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.

195 replies to this post
  1. Este site é realmente fantástico. Sempre que consigo acessar eu encontro novidades Você também pode acessar o nosso site e descobrir detalhes! conteúdo único. Venha saber mais agora! 🙂

  2. I am not certain where you’re getting your info, but good topic. I needs to spend a while finding out more or figuring out more. Thank you for great info I was looking for this information for my mission.

  3. me encantei com este site. Pra saber mais detalhes acesse nosso site e descubra mais. Todas as informações contidas são conteúdos relevantes e exclusivos. Tudo que você precisa saber está ta lá.

  4. Este site é realmente fantástico. Sempre que consigo acessar eu encontro coisas boas Você também pode acessar o nosso site e descobrir detalhes! informaçõesexclusivas. Venha saber mais agora! 🙂

  5. amei este site. Pra saber mais detalhes acesse o site e descubra mais. Todas as informações contidas são informações relevantes e exclusivas. Tudo que você precisa saber está está lá.

  6. demais este conteúdo. Gostei muito. Aproveitem e vejam este conteúdo. informações, novidades e muito mais. Não deixem de acessar para se informar mais. Obrigado a todos e até mais. 🙂

  7. fabuloso este conteúdo. Gostei muito. Aproveitem e vejam este conteúdo. informações, novidades e muito mais. Não deixem de acessar para saber mais. Obrigado a todos e até mais. 🙂

  8. I just want to mention I am very new to blogs and certainly enjoyed your blog. Almost certainly I’m planning to bookmark your website . You surely come with good posts. Thanks a lot for revealing your webpage.

  9. I simply want to mention I am very new to blogs and seriously liked your website. Very likely I’m want to bookmark your site . You amazingly come with terrific writings. Thanks a lot for sharing your website.

  10. That is very interesting, You are an excessively professional blogger. I’ve joined your feed and look forward to in quest of extra of your wonderful post. Also, I have shared your site in my social networks!

  11. Hi there this is kinda of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get advice from someone with experience. Any help would be greatly appreciated!

  12. Simply desire to say your article is as astonishing. The clearness on your submit is just spectacular and i can think you’re knowledgeable on this subject. Well with your permission let me to grasp your feed to stay up to date with forthcoming post. Thank you 1,000,000 and please continue the gratifying work.

  13. Good – I should certainly pronounce, impressed with your site. I had no trouble navigating through all tabs as well as related information ended up being truly easy to do to access. I recently found what I hoped for before you know it in the least. Quite unusual. Is likely to appreciate it for those who add forums or anything, website theme . a tones way for your client to communicate. Excellent task..

  14. Hi there! This blog post could not be written any better! Going through this article reminds me of my previous roommate! He continually kept talking about this. I will send this information to him. Fairly certain he’s going to have a very good read. Thank you for sharing!

  15. I just want to mention I am just very new to weblog and truly savored you’re page. Most likely I’m want to bookmark your website . You really come with awesome article content. Regards for sharing your website.

  16. Have you ever thought about including a little bit more than just your articles? I mean, what you say is important and everything. But just imagine if you added some great graphics or video clips to give your posts more, “pop”! Your content is excellent but with images and videos, this site could definitely be one of the most beneficial in its field. Wonderful blog!

  17. When I originally commented I clicked the -Notify me when new comments are added- checkbox and already if a comment is added I get four emails with the exact same comment. Possibly there is by any means you are able to remove me from that service? Thanks!

  18. I have witnessed that costs for internet degree experts tend to be a great value. For example a full Bachelor’s Degree in Communication from The University of Phoenix Online consists of Sixty credits from $515/credit or $30,900. Also American Intercontinental University Online provides a Bachelors of Business Administration with a overall study course feature of 180 units and a worth of $30,560. Online learning has made taking your diploma far less difficult because you could earn your degree through the comfort of your dwelling place and when you finish working. Thanks for all other tips I have learned through the web-site.

  19. After I originally commented I seem to have clicked on the -Notify me when new comments are added- checkbox and now whenever a comment is added I get four emails with the same comment. There has to be an easy method you can remove me from that service? Thanks.

  20. A motivating discussion is definitely worth comment. I do believe that you ought to write more about this issue, it may not be a taboo matter but usually people do not talk about such topics. To the next! Kind regards.

  21. Having read this I thought it was extremely informative. I appreciate you spending some time and effort to put this short article together. I once again find myself personally spending a lot of time both reading and posting comments. But so what, it was still worth it!

