 |
| 3 | 1 | 0.08 |
| 4 | 1 | 0.08 |
| 5 | 1 | 0.08 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| Mercado Pago | 9 | 0.02 |
| PagBank | 6 | 0.01 |
| PicPay | 6 | 0.01 |
| Iti Itaú | 3 | 0.01 |
| Regarga Pay | 3 | 0.01 |
| None | 2 | 0.00 |
| AME | 0 | 0.00 |
| Bitz | 0 | 0.00 |
| Other | 0 | 0.00 |
69.23% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 7 | 0.05 |
| Housing | 1 | 0.01 |
| Vehicles | 1 | 0.01 |
| Corporate | 1 | 0.01 |
| Other | 1 | 0.01 |
- When you need financing or money, where do go to?
| prod_got | answers | percentage |
|---|---|---|
| Bank | 8 | 0.01 |
| Family or friends | 6 | 0.01 |
| I do not lend money | 5 | 0.01 |
| Business owner | 1 | 0.00 |
| Other | 1 | 0.00 |
| Pawnbroker | 0 | 0.00 |
| Financial institution | 0 | 0.00 |
- Do you have employees?
| employees | answers | percentage |
|---|---|---|
| None | 9 | 0.10 |
| 1-2 employees | 3 | 0.03 |
| 6-10 employees | 1 | 0.01 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 7 | 0.54 |
| No | 6 | 0.46 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Business skills development | 10 | 0.77 |
| Labor market skills development | 7 | 0.54 |
| Personal finance skills development | 7 | 0.54 |
| Languages skills development | 3 | 0.23 |
| Business regularization | 3 | 0.23 |
| None, I’m fine | 2 | 0.15 |
| Hiring process skills development | 1 | 0.08 |
Profile 4.2
Informal micro entrepreneurs
Most of them arrived in 2019
Their marital status is Single
70.97% live with their families/children
87.1% have the intention to stay in Brazil for the next 2 years
16.13% are using digital or internet banking
Sex distribution:
| sex | answers | percentage |
|---|---|---|
| Female | 24 | 0.77 |
| Male | 7 | 0.23 |
- Age distribution:
Average: 37
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Prefer not answer | 24 | 0.77 |
| Between R$1.302,00 and R$2.604,00 | 3 | 0.10 |
| Less than R$1.302,00 | 3 | 0.10 |
| NA | 1 | 0.03 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Secondary (complete) | 10 | 0.32 |
| Undergraduate (complete) | 7 | 0.23 |
| Primary (complete) | 6 | 0.19 |
| Undergraduate (incomplete) | 3 | 0.10 |
| NA/Other | 2 | 0.06 |
| Secondary (incomplete) | 2 | 0.06 |
| Primary (incomplete) | 1 | 0.03 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| São Paulo | 16 | 0.52 |
| Roraima | 7 | 0.23 |
| Amazonas | 4 | 0.13 |
| Rio Grande do Sul | 2 | 0.06 |
| Distrito Federal | 1 | 0.03 |
| Mato Grosso | 1 | 0.03 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 18 | 0.58 |
| Bolivia | 11 | 0.35 |
| Equador | 1 | 0.03 |
| Paraguai | 1 | 0.03 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 8 | 0.26 |
| Debit card | 8 | 0.26 |
| Savings, deposit account | 5 | 0.16 |
| Digital account, wallet (on the phone) | 5 | 0.16 |
| Credit card | 1 | 0.03 |
| Transfers incl. remittances | 1 | 0.03 |
| Other | 1 | 0.03 |
| Investments | 0 | 0.00 |
| Insurance | 0 | 0.00 |
| None of the above services listed | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Itaú | 7 | 0.23 |
| Caixa Econômica Federal | 6 | 0.19 |
| Other | 6 | 0.19 |
| Bradesco | 3 | 0.10 |
| Banco Santander | 2 | 0.06 |
| Nubank | 2 | 0.06 |
| Banco PAN | 1 | 0.03 |
| BMG | 0 | 0.00 |
| Banco da Amazônia | 0 | 0.00 |
| Banco do Brasil | 0 | 0.00 |
| Banco Inter | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
| None | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 0 | 16 | 0.52 |
| 1 | 7 | 0.23 |
| 2 | 6 | 0.19 |
| 4 | 2 | 0.06 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| Iti Itaú | 6 | 0.01 |
| PicPay | 4 | 0.01 |
| PagBank | 3 | 0.01 |
| Mercado Pago | 2 | 0.00 |
| None | 2 | 0.00 |
| Other | 2 | 0.00 |
| AME | 0 | 0.00 |
| Bitz | 0 | 0.00 |
| Regarga Pay | 0 | 0.00 |
9.68% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 2 | 0.01 |
| Other | 2 | 0.01 |
| Housing | 0 | 0.00 |
| Vehicles | 0 | 0.00 |
| Corporate | 0 | 0.00 |
- When you need financing or money, where do go to?
