Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions

Detalhes bibliográficos
Autor(a) principal: Tristão, Pâmela Amado
Data de Publicação: 2023
Outros Autores: Manganeli, Naíse da Silva
Tipo de documento: Artigo
Idioma: por
Título da fonte: Revista JRG de Estudos Acadêmicos
Texto Completo: http://revistajrg.com/index.php/jrg/article/view/653
Resumo: The high levels of indebtedness and the constant restrictions that affect the financial condition of individuals have motivated studies aimed at identifying the generating aspects of these events. In this sense, the present study aimed to analyze the influence of behavioral factors on the propensity to indebtedness of individuals with credit restrictions in a city in the central region of Rio Grande do Sul. A survey-type quantitative research was carried out with 60 individuals with credit restrictions. Data were collected through a structured questionnaire, organized into three blocks related to socioeconomic profile, personal finances and behavioral factors associated with indebtedness. Unfavorable results were highlighted in the analysis of the financial situation of those surveyed, such as the occurrence of expenses