Pānuitanga
E māharahara ana ngā tohunga mō te huringa auau o ngā nama whai muri i te whakatikatika anō. Ko te hōtaka Desenrola, he kaupapa nā te kāwanatanga ā-ture hei whakatau nama, tērā pea ka noho hei tāwhiti mēnā kāore ngā miriona o ngā Brazili e whakahoki ana i tō rātou mana i te mākete e mōhio ki te whakahaere i ā rātou rauemi pūtea, e ai ki ngā tohunga i kōrero ki a InfoMoney.
I tōna marama whakarewatanga, i eke a Desenrola ki te R$ 9,5 piriona i roto i ngā whakaaetanga pūtea, i te Rōpū 2 anake, arā, ko ngā tāngata nama e whakatau ana i ā rātou take pēke ki ngā pēke tonu i raro i ngā tikanga rerekē, e ai ki te kōrero a te Federation Brazilian of Banks (Febraban) nō nā tata nei.
Pānuitanga
E whakamārama ana a Febraban, ko tēnei kāwai ko ngā kiritaki he nui ake i te 2 utu iti ā-ture, he iti iho i te R$ 20 mano te whiwhinga ā-marama, ā, kāore hoki rātou i roto i te Rēhita Kotahi a te Kāwanatanga Ā-ture.
Mai i te 17 o Hōngongoi ki te 18 o Here-turi-kōkā, i oti i ngā whiriwhiringa nama te 1,5 miriona whakaaetanga, ā, tata ki te 1,1 miriona kiritaki pēke i whai wāhi. Ka toro atu te whai wāhi ki te hōtaka tae noa ki te 31 o Hakihea.
Hei Mahuru, ko te wāhanga tuarua o te kaupapa e whai ana ki te āwhina i ngā kaihoko e whiwhi ana ki te rua utu iti rawa, kei roto rānei i te Rēhita Kotahi. Ko tēnei wāhanga, e kitea ana he iti ake te moni whiwhi, ka whai wāhi ki te whakatau nama tae atu ki te R$ 5 mano, he maha ngā momo nama.
Ngā Hua me te Pānga o te Kaupapa Desenrola
Pānuihia hoki: Desenrola Brasil: Ngā whiriwhiringa anō mō ngā nama i kōkiritia e ngā toa nui
“I te tīmatanga, ko te whāinga he whakaiti i te maha o te hunga kāore e utu nama. Heoi anō, he tokomaha ka neke mai i te kore utu nama ki tētahi nama hou mā te whakarite anō i ngā utu. Ko te tikanga, ka whiwhi rātou i tētahi atu here pūtea”, e whakamārama ana a Cintia Senna, he tohunga pūtea, he kaitono hoki mō te tohu kairangi i Florida Christian University (FCU).
E whakaatu ana ngā tatauranga a te Confederação Nacional do Comércio de Bens, Serviços e Turismo (CNC) i heke paku te ōrau o ngā whānau whai nama i Brazil, mai i te 78,5% i Hune ki te 78,1% i Hūrae. Koinei te hekenga tuatahi mai i Noema 2022, ā, e kī ana te CNC nā Desenrola tēnei take.
“Ki te kore he whakahaere pūtea pai me tētahi pūtea kua āta whakaritea, he tino tūponotanga ka hoki anō taua tangata, kua oti nei tana nama o mua te whakatau, ki taua āhuatanga anō nā te kore e taea e ia te whakahaere i ngā utunga hou, nā te nama rānei i ētahi atu moni”, tā Luan Correia, he mātanga matua nō Unicred mō te mātauranga pūtea.
E mea ana te kaikōkiri ōhanga a Ione Amorim, he mōrearea pea te hōtaka ki te kaihoko nā te mea e aro ana ki te tohu o te raruraru, kaua ki tōna pūtake.
“Ka whiriwhiri tika ngā tāngata me ngā pēke. He maha ngā wā, he maha ō rātou kaiwhakaputa nama, he maha ngā tuku ka whiwhi, ā, me whakatau rātou i te huarahi pai rawa atu. Nōnahea rātou i whakaritea ai mō tēnei? I whiwhi rātou i te whakarite pūtea e tika ana? Kāore tēnei huarahi ki te whakahaere nama i te whaihua”, te pātai a te mātanga, ko ia hoki te kaiārahi o Idec (Instituto Brasileiro de Defesa do Consumidor).
Ngā Wero mō te Whakahaere Pūtea me te Hiahiatanga o te Mātauranga
Nā te kore pūkenga ki te whakahaere pūtea, he tokomaha ngā kaihoko, i a rātou e whai wāhi ana ki ngā hōtaka pēnei i a Desenrola, kāore e āta tātari i ngā tuku, ā, nā te pēhitanga o te hiahia, ka whakaae ki ngā here kāore e whai hua ana.
