2024-11-27 21:08:00
At the end of the period between January and October, the consortium system recorded the highest sales volume, reaching 3.75 million shares. The growth was 7.8% above the 3.48 million recorded in those months last year. In the period, the accumulated business increased 20.3% over the previous R$ 260.51 billion, reaching R$ 313.48 billion this year, according to estimates from the economic consultancy of the Brazilian Association of Consortium Administrators (ABAC)
In parallel, the volume of active participants grew again and registered a new record in October. By adding 11.14 million active consortium members, the consortium system grew 10.8% compared to 10.05 million in the same month in 2023.
In the volume of active consortium members, there were increases in four sectors: 24.5% in real estate; 12.1% in heavy vehicles; 9.6% in motorcycles, and 9.1% in light vehicles. The sectors that saw a decline were: services, with -31.3%, and electronics and other durable movable goods, with -4.0%.
In the tenth month of the year, there was an increase in the average ticket value compared to October last year. The R$81.07 thousand verified in 2024 was 4.5% higher than the R$77.56 thousand verified a year ago.
In the sum from January to October this year, the accumulated number of consortium members covered reached 1.41 million, 3.7% higher than the 1.36 million recorded in that period in 2023.
The corresponding granting of credits to the consortium members reached R$81.07 billion in the period. They were potentially injected into the segments of the economy in which the modality is present, accounting for an additional 14.8% over the previous R$70.60 billion.
“With a second semester demonstrating strong growth in sales of quotas, deals carried out and growth in active participants, the Consortium System has been recording the confidence ratified by Brazilians in the mechanism in all sectors, as a conscious way of planning and acquiring goods or contracting of services”, says Paulo Roberto Rossi, executive president of ABAC.
When pointing out the various historical records, Rossi comments that “it is clear that decisions for the modality are the result of growing knowledge about the essence of financial education applied to the management of personal finances”, he adds.
“Considering the good attendance registered, expectations are increasingly optimistic regarding the end of the year, confirming the projections made in 2023”, concludes the president of ABAC.
The consortium in the links of the production chain
The consortium is in sectors such as motorcycles which, in just ten months of contemplation, noted the potential acquisition of one motorcycle for every two sold on the domestic market. Node automotive sectorthe possible presence was also in one in every three light vehicles sold in the country.
Another example of action can be seen in the heavy vehiclesin which the mechanism pointed out the potential of one in every three trucks traded in the automotive market, for expanding or renewing fleets in the transport sector, with emphasis on the use of equipment in agribusiness.
Nas concessions accumulated from January to October, the consortium system reached a 28.6% potential share in the automobile, utility vehicle and truck sector. In motorcycles, there was a probable participation of 37.8%, and in heavy vehicles, the ratio for trucks alone was 32.9%.
In the first nine months of this year, the real estate segment presented 16.4% of consortium members included in potential participation in a total of 495.14 thousand properties financed, including the consortium. There was approximately one property per consortium for every six sold.
“It is important to remember that many credits released when contemplated in the consortium system”, explains Paulo Roberto Rossi, executive president of ABAC, “are not transformed into goods or contracted services immediately. Thus, there are values belonging to beneficiaries in several segments that have not yet been used, which is why we continue to disclose two types of classifications: first, estimates of potential insertion of credits in the markets of each sector and then the acquisitions made”, he adds.
Acquisitions of vehicles via consortium confirm participation in sales in the domestic market
The participation of consortia, according to B3including new and pre-owned light vehicles, motorcycles, trucks and road equipment, varied from 8.1% to 32.5% among the totals in the period. Each percentage recorded consumers’ interest in the modality as a way of taking advantage of basic features such as affordable installments, interest-free, long terms, purchasing power, no retroactive charges, no IOF, among others.
Non-segment light vehiclesit was observed that, of the total, 8.1% were made with credits granted through contemplations, while 91.9% originated from financing.
In the division between new and usedit was found that 9.2% of brand new vehicles were via consortium while 90.8% were financed. In used cars, 7.9% came from the consortium and 92.1% from financing.
No two-wheel segment, it was observed that, of the volume sold in the national market, 25.9% were used from credits granted by consortium, and 74.1% came from financing.
When separating into new and used32.5% were on new motorcycles via consortium and 67.5% were through financing. In used cars, there was 7.8% through the consortium modality and 92.2% through financing.
Not segment two heavy vehicles, trucks showed that of the total sold internally, 10.5% were using credits released by a consortium and 89.5% came from financing.
In the separation between new and used, there were 8.5% of new trucks sold via consortium and 91.5% through financing. Pre-owned vehicles accounted for 12.1% via the Consortium System, while 87.9% were financed.
Still in heavy vehicles, road implements totaled 18.3% of sales through the consortium and 81.7% resulting from other lines of credit, in the domestic market.
In the analysis between new and usedthere were 16.5% of zero semi-trailers via consortium and 83.5% through various types of financing. At the same time, used cars reached 21.4% due to contemplations and 78.6% due to various loans.
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What percentage of consortium members are potentially involved in acquiring properties in Brazil during the first ten months of 2024?
At the end of the period between January and October 2024, the consortium system achieved record-breaking performance:
* **Sales Volume:** Reached 3.75 million shares, marking a 7.8% growth compared to the 3.48 million recorded in the same period of 2023 [[2]].
* **Accumulated Business:** Increased by 20.3% year-over-year, totaling R$ 313.48 billion compared to R$ 260.51 billion in the previous year [[2]].
* **Active Participants:** Surpassed 11.14 million, a 10.8% increase from 10.05 million in October 2023, setting a new record [[2]].
**Growth in Active Participants Across Sectors:**
* Real Estate: 24.5% increase
* Heavy Vehicles: 12.1% increase
* Motorcycles: 9.6% increase
* Light Vehicles: 9.1% increase
**Sectors Experiencing Declines:**
* Services: -31.3%
* Electronics and Other Durable Movable Goods: -4.0%
**Additional Highlights:**
* Average ticket value in October 2024 reached R$81,070, a 4.5% increase over October 2023’s R$77,560.
* The accumulated number of consortium members covered reached 1.41 million from January to October 2024, a 3.7% increase compared to 1.36 million in the same period in 2023.
* Total credit grants to consortium members were R$81.07 billion in the period, potentially injecting them back into the economy.
These figures indicate strong consumer confidence in the consortium system as a reliable way to plan and acquire goods or services.
Brazil is experiencing a rise in the adoption of the consortium model, specifically for purchasing motorcycles and light vehicles. During the first ten months of 2024, the consortium system is demonstrating its potential across various sectors, with estimates suggesting it contributed to:
* **Motorcycles:** One motorcycle purchased through consortium for every two motorcycles sold in the domestic market [[2]].
* **Motor Vehicles:** One in every three light vehicles sold in the country potentially financed through consortium [[2]].
* **Heavy Vehicles:** One in every three trucks traded in the automotive market likely purchased through consortium [[2]].
The consortium model’s impact on Brazil’s economy during the first ten months of 2024 is significant, representing:
* **Motor Vehicles, Utility Vehicles, and Trucks:** A potential market share of 28.6% [[2]].
* **Motorcycles:** A potential participation of 37.8% [[2]].
* **Heavy Vehicles:** A ratio of 32.9% for trucks alone [[2]].
* **Real Estate**: Approximately 16.4% of consortium members potentially involved in acquiring properties, suggesting one property financed through consortium for every six sold in the country [[2]].