CAGLIARI. In Sardinia trudging increases wear. The claims data in hand, a Report of the CGIA Mestre: “Over the past two years, in Italy, banks have disbursed to households and businesses nearly one hundred billion euro less. With less money available and with unemployment rising, the wear is gaining increasing ground. “
Uses. In Sardinia, Su 24,595,000 euro in loans resulting in suffering EUR 3.112 million ie 12.6 per cent, a value much too high, a sign of recession grvissima going to have an impact on the most vulnerable. The data processed by the Office of the CGIA confirms what studies announced last June, the Bank of Italy to Sardinia: “The funding to the regional economy are again reduced, confirming the continuation of the crisis. The loan demand remained weak and the credit quality has deteriorated. “
Hazards. Of course, in Sardinia, wear is not comparable to what happens in the four regions (Campania, Sicily, Calabria and Puglia) where rampant, respectively, Camorra, Mafia, and Sacra Corona N’drangheta united; but if in those four regions (to which is added the Molise) the risk is considered high, even Sardinia exceeds the parameter set by the CGIA and is classified as medium risk.
Just saving special regions of the north, Liguria, Emilia and Veneto in which the risk is very low; where the production system works. The index of the risk of usury is based on a number of parameters: unemployment, bankruptcies, the protests, the interest rates but also the complaints of extortion and usury and the ratio of bad debts and loans.
But with a warning from the Secretary of the CGIA Mestre, Bortolussi: “With the sun complaints to judicial authorities is not possible to dimension usury.”
Motivations. A push many people in a network of loan sharks is not only the economic crisis, one of the first reasons concerns the tax deadlines. For employees, however, are the financial problems that emerge even after short illness. Between spending cuts and fuel consumption low cost, the pitfalls are more and more by the payment of various taxes and duties.
Protests. In 2013, the bank loans granted to the Sardinians fell by 3.5 per cent; reduced lending to firms and to households fell by 2.2%. On the island are increasing protests (being 100 the national index, Sardinia is at 78.8), complaints to esotrsione (58.7 out of 100).
Consumption. The latter figure goes to interbreed with that, in contrast, the increase in consumer credit in Sardinia has grown much more than the national average. This trend is worrying because the drop in funding requested for the purchase of durable goods is offset by the growth in loans ‘not finalized’ and from the disposal of salary.
Revolving credit cards. It is not all: it is increasing the use of revolving credit cards (those on which there is a line of credit granted in relation to income). For example, some of the largest distribution company operating as a real financial conceding cards, When deployed inside the supermarket, leading to the payment of interest at high rate to pay for the groceries.
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August 24, 2014
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