The text is practically identical to a version approved in the Senate last week, save for a provision specifically concerning the insurance sector. The bill is now subject to presidential assent, though a specific date for this has yet to be set. Mattos Filho has prepared exclusive material outlining the main aspects of the bill approved in the Senate and upheld in the House of Representatives.
Click here to read the publication. Via Mattos Filho. Data released by consultancies and research companies indicate that Black Friday sales surpassed projections in online and physical stores, marking the largest increase in four years. This performance could pave the way for more positive results during the Christmas season when retailers and industries can achieve higher profit margins. From Thursday 28 to the morning of Sunday 1, until a.
The initial projection was for a smaller increase of 9. In and , the figures fell short of expectations. In , sales in November dropped by 4.
On Friday 29 , the official Black Friday, online expansion reached 8. The study was conducted in partnership with ClearSale. This level of average spending includes segments such as fashion and food, which are less reliant on credit and less affected by recent interest rate hikes. The payment of the first installment of the 13th salary on Black Friday, a situation not seen since , partially explains the performance in both physical and digital stores.
Despite increased debt pressures on Brazilian budgets, consultants believe the stability in delinquency rates, household income gains, and the rise in formal employment in positively influenced the figures. According to the Central Bank, household credit delinquency over 12 months remains stable. Christmas will be the opportunity to capitalize and truly increase margins. As Valor previously reported last week, there were signs of improving demand since the start of the month.
