{"id":6455,"date":"2025-08-08T12:17:15","date_gmt":"2025-08-08T15:17:15","guid":{"rendered":"https:\/\/wayback.com.br\/?p=6455"},"modified":"2025-08-08T12:20:09","modified_gmt":"2025-08-08T15:20:09","slug":"como-crises-e-desastres-naturais-podem-influenciar-o-mercado-de-recuperacao-de-credito","status":"publish","type":"post","link":"https:\/\/wayback.com.br\/en\/como-crises-e-desastres-naturais-podem-influenciar-o-mercado-de-recuperacao-de-credito\/","title":{"rendered":"How natural crises can influence the economy"},"content":{"rendered":"<p style=\"font-size:17px\">Events such as prolonged droughts, floods, extreme heat waves and wildfires <strong>illustrate the intensifying climate crisis<\/strong>, whose <strong>economic impacts have been worsening globally and in Brazil.<\/strong> In this scenario, the credit recovery market also feels the effects. <strong>default tends to increase<\/strong>, and the <strong>Collection strategies need to adapt to a reality marked by recurring and unpredictable crises.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile\" style=\"grid-template-columns:auto 48%\"><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center\" style=\"font-size:22px\"><strong>Impact of crises and natural disasters<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:18px\">You<strong> natural disasters cause destruction<\/strong> infrastructure disruptions, losses in agricultural production, business interruptions, and population displacement. In many cases, communities are isolated or face supply shortages.<\/p>\n<\/div><figure class=\"wp-block-media-text__media\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/arvores-arrancadas-e-detritos-da-tempestade-em-torno-de-um-complexo-de-apartamentos-urbano-1024x574.jpg\" alt=\"\" class=\"wp-image-6468 size-full\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/arvores-arrancadas-e-detritos-da-tempestade-em-torno-de-um-complexo-de-apartamentos-urbano-1024x574.jpg 1024w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/arvores-arrancadas-e-detritos-da-tempestade-em-torno-de-um-complexo-de-apartamentos-urbano-300x168.jpg 300w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/arvores-arrancadas-e-detritos-da-tempestade-em-torno-de-um-complexo-de-apartamentos-urbano-768x430.jpg 768w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/arvores-arrancadas-e-detritos-da-tempestade-em-torno-de-um-complexo-de-apartamentos-urbano-1536x861.jpg 1536w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/arvores-arrancadas-e-detritos-da-tempestade-em-torno-de-um-complexo-de-apartamentos-urbano-2048x1148.jpg 2048w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/arvores-arrancadas-e-detritos-da-tempestade-em-torno-de-um-complexo-de-apartamentos-urbano-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"655\" height=\"71\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png\" alt=\"\" class=\"wp-image-6269\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png 655w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6-300x33.png 300w\" sizes=\"(max-width: 655px) 100vw, 655px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:49% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"1024\" height=\"733\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/bela-foto-aerea-de-uma-paisagem-rural-1024x733.jpg\" alt=\"\" class=\"wp-image-6458 size-full\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/bela-foto-aerea-de-uma-paisagem-rural-1024x733.jpg 1024w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/bela-foto-aerea-de-uma-paisagem-rural-300x215.jpg 300w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/bela-foto-aerea-de-uma-paisagem-rural-768x550.jpg 768w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/bela-foto-aerea-de-uma-paisagem-rural-1536x1100.jpg 1536w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/bela-foto-aerea-de-uma-paisagem-rural-2048x1466.jpg 2048w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/bela-foto-aerea-de-uma-paisagem-rural-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center\" style=\"font-size:22px\"><strong>How they affect the economy<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:18px\">Extreme weather events <strong>cause disruptions in production chains, affect the supply of products and reduce consumption. <\/strong>This leads to a slowdown in strategic sectors of the economy, compromising indicators such as GDP, inflation, and job creation.<\/p>\n<\/div><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"655\" height=\"71\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png\" alt=\"\" class=\"wp-image-6269\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png 655w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6-300x33.png 300w\" sizes=\"(max-width: 655px) 100vw, 655px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile\" style=\"grid-template-columns:auto 49%\"><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center\" style=\"font-size:22px\"><strong>Credit recovery in times of crisis<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:18px\">With the loss of income and losses caused by extreme events, <strong>the difficulty of maintaining financial commitments grows.<\/strong> THE<strong> default increases and requires new approaches<\/strong> by the credit recovery sector. <strong>Charge responsibly<\/strong> can mean supporting the <strong>financial reorganization of those affected.