{"id":1692,"date":"2022-09-30T21:49:26","date_gmt":"2022-09-30T21:49:26","guid":{"rendered":"http:\/\/anbc.org.br\/?p=1692"},"modified":"2024-02-08T21:55:48","modified_gmt":"2024-02-08T21:55:48","slug":"the-consumer-moment-data-on-financial-life-2","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/o-momento-dos-consumidores-dados-sobre-a-vida-financeira\/","title":{"rendered":"The consumer moment: data on financial life"},"content":{"rendered":"<p>Follow on Google News<a href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMOLGnwsw79C3Aw?oc=3&amp;ceid=BR:pt-419\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-8243\" src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2020\/11\/tenor.gif\" alt=\"\" width=\"50\" height=\"50\" \/><\/a><\/p>\r\n<p>This year's economic activity data has been full of surprises. A\u00a0<strong>inflation<\/strong>\u00a0The GDP also reacted and grew more than expected. As we head into the fourth and final quarter, how is this data impacting the consumer's financial situation? Understanding the momentum of the consumer is a fundamental step in evaluating the performance of the\u00a0<strong>consumption<\/strong>\u00a0and, in particular, consumption through credit.<\/p>\r\n<p>There are several indicators that allow us to look at the\u00a0<strong>financial health<\/strong>\u00a0of consumers. Let's start with unemployment. This variable is measured by the Brazilian Institute of Geography and Statistics (IBGE) and measures the number of people who are out of work and looking for opportunities. Unemployment rose during the recession that began in 2014 and during the pandemic. After reaching a peak in the first quarter of 2021 (14.9%), the unemployment rate has been falling - and even more intensely than after the recession in the middle of the last decade.<\/p>\r\n<p>The latest data from the IBGE shows that in the second quarter of 2022, unemployment reached 9.3%. This was the lowest rate since the end of 2012. We know that the recent downward trend in unemployment has eased the plight of many families, as well as improving access to goods and services.<\/p>\r\n<p>On the other hand, real average labor income, also calculated by the IBGE, is still much lower than before the pandemic. This income is called \u201creal\u201d because it corrects nominal income for the evolution of prices, allowing comparison between different periods. There has, in fact, been a recovery in income in recent months, but it is still insufficient to re-establish pre-March 2020 levels.<\/p>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n<h4 class=\"wp-block-heading\">Thanks for reading! Access other content at<a href=\"https:\/\/www.linkedin.com\/company\/anbc-associa%C3%A7%C3%A3o-nacional-dos-bir%C3%B4s-de-cr%C3%A9dito\" target=\"_blank\" rel=\"noopener\">\u00a0ANBC website<\/a>.<\/h4>\r\n<p>&nbsp;<\/p>\r\n<h3 class=\"h3-xl\" style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1261\" style=\"font-size: 1rem; color: #333333; font-family: Roboto, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: 300;\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2023\/12\/elias-sfeir.webp\" alt=\"elias sfeir\" width=\"100\" height=\"100\" \/><\/h3>\r\n<p>&nbsp;<\/p>\r\n<h6>President of ANBC - National Association of Credit Bureaus. Representative of Latin America in the World Bank Credit Committee. He also represents Brazil and Latin America in credit organisations accross the world, such as ACCIS, BIIA and ALACRED.<\/h6>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Follow on Google News Economic activity data has been full of surprises this year. Inflation rose much more than expected, but GDP also reacted and grew more than expected. As we head towards the fourth and final...<\/p>","protected":false},"author":1,"featured_media":1693,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"O momento dos consumidores: dados sobre a vida financeira","_seopress_titles_desc":"Caminhando para o quarto e \u00faltimo trimestre, como esses dados est\u00e3o impactando a situa\u00e7\u00e3o financeira do consumidor?","_seopress_robots_index":"","pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[56,101,100],"class_list":["post-1692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-consumo","tag-saude-financeira","tag-vida-financeira","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/1692","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/comments?post=1692"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/1692\/revisions"}],"predecessor-version":[{"id":1694,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/1692\/revisions\/1694"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/1693"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=1692"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=1692"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=1692"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}