{"id":1542,"date":"2025-10-20T12:54:00","date_gmt":"2025-10-20T15:54:00","guid":{"rendered":"https:\/\/www.planocde.com.br\/?p=1542"},"modified":"2025-10-22T15:03:29","modified_gmt":"2025-10-22T18:03:29","slug":"baillie-gifford","status":"publish","type":"post","link":"https:\/\/www.planocde.com.br\/pt\/baillie-gifford\/","title":{"rendered":"BAILLIE GIFFORD"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:20px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_4  fusion-one-fourth fusion-column-first 1_4\"  style='margin-top:0px;margin-bottom:0px;width:22%; margin-right: 4%;'>\r\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"  data-bg-url=\"\">\r\n\t\t\t\t\t\t<div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.planocde.com.br\/pt\/wp-content\/uploads\/2022\/12\/86bbaf0d-627e-4c7f-a1cb-efeeebd09d75.jpg\" width=\"729\" height=\"1024\" alt=\"\" title=\"86bbaf0d-627e-4c7f-a1cb-efeeebd09d75\" class=\"img-responsive wp-image-1548\" srcset=\"https:\/\/www.planocde.com.br\/pt\/wp-content\/uploads\/2022\/12\/86bbaf0d-627e-4c7f-a1cb-efeeebd09d75-200x281.jpg 200w, https:\/\/www.planocde.com.br\/pt\/wp-content\/uploads\/2022\/12\/86bbaf0d-627e-4c7f-a1cb-efeeebd09d75-400x562.jpg 400w, https:\/\/www.planocde.com.br\/pt\/wp-content\/uploads\/2022\/12\/86bbaf0d-627e-4c7f-a1cb-efeeebd09d75-600x843.jpg 600w, https:\/\/www.planocde.com.br\/pt\/wp-content\/uploads\/2022\/12\/86bbaf0d-627e-4c7f-a1cb-efeeebd09d75.jpg 729w\" sizes=\"auto, (max-width: 800px) 100vw, 729px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div>\r\n\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_3_4  fusion-three-fourth fusion-column-last 3_4\"  style='margin-top:0px;margin-bottom:0px;width:74%'>\r\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"  data-bg-url=\"\">\r\n\t\t\t\t\t\t<div class=\"fusion-text\"><p><strong>O estudo &#8211; Inclus\u00e3o financeira no Brasil 2022<\/strong><\/p>\n<p>O estudo nasce com o objetivo de mapear os desafios de inclus\u00e3o financeira no Brasil nos \u00faltimos quatro anos. Esse per\u00edodo trouxe grandes transforma\u00e7\u00f5es para a base da pir\u00e2mide brasileira, que at\u00e9 recentemente ainda sofria dificuldades de acesso e uso de instrumentos financeiros adequados. Os 140 milh\u00f5es de pessoas pertencentes \u00e0s classes C, D e E no Brasil, que t\u00eam renda familiar per capita de at\u00e9 R$ 2.000 mensais concentravam a maior parte dos desbancarizados e dos sub-bancarizados, isto \u00e9, aqueles que, mesmo possuindo contas banc\u00e1rias, n\u00e3o as utilizavam. O estudo foi realizado em tr\u00eas partes:<\/p>\n<ul>\n<li>Revis\u00e3o da literatura e dos dados sobre acesso e uso;<\/li>\n<li>Entrevistas com especialistas na academia, no aparato do Estado e entre fintechs com foco em inclus\u00e3o;<\/li>\n<li>Aplica\u00e7\u00e3o de question\u00e1rio com uma amostra representativa nacional de 2.370 pessoas, maiores de 18 anos, de todas as classes sociais.<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div>\r\n\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box links-botoes-cases nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:20px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1  fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\r\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"  data-bg-url=\"\">\r\n\t\t\t\t\t\t<div class=\"fusion-text\"><p><strong>CONFIRA A PESQUISA NA \u00cdNTEGRA <\/strong><a href=\"https:\/\/www.planocde.com.br\/pt\/wp-content\/uploads\/2022\/12\/Relatorio_InclusaoFinanceira_PlanoCDE-compactado.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>AQUI\u00a0<\/strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-258\" src=\"https:\/\/www.planocde.com.br\/pt\/wp-content\/uploads\/2018\/09\/icone-mais.png\" alt=\"\" width=\"22\" height=\"22\" \/><\/a><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\r\n\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Inclus\u00e3o financeira no Brasil 2022<\/p>\n","protected":false},"author":2,"featured_media":1551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[5],"tags":[],"class_list":["post-1542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cases"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - 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