Report Debt Value Service

Author

Matheus Carrijo de Brito

Published

July 25, 2024

Debt Service Value

The average value of debt service by the following groups i) not cadprograms, ii) pension and iii) BF program. The data base used was only subset for higher than 18 years old.

Debt Service Value

The debt service value by gender and cad programs.

  • Pension Program beneficiaries are more exposed to debt service than the other programs.

  • Large increase of the debt from the not-beneficiaries of cad program:

    • Specially after 2021.

  • BF beneficiaries have the lower debt service.

    • Same trend with the non-beneficiaries of cad during 2021 to 2022.

    • But stabilized after 2022.

Debt Service Value

Debt Service of Consignado and Not Consignado

Consignado

  • The debt service is higher in the line consignado for the pension groups.

    • It largely increased after 2022.

  • The other groups have relatively stable debt service of consignado.

Not Consignado

  • The large increase in debt service of not cadprograms seems to be driven by the not consignado line.

    • Large increase after 2021.

  • The pension group have relative stable debt service of not consignado.

  • The BF program also increased the debt service of not consignado after 2021, but within lower levels.

Gender

  • Womens for all cadgroups have a higher debt service with consignado than men.

  • But with lower debt service of not consignado.

Consignado

NãoConsignado

Debt Service Cartão e Parcelado Logista

  • Stable debt service of cartão for all groups until 2021.

  • Large increase after 2021.

    • Specially for the not cadprogram and BFprogram.

  • The debt service in installments have a increasing trends for all groups.

    • With higher growth from 2021, speacilly for the non cad programs and BF program.

  • In all groups, women have a higher debt service.

  • The debt service card consignado is target for the pension groups.

    • With higher growth from 2022 onwards.

Card

Card in installments

Card Consignado

Debt Service Veiculos

  • The debt service among Vehicles is higher for men and not cadprograms.

  • Higher growth rate after 2020.

  • Similar trend but difference levels of the not cadprogram and BF program.

  • Stable service for the pension group.

Housing

  • Upward slope trend for the not cadprograms.

    • Higher for men.

  • The BF program and pension groups have a stable debt service.

    • But with BF program with higher debt service than pension group after 2020.

Debt Service in loss

  • All groups have a decreasing trend after 2018.

    • BF program with the lowest level, followed by the not cadprograms, and pension group.

    • For BF program and the not cad programs, women have lower level than men.

      • The levels are similar among gender in the pension group.

Vehicles

Housing

Loss