Redução do endividamento pessoal: um desafio aceito na Marinha do Brasil

Abstract

Despite the importance of credit to the economy, the indebtedness levels of the Brazilian population have grown in recent decades, as a side effect of public policies implemented. Considering the relevance of the main and subsidiary responsibilities of the Brazilian Navy, imposed by the Constitution and other legal diplomas, the main objective of this study is to assess if the indebtedness of the military personnel in the Naval Force can impact on the activities performed by the institution. The methodology used included conducting bibliographic research in books, laws, articles and dissertations and documentary research, mainly in the Brazilian Navy, on websites of the Central Bank of Brazil and the United States Department of Defense. The study addresses debt in Brazil, highlighting its relationship with consumption and credit, as well as its main causes. It also presents a recent economic portrait of Brazilian families and the public policies and strategies adopted at the national level, related to both indebtedness and its fight. With regard to the indebtedness of military personnel in the Brazilian Navy, the study presents some specific causes related to naval culture, the quantitative assessment of personal indebtedness in the institution, the potential qualitative effects on Naval Force activities and a discussion of policy and strategies to combat this problem, adopted or about to be in the Brazilian Navy, in the light of others, both nationally and the United States Department of Defense, chosen as a reference because it has structure and strategies focused on the financial education of its military, in order to keep the Armed Forces of that country in permanent readiness. The results of the study point to the understanding that the indebtedness of the Brazilian Navy military personnel can impact the institution's activities, with the potential to cause serious accidents or misconduct, involving major material and life losses and seriously affecting the institutional image.