Classes A and B are more cautious

"Distinction" is a term that is not part of the vocabulary of the national financial crisis, which, in recent years, has changed not only the habits of consumers with lower purchasing power, as those who have higher income. In Minas Gerais, with the economic instability in the country, most of the citizens included in classes A and B, located on the edge of the social pyramid, also has sought to maintain a rigid planning to contain the expenses and protect themselves in the face of market fluctuations, even in a situation apparently more comfortable.

In a survey published yesterday by the Federation of Chambers of store managers in the State of Minas Gerais (FCDL-MG), performed only with consumers of the two classes, 36.7% of respondents, a majority, have stated that they will use the 13th salary to pay off debts or pay the typical commitments of January-as school registration, urban land and property tax (IPTU) and property tax of motor vehicles (IPVA)- and 24.5% intend to safeguard the money in any application or savings. The FCDL market analyst-MG, Vinícius Carlos, explains that the cautious behavior is a result of insecurity that still exists among the population regarding the current economic picture. Traditional Christmas shopping (11.2%), for example, appear in the background in terms of use of the Christmas bonus, as well as the spent the holidays (14.3%).

"The respondents pointed out that in this scenario you''re drawing, has good points, but still no major improvement of macroeconomic indicators. And with previous political crisis, they were more cautious, waiting for a definition in the environment. We are in a situation of interest, inflation reduction in landing more stable, but that still was not enough to alleviate the burden of unemployment and the fall in income, which impacts on development, "says Carlos Vinicius. According to expert analysis, the consumers of classes A and B tend to have more access to information and leverage that knowledge to organize and ensure the maintenance of their purchasing power by performing various investments.

"This planning, classes A and B are good, seeking new forms of income and purchasing power protection, whether through new investments based on a business plan or via knowledge of financial/investment products offered by financial institutions, which guarantee certain profitability able to mitigate, in average, the losses from the inflationary process. That is, stay tuned to the market, seeking information and referencing with the opportunity cost of each and their values ". Women, in comparison with the opposite sex, are with a more rigid financial planning, according to the survey. Among the targets for the 13th salary, most mining resource application points (28.9%), the payment of debts (26.7%) and the discharge of the commitments (22.2%). The men will also use the benefit of end of year application (20.4%), but are more susceptible to spending the holiday period (18.5%) and Christmas shopping (16.7%).

Smaller-ticket the two social classes, however, claim that should reduce the number of gifts for this year. However, they promise to keep the average ticket in high level Christmas. According to the survey of FCDL-MG, 31.8% of respondents will spend from 500.01 to 1,000.00 R$ R$. A curious discharged research data is that even the largest consumer purchasing power has signaled a greater willingness to try other products, brands and new products. This year, the main economic factors that impacted consumer confidence respondents were political crisis (36.3%), unemployment (16.1%) and fall of income (14.5%).