FUJA da DÍVIDA: Entenda o crédito predatório e proteja seu patrimônio | GLOBAL WALLET

In today's Global Wallet, Rafael Lara welcomes Lauro Gonzales, Coordinator of the Center for Studies in Microfinance and Financial Inclusion (CEMIF) at FGV, for an in-depth analysis of over-indebtedness in Brazil. With 82 million people having a negative credit history – half the adult population – the topic becomes crucial for understanding the Brazilian economy and the financial health of families. The program unveils the "three boxes" that explain this complex scenario: micro factors (financial education and income), macro factors (interest rates, inflation, and the labor market), and the credit supply ecosystem, which has become aggressive with the advancement of fintechs, Pix, and predatory products such as payroll-deducted credit cards. Discover how monetary policy directly impacts indebtedness and how practices like gambling addiction, driven by betting platforms, contribute to worsening the situation. Lauro Gonzales explores the evolution of credit in the country, the ease of access via digitalization, and the risks of a market that, despite being more competitive, does not always offer quality solutions. Understand why financial education, while vital, is not enough to solve the problem of over-indebtedness on its own, and how the lack of adequate regulation and supervision by the Central Bank allows the proliferation of loans with abusive interest rates. An essential discussion for Brazilian investors interested in understanding the local economic dynamics and protecting their assets. Brought to you by Avenue, your complete global financial life. Avenue Securities LLC is a member of FINRA and SIPC. Services offered through Avenue Securities Banco de Investimento S.A. See all important investment notices: https://avenue.us/termos/. Keep in mind that there is no guarantee that any strategy will be successful or profitable, nor will it protect against a loss. Any information is not a complete summary or statement of all available data necessary to make an investment decision and does not constitute a recommendation. The investments mentioned may not be suitable for all investors. The content of this video is for informational purposes only, does not serve as a recommendation to buy or sell any asset in a self-managed Avenue account or any other account, and is not an offer or sale of an asset. It is also not research reports and does not serve as a basis for any investment decision. All investments involve risks and past performance of a financial product does not guarantee future results or returns. International investing involves special risks, including currency fluctuations, different financial accounting standards, and possible political and economic volatility. Any opinions are solely those of the interviewer and other interviewees and do not necessarily reflect those of Avenue Securities or its affiliates. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor results vary. Past performance is not a guarantee of future results. Exchange-traded funds (“ETFs”) are subject to market fluctuations and the risks of their underlying investments. Unlike mutual funds, ETF shares are bought and sold at a market price, which may be higher or lower than your NAV, and are not individually redeemed from the fund. Before investing in any exchange-traded fund, you should consider your investment objectives, risks, charges, and expenses. Avenue Securities is not affiliated with and does not endorse the opinions or services of Nord Wealth. 🛜 Subscribe and connect with our content:    / bmcnewstv   🖥️ Watch BM&C programming on TV: Claro TV+ – Channel 547 | Vivo TV+ – Channel 579 | Oi TV – Channel 172 | SKY+ | Samsung TV Plus – Channel 2053 | Pluto TV | Profit Nelogica | UVO TV (United States and Canada) – Channel 20 📲 WHATSAPP: https://whatsapp.com/channel/0029VaCG... 📲 https://bmcnews.com.br/ 📲 INSTAGRAM:   / bmc.news   📲 TWITTER:   / bmcnewstv   📲 LINKEDIN:   / bmcnewstv   📲 FACEBOOK:   / bmcnewstv   📲 TELEGRAM: https://t.me/bmcnews #bmcnews #bmcnewsaovivo #economy #economynews #financialmarket #investments #stockmarket #businessnews