According to FinanZero loan indices, for the first time in two years, the public that most requests loans has changed and the The largest share of people who applied for loans within the fintech platform were female, with an average age of 34 years.
Males have predominated in this ranking since 2010, now they make up 49.8% of this audience, with 50.2% being female. Brazilians have needed to assess their habits and define their priorities as budgets are unbalanced and debts increase and unemployment still knocks on the door of many families Brazilian.
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In recent years, when the pandemic was evident, many women ended up choosing to look for ways to earn extra income, and opt for informal jobs or digital entrepreneurship, as they needed a way to seek income, as the bills were arriving. A survey carried out by the National Confederation of Commerce in Goods, Services and Tourism, in January 72% of consumers had bills due, in July it had already increased to 80%.
The fact that women are requesting more loans can be due to a number of factors, one of which is the difficulty of finding a job and to relocate in the labor market with a formal contract, and the need to supplement this monthly income are factors that imply this decision to apply loans.
When applying for loans, they have seen a faster way to get money and pay off their debts and out of the red, or using that money to open your own business and generate a more profitable form of income. permanent.
The freelancer platform, Closeer, carried out a survey and it points out that around 70% of these professionals who doing freelance are female, and 54% claim that the reason for doing this activity is to increase the income.
Whether single or married, women are taking on the role of head of the family, and as a result, they end up becoming more and more more with financial responsibility for the home, and balance their day-to-day with household chores and family obligations. work.
According to the Institute of Applied Economic Research, the percentage in which households are headed by women increased to 45% by 2018, where in 1995 it was only 25%. It is estimated that during this period 10 million women took over the post and 2.8 million men lost this position due to the economic crisis.
According to the CNC, with the percentage of 29% of families indebted, only one source of income in the family is not enough to meet basic and financial needs.
With this, it is possible to understand why women seek these alternatives and go in search of credits to be able to make pending payments.
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