Caixa Econômica Federal paid emergency aid to 67.7 million Brazilians. Of the 48 million who were not part of Bolsa Família, 33 million had no bank account before the pandemic, confirmed Caixa’s president, Pedro Guimarães.
Thus, to ensure receipt of benefit amounts, the bank had to create accounts in the digital model.
“Agent managed to generate 33 million new customers, from the point of view of social and digital insertion. They are free accounts, through which it is possible to make transfers, bill payments, bill payments. And they will continue to be valid after the pandemic, being able to withdraw at the ATMs. That is, the citizen can basically do everything. Only if there is a lot of consumption, will you start paying normal rates, since this account was created with the hypothesis that the public is more humble people ”, declared the bank’s president.
Also, according to Guimarães, the acceleration of banking services was only possible due to the flexibility in data collection, approved by the Central Bank during the pandemic. These changes also make it possible to launch a microcredit program at the bank in 2021.
“Microcredit was a project that we were working on even before the pandemic. But the discussion we had internally was that it would not be economically possible and profitable to carry out loan transactions of R $ 100 or R $ 200 using our branch base, nor the lottery. The only way was via an application, which we ended up developing now. So the question of the solution via digital accounts accelerated the main project we had at Caixa in years, ”said Guimarães.
The president said that the new program is expected to reach the public in February or March next year.
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“These people, before, when they needed money, took it out with loan sharks or finance companies, with interest of up to 20% per month. After the pandemic, we will launch a large microcredit program, using this digital account, and place it for a small fraction of what was charged before these people. It will be something very different, ”he concluded.
See how many installments you will receive in the extension of the aid
The extra installments of emergency aid in the amount of R $ 300 they are valid only for beneficiaries who are already receiving the benefit of R $ 600. However, the number of installments depends on when the worker, who is not part of Bolsa Família, started receiving the benefit in the initial amount.
The new installments in the amount of R $ 300 begin to be paid only after the completion of the initial five installments of R $ 600. New registrations will not be made, therefore, only those who have been approved for the installments of R $ 600 will be able to receive the extra installments.
The total amount of installments that the citizen will be entitled to will depend on when she started receiving the aid. The maximum is nine installments, the first five being R $ 600 and the last four being R $ 300.
- Who received the 1st installment in April: 9 plots
- Who received the 1st installment in May: 8 installments
- Who received the 1st installment in June: 7 installments
- Who received the 1st installment in July: 6 installments
- Who received the last installment of R $ 600 in August: will receive 4 installments of R $ 300 in September, October, November and December;
- Who received the last installment of R $ 600 in September: will receive 3 installments of R $ 300 in October, November and December;
- Who received the last installment of R $ 600 in October: will receive 2 installments of R $ 300 in the months of November and December;
- Who received the last installment of R $ 600 in November: will receive only 1 installment of R $ 300, in December.
See also: Know what will be paid IN THIS week of R $ 300 and R $ 600 aid