Propensão ao endividamento dos servidores temporários em uma organização militar de Santana do Livramento/RS

Abstract

The incentive to access the structure and, consequently, the stimulus to consumption are the relevant pillars of the economic policy that has permeated Brazil since the beginning of the Real Plan. In this context, there is, on the one hand, greater financial inclusion of the low-income population and, on the other hand, commitment of monthly income to various forms of credit. Considering thematically, as well as the importance of the temporary military server, this study aimed to estimate the indebtedness propensity of temporary employees of the Militar Organization (MO) located in Santana do Livramento. Analysis with a descriptive approach was used. Temporary MO military servants responded to an e-mail with 41 questions. A total of 108 respondents were obtained. As the main ones, access to credit is provided, and it can encourage the contracting of some form of third-party resource, usually the public credit card and video for the purchase of goods. Above all, despite the one-year contractual relationship, there is a possibility of employment stability that provides the server with the security of contracting. In addition, the financial attitude of the respondents was positive both in taking out credit and in the use of monthly income. In addition, it was possible to infer that the propensity to indebtedness of the military in question returns one level. This premise was ratified by the factor developed about indebtedness, whose average returned 4.12 on a 5-point scale, in which the extremes represent an attitude more prone to indebtedness and another more inclined.