My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil
Autor(a) principal: | |
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Data de Publicação: | 2018 |
Tipo de documento: | Tese |
Idioma: | por |
Título da fonte: | Biblioteca Digital de Teses e Dissertações da ESPM |
Texto Completo: | http://tede2.espm.br/handle/tede/291 |
Resumo: | Consumer financial decision-making is an important issue around the world. The current study investigated this matter using both qualitative and quantitative approaches. Building on the concept of social capital, the qualitative study explores the financial vulnerability phenomenon in Brazil from the perspective of jeitinho—a way of getting things done by means of personal relationships. Analysis of 21 in-depth interviews provides a unique context for showing how this indigenous construct shapes marketplace and consumer practices, thus creating a mutually reinforcing cycle of financial dependency and vulnerability. A socioecological framework highlights how the interactions between personal characteristics (microsystem) and marketplace practices and social structures (meso- and macrosystems) may lead individuals to experience or avoid financial vulnerability. Values that are typical of Brazilians were also used to explain financial management behaviors, consumer resistance, and responsibility in the marketplace. Findings provide new insights for understanding financial vulnerability from a cultural perspective. It shows that consumers become indebted in order to support their relationships—sometimes using them as an excuse to justify hedonic consumption—and companies take advantage of this social reciprocity in their lending and retail practices perpetuating the cycle of dependency and vulnerability. The borrowinglending dynamic between relatives and friends is then explored in the quantitative study. The theoretical background includes discussion on materialism, consumer spending self-control, and the use of credit. A survey of 997 Brazilian adults was conducted to test two hypotheses. The evidences support that: more materialistic individuals are more likely to borrow from relatives and friends (H1) and individuals with a high level of consumer spending self-control are less likely to borrow from relatives and friends (H2). Results support the argument that both materialism and consumer spending self-control predicts borrowing behavior. Implications for public policy and suggestions for future research are then presented. |
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Ponchio, Mateus C.Wong, NancySpers, Eduardo EugênioStrehlau, Vivian IaraLopes, EvandroMazzon, José Afonso02906250333http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4463596P4Cordeiro, Rafaela Almeida2018-08-08T13:15:56Z2018-02-28Cordeiro, Rafaela Almeida. My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil. 2018. [76 f.]. Tese ( Programa de Doutorado em Administração com Concentração em Gestão Internacional) - Escola Superior de Propaganda e Marketing, [São Paulo] .http://tede2.espm.br/handle/tede/291Consumer financial decision-making is an important issue around the world. The current study investigated this matter using both qualitative and quantitative approaches. Building on the concept of social capital, the qualitative study explores the financial vulnerability phenomenon in Brazil from the perspective of jeitinho—a way of getting things done by means of personal relationships. Analysis of 21 in-depth interviews provides a unique context for showing how this indigenous construct shapes marketplace and consumer practices, thus creating a mutually reinforcing cycle of financial dependency and vulnerability. A socioecological framework highlights how the interactions between personal characteristics (microsystem) and marketplace practices and social structures (meso- and macrosystems) may lead individuals to experience or avoid financial vulnerability. Values that are typical of Brazilians were also used to explain financial management behaviors, consumer resistance, and responsibility in the marketplace. Findings provide new insights for understanding financial vulnerability from a cultural perspective. It shows that consumers become indebted in order to support their relationships—sometimes using them as an excuse to justify hedonic consumption—and companies take advantage of this social reciprocity in their lending and retail practices perpetuating the cycle of dependency and vulnerability. The borrowinglending dynamic between relatives and friends is then explored in the quantitative study. The theoretical background includes discussion on materialism, consumer spending self-control, and the use of credit. A survey of 997 Brazilian adults was conducted to test two hypotheses. The evidences support that: more materialistic individuals are more likely to borrow from relatives and friends (H1) and individuals with a high level of consumer spending self-control are less likely to borrow from relatives and friends (H2). Results support the argument that both materialism and consumer spending self-control predicts borrowing behavior. Implications for public policy and suggestions for future research are then presented.A tomada de decisão financeira do consumidor é uma questão importante em todo o mundo. Nesta pesquisa, esse tema é investigado por meio das abordagens qualitativa e quantitativa. Com base no conceito de capital social, o estudo qualitativo explora o fenômeno da