Inadimplência sobe 4,22% em um ano e atinge 62,89 milhões de pessoas

Dados apurados pelo Serviço de Proteção ao Crédito (SPC Brasil) e pela Confederação Nacional dos Dirigentes Lojistas (CNDL) apontam que o número de inadimplentes cresceu 4,22% no mês de outubro deste ano em relação ao mesmo período de 2017. Em números absolutos, estima-se que 62,89 milhões de brasileiros estejam com o CPF restrito para fazer compras a prazo ou contratar crédito.

De acordo com a pesquisa, o aumento da inadimplência foi puxado pelo Sudeste, cuja alta observada em outubro foi de 13,30%, além de ser a região do país com o maior número de negativados – 26,10 milhões, o que representa 39% da população adulta da localidade.

Nas demais regiões, as altas foram menos intensas, com o Norte registrando 5,31%, a região Sul 4,11%, o Nordeste 3,91%, e o Centro-Oeste 1,61%. Em números absolutos, o Nordeste aparece com 17,42 milhões de negativados, o Sul com 8,48 milhões, o Norte com 5,86 milhões, e o Centro-Oeste com 5,02 milhões.

O indicador revela ainda que pouco mais da metade (52%) dos brasileiros que têm entre 30 e 39 anos estão negativados, o que equivale a 17,9 milhões de consumidores. Na sequência, estão os consumidores de 40 a 49 anos (14,2 milhões); de 50 a 64 (13,1 milhões); de 25 a 29 (7,7 milhões); de 65 a 84 (5,45 milhões); e dos 18 a 24 (4,3 milhões).

Tipos de dívidas

O SPC Brasil calculou também o aumento de pessoas endividadas em determinadas modalidades de serviço. De acordo com a entidade, o crescimento mais expressivo foi o das dívidas bancárias, que incluem cheque especial, cartão de crédito, empréstimos, financiamentos e seguros, cuja alta foi de 7,74%. Também houve alta em atraso de contas com empresas do setor de comunicação (7,56%), enquanto as contas atrasadasd de serviços básicos, como água e luz, sofreram aumento de 4,46%.

Na avaliação do SPC Brasil, a inadimplência do consumidor continua elevada mesmo com o fim da recessão, pois a recuperação econômica segue lenta e ainda não há impacto considerável no mercado de trabalho. A entidade afirma ainda que os consumidores que quiserem gastar com as festas de final de ano devem aproveitar os bônus, como o décimo-terceiro salário, para renegociar suas dívidas em condições mais vantajosas.

O indicador de inadimplência do consumidor reúne todas as informações disponíveis nas bases de dados às quais o SPC Brasil e a CNDL têm acesso. As informações disponíveis referem-se a capitais e interior das 27 unidades da federação.

*Estagiário sob supervisão de Alexssander Soares

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