In addition to the interruption of operations, the institute requests the forgiveness of the interests and the extension of the deadline for the payment of the installments
BRASILIA – O Brazilian Institute for Consumer Defense (IDEC) sent to Ministry of Justice official letter requesting the suspension and revision of the existing salary assignment contracts for the beneficiaries of the Help Brazil. The entity, which was opposed to the provision passed during the election period from the outset, proposes exemption from interest expense and the extension of the payment term.
As revealed the Stadiumthe Lula government studies that offer a kind of amnesty for the debts of the beneficiaries of the program due to the fragility of the target audience for this type of credit.
In the document, Idec proposes the immediate suspension of operations; the integration, of Federal Economic Caixa, of private banking contracts for the principal amount; exemption from interest expense; and an investigation into the 3.5 million contracts and the conditions under which they were concluded. Idec also proposes the creation of a fund to pay beneficiaries who do not remain in the now rebranded Bolsa Familia.
If the revision of the contracts leads to the exclusion of the Cadastro Único due to inadequacy or irregularity, Idec proposes to apply the deductible in the payroll for pensioners, the ceiling of which is 2.14% per month – in the deductible in the envelope the interest is 3. 45% per month. The document is addressed to the Minister of Justice, Flavio Dinoand the national consumer secretary, Wadih Damus.
OR Minister of Social Development, Wellington Dias – who confirmed to Estadão on Monday that the government was considering a sort of amnesty for the beneficiaries of Bolsa Família – said this Wednesday that this audience should be assisted by “Desenrola”, the program of Lula’s campaign for debt renegotiation. “As soon as the project is ready, the president (Lula) will certainly launch it for Brazil, and this area related to Bolsa Família will be treated among other debtors throughout Brazil, from the most diverse areas,” said the minister.
irregularities
Idec points out that since the beginning of the credit operation, in October 2022, between the first and second electoral rounds, R$ 9.5 billion has been granted for the modality to 3.5 million people.
“Families were encouraged to seek credit as if the money had been donated,” he says. Ion Amorim, coordinator of the Idec Services Program. “Many irregularities have been detected, starting from the instability of the bank systems and access difficulties, canceled proposals, money not made available on time, discounts on the benefit for undelivered money and household registration incompatible with the program criteria”, he said .
He said that a full amnesty could be an alternative, but that it would not be fair to all those who seek credit and have their offers denied. “We need to reduce the extent of the impact of debt on the lives of these families by removing the interest embedded in these operations,” she said.
This is also the vision of the institutional director of Brazilian Basic Income Network, Paula Carvalho, who did not necessarily advocate a full amnesty, but a reduction in interest rates or a debt rollover. “It is not, nor has it ever been, a loan aimed at small investments or getting off the debtor lists. substantial purchase on the market,” said Paola. “The impact of this would be felt soon after, where people would have a reduction in the benefit, with a 40% discount and even an extended installment plan for two years. This has a direct impact on the life and survival of the poorest”.
FGV Social researcher Marcello Neri he said he was in favor of a “middle ground”. “The abrupt implementation of payroll loans in line with the electoral calendar has been very deleterious. Similarly, an equally abrupt moratorium appears counterproductive for the financial inclusion, in the short and long term, of the least favored. Less traumatic”, he said.
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Source: Terra
Camila Luna is a writer at Gossipify, where she covers the latest movies and television series. With a passion for all things entertainment, Camila brings her unique perspective to her writing and offers readers an inside look at the industry. Camila is a graduate from the University of California, Los Angeles (UCLA) with a degree in English and is also a avid movie watcher.