vulnerabilidade financeira no Brasil sob a perspectiva do jeitinho—sob a forma de resolver situações por meio de relacionamentos pessoais. A análise de 21 entrevistas em profundidade fornece um contexto único para mostrar como o jeitinho molda o mercado e as práticas de consumo, criando um ciclo de dependência e vulnerabilidade financeira que se reforça mutuamente. A abordagem socioecológica destaca como as interações entre características pessoais (micro sistema) e práticas de mercado e estruturas sociais (meso e macro sistemas) podem levar os indivíduos a experimentar ou evitar a vulnerabilidade financeira. Os valores típicos dos brasileiros também foram utilizados para explicar comportamentos de gestão financeira, resistência e responsabilidade do consumidor no mercado. Os resultados fornecem insights para entender a vulnerabilidade financeira a partir de uma perspectiva cultural: mostrando que os consumidores se endividam para sustentar seus relacionamentos—às vezes até os usando como uma desculpa para justificar o consumo hedônico—e que as empresas aproveitam essa reciprocidade social em suas práticas de mercado, perpetuando o ciclo de dependência e vulnerabilidade. A dinâmica de empréstimos entre parentes e amigos é, então, explorada no estudo quantitativo. O quadro teórico inclui literatura sobre materialismo, autocontrole e o uso de crédito. Uma pesquisa do tipo survey com 997 brasileiros foi realizada para testar duas hipóteses. As evidências sustentam que: indivíduos mais materialistas são mais propensos a pegar dinheiro emprestado de parentes e amigos (H1) e indivíduos com alto nível de autocontrole dos gastos são menos propensos a pegar dinheiro emprestado de parentes e amigos (H2). Os resultados sugerem que tanto o materialismo quanto o autocontrole dos gastos predizem o comportamento dos empréstimos. Implicações para políticas públicas e sugestões para pesquisas futuras são apresentadas.Submitted by Adriana Alves Rodrigues (aalves@espm.br) on 2018-08-08T12:42:04Z No. of bitstreams: 1 pmdgi - rafaela almeida cordeiro.pdf: 1520532 bytes, checksum: 72a2bae766617270bf203d87a282c79f (MD5)Approved for entry into archive by Adriana Alves Rodrigues (aalves@espm.br) on 2018-08-08T12:42:44Z (GMT) No. of bitstreams: 1 pmdgi - rafaela almeida cordeiro.pdf: 1520532 bytes, checksum: 72a2bae766617270bf203d87a282c79f (MD5)Approved for entry into archive by Debora Cristina Bonfim Aquarone (deborabonfim@espm.br) on 2018-08-08T13:13:47Z (GMT) No. of bitstreams: 1 pmdgi - rafaela almeida cordeiro.pdf: 1520532 bytes, checksum: 72a2bae766617270bf203d87a282c79f (MD5)Made available in DSpace on 2018-08-08T13:15:56Z (GMT). No. of bitstreams: 1 pmdgi - rafaela almeida cordeiro.pdf: 1520532 bytes, checksum: 72a2bae766617270bf203d87a282c79f (MD5) Previous issue date: 2018-02-28application/pdfhttp://tede2.espm.br/retrieve/839/pmdgi%20-%20rafaela%20almeida%20cordeiro.pdf.jpgporEscola Superior de Propaganda e MarketingPrograma de Doutorado em Administração com Concentração em Gestão InternacionalESPMBrasilESPM::Pós-Graduação Stricto Sensucomportamento do consumidor; vulnerabilidade do consumidor; decisões financeiras; autocontrole; capital socialconsumer behavior; consumer vulnerability; financial decision-making; selfcontrol; social capitalCIENCIAS SOCIAIS APLICADAS::ADMINISTRACAOMy family and friends are worth their weight in gold: consumer financial decision-making in the context of BrazilMinha família e amigos valem seu peso em ouro: tomada de decisão financeira do consumidor no contexto do Brasilinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/doctoralThesis-7696919625011687972500500600-44551937530918523288024035432632778221info:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações da ESPMinstname:Escola Superior de Propaganda e Marketing (ESPM)instacron:ESPMLICENSElicense.txtlicense.txttext/plain; charset=utf-81912http://tede2.espm.br:8080/tede/bitstream/tede/291/1/license.txt652c58b294e08ded719d10bdbc42f8ceMD51ORIGINALpmdgi - rafaela almeida cordeiro.pdfpmdgi - rafaela almeida cordeiro.pdfapplication/pdf1520532http://tede2.espm.br:8080/tede/bitstream/tede/291/2/pmdgi+-+rafaela+almeida+cordeiro.pdf72a2bae766617270bf203d87a282c79fMD52TEXTpmdgi - rafaela almeida cordeiro.pdf.txtpmdgi - rafaela almeida cordeiro.pdf.txttext/plain158586http://tede2.espm.br:8080/tede/bitstream/tede/291/3/pmdgi+-+rafaela+almeida+cordeiro.pdf.txt99b3f05175b96e61e1094bc58425caa9MD53THUMBNAILpmdgi - rafaela almeida cordeiro.pdf.jpgpmdgi - rafaela almeida cordeiro.pdf.jpgimage/jpeg1943http://tede2.espm.br:8080/tede/bitstream/tede/291/4/pmdgi+-+rafaela+almeida+cordeiro.pdf.jpgcc73c4c239a4c332d642ba1e7c7a9fb2MD54tede/2912018-08-09 01:00:54.512oai:tede2.espm.br: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Biblioteca Digital de Teses e Dissertaçõeshttps://tede2.espm.br/http://tede2.espm.br/oai/requestacervodigital@espm.br||hribeiro@espm.bropendoar:2018-08-09T04:00:54Biblioteca Digital de Teses e Dissertações da ESPM - Escola Superior de Propaganda e Marketing (ESPM)false |
dc.title.por.fl_str_mv |
My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil |
dc.title.alternative.por.fl_str_mv |
Minha família e amigos valem seu peso em ouro: tomada de decisão financeira do consumidor no contexto do Brasil |
title |
My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil |
spellingShingle |
