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Buy today, pay tomorrow: formal credit supply and domestic electrical and electronic goods consumption in São Paulo's urban periphery

Lopes Dos Santos, Kaue and Ferreira, João Sette Whitaker (2023) Buy today, pay tomorrow: formal credit supply and domestic electrical and electronic goods consumption in São Paulo's urban periphery. Bulletin of Latin American Research, 42 (1). 131 - 147. ISSN 0261-3050

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Identification Number: 10.1111/blar.13317

Abstract

Since the beginning of the twenty-first century, expansion of the formal credit supply in Brazil has promoted the ‘financial inclusion’ of the low-income population, especially through instalment plans offered by large retail chains. This article aims to analyse the impacts of formal credit availability on the consumption of electrical and electronic goods by residents of Jardim Helena, a neighbourhood in São Paulo's periphery. Through the collection and analysis of qualitative and quantitative data, this study reveals how the instalment plan can stimulate consumption among the low-income population, with a significant impact on household budgets, raising the risk of indebtedness.

Item Type: Article
Official URL: https://onlinelibrary.wiley.com/journal/14709856
Additional Information: © 2021 Society for Latin American Studies.
Divisions: IGA: Latin America and Caribbean Centre
Subjects: H Social Sciences > HD Industries. Land use. Labor
H Social Sciences > HB Economic Theory
Date Deposited: 11 Mar 2022 15:21
Last Modified: 02 Jun 2024 17:30
URI: http://eprints.lse.ac.uk/id/eprint/114332

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