“Nōku tata nei, i whakahaere au i tētahi kēhi e pā ana ki Desenrola: he nama R$ 3 mano tā tētahi tangata. Ko te tuku he 96 utunga, R$ 187 mō ia utunga. Tata ki te R$ 18 mano. E waru tau e utu ana i tētahi moni e ono whakareatanga ake, nā te mea he “utu taea”. I taea e ia te tatari mō te wāhanga e whai ake nei o te hōtaka, te āta aromātai rānei i te tuku, engari nā te kore whakarite, ka nui ake tana nama”, tā Ione Amorim.
Nā konei, e tautoko ana te tohunga ohaoha i te mātauranga pūtea mō te hunga e tuku nama ana. “He tokomaha i te mākete ka tuku nama, ka whakarerekē hoki i ngā whakaritenga mā te nui rawa o te utu me te whaiwhakaaro kino. Ko te hononga ki te kiritaki kei te whakahaerehia tonutia mā te whakawhirinaki haere tonu ki te nama: ka nui rawa te nama a te kiritaki, ka raru, ka whakarerekē anō i ngā whakaritenga. I ētahi āhuatanga, kāore rawa ia e taea te utu katoa i te moni”, tāna whakahē.
Pānuitanga
E ai ki a ia, me whakatū te hononga mō te wā poto. “Whakamahia te nama, utua tō nama, ā, kia rite ki te tono nama anō. Ko te kaiutu pai tūturu ko te tangata ka tīmata, ka whakaoti hoki i āna utunga”, tā Amorim.
Ka taea e te hōtaka mātauranga pūtea te whai hua ki Desenrola Brasil
E ai ki te Manatū Pūtea, ka whai akoranga mātauranga pūtea a Desenrola hei te Mahuru, mō te hunga iti rawa ngā moni whiwhi.
“He mea tino nui te akoranga kia mārama ai te hunga kua whai hua i te hōtaka me pēhea te aukati i ngā wā hou o te noho nama me ngā aukatinga nama”, tā te manatū i kī ai i tētahi pānui, kāore i whakamārama i ngā kōrero o roto, i te āhua rānei e uru ai te hunga whaikaha ki te akoranga.
E kī ana te manatū, ko Desenrola “he huarahi hei kōwhiri i te whakahou pūtea o ngā nama, kia mārama ake ai te whiriwhiringa anō me te whakanui ake i te māramatanga o te kaiwhakamahi ki tōna āhua pūtea. He momo mātauranga anō tēnei tukanga, i te mea ka mau te tangata ki taua tukanga, ā, ka whakatikatika anō i tōna āhua pūtea”.
Ahakoa ko te whāinga matua o te hōtaka ko te rōpū iti rawa ngā moni whiwhi, he hē te whakaaro ko te hunga rawa kore anake ka pāngia e te kore mātauranga pūtea.
“Me titiro noa ki te nui o ngā whakaaetanga i Desenrola i tēnei wāhanga: he tāngata whiwhi moni atu ki te R$ 20 mano, engari kei te noho nama tonu nā te kore e tika o te whakahaere i ā rātou rauemi”, tā Correia o Unicred.
He mea tika kia tohu, i waenga i te hunga tino pōhara, ka tino pā te rerekētanga i ngā taumata maha ki te pūtea. “Ka whai wāhi hoki te kore mahi, ngā raruraru hauora me te korenga o te whai wāhitanga whānui,” te kī a Senna.
He mea kino te whai nama?
Pānuihia hoki: Te Moni Matihiko Tūturu: Kei te Aromātai ngā Kāwanatanga i ngā Whakarerekētanga ki ngā Utu Painga. Kia mārama!
Kāore te whai nama i a ia anō i te mea kino. He maha ngā wā, ka taea te whakamahi i te nama hei taputapu kia tutuki ai tētahi whāinga, pēnei i te hoko whare, te whakangao rānei ki te mātauranga. Ko te take, me mōhio ki te whakahaere hauora i taua nama, kia kaua e tupu hei pōro hukarere.
“Ko te mea pai, kaua te nama e neke ake i te 30% o te moni whiwhi ā-marama a te tangata. Ki te neke ake i tērā, ka kore pea e taea te whakahaere,” te tohutohu a Correia.
“Engari, ko ngā nama i puta mai i te hiahia ki te hoko noa iho, kāore he whāinga mārama, he mea kino. He mea tino nui te mārama ki te rerekētanga i waenga i te hiahia me te matea,” te whakakapi a Senna.
