ANÁLISE DOS EFEITOS NA INSTABILIDADE FINANCEIRA DE INDIVÍDUOS NA TERCEIRA IDADE: DESAFIOS ENFRENTADOS PELOS IDOSOS FRENTE À CONTRATAÇÃO DE CRÉDITOS E EMPRÉSTIMOS CONSIGNADOS

Abstract

The study addresses aging in Brazil, highlighting the definition of old age and its demographic and social implications. Peter Laslett (1989) proposes that prolonging life requires the creation of new “life maps”, dividing the cycle into four phases: childhood, adulthood, third age and fourth age. Third age is seen as a phase of personal satisfaction, contrasting with the traditional view that fulfillment is achieved in adulthood. IBGE data indicate an accelerated aging of the population, with the number of people over 65 growing significantly in recent years, while the young population decreases. This demographic change reflects an important challenge for Brazil, which needs to adapt its public policies to adequately serve the elderly. Among the main social challenges faced by the elderly are: insufficient access to specialized health services, social isolation, violence and abuse, ageism (ageism), and dependence on family members. The public health system is not prepared for the growing demand for geriatric care, and many elderly people live isolated or face violence within their families. Economic challenges include insufficient pensions, the high cost of healthcare, and the exclusion of the elderly from the job market. Many elderly people depend exclusively on retirement, which, in most cases, does not cover all basic needs. Finally, the text emphasizes the role of the State in promoting the appreciation of the elderly, ensuring the implementation of public policies that ensure the right to aging with dignity, quality of life and active participation in society. This includes reform of the health and pension systems, as well as actions to combat ageism. These challenges require an integrated response of robust and structured public policies.