{"id":2253,"date":"2016-07-13T12:09:26","date_gmt":"2016-07-13T15:09:26","guid":{"rendered":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/?p=2253"},"modified":"2016-07-13T12:09:26","modified_gmt":"2016-07-13T15:09:26","slug":"idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado","status":"publish","type":"post","link":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/","title":{"rendered":"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado"},"content":{"rendered":"<p><em>Em of\u00edcios encaminhados \u00e0 presid\u00eancia do Senado e a C\u00e2mara dos Deputados, Instituto pede aten\u00e7\u00e3o m\u00e1xima \u00e0 Medida Provis\u00f3ria 719\/2016 que prev\u00ea\u00a0utiliza\u00e7\u00e3o do Fundo de Garantia para\u00a0concess\u00e3o do empr\u00e9stimo<\/em><\/p>\n<div>Nesta semana, o\u00a0Instituto Brasileiro de Defesa do Consumidor (Idec) encaminhou of\u00edcios\u00a0\u00e0 presid\u00eancia do Senado e a C\u00e2mara dos Deputados\u00a0para solicitar aten\u00e7\u00e3o m\u00e1xima a Medida Provis\u00f3ria n\u00ba 719\/2016. A MP, atualmente em an\u00e1lise no Congresso, autoriza que os trabalhadores do setor privado contratem o cr\u00e9dito consignado utilizando, como\u00a0garantia, at\u00e9 10% do saldo do FGTS.<\/div>\n<div><\/div>\n<div>Para o Instituto, o consumo dos recursos deste fundo n\u00e3o apresenta uma solu\u00e7\u00e3o adequada ao endividado. \u201cEmbora pare\u00e7a que o consumidor desfrutaria de algum benef\u00edcio imediato, o principal favorecido \u00e9 o sistema financeiro, que passa a ter acesso aos valores em condi\u00e7\u00f5es que o trabalhador n\u00e3o disp\u00f5e\u201d, explica a economista do Idec, Ione Amorim.<\/div>\n<div><\/div>\n<div>Com a aprova\u00e7\u00e3o da medida, o fluxo financeiro do cr\u00e9dito consignado privado poder\u00e1 atingir patamares equivalentes \u00e0s demais opera\u00e7\u00f5es de consigna\u00e7\u00e3o. O consumidor, portanto, continuar\u00e1 exposto aos mesmos riscos e ainda mais endividado.<\/div>\n<div><\/div>\n<div>Conforme ressalta Amorim, \u201coutro agravante \u00e9 que, provavelmente, o trabalhador utilizar\u00e1 o valor para quitar d\u00edvidas contra\u00eddas com taxas de juros elevadas como \u00e9 o caso dos cart\u00f5es de cr\u00e9dito, tamb\u00e9m impostas pelas institui\u00e7\u00f5es financeiras. Ou seja, nesse caso hipot\u00e9tico, os bancos ganham nas duas pontas\u201d.<\/div>\n<div><\/div>\n<div>Al\u00e9m disso, em raz\u00e3o dos descontos das parcelas serem feitos diretamente na folha de pagamento, a modalidade de cr\u00e9dito n\u00e3o revela dados de inadimpl\u00eancia, mas \u00a0contribui para o atraso de outros d\u00edvidas.<\/div>\n<div><\/div>\n<div>O Idec refor\u00e7a nos of\u00edcios\u00a0que, ao permitir o uso do FGTS como garantia de empr\u00e9stimo, acentua-se a vulnerabilidade do trabalhador diante do desemprego e do endividamento. Pelos motivos expostos, solicita m\u00e1xima urg\u00eancia nos artigos que tratam do assunto\u00a0e pede que sejam vetados tais dispositivos pelo Congresso.<\/div>\n<div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Em of\u00edcios encaminhados \u00e0 presid\u00eancia do Senado e a C\u00e2mara dos Deputados, Instituto pede aten\u00e7\u00e3o m\u00e1xima \u00e0 Medida Provis\u00f3ria 719\/2016 que prev\u00ea\u00a0utiliza\u00e7\u00e3o do Fundo de Garantia para\u00a0concess\u00e3o do empr\u00e9stimo Nesta semana, o\u00a0Instituto Brasileiro de Defesa do Consumidor (Idec) encaminhou of\u00edcios\u00a0\u00e0 presid\u00eancia do Senado e a C\u00e2mara dos Deputados\u00a0para solicitar aten\u00e7\u00e3o m\u00e1xima a Medida Provis\u00f3ria n\u00ba 719\/2016. A MP, atualmente em [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2719],"tags":[61,1768,2802,1767,1396,685,450,1009,1416,2801,686,696,2787],"class_list":["post-2253","post","type-post","status-publish","format-standard","hentry","category-servidor","tag-camara","tag-consignado","tag-consumo","tag-credito","tag-defende","tag-fgts","tag-financeiras","tag-idec","tag-instituicoes","tag-mp-7192016","tag-operacoes","tag-senado","tag-veto"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado &#8211; Blog do Servidor<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado &#8211; Blog do Servidor\" \/>\n<meta property=\"og:description\" content=\"Em of\u00edcios encaminhados \u00e0 presid\u00eancia do Senado e a C\u00e2mara dos Deputados, Instituto pede aten\u00e7\u00e3o m\u00e1xima \u00e0 Medida Provis\u00f3ria 719\/2016 que prev\u00ea\u00a0utiliza\u00e7\u00e3o do Fundo de Garantia para\u00a0concess\u00e3o do empr\u00e9stimo Nesta semana, o\u00a0Instituto Brasileiro de Defesa do Consumidor (Idec) encaminhou of\u00edcios\u00a0\u00e0 presid\u00eancia do Senado e a C\u00e2mara dos Deputados\u00a0para solicitar aten\u00e7\u00e3o m\u00e1xima a Medida Provis\u00f3ria n\u00ba 719\/2016. A MP, atualmente em [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog do Servidor\" \/>\n<meta property=\"article:published_time\" content=\"2016-07-13T15:09:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-content\/uploads\/sites\/10\/2015\/10\/avatar2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Vera Batista\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Vera Batista\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/\"},\"author\":{\"name\":\"Vera