Study shows profile of Brazilian defaulting consumers
Posted: Mon Jan 27, 2025 9:35 am
A survey conducted by the Decision Analytics area shows that the majority of those with negative credit ratings are between 41 and 50 years old; the most affected social class has an income between 1 and 2 minimum wages and represents 39.1% of the total
A study developed by the Decision Analytics area of Serasa Experian, responsible for analyzing information about consumers and companies, shows the most up-to-date profile of Brazilian defaulters. The survey refers to May 2017, when the total number of consumers with bad credit ratings reached a historic high of 61 million, driven by unemployment and the economic recession.
The study shows that the majority of defaulters (19.4%) are nepal number dataset 41 and 50 years old. In second place in the ranking of participation among defaulters are young people aged 18 to 25, who account for 14.9% of the total. See the table below for the percentages for all age groups:
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Men represent 50.9% of defaulters. The most affected social class is the one that earns between 1 and 2 minimum wages, which represents 39.1% of the total. Next comes the class that earns between 2 and 5 minimum wages (11.7%). Check below:
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The majority of the 61 million defaulters have only one debt (37.3%). The study also shows that 30.7% of consumers with bad credit have four or more debts. The percentage of consumers with two debts is 19.9% and 12.1% of the total have three debts.
According to Julio Guedes, Director of Decision Analytics at Serasa Experian, Serasa can help creditor companies make the best decisions for credit recovery. “It is essential that the market can understand the economic scenario, through information analysis, to develop strategies that can boost the country’s growth,” he says.
The Decision Analytics area is a business unit of Serasa Experian specialized in providing platforms, solutions and services for credit risk management, fraud prevention, portfolio management, optimization, prospecting and customer recovery.
Default by region and states
The study also shows that the region with the highest percentage of defaulters in the country is the Southeast, with 45.2% of the total, followed by the Northeast, which corresponds to 25.1% of the total. The South of the country is in third place in the ranking, with 12.8% of those in default. The North and Northeast are in fourth and fifth place, respectively.
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A study developed by the Decision Analytics area of Serasa Experian, responsible for analyzing information about consumers and companies, shows the most up-to-date profile of Brazilian defaulters. The survey refers to May 2017, when the total number of consumers with bad credit ratings reached a historic high of 61 million, driven by unemployment and the economic recession.
The study shows that the majority of defaulters (19.4%) are nepal number dataset 41 and 50 years old. In second place in the ranking of participation among defaulters are young people aged 18 to 25, who account for 14.9% of the total. See the table below for the percentages for all age groups:
news
Men represent 50.9% of defaulters. The most affected social class is the one that earns between 1 and 2 minimum wages, which represents 39.1% of the total. Next comes the class that earns between 2 and 5 minimum wages (11.7%). Check below:
news 1
The majority of the 61 million defaulters have only one debt (37.3%). The study also shows that 30.7% of consumers with bad credit have four or more debts. The percentage of consumers with two debts is 19.9% and 12.1% of the total have three debts.
According to Julio Guedes, Director of Decision Analytics at Serasa Experian, Serasa can help creditor companies make the best decisions for credit recovery. “It is essential that the market can understand the economic scenario, through information analysis, to develop strategies that can boost the country’s growth,” he says.
The Decision Analytics area is a business unit of Serasa Experian specialized in providing platforms, solutions and services for credit risk management, fraud prevention, portfolio management, optimization, prospecting and customer recovery.
Default by region and states
The study also shows that the region with the highest percentage of defaulters in the country is the Southeast, with 45.2% of the total, followed by the Northeast, which corresponds to 25.1% of the total. The South of the country is in third place in the ranking, with 12.8% of those in default. The North and Northeast are in fourth and fifth place, respectively.
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