O PAPEL DA FINANCEIRIZAÇÃO NO ENDIVIDAMENTO DAS FAMÍLIAS BRASILEIRAS

Abstract

This monography analyzes the role of financialization in the indebtedness of Brazilian families, highlighting how this macrostructural phenomenon reorganizes the functioning of the economy, the State and daily life. The central problem investigated is the subordinate insertion of families in the financial circuit, with emphasis on the use of credit as a substitute for public policies. The objective is to understand how family debt emerges as a mechanism for reproducing fictitious capital in the neoliberal context.. The research was developed through a critical bibliographic review and analysis of secondary data from institutions such as the Banco Central and Serasa. It was found that credit, especially via credit cards, began to function as a form of social discipline and expropriation of labor income. Financialization, far from being a technical phenomenon, reconfigures the role of the State and deepens structural inequality, transforming indebtedness into the axis of contemporary social reproduction.