  22. You’re so cool! I do not suppose I have read through anything like this before. So wonderful to discover someone with a few original thoughts on this issue. Seriously.. thanks for starting this up. This website is something that’s needed on the web, someone with some originality.

  23. What i do not realize is actually how you are not really much more well-liked than you may be now. You’re so intelligent. You realize therefore significantly relating to this subject, produced me personally consider it from a lot of varied angles. Its like men and women aren’t fascinated unless it is one thing to accomplish with Lady gaga! Your own stuffs excellent. Always maintain it up!

  24. Este site é realmente fantástico. Sempre que acesso eu encontro coisas boas Você também vai querer acessar o nosso site e descobrir mais detalhes! conteúdo único. Venha descobrir mais agora! 🙂

  25. I absolutely love your site.. Pleasant colors & theme. Did you create this site yourself? Please reply back as I’m attempting to create my own website and want to learn where you got this from or exactly what the theme is called. Many thanks!

  26. When I originally left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I receive 4 emails with the same comment. Perhaps there is a way you can remove me from that service? Thanks a lot.

  27. Thanks for discussing your ideas here. The other thing is that any time a problem develops with a laptop or computer motherboard, people should not go ahead and take risk regarding repairing it themselves because if it is not done properly it can lead to permanent damage to the whole laptop. In most cases, it is safe just to approach any dealer of that laptop with the repair of motherboard. They have got technicians who’ve an know-how in dealing with laptop computer motherboard difficulties and can make right diagnosis and execute repairs.

  28. I’m really inspired together with your writing talents as smartly as with the layout for your weblog. Is that this a paid topic or did you customize it your self? Anyway stay up the nice quality writing, it is rare to peer a great weblog like this one these days..

  29. Next time I read a blog, Hopefully it won’t disappoint me as much as this particular one. I mean, Yes, it was my choice to read through, but I genuinely believed you would have something interesting to talk about. All I hear is a bunch of crying about something that you could possibly fix if you weren’t too busy searching for attention.

  30. Having read this I thought it was rather enlightening. I appreciate you spending some time and effort to put this short article together. I once again find myself spending a significant amount of time both reading and commenting. But so what, it was still worthwhile!

  31. I got what you mean , thankyou for posting .Woh I am lucky to find this website through google. “If one does not know to which port one is sailing, no wind is favorable.” by Seneca.

  32. I intended to compose you a very small observation in order to thank you very much once again just for the extraordinary tips you’ve shown here. This has been really shockingly open-handed of you to present easily all that many individuals would’ve made available for an e-book to earn some money for themselves, and in particular considering the fact that you might have tried it in case you decided. Those good tips also acted to be a fantastic way to be sure that the rest have a similar desire much like my personal own to realize very much more pertaining to this issue. I believe there are a lot more enjoyable moments ahead for individuals who view your site.

  33. Oh my goodness! Incredible article dude! Thanks, However I am encountering troubles with your RSS. I don’t know why I cannot join it. Is there anybody getting identical RSS issues? Anybody who knows the solution will you kindly respond? Thanks.

  34. Thats deninitely true what you have said. I agree with what you have stated. You made the points looks easy, thats what we all are expecting. Will be subscribing your feeds. do keep updating with such topics.

  35. Good post. I learn something totally new and challenging on websites I stumbleupon on a daily basis. It’s always useful to read content from other authors and practice something from other sites.

  36. I am often to blogging i actually appreciate your site content. The content has really peaks my interest. I am going to bookmark your web blog and maintain checking for brand new information.

  37. Its like you learn my thoughts! You appear to know a lot about this, like you wrote the e book in it or something. I feel that you just could do with some percent to pressure the message home a bit, however instead of that, this is fantastic blog. A fantastic read. I will definitely be back.

  38. An outstanding share! I’ve just forwarded this onto a friend who had been conducting a little research on this. And he in fact bought me dinner simply because I stumbled upon it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanks for spending some time to discuss this subject here on your web page.

  39. My husband and i were so glad when Michael could finish up his research via the ideas he was given in your web site. It is now and again perplexing just to find yourself giving away guides which often many people have been trying to sell. So we fully understand we need the website owner to be grateful to for that. These illustrations you made, the simple web site menu, the friendships you help instill – it’s everything exceptional, and it is helping our son and our family do think this theme is enjoyable, and that’s rather important. Many thanks for the whole lot!

  40. Hiya very nice website!! Man .. Excellent .. Wonderful .. I will bookmark your site and take the feeds also…I’m satisfied to search out a lot of helpful information right here in the put up, we’d like develop more strategies in this regard, thank you for sharing. . . . . .