Batista\",\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/#\\\/schema\\\/person\\\/e522abf3a61711279025a7f7aeb1d513\"},\"headline\":\"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado\",\"datePublished\":\"2016-07-13T15:09:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/\"},\"wordCount\":352,\"commentCount\":0,\"keywords\":[\"C\u00e2mara\",\"consignado\",\"consumo\",\"cr\u00e9dito\",\"defende\",\"FGTS\",\"financeiras\",\"Idec\",\"institui\u00e7\u00f5es\",\"MP 719\\\/2016\",\"opera\u00e7\u00f5es\",\"Senado\",\"veto\"],\"articleSection\":[\"Servidor\"],\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/\",\"url\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/\",\"name\":\"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado &#8211; Blog do Servidor\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/#website\"},\"datePublished\":\"2016-07-13T15:09:26+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/#\\\/schema\\\/person\\\/e522abf3a61711279025a7f7aeb1d513\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/#website\",\"url\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/\",\"name\":\"Blog do Servidor\",\"description\":\"Todos os assuntos de interesse dos servidores p\u00fablicos.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/#\\\/schema\\\/person\\\/e522abf3a61711279025a7f7aeb1d513\",\"name\":\"Vera Batista\",\"url\":\"https:\\\/\\\/blogs2.correiobraziliense.com.br\\\/servidor\\\/author\\\/verabatista\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado &#8211; Blog do Servidor","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/","og_locale":"pt_BR","og_type":"article","og_title":"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado &#8211; Blog do Servidor","og_description":"Em of\u00edcios encaminhados \u00e0 presid\u00eancia do Senado e a C\u00e2mara dos Deputados, Instituto pede aten\u00e7\u00e3o m\u00e1xima \u00e0 Medida Provis\u00f3ria 719\/2016 que prev\u00ea\u00a0utiliza\u00e7\u00e3o do Fundo de Garantia para\u00a0concess\u00e3o do empr\u00e9stimo Nesta semana, o\u00a0Instituto Brasileiro de Defesa do Consumidor (Idec) encaminhou of\u00edcios\u00a0\u00e0 presid\u00eancia do Senado e a C\u00e2mara dos Deputados\u00a0para solicitar aten\u00e7\u00e3o m\u00e1xima a Medida Provis\u00f3ria n\u00ba 719\/2016. A MP, atualmente em [&hellip;]","og_url":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/","og_site_name":"Blog do Servidor","article_published_time":"2016-07-13T15:09:26+00:00","og_image":[{"width":500,"height":500,"url":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-content\/uploads\/sites\/10\/2015\/10\/avatar2.jpg","type":"image\/jpeg"}],"author":"Vera Batista","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Vera Batista","Est. tempo de leitura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/#article","isPartOf":{"@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/"},"author":{"name":"Vera Batista","@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/#\/schema\/person\/e522abf3a61711279025a7f7aeb1d513"},"headline":"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado","datePublished":"2016-07-13T15:09:26+00:00","mainEntityOfPage":{"@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/"},"wordCount":352,"commentCount":0,"keywords":["C\u00e2mara","consignado","consumo","cr\u00e9dito","defende","FGTS","financeiras","Idec","institui\u00e7\u00f5es","MP 719\/2016","opera\u00e7\u00f5es","Senado","veto"],"articleSection":["Servidor"],"inLanguage":"pt-BR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/","url":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/","name":"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado &#8211; Blog do Servidor","isPartOf":{"@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/#website"},"datePublished":"2016-07-13T15:09:26+00:00","author":{"@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/#\/schema\/person\/e522abf3a61711279025a7f7aeb1d513"},"breadcrumb":{"@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/idec-defende-veto-ao-uso-do-fgts-nas-operacoes-de-credito-consignado\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/"},{"@type":"ListItem","position":2,"name":"Idec defende veto ao uso do FGTS nas opera\u00e7\u00f5es de cr\u00e9dito consignado"}]},{"@type":"WebSite","@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/#website","url":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/","name":"Blog do Servidor","description":"Todos os assuntos de interesse dos servidores p\u00fablicos.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Person","@id":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/#\/schema\/person\/e522abf3a61711279025a7f7aeb1d513","name":"Vera Batista","url":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/author\/verabatista\/"}]}},"_links":{"self":[{"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/posts\/2253","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/comments?post=2253"}],"version-history":[{"count":1,"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/posts\/2253\/revisions"}],"predecessor-version":[{"id":2254,"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/posts\/2253\/revisions\/2254"}],"wp:attachment":[{"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/media?parent=2253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/categories?post=2253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs2.correiobraziliense.com.br\/servidor\/wp-json\/wp\/v2\/tags?post=2253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}