Income and consumer confidence
Over the last ten years, the Brazilian economy has suffered two major shocks: one internal, between 2014 and 2016, and the other external, with the onset of the pandemic in 2020. These shocks have affected consumer confidence and income, two variables...
Fintechs Transform Credit
Fintechs Transform Credit and Expand E-Commerce in Latin America Latin America is undergoing a profound transformation in the financial sector. Fintechs, which combine technology and financial services, are consolidating their position as protagonists of this change. In Brazil, the...
Socio-economic impacts of microcredit
Small businesses and individual micro-entrepreneurs (MEI) make up the vast majority of companies in the country. According to the Ministry of Entrepreneurship, Microenterprise and Small Business, of the total number of active companies in the four-month period...
Credit for Industry
Credit for Industry: The Foundation of Sustainable Neo-industrialization Brazilian industry is going through a very important moment. Amid the challenges of global competitiveness, energy transition, climate change and digital transformation, credit has emerged as one of the main instruments for...
An overview of cooperative credit in Brazil and worldwide
In June 2025, the Central Bank published the Panorama of the National Cooperative Credit System (SNCC), with data referring to 2024. The aim of this article is to present the evolution of credit in this segment and the outlook for the...
Default, recidivism and credit recovery
Disqualification is an important signaling mechanism in the credit market because it reduces credit risk and the risk of over-indebtedness. In some cases, a negative credit rating may be the result of a one-off problem, due to an unforeseen...