<\/strong><\/p>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"609\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/secao-media-de-um-homem-usando-laptop-na-mesa-1024x609.jpg\" alt=\"\" class=\"wp-image-6461 size-full\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/secao-media-de-um-homem-usando-laptop-na-mesa-1024x609.jpg 1024w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/secao-media-de-um-homem-usando-laptop-na-mesa-300x178.jpg 300w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/secao-media-de-um-homem-usando-laptop-na-mesa-768x457.jpg 768w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/secao-media-de-um-homem-usando-laptop-na-mesa-1536x913.jpg 1536w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/secao-media-de-um-homem-usando-laptop-na-mesa-2048x1218.jpg 2048w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/secao-media-de-um-homem-usando-laptop-na-mesa-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"655\" height=\"71\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png\" alt=\"\" class=\"wp-image-6269\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png 655w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6-300x33.png 300w\" sizes=\"(max-width: 655px) 100vw, 655px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:47% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/conceito-de-desastre-natural-com-inundacao-1-1024x683.jpg\" alt=\"\" class=\"wp-image-6460 size-full\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/conceito-de-desastre-natural-com-inundacao-1-1024x683.jpg 1024w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/conceito-de-desastre-natural-com-inundacao-1-300x200.jpg 300w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/conceito-de-desastre-natural-com-inundacao-1-768x512.jpg 768w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/conceito-de-desastre-natural-com-inundacao-1-1536x1024.jpg 1536w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/conceito-de-desastre-natural-com-inundacao-1-2048x1365.jpg 2048w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/conceito-de-desastre-natural-com-inundacao-1-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center\" style=\"font-size:22px\"><strong>Current scenario of natural crises<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:18px\">In recent years, the <strong>Brazil has faced serious episodes<\/strong> climate-related. The drought in the North region in 2023, the floods in Rio Grande do Sul in 2024, and the landslides in the Southeast show that the impacts are already underway. <strong>These events cause significant human and economic losses<\/strong>, paralyze logistics chains and <strong>leave lasting marks in the affected regions.<\/strong><\/p>\n<\/div><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"655\" height=\"71\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png\" alt=\"\" class=\"wp-image-6269\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png 655w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6-300x33.png 300w\" sizes=\"(max-width: 655px) 100vw, 655px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile\"><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center\" style=\"font-size:20px\"><strong>Future trends for the economy<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:18px\">You <strong>climate risks should be considered in credit analyses and financial decisions. <\/strong>Institutions are already discussing ways to include this factor, especially in rural, real estate, and business financing.<\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:18px\">For the recovery sector, this <strong>represents a path of transformation.<\/strong> Investing in geographic data, regional solutions, and more flexible processes can <strong>make performance more strategic and efficient in the face of future crises.<\/strong><\/p>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/foto-aproximada-de-um-empresario-trabalhando-em-casa-e-fazendo-calculos-1024x683.jpg\" alt=\"\" class=\"wp-image-6463 size-full\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/foto-aproximada-de-um-empresario-trabalhando-em-casa-e-fazendo-calculos-1024x683.jpg 1024w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/foto-aproximada-de-um-empresario-trabalhando-em-casa-e-fazendo-calculos-300x200.jpg 300w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/foto-aproximada-de-um-empresario-trabalhando-em-casa-e-fazendo-calculos-768x512.jpg 768w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/foto-aproximada-de-um-empresario-trabalhando-em-casa-e-fazendo-calculos-1536x1024.jpg 1536w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/foto-aproximada-de-um-empresario-trabalhando-em-casa-e-fazendo-calculos-2048x1365.jpg 2048w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/08\/foto-aproximada-de-um-empresario-trabalhando-em-casa-e-fazendo-calculos-18x12.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"655\" height=\"71\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png\" alt=\"\" class=\"wp-image-6269\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6.png 655w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/04\/ESPACO-LINHA-SITE-WORDPRESS-6-300x33.png 300w\" sizes=\"(max-width: 655px) 100vw, 655px\" \/><\/figure>\n\n\n\n<p>Sources: World Bank, Brazilian Journal of Climatology, GIZ<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"843\" height=\"65\" src=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/03\/RODAPE-SITE.png\" alt=\"\" class=\"wp-image-6041\" srcset=\"https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/03\/RODAPE-SITE.png 843w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/03\/RODAPE-SITE-300x23.png 300w, https:\/\/wayback.com.br\/wp-content\/uploads\/2025\/03\/RODAPE-SITE-768x59.png 768w\" sizes=\"(max-width: 843px) 100vw, 843px\" \/><\/figure>","protected":false},"excerpt":{"rendered":"<p>Natural crises affect the economy. Learn more about how they manifest themselves in defaults!<\/p>","protected":false},"author":6,"featured_media":6464,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[9],"tags":[],"class_list":["post-6455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestao"],"_links":{"self":[{"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/posts\/6455","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/comments?post=6455"}],"version-history":[{"count":5,"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/posts\/6455\/revisions"}],"predecessor-version":[{"id":6473,"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/posts\/6455\/revisions\/6473"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/media\/6464"}],"wp:attachment":[{"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/media?parent=6455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/categories?post=6455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wayback.com.br\/en\/wp-json\/wp\/v2\/tags?post=6455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}