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Advisor(s)
Abstract(s)
O surgimento de uma pandemia mundial e a crise económica associada veio trazer preocupações a todos os portugueses, designadamente sobre a perda de rendimento.
Esta dissertação foi elaborada com base no levantamento bibliográfico em documentos académicos e livros com foco em compreender o impacto que a doença COVID-19 teve na evolução dos novos créditos à habitação e ao consumo, mas também como influenciou os portugueses no cumprimento das suas obrigações para com as instituições financeiras. Com o surgimento de uma pandemia mundial, o governo português aprovou medidas de proteção às famílias e às empresas portuguesas, concretamente a criação das moratórias. Neste contexto será analisado a evolução das adesões às moratórias por parte dos portugueses. Por último foi realizado um questionário que permitirá saber qual a tipologia de crédito mais solicitada pelos
inquiridos e se os mesmos tiveram perda de rendimento devido à pandemia. Outra das questões colocada ao inquirido é se a doença COVID-19 afetou o cumprimento das suas obrigações financeiras e se tiveram necessidade de recorrer a alguma moratória. Ao analisar as respostas obtidas através do questionário, realizou-se uma análise da amostra por faixas etárias, posteriormente uma análise global da amostra, onde se concluiu que o crédito à habitação é o mais utilizado pelos inquiridos e menos de 10% dos inquiridos aderiu as moratórias. Por fim foi consultado relatórios e contas da Caixa Geral de Depósitos e do Banco Santander onde se constatou que o crédito habitação é o mais solicitado pelos portugueses.
The emergence of a global pandemic and the associated economic crisis brought concerns to all Portuguese, particularly about loss of income. This dissertation was prepared based on a bibliographical survey of academic documents and books with a focus on understanding not only the impact that the COVID-19 disease had on the evolution of housing and consumer credits but also how it influenced the Portuguese in complying with their obligations to financial institutions. With the emergence of a global pandemic, the Portuguese government approved measures to protect Portuguese families and companies, specifically the creation of moratoriums. In this context, the evolution of adherence to moratoriums by the Portuguese will be analyzed. Finally, a questionnaire was carried out to find out which type of credit was most requested by respondents and whether they had lost income due to the pandemic. Another question asked of the respondent is whether the COVID-19 disease affected the fulfillment of their financial obligations and whether they had the need to resort to any moratorium. When analyzing the responses obtained through the questionnaire, an analysis of the sample was carried out by age groups, followed by a global analysis of the sample, which concluded that housing credit is the most used by respondents and less than 10% of respondents adhered to the moratoriums. Finally, reports and accounts from Caixa Geral de Depósitos and Banco Santander were consulted, and it was found that housing credit is the most requested by the Portuguese.
The emergence of a global pandemic and the associated economic crisis brought concerns to all Portuguese, particularly about loss of income. This dissertation was prepared based on a bibliographical survey of academic documents and books with a focus on understanding not only the impact that the COVID-19 disease had on the evolution of housing and consumer credits but also how it influenced the Portuguese in complying with their obligations to financial institutions. With the emergence of a global pandemic, the Portuguese government approved measures to protect Portuguese families and companies, specifically the creation of moratoriums. In this context, the evolution of adherence to moratoriums by the Portuguese will be analyzed. Finally, a questionnaire was carried out to find out which type of credit was most requested by respondents and whether they had lost income due to the pandemic. Another question asked of the respondent is whether the COVID-19 disease affected the fulfillment of their financial obligations and whether they had the need to resort to any moratorium. When analyzing the responses obtained through the questionnaire, an analysis of the sample was carried out by age groups, followed by a global analysis of the sample, which concluded that housing credit is the most used by respondents and less than 10% of respondents adhered to the moratoriums. Finally, reports and accounts from Caixa Geral de Depósitos and Banco Santander were consulted, and it was found that housing credit is the most requested by the Portuguese.
Description
Mestrado em Contabilidade e Gestão das Instituições Financeiras
Keywords
Risco Crédito Moratória Endividamento COVID-19 Risk Credit Moratorium Non-compliance
Pedagogical Context
Citation
Tarrelo, P. A. M. (2024) Risco de crédito nas famílias portuguesas e Covid-19. [Dissertação de mestrado, Instituto Superior de Contabilidade e Administração de Lisboa]. Repositório Científico do Instituto Politécnico de Lisboa. http://hdl.handle.net/10400.21/17482