| prod_got | answers | percentage |
|---|---|---|
| Family or friends | 15 | 0.02 |
| I do not lend money | 13 | 0.01 |
| Bank | 6 | 0.01 |
| Pawnbroker | 2 | 0.00 |
| Other | 1 | 0.00 |
| Business owner | 0 | 0.00 |
| Financial institution | 0 | 0.00 |
- Do you have employees?
| employees | answers | percentage |
|---|---|---|
| None | 3 | 0.03 |
| 1-2 employees | 3 | 0.03 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 16 | 0.52 |
| No | 15 | 0.48 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Languages skills development | 12 | 0.39 |
| Labor market skills development | 11 | 0.35 |
| Business skills development | 10 | 0.32 |
| Personal finance skills development | 8 | 0.26 |
| Hiring process skills development | 7 | 0.23 |
| Business regularization | 7 | 0.23 |
| None, I’m fine | 2 | 0.06 |
Profile 5: Self-employed
Most of them arrived in 2018
Their marital status is Single
65.12% live with their families/children
81.4% have the intention to stay in Brazil for the next 2 years
55.81% are using digital or internet banking
Sex distribution:
| sex | answers | percentage |
|---|---|---|
| Female | 26 | 0.6 |
| Male | 17 | 0.4 |
- Age distribution:
Average: 39
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Prefer not answer | 22 | 0.51 |
| Between R$1.302,00 and R$2.604,00 | 6 | 0.14 |
| Between R$2.604,01 and R$3.906,00 | 4 | 0.09 |
| Less than R$1.302,00 | 4 | 0.09 |
| NA | 4 | 0.09 |
| Between R$3.906,01 and R$6.510,00 | 3 | 0.07 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Secondary (complete) | 14 | 0.33 |
| Undergraduate (complete) | 11 | 0.26 |
| Undergraduate (incomplete) | 7 | 0.16 |
| Secondary (incomplete) | 4 | 0.09 |
| Primary (incomplete) | 3 | 0.07 |
| Primary (complete) | 2 | 0.05 |
| Postgraduate (complete) | 1 | 0.02 |
| Postgraduate (incomplete) | 1 | 0.02 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| São Paulo | 14 | 0.33 |
| Amazonas | 11 | 0.26 |
| Roraima | 10 | 0.23 |
| Distrito Federal | 3 | 0.07 |
| Other | 2 | 0.05 |
| Paraná | 2 | 0.05 |
| Rio de Janeiro | 1 | 0.02 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 31 | 0.72 |
| Bolivia | 8 | 0.19 |
| Chile | 1 | 0.02 |
| Congo | 1 | 0.02 |
| Paquistão | 1 | 0.02 |
| TUNISIA | 1 | 0.02 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 21 | 0.49 |
| Debit card | 18 | 0.42 |
| Credit card | 13 | 0.30 |
| Digital account, wallet (on the phone) | 8 | 0.19 |
| Savings, deposit account | 5 | 0.12 |
| Investments | 3 | 0.07 |
| Transfers incl. remittances | 2 | 0.05 |
| Other | 1 | 0.02 |
| Insurance | 0 | 0.00 |
| None of the above services listed | 0 | 0.00 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Nubank | 14 | 0.33 |
| Caixa Econômica Federal | 12 | 0.28 |
| Itaú | 10 | 0.23 |
| Banco Santander | 7 | 0.16 |
| Bradesco | 6 | 0.14 |
| Other | 6 | 0.14 |
| Banco do Brasil | 3 | 0.07 |
| Banco Inter | 2 | 0.05 |
| Banco da Amazônia | 1 | 0.02 |
| BMG | 0 | 0.00 |
| Banco PAN | 0 | 0.00 |
| Sofisa | 0 | 0.00 |
| None | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 0 | 17 | 0.40 |
| 1 | 9 | 0.21 |
| 3 | 8 | 0.19 |
| 2 | 6 | 0.14 |
| 4 | 2 | 0.05 |
| 8 | 1 | 0.02 |
27.91% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 9 | 0.06 |
| Other | 2 | 0.01 |
| Corporate | 1 | 0.01 |
| Housing | 0 | 0.00 |
| Vehicles | 0 | 0.00 |
- When you need financing or money, where do go to?
