O ENDIVIDAMENTO DE IDOSOS DE NAVIRAÍ (MS): fatores identificados como evidências determinantes

Abstract

The present study aimed to analyze and identify the determining factors of indebtedness among the elderly population in the municipality of Naviraí (MS) and to discuss the consequences of this phenomenon for their social vulnerability. The research adopted a descriptive quantitative approach, based on the application of a questionnaire to 50 elderly residents in the municipality. The results demonstrate that indebtedness is predominantly a female phenomenon (75%) and one of low income (70.5% receive 1 minimum wage). Consignment Credit was identified as the main debt mechanism (45.5%), and Helping Family Members was the second most cited reason (18.2%), proving the thesis of "Solidary Debt" (Dívida Solidária). It was found that 25% of the indebted elderly have more than 30% of their income compromised, which puts them at risk of violating the existential minimum. It is concluded that indebtedness is a structural dilemma, resulting from vulnerability to credit harassment and social pressure, which demands the urgent implementation of public policies for financial education and enforcement of Law n. 14,181/2021.