Consórcios e Educação Financeira: Entrevista com Paulo Roberto Rossi


 “A educação financeira é fundamental para o crescimento do consumidor brasileiro no âmbito da sociedade, visto que sua essência orienta as decisões econômicas pessoais e familiares.”. Essa é a definição do o presidente executivo da Associação Brasileira de Administradoras de Consórcios (ABAC), Paulo Roberto Rossi, da importância de um melhor planejamento financeiro das famílias brasileiras.

 Em entrevista exclusiva à Credit Performance, Paulo Roberto fala também sobre o sistema de consórcios no Brasil e quais medidas estão sendo tomadas pelas administradoras de consórcios nesse ano de crise.

Credit Performance : Em linhas gerais, como funciona o Sistema de Consórcios no Brasil hoje? Ele passou por muitas mudanças desde sua criação?

 Paulo Roberto Rossi – O início dos consórcios data dos anos 60, mais precisamente em setembro de 1962. Com o advento da indústria automobilística e com o crédito caro e escasso, a inciativa de bancários deu origem ao mecanismo. O segmento buscou seu espaço e cresceu. Para se ter uma ideia da sua importância, somente a montadora Willys-Overland do Brasil somava 55 mil consorciados em sua carteira.

Porém o acontecimento mais importante viria a ocorrer em outubro de 2008, quando da edição da Lei 11.795, de que trata exclusivamente sobre o Sistema de Consórcios.  Referida Lei entrou em vigor em fevereiro de 2009, proporcionando, entre outros, estabilidade jurídica para os envolvidos no mecanismo, além de autorizar a criação dos consórcios de serviços.

Ao longo dos mais de 50 anos dos consórcios, o Sistema passou por vários momentos econômicos, vivenciou e resistiu aos muitos planos governamentais para estabilização da moeda. Ao superar todas as incertezas, mostrou que é forte e tem credibilidade.

Atualmente, o Sistema de Consórcios conta com 6,4 milhões de participantes divididos nos setores de veículos automotores (leves, pesados e motocicletas), imóveis, eletroeletrônicos e serviços. Em 2014, movimentou quase R$ 79 bilhões em créditos comercializados. Houve mais de 1,36 milhão de consorciados contemplados que puderam ir ao mercado adquirir bens ou contratar serviços, com volume de aproximadamente R$ 38 bilhões.

CP: A economia brasileira está andando a passos lentos em 2015. A venda de consórcios está sendo muito prejudicada pela recessão?

Paulo –  Como os sinais das novas autoridades monetárias apontam para ajustes graduais, entendo ainda existir espaço para crescimento, bem planejado, levando-se em conta a elevação da taxa de juros para controlar a inflação e o aumento dos impostos para garantir o financiamento dos gastos do governo.

O amadurecimento do consumidor ao longo dos últimos anos sinaliza a continuidade do planejamento financeiro no seu dia a dia. O conhecimento e a análise comparativa possibilitam que se tome a melhor decisão para a compra de bens ou contratação de serviços, características importantes para quem considera o consórcio como uma forma de poupança programada com objetivo definido.

Tanto no cenário individual, familiar ou empresarial, ainda diante de um quadro de inflação em ascensão, o controle orçamentário torna-se fundamental. O planejamento das despesas versus receitas pode gerar sobras, boas oportunidades para os consumidores construírem patrimônio por meio dos consórcios, no médio e longo prazos.

No 1º quadrimestre deste ano, o Sistema de Consócios, apesar da instabilidade econômica, apresentou crescimento de quase 9% no número de participantes ativos, se comparado ao mesmo período de 2014. Esse e outros indicadores econômicos trazem perspectivas positivas e de crescimento a esse mecanismo de autofinaciamento. O consórcio traz uma avenida de oportunidades ao consumidor. Isso porque, como a sua essência é o planejamento financeiro, aquele que de planejar desde já estará à frente dos demais consumidores quando a economia se recuperar.

CP: Para alavancar a venda de automóveis, está sendo realizado neste mês o Festival Nacional do Consorciado Contemplado, promovido pela Associação Nacional dos Fabricantes de Veículos Automotores (ANFAVEA) e com o apoio da ABAC. O resultado está sendo satisfatório? Qual é a projeção de vendas de automóveis para 2015?

Paulo –  Ainda é cedo para sabermos os resultados. O engajamento das montadoras e das associações de marcas demonstra que as perspectivas são positivas. Lembro que, como entidade representativa do Sistema de Consórcios, desejamos que os consorciados contemplados que ainda não utilizaram seus créditos, tenham oportunidade de realizar bons negócios. Como cada um deles tem plena e total liberdade de escolha, a concorrência das ofertas das diversas marcas certamente proporcionará oportunidades interessantes para sensibilizar aqueles detentores de cartas de crédito.

CP:  A associação desenvolveu o Prêmio ABAC Compartilhar, para estimular e reconhecer iniciativas que ajudam no bom funcionamento dos consórcios. Neste ano, a vencedora foi a Disal, com o relato “Trade Marketing”. Conte um pouco dessas iniciativas e sobre o prêmio.

Paulo – O “Prêmio ABAC Compartilhar 2015 – Melhores Práticas das Administradoras de Consórcios” foi uma iniciativa da entidade com objetivo de fortalecer o Sistema de Consórcios e disseminar práticas empresariais que contribuam para o aprimoramento de todas as empresas do setor.

Várias administradoras inscreveram seus relatos sobre melhores práticas desenvolvidas em suas empresas focando diversos aspectos nas administrativas, financeiras, jurídicas, comerciais, de comunicação, marketing, recursos humanos, tecnologia, relacionamento com clientes, entre outras.

Recebemos muitas inscrições e, como dito, entre os cinco finalistas, a Disal foi vencedora com um trabalho interessante e importante para o crescimento interno da empresa e disseminadamente pelo Sistema.

CP: Atrelada a essa ideia de que as pessoas podem e devem ter acesso a compra de bens duráveis, como casas e automóveis, está também a preocupação de que o consumidor tenha um bom planejamento financeiro. Como você avalia a Educação Financeira no Brasil? Como as grandes empresas (bancos, financeiras, administradoras de consórcio) podem contribuir de forma positiva para isso?

Paulo – A educação financeira é fundamental para o crescimento do consumidor brasileiro no âmbito da sociedade, visto que sua essência orienta as decisões econômicas pessoais e familiares.

Com a estabilização da economia com o advento do Real, e o comportamento da inflação nas últimas décadas, em especial no último ano, houve mudança de atitude na forma como a população em geral deve lidar com seus ganhos e gastos dentro do orçamento mensal.

A educação financeira deveria ser a grande plataforma para a melhoria da qualidade de vida e para formação ou ampliação patrimonial.

Para tanto, iniciativas das instituições financeiras para transmissão de informações básicas que permitam maior conhecimento sobre como gerir recursos, planejar, poupar ou investir com objetivo a médio e longo prazos são instrumentos necessários para conquistar um futuro tranquilo, tanto patrimonial como financeiramente, considerando qualidade de vida.

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