| prod_got | answers | percentage |
|---|---|---|
| Bank | 17 | 0.02 |
| I do not lend money | 13 | 0.01 |
| Family or friends | 10 | 0.01 |
| Pawnbroker | 4 | 0.00 |
| Business owner | 3 | 0.00 |
| Other | 1 | 0.00 |
| Financial institution | 0 | 0.00 |
- Do you have employees?
| employees | answers | percentage |
|---|---|---|
| None | 29 | 0.33 |
| 1-2 employees | 4 | 0.04 |
| 3-5 employees | 1 | 0.01 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 28 | 0.65 |
| No | 15 | 0.35 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Labor market skills development | 20 | 0.47 |
| Business skills development | 15 | 0.35 |
| Hiring process skills development | 13 | 0.30 |
| Personal finance skills development | 13 | 0.30 |
| Languages skills development | 12 | 0.28 |
| Business regularization | 11 | 0.26 |
| None, I’m fine | 2 | 0.05 |
Profile 6: Irregular source of income
Most of them arrived in 2022
57.79% are household chiefs
70.94% live with their families/children
50.97% are using digital or internet banking
87.34% have the intention to stay in Brazil for the next 2 years
64.45% plan to stay in the same city for the next 6 months
Sex distribution:
| sex | answers | percentage |
|---|---|---|
| Female | 450 | 0.73 |
| Male | 165 | 0.27 |
| NA | 1 | 0.00 |
- Age distribution:
Average: 36.3
- Their income level:
| inc | answers | percentage |
|---|---|---|
| Prefer not answer | 615 | 1 |
| NA | 1 | 0 |
- Their education level:
| educ | answers | percentage |
|---|---|---|
| Secondary (complete) | 173 | 0.28 |
| Undergraduate (complete) | 149 | 0.24 |
| Undergraduate (incomplete) | 98 | 0.16 |
| Secondary (incomplete) | 97 | 0.16 |
| Primary (complete) | 29 | 0.05 |
| Primary (incomplete) | 26 | 0.04 |
| Postgraduate (complete) | 21 | 0.03 |
| NA/Other | 17 | 0.03 |
| Postgraduate (incomplete) | 6 | 0.01 |
- Where do they live?
| region | answers | percentage |
|---|---|---|
| São Paulo | 220 | 0.36 |
| Roraima | 150 | 0.24 |
| Amazonas | 115 | 0.19 |
| Rio Grande do Sul | 50 | 0.08 |
| Other | 24 | 0.04 |
| Distrito Federal | 22 | 0.04 |
| Rio de Janeiro | 17 | 0.03 |
| Mato Grosso | 6 | 0.01 |
| Santa Catarina | 6 | 0.01 |
| Paraná | 4 | 0.01 |
| Mato Grosso do Sul | 1 | 0.00 |
| Minas Gerais | 1 | 0.00 |
- Nationality distribution:
| nacionality | answers | percentage |
|---|---|---|
| Venezuela | 521 | 0.85 |
| Bolivia | 40 | 0.06 |
| Cuba | 10 | 0.02 |
| Angola | 8 | 0.01 |
| Haiti | 7 | 0.01 |
| Paraguai | 5 | 0.01 |
| Congo | 4 | 0.01 |
| Guiné-Bissau | 4 | 0.01 |
| Syria | 3 | 0.00 |
| Costa do Marfim | 2 | 0.00 |
| Colombia | 1 | 0.00 |
| Afghanistan | 1 | 0.00 |
| Afeganistão | 1 | 0.00 |
| Benin | 1 | 0.00 |
| Equador | 1 | 0.00 |
| Guiné Bissau | 1 | 0.00 |
| Marrocos | 1 | 0.00 |
| Peru | 1 | 0.00 |
| Peruano | 1 | 0.00 |
| Russia | 1 | 0.00 |
| Senegal | 1 | 0.00 |
| Venezuela | 1 | 0.00 |
- What assets do your currently have in Brazil?
