2023-12-19 14:09:37
With constant growth, the Consortium System’s business reached R$293.62 billion, 25.6% above the R$233.73 billion a year ago. From January to November, sales of new quotas accumulated 3.87 million subscriptions, reaching a 6.8% increase over the 3.63 million sold in the same period in 2022. Again, the sum confirmed that there is no correlation between the growing demand for memberships and the decreasing Selic interest rate, 12.25% in November.
Active participants in the Consortium System broke a new record of 10.28 million in November. After surpassing the ten million mark in October, the modality registered a new increase, with 10.4% of the 9.31 million active consortium members.
In a total of 10.28 million consortium members, the mechanism achieved increases of 21.1% in heavy vehicles; 17.0% in real estate; 11.2% in motorcycles; 7.4% in light vehicles; 7.2% in electronics and other durable movable goods; and only a retraction of -14.3% in services.
With more than sixty years of existence, the mechanism has continued to be present in various segments of the economy, directly contributing to the growth of various sectors, in addition to enabling the achievement of personal objectives and business goals.
From January to November, considering the six main indicators of the Consortium System, four showed increases in the percentage of adhesion: real estate, with 19.9%; light vehicles, with 13.0%; motorcycles, with 4.7%, and heavy vehicles, with 2.7%. The two sectors that showed a decline were: electronics and other durable movable goods, with -56.8%; and services, with -24.0%; which, although smaller, did not interfere with the general growth of 6.8%.
In the same period, the volume of awards totaled 1.49 million quotas and exceeded the 1.38 million registered in 2022 by 8.0%.
The credits made available to the participating consortium members, combined in the eleven months of this year, showed an increase of 23.8% over the same months in 2022. R$ 77.29 billion were injected into the various market segments, where the mechanism is present, according to survey by ABAC Brazilian Association of Consortium Administrators. A year ago, the sum was R$62.45 billion.
In parallel with the constant records in active consortium members, an increase was noted in the value of the general average ticket, despite the reduction in some sectors, especially due to the large number of quotas sold having presented a value below the sectoral averages. The average ticket for November reached R$83.93 thousand, 40.0% above the R$59.95 thousand recorded in the same month last year.
When considering the behavior of the average November ticket over the last five years, there was a nominal increase of 71.3% in the evolution of the average values recorded. When discounting inflation (IPCA) of 28.71% for the period, in relation to the difference of R$ 49.00 thousand verified in November 2019, to R$ 83.93 thousand, in the same month of 2023, there was a real appreciation of 33.1%.
In the early years of the 1960s, the scenario experienced at the beginning of the automobile industry, at the time of the creation of the Consortium System, was characterized by the lack of credit lines for purchasing the first automobiles. In this way, the consortium became the alternative for the consumer. Both then and now, in addition to enabling the achievement of the consortium members’ objectives, the mechanism assists in the industrial planning of the most diverse sectors of the economy where it is present, reaffirming its contribution to the country’s economic development.
After a few years, the consortium began to be present in more sectors such as, for example, the two-wheeler sector, which, in the eleven months of 2023, considered the potential acquisition of one motorcycle for every two sold on the domestic market. In the automotive sector, the potential presence was also in one in every three light vehicles sold in the country.
Another example of participation can be seen in the heavy vehicle market, where the modality marked almost one in every three commercializations of trucks negotiated for the expansion or renewal of fleets in the transport sector, with special emphasis on use in agribusiness.
The strong presence of consortia in the Brazilian economy can be proven by the total number of credits granted. In the accumulated releases from January to November, the System reached a 35.6% potential presence in the automobile, utility vehicle and truck sector. In the case of motorcycles, there was a possible participation of 44.0%, and in the case of heavy vehicles, the ratio for trucks was 34.8% in the period.
In the real estate segment, in just ten months of this year, contemplations represented a potential 17.4% share in the total of 504.24 thousand properties financed, including resources from the Brazilian Savings and Loan System (SBPE) and consortiums. Approximately one property for every six sold.
“On the eve of the end of 2023, the Consortium System indicators in November confirm the consistent growth observed throughout the year”, says Rossi. “The growing evolution confirms that advances on past data on sales of new quotas, average ticket and, consequently, on business carried out, regardless of the increase or decrease in the interest rate percentage – with emphasis on the amounts granted and injected into the economy during contemplations -, they make it possible to estimate good prospects for December”, he projects.
For next year, considering the data released by the Situational Group of the Directorate of Macroeconomic Studies and Policies (Dimac) of Ipea, the estimate for GDP in 2024 should remain at a level of 2.0%. This forecast brings a lot of optimism to the Brazilian consumer, resulting in good economic developments for the future.
This is a national scenario that points to good macroeconomic prospects, especially due to the social incentive policies promoted by the government, such as income transfer and debt renegotiation of low-income families, which has resulted in an improvement in the purchasing power of the population. population, very positive for the country.
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