The new Bolsa Familia was announced by the government of Luiz Inácio Lula da Silva (PT). In addition to the benefit proposal, the payroll loan was also the subject of great debate among specialists. The proposal of the social program is aimed at the low-income public, and for people in vulnerable financial situations, however, this modality may have its days numbered.
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There are more than 20 million families that receive the monthly transfer of the benefit, enshrining the largest social program in the country. With a minimum amount of BRL 600 per month, Bolsa Família can reach BRL 1,000 per family through the additional fees presented.
The payroll loan for low-income people is an issue that specialists from the Federal Government were also against, because according to information, payroll for low-income people is a loss of financial control and a way of harming one's own recipient.
Bill 34/23 makes it possible for the social program loan to be prohibited and for there to be no collection and installments for beneficiaries of the Federal Government, such as Bolsa Família.
The project belongs to Deputy Mendonça Filho (União-PE), speaking out against the loan for low-income people, stating that it has a “subsistence nature”.
“It is important to note that the target audience of income transfer policies are people with little or no financial education, and may be influenced by unscrupulous operators who care little about the tragic consequences resulting from contracting a credit operation like this”, said the deputy.
In this case, the program's consignment would cease to exist if the proposal is approved by the National Congress. For Mendonça Filho, the beneficiary of social programs finds high installments to settle the debt, reaching 3.5% per month.
Payroll installments also influence the amount transferred, since most of the benefit is used to pay the loan installment.
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