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Master's Dissertation
DOI
10.11606/D.12.2012.tde-29032012-183533
Document
Author
Full name
Paulo Henrique Cova Gigliucci
E-mail
Institute/School/College
Knowledge Area
Date of Defense
Published
São Paulo, 2012
Supervisor
Committee
Nakane, Marcio Issao (President)
Rocha, Bruno de Paula
Rodrigues Junior, Mauro
Title in Portuguese
Crédito consignado a aposentados e pensionistas do INSS: evolução e fatores de sua expansão
Keywords in Portuguese
Crédito consignado
Instituto Nacional do Seguro Social - INSS
Abstract in Portuguese
A modalidade de crédito consignado para aposentados e pensionistas do INSS foi introduzida no final de 2004, e a partir desta data houve um ritmo muito rápido de contratação do novo produto, que se tornou a principal modalidade de crédito no segmento. Estudamos a difusão do novo produto através de um modelo baseado em escolha discreta, e efetuamos a decomposição da expansão em dois fatores: crescimento do mercado de crédito e substituição de outros créditos. Obtivemos que, durante os primeiros 12 meses de sua introdução, compreendidos entre Set/04 e Ago/05, foi onde houve o maior crescimento ajustado e a expansão foi caracterizada pelo crescimento do mercado de crédito, enquanto nos 25 meses subsequentes (Set/05 a Set/07), o crescimento ajustado foi menor e a expansão foi caracterizada por substituição de outros créditos.
Title in English
Payroll loans for social security (INSS) beneficiaries: Evolution and growth factors
Keywords in English
Difusion of innovations
INSS
Payroll loans
Abstract in English
Payroll loans for social security (INSS) beneficiaries were introduced at September of 2004. From this date to the end of studied period (Sep/07), this loan type had been adopted at a very fast rate, eventually becoming the main product in its credit market segment. We studied the diffusion of this new credit product using a choice based diffusion model, and decomposed growth in two factors: credit market expansion and substitution of other loans. In the first 12 months from introduction, between Sep/04 e Aug/05, where most of adjusted growth was observed, growth was motivated by credit market expansion, where in the following 25 months (Sep/05 to Sep/07), adjusted growth rate was lower, and growth was motivated by substitution of other loans.
 
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Publishing Date
2012-04-05
 
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