The Senate approved on Wednesday (2) the provisional measure that expands the payroll loan to all formal workers in the private sector, including employees with signed portfolio, individual microentrepreneurs (MEIs), domestic employees and rural workers. The proposal, which has been valid since March, now goes to presidential sanction and organizes the offer of payroll loans through a single channel, facilitating workers’ access.
In addition, the measure creates a new form of payroll loan for drivers and application delivery. In this mode, discounts will be made directly to the bank account of these professionals, with installments limited to 30% of the amounts received from the platforms. Hiring will depend on the existence of an agreement between application platforms and financial institutions, unlike traditional payroll, which does not require this pact.
According to the Ministry of Labor, since the launch of the program, more than R $ 14 billion have been moved in 25 million contracts, and about 63% of these operations benefited workers with income of up to four minimum wages. The proposal limits the commitment of installments to a maximum of 35% of the worker’s salary, seeking to ensure financial balance.
Among the changes approved by Congress is the maintenance of the competence of the National Social Security Council (CNPS) to define the payroll ceiling for retirees and pensioners, as well as the requirement of security mechanisms, such as biometric verification, in hiring loans. The measure also provides stimuli to financial education and mechanisms for the inspection of discounts performed by employers, with penalties in case of irregularities.
