Most employees within the Northeast area have a notion that the Severance Pay Fund (FGTS) can be utilized to purchase their very own residence (43%), begin a enterprise (38%) and maintain their well being (22%), amongst others. plans and targets. Nonetheless, information for the Northeast area additionally present that 59% of employees have no idea the worth of their FGTS steadiness, properly above the nationwide price of 38%. Information are from an unprecedented survey in Brazil on FGTS performed by Serasa and Banco PAN in partnership with the Instituto Opinion Field. The outcomes additionally present that the area has the bottom employee understanding of the problem within the nation.
3SAIBAMAIS#Data comes from the survey “Relationship Between Brazilians and FGTS” printed this Tuesday (seventh). In keeping with the info, 89% of employees dwelling within the Northeast declare to know what the supply is and know the which means of the abbreviation “Fundo de Garantia do Tempo de Serviço”. It’s the lowest share within the nation (the South has an index of 95%, the Southeast 93%, the Midwest 92% and the North 90%). Total, Brazil has a share of 92%, three factors larger than the Northeast.
67% of these with information on the topic declare that they know how you can withdraw or withdraw the Assure Fund. The northeast index, on this case, is similar as that of the nation. As for the types of withdrawal, probably the most well-known within the area are dismissal with out trigger (72%), residence buy (65%) and anniversary (62%).
Among the many least identified are withdrawals (40%) to lend cash after finishing 70 years or extra (43%) and retirement (52%). On this regard, the Northeast can also be following the nationwide state of affairs. One other survey information reveals that 54% declared balances of as much as R$2,500.
On the nationwide scene, the survey indicated that 92% of employees claimed to know what FGTS was, however the figures on developments on the topic present that this info remains to be superficial. In keeping with the analysis, for instance, 4 out of 10 employees (38%) have no idea how a lot is within the FGTS steadiness. Nonetheless, 8 out of 10 (84%) folks know that it’s doable to examine their steadiness (6 out of 10 or 62% know the present steadiness quantity).
Amongst these within the know, 40% declare it is as much as R$1,000, and 11% declare it is between R$1,000 and R$2,500. Total, 16% didn’t know the potential for consulting the FGTS steadiness, and 22% had no thought of the present worth though they knew. The survey additionally detailed Brazilians’ information of how to withdraw or withdraw cash from the Assure Fund. The space on the theme was even larger on this respect: 33% mentioned they didn’t know how you can attain steadiness.
83% of employees entitled to withdraw have already completed so, indicating that a lot of what’s identified in regards to the situation is predicated on their very own expertise. The examine additionally examined Brazilians’ information of conditions wherein it’s doable to withdraw FGTS. The survey offered individuals with eight strategies and requested in the event that they knew whether or not they have been allowed to withdraw by means of every.
Employees may reply “it’s doable to withdraw”; “can’t be withdrawn”; “I did not realize it was doable” or “I am undecided”. The scenario that obtained the “withdrawal” choice probably the most (75%) was “when dismissed”.
happens for no motive”. Then got here the scenario of “shopping for one’s personal home” with a constructive response to withdrawal from 71% of the interviewees. The speed of those that mentioned that it’s doable to withdraw cash within the month of the worker’s birthday was 61%.
“These three strategies are the perfect identified and what they’ve in widespread is that workers usually expertise them in a roundabout way or are extremely communicated by the press, banks and monetary establishments. In different phrases, as a result of there’s plenty of discuss it, folks know it is doable to money out this manner,” explains Felipe Schepers, CEO of Opinion Field. However, there are two methods Brazilians know little or no: after age 70 (solely 42% find out about this risk of withdrawal) and; get a mortgage (solely 36% know).
FGTS can assist repay money owed
Within the pattern of respondents, 36% have an overdue account. Of those, 34% owed as much as R$1,000 and 25% owed between R$1,000 and R$2,500. Because of this, Felipe Schapers of Opinion Field factors out that the Assure Fund might cowl a few of these prices. “In all probability, this steadiness of the employee’s FGTS might get rid of a debt,” Schepers evaluates.
Matheus Moura, Advertising Director of Serasa, emphasizes that 65.69 million in default within the nation in March is the very best degree since April 2020. On this context, he analyzes that the Assure Fund performs an essential function for Brazilians.
“FGTS is a Brazilian useful resource that has an important function to play this 12 months, particularly with the emergency withdrawal. The query requested is: after it is over [o saque emergencial]How can Brazilians use FGTS? There are a number of methods to make use of it, and this analysis is attention-grabbing in that it sheds gentle on the topic. Nonetheless, we’ve obtained very attention-grabbing information, a few of that are already as we anticipated”, emphasizes Matheus Moura.
The survey additionally reveals that 39% perceive that FGTS is a secure harbor and subsequently shall be protected sooner or later, 33% neither agree nor disagree, and 28% disagree. One other deduction that must be emphasised within the analysis is said to the usage of the Assure Fund.
In keeping with employees’ notion, the steadiness assured by the regulation can be utilized to attain sure plans and targets, reminiscent of shopping for a home (45%), beginning a enterprise (33%), taking good care of well being (20%), paying off money owed. (17%) and journey overseas (17%).
Additionally, 14% mentioned that FGTS may very well be used to purchase automobiles, 11% mentioned they’d use it to vary automobiles, 10% mentioned they needed to clear their identify, and 10% mentioned this quantity may very well be used to reside exterior of Brazil. Those that assume that the steadiness will be deposited to vary professions are 8%; graduating (8%), beginning college (6%); end college (6%); getting married (5%) and; having kids (4%).