| assets | answers | percentage |
|---|---|---|
| None | 556 | 0.57 |
| Other | 20 | 0.02 |
| Valuables (jewelry, cash, etc) | 15 | 0.02 |
| Productive assets | 15 | 0.02 |
| Land | 9 | 0.01 |
| Vehicle | 6 | 0.01 |
| House or apartment | 4 | 0.00 |
- The products they use:
| use_br3 | answers | percentage |
|---|---|---|
| Bank account | 215 | 0.35 |
| Debit card | 205 | 0.33 |
| Credit card | 75 | 0.12 |
| Digital account, wallet (on the phone) | 72 | 0.12 |
| Savings, deposit account | 67 | 0.11 |
| Transfers incl. remittances | 15 | 0.02 |
| None of the above services listed | 6 | 0.01 |
| Other | 5 | 0.01 |
| Investments | 4 | 0.01 |
| Insurance | 4 | 0.01 |
- The institutions they hold bank accounts in:
| use_br5 | answers | percentage |
|---|---|---|
| Nubank | 157 | 0.25 |
| Itaú | 122 | 0.20 |
| Caixa Econômica Federal | 82 | 0.13 |
| Other | 51 | 0.08 |
| Banco Santander | 47 | 0.08 |
| Bradesco | 36 | 0.06 |
| Banco do Brasil | 30 | 0.05 |
| Banco PAN | 9 | 0.01 |
| Banco Inter | 8 | 0.01 |
| None | 6 | 0.01 |
| BMG | 1 | 0.00 |
| Banco da Amazônia | 1 | 0.00 |
| Sofisa | 0 | 0.00 |
- In how many institutions to they hold accounts:
| numb_accounts | total | percentage |
|---|---|---|
| 0 | 296 | 0.48 |
| 1 | 171 | 0.28 |
| 2 | 95 | 0.15 |
| 3 | 39 | 0.06 |
| 4 | 10 | 0.02 |
| 5 | 4 | 0.01 |
| 6 | 1 | 0.00 |
- In which institutions do they hold digital wallets?
| use_br6 | answers | percentage |
|---|---|---|
| None | 105 | 0.18 |
| Iti Itaú | 104 | 0.18 |
| PicPay | 67 | 0.11 |
| Mercado Pago | 39 | 0.07 |
| PagBank | 25 | 0.04 |
| Other | 19 | 0.03 |
| Regarga Pay | 8 | 0.01 |
| AME | 3 | 0.01 |
| Bitz | 0 | 0.00 |
10.88% have loans from FIs
For those that got loan/credit, for what was it for?
| loan_br_use | answers | percentage |
|---|---|---|
| Consumption | 56 | 0.36 |
| Other | 10 | 0.06 |
| Corporate | 3 | 0.02 |
| Vehicles | 2 | 0.01 |
| Housing | 1 | 0.01 |
- Do you send money abroad?
| use_br8 | answers | percentage |
|---|---|---|
| Yes | 395 | 0.64 |
| No | 221 | 0.36 |
- In what of the following areas do you want to develop more skills?
| asp | answers | percentage |
|---|---|---|
| Hiring process skills development | 311 | 0.50 |
| Labor market skills development | 267 | 0.43 |
| Languages skills development | 186 | 0.30 |
| Business skills development | 183 | 0.30 |
| Personal finance skills development | 118 | 0.19 |
| Business regularization | 89 | 0.14 |
| None, I’m fine | 44 | 0.07 |
Framework: Stability x Independence Index
Below are the two indexes that were created.
The indexes for each survey respondent was calculated as the simple average of the score that an observation receives for each component (e.g. income regularity, employment type, etc). In brackets are the score range for each component.
The higher the index the more stable and the more independent independent.
- Stability index:
income regularity (0-1)
employment type (0-2)
willingness to move (0-2)
Stability index = (income regularity + employment type + willingness to move) / 3
- Independence index:
income level (0-2)
government social programs (0-2)
household head (0-1)
Independence index = (income level + government social programs + household head) / 3
| profile | stab_index | indep_index | number_obs |
|---|---|---|---|
| Profile 1.1 | 1.58 | 0.42 | 23 |
| Profile 1.2 | 1.60 | 0.50 | 36 |
| Profile 1.3 | 1.58 | 0.64 | 27 |
| Profile 1.4 | 1.53 | 0.38 | 13 |
| Profile 2.1 | 0.37 | 0.44 | 15 |
| Profile 2.2 | 0.33 | 0.15 | 9 |
| Profile 3 | 1.01 | 0.61 | 64 |
| Profile 4.1 | 1.54 | 0.59 | 13 |
| Profile 4.2 | 1.20 | 0.44 | 31 |
| Profile 5 | 1.29 | 0.52 | 43 |