My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil Cordeiro, Rafaela Almeida comportamento do consumidor; vulnerabilidade do consumidor; decisões financeiras; autocontrole; capital social consumer behavior; consumer vulnerability; financial decision-making; selfcontrol; social capital CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
title_short |
My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil |
title_full |
My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil |
title_fullStr |
My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil |
title_full_unstemmed |
My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil |
title_sort |
My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil |
author |
Cordeiro, Rafaela Almeida |
author_facet |
Cordeiro, Rafaela Almeida |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Ponchio, Mateus C. |
dc.contributor.advisor-co1.fl_str_mv |
Wong, Nancy |
dc.contributor.referee1.fl_str_mv |
Spers, Eduardo Eugênio |
dc.contributor.referee2.fl_str_mv |
Strehlau, Vivian Iara |
dc.contributor.referee3.fl_str_mv |
Lopes, Evandro |
dc.contributor.referee4.fl_str_mv |
Mazzon, José Afonso |
dc.contributor.authorID.fl_str_mv |
02906250333 |
dc.contributor.authorLattes.fl_str_mv |
http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4463596P4 |
dc.contributor.author.fl_str_mv |
Cordeiro, Rafaela Almeida |
contributor_str_mv |
Ponchio, Mateus C. Wong, Nancy Spers, Eduardo Eugênio Strehlau, Vivian Iara Lopes, Evandro Mazzon, José Afonso |
dc.subject.por.fl_str_mv |
comportamento do consumidor; vulnerabilidade do consumidor; decisões financeiras; autocontrole; capital social |
topic |
comportamento do consumidor; vulnerabilidade do consumidor; decisões financeiras; autocontrole; capital social consumer behavior; consumer vulnerability; financial decision-making; selfcontrol; social capital CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
dc.subject.eng.fl_str_mv |
consumer behavior; consumer vulnerability; financial decision-making; selfcontrol; social capital |
dc.subject.cnpq.fl_str_mv |
CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
description |
Consumer financial decision-making is an important issue around the world. The current study investigated this matter using both qualitative and quantitative approaches. Building on the concept of social capital, the qualitative study explores the financial vulnerability phenomenon in Brazil from the perspective of jeitinho—a way of getting things done by means of personal relationships. Analysis of 21 in-depth interviews provides a unique context for showing how this indigenous construct shapes marketplace and consumer practices, thus creating a mutually reinforcing cycle of financial dependency and vulnerability. A socioecological framework highlights how the interactions between personal characteristics (microsystem) and marketplace practices and social structures (meso- and macrosystems) may lead individuals to experience or avoid financial vulnerability. Values that are typical of Brazilians were also used to explain financial management behaviors, consumer resistance, and responsibility in the marketplace. Findings provide new insights for understanding financial vulnerability from a cultural perspective. It shows that consumers become indebted in order to support their relationships—sometimes using them as an excuse to justify hedonic consumption—and companies take advantage of this social reciprocity in their lending and retail practices perpetuating the cycle of dependency and vulnerability. The borrowinglending dynamic between relatives and friends is then explored in the quantitative study. The theoretical background includes discussion on materialism, consumer spending self-control, and the use of credit. A survey of 997 Brazilian adults was conducted to test two hypotheses. The evidences support that: more materialistic individuals are more likely to borrow from relatives and friends (H1) and individuals with a high level of consumer spending self-control are less likely to borrow from relatives and friends (H2). Results support the argument that both materialism and consumer spending self-control predicts borrowing behavior. Implications for public policy and suggestions for future research are then presented. |
publishDate |
2018 |
dc.date.accessioned.fl_str_mv |
2018-08-08T13:15:56Z |
dc.date.issued.fl_str_mv |
2018-02-28 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/doctoralThesis |
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doctoralThesis |
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publishedVersion |
dc.identifier.citation.fl_str_mv |
Cordeiro, Rafaela Almeida. My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil. 2018. [76 f.]. Tese ( Programa de Doutorado em Administração com Concentração em Gestão Internacional) - Escola Superior de Propaganda e Marketing, [São Paulo] . |
dc.identifier.uri.fl_str_mv |
http://tede2.espm.br/handle/tede/291 |
identifier_str_mv |
Cordeiro, Rafaela Almeida. My family and friends are worth their weight in gold: consumer financial decision-making in the context of Brazil. 2018. [76 f.]. Tese ( Programa de Doutorado em Administração com Concentração em Gestão Internacional) - Escola Superior de Propaganda e Marketing, [São Paulo] . |
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openAccess |
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ESPM |
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Brasil |
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Escola Superior de Propaganda e Marketing |
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