THE IMPACT OF THE INDEBTEDNESS OF MANAUARA FAMILIES ON CONSUMPTION AND QUALITY OF LIFE

This article addresses the problem of indebtedness among Brazilian families, especially in Manaus, in a scenario of high inflation, high interest rates and loss of purchasing power.The main objective of the research was to analyze how indebtedness influences the consumption habits and quality of life of Manaus families.To this end, specific objectives were defined, such as identifying the main factors of indebtedness, understanding its impact on consumer decisions and evaluating the social, economic and psychological consequences.The methodology used consisted of a 15-question questionnaire, distributed in person and online.The sample consisted of 36 participants living in different areas of the city of Manaus, the majority of whom were women aged between 26 and 35, with an income of up to two minimum salaries and completed high school.The results indicated that the majority of those interviewed have some kind of debt, mainly bank loans, informal loans and credit card use.In many cases, these debts compromise between 26% and 50% of family income.Based on the data obtained, the importance of public policies aimed at financial education, stimulating job creation and social inclusion are highlighted as ways of tackling the impacts of indebtedness on families' lives.