  41. Hello there, just was alert to your weblog via Google, and located that it’s really informative. I am gonna watch out for brussels. I will be grateful should you proceed this in future. Lots of other folks will probably be benefited out of your writing. Cheers!

  42. Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something. I think that you can do with a few pics to drive the message home a bit, but other than that, this is wonderful blog. An excellent read. I’ll definitely be back.

  43. Do you mind if I quote a few of your posts as long as I provide credit and sources back to your website? My blog site is in the very same area of interest as yours and my users would definitely benefit from some of the information you provide here. Please let me know if this alright with you. Many thanks!

  44. Thanks for the sensible critique. Me and my neighbor were just preparing to do a little research on this. We got a grab a book from our area library but I think I learned more clear from this post. I’m very glad to see such magnificent information being shared freely out there.

  45. I’m extremely impressed with your writing skills as well as with the layout on your weblog. Is this a paid theme or did you modify it yourself? Either way keep up the nice quality writing, it’s rare to see a nice blog like this one these days..

  46. Definitely believe that which you stated. Your favorite justification seemed to be on the web the easiest thing to be aware of. I say to you, I certainly get annoyed while people think about worries that they just do not know about. You managed to hit the nail upon the top and also defined out the whole thing without having side-effects , people can take a signal. Will probably be back to get more. Thanks

  47. Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

  48. Good day! I could have sworn I’ve visited your blog before but after browsing through many of the posts I realized it’s new to me. Anyways, I’m definitely pleased I came across it and I’ll be book-marking it and checking back often!

  49. The next time I read a blog, I hope that it does not fail me just as much as this particular one. I mean, Yes, it was my choice to read, but I truly believed you’d have something helpful to talk about. All I hear is a bunch of whining about something you could possibly fix if you were not too busy seeking attention.

  50. This is the precise blog for anyone who desires to search out out about this topic. You notice so much its almost onerous to argue with you (not that I really would want…HaHa). You undoubtedly put a new spin on a subject thats been written about for years. Nice stuff, simply nice!

  51. Howdy this is somewhat of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get advice from someone with experience. Any help would be greatly appreciated!

  52. Hey there this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

  53. Hi! Someone in my Facebook group shared this site with us so I came to give it a look. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Excellent blog and outstanding design and style.

  54. You actually make it appear so easy along with your presentation however I to find this topic to be actually one thing which I think I would by no means understand. It kind of feels too complex and very vast for me. I am having a look forward for your next publish, I’ll try to get the dangle of it!

  55. Hey, just looking around some blogs, seems a pretty nice platform you are using and the theme as well. I’m currently using WordPress for a few of my sites but looking to change one of them over to a platform similar to yours as a trial run. Anything in particular you would recommend about it? m

  56. I’m really loving the theme/design of your web site. Do you ever run into any browser compatibility issues? A handful of my blog audience have complained about my blog not operating correctly in Explorer but looks great in Chrome. Do you have any suggestions to help fix this issue?

  57. Just about all of the things you state is astonishingly precise and that makes me wonder why I hadn’t looked at this in this light previously. This piece really did turn the light on for me personally as far as this specific subject goes. But at this time there is 1 issue I am not too comfortable with so while I make an effort to reconcile that with the core idea of the issue, let me see what all the rest of your subscribers have to point out.Very well done.

  58. I loved up to you’ll receive performed proper here. The comic strip is tasteful, your authored material stylish. however, you command get bought an edginess over that you would like be delivering the following. unwell undoubtedly come further formerly once more since precisely the same nearly a lot steadily within case you protect this hike.

  59. With havin so much content do you ever run into any issues of plagorism or copyright infringement? My site has a lot of completely unique content I’ve either authored myself or outsourced but it appears a lot of it is popping it up all over the internet without my agreement. Do you know any ways to help stop content from being ripped off? I’d certainly appreciate it.

  60. Have you ever thought about including a little bit more than just your articles? I mean, what you say is important and all. However just imagine if you added some great photos or video clips to give your posts more, “pop”! Your content is excellent but with images and video clips, this blog could undeniably be one of the very best in its field. Awesome blog!

  61. Hey very cool website!! Man .. Excellent .. Amazing .. I will bookmark your website and take the feeds also…I am happy to find numerous useful information here in the post, we need work out more strategies in this regard, thanks for sharing. . . . . .

  62. Yesterday, while I was at work, my cousin stole my iPad and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is entirely off topic but I had to share it with someone!

Deixe uma resposta