Identification of family indebtedness in Santa Rosa-RS

• Autor(a) principal: Malheiros, Marco Antonio da Costa
• Data de Publicação: 2016
• Outros Autores: Höfler, Claudio Edilberto, Schlender, Sergio Guilherme, dos Santos, Lidiéli Neves, Warmbier, Bruna Gabriela
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: Revista Brasileira de Desenvolvimento Regional (Online)
• Texto Completo: https://ojsrevista.furb.br/ojs/index.php/rbdr/article/view/5646
• topic: factor analysis; family indebtedness; Rio Grande do Sul; sample profile.; Análisis factorial; endeudamiento familiar; perfil de la muestra; Rio Grande do Sul.; Análise fatorial; endividamento familiar; perfil amostral; Rio Grande do Sul.

In a context of overconsumption and economic crisis, consumers have committed a significant portion of their family incomes, incurring in budget imbalances and, consequently, in an increase in indebtedness. The present article aims to identify the factors that influence the process of family indebtedness of the municipality of Santa Rosa, in the Brazilian Southern State of Rio Grande do Sul. We did a sample profile analysis and a factor analysis, as well as T-test and ANOVA, to verify the impact of these elements on reduction of debts in 182 households during the period of November 2015 to March 2016. The factor analysis made it possible to identify the main constructs with good adequacy and extraction. Based on these factors we noted important differences in sample profile and the way families are influenced when they have overdue debts and when their debts mature in the future.JEL-Code | D14; O18; R15.