Renegotiation fairs
Follow on Google News Renegotiation fairs: a chance to reorganize finances The latest data on delinquency in the country shows a universe of more than 64 million negative consumers, according to data from the credit bureau sector....
Inflationary pressure and rising interest rates
Follow on Google News Inflationary pressure and rising interest rates reinforce the warning about harmful credit practices After two years of the pandemic and with the current global scenario, the words moderation and caution have appeared frequently in discussions about...
A new framework for credit guarantees
Follow on Google News Trust is at the root of the word credit. Without this basic element, it's hard to imagine how the credit market works. Complex and developed financial systems require, in addition to trust, objective criteria to back their operations....
You and your credit rating
Follow on Google News Month after month, the cycle repeats itself: bills and invoices flood into your email address or mailbox. With so many papers and due dates, you need to keep track of them to avoid leaving anything behind. The...
A review of credit performance in 2021
Follow on Google News Data on the performance of the credit market in 2021 was recently released by the Central Bank of Brazil. As expected, the total balance of loans and financing made by the National Financial System advanced in 2021,...
Credit and financial inclusion for young people
Follow on Google News Independence is a common desire among young people. But how many are actually prepared for the responsibilities of adult life? A worrying statistic suggests that, in financial terms, this phase of life is often difficult and...
INFLATION LIMITS CREDIT GROWTH IN 2022
Follow on Google News Source: https://digitalmoneyinforme.com.br/ c took over the global economic scene and debate in 2021. On the one hand, there has been a recovery from the economic collapse of 2020 caused by the Covid-19 pandemic - based on fiscal policies and...
Credit on the agenda: the issues that crossed 2021
Follow on Google News Throughout the year, we have used this space to discuss issues in the credit market. We try to look at the current situation and the main trends, based on the understanding that an adequate regulatory and legal environment...
How credit affects our well-being
Follow on Google News This article is an invitation to reflect on the importance of credit for the well-being of consumers. Our reflection begins with a question: why does someone decide to take out a loan and pay interest in return?...
Credit for small businesses
Follow on Google News Credit for small businesses and the entrepreneur's "homework" I often use this space to talk about credit for micro and small businesses, which are an important force in the economy. In this article, I try to alert...
The new frontier of information technology
Follow on Google News With the reduction of mobility and the imposition of efficiency in communication, the pandemic has established an unprecedented technological acceleration creating platforms and applications to meet this need and further strengthening the new technological frontier,...
The credit-GDP ratio in Brazil
Follow on Google News The credit-to-GDP ratio in Brazil: history and international comparison The world has come a long way in measuring economic variables. This information is essential to guide economic management and business decisions. In the case of...
The particularities of the Positive Register in other countries
Follow on Google News In the last post, I covered how countries use the Cadastro Positivo. In this article, you'll discover the particularities of important markets around the world. Cadastro Positivo in the United States The credit information collected includes date of...
The power of regional credit
Follow on Google News The first default databases emerged in the 1950s and had local operations, limited to a small group of stores in the center of the city of São Paulo and their consumers. With the advance...
Financial transformation
Follow on Google News In recent years, we have experienced major changes in the way we pay, receive and access various financial services. Technological advances are one of the driving forces behind these transformations. Going to a bank branch is an increasingly...
ESG: impact on the credit market
Follow on Google News The evaluation of economic and financial indicators is a basic requirement of investment and corporate credit analysis. Without disregarding the importance of these figures, the ESG phenomenon has brought complementary metrics to the center of analysis, making it possible to control...
Credit unions and their importance in the market
Follow on Google News Through associations, groups in society are able to join forces to obtain benefits and defend common demands. Cooperatives were born in the same spirit, but with a focus on the development of a business activity. Among other things, cooperatives...
The impact of the Positive Register on interest rates
Follow on Google News The President of the Republic's sanction of the new Positive Registry turned two years old in April. In the initial model, created almost a decade ago, the entry of a borrower in the database...
Collection intelligence
Follow on Google News Collection intelligence, a reality closer to everyone Companies have long sought to improve the process of granting credit in order to reduce defaults. As a result, this process, which used to...
Credit in adversity
Follow on Google News Credit in adversity: comparing the latest crises In the last two decades, the Brazilian economy has gone through three major crises. The first was in 2008, when the global financial system was on the verge of collapse. At the time,...
The importance of Analytics in the evolution of credit bureaus
Follow on Google News With the digitization of information that began in the 1960s, the volume of data has grown exponentially. Data has also accelerated change, which in turn has created data sources and demanded speed in decision-making. In this...
Credit in Brazil's economic recovery
Follow on Google News The pace of recovery varies between countries and sectors, and the degree of uncertainty remains high. This is the highlight of the “World Economic Outlook” report published by the International Monetary Fund (IMF). The institution forecasts growth of 6%...
Ways to reduce the cost of credit
Follow on Google News With an eye on inflation expectations and the behavior of the dollar, the Central Bank's Monetary Policy Committee (COPOM) raised the basic interest rate by 0.75 percentage points. With this, the SELIC went from 2% to...
Information and guarantees: how to improve the credit environment
Follow on Google News Since 2003, the World Bank has organized a ranking that classifies countries according to whether or not they are easier to do business in. The aim of the survey is to compare the regulatory environment between different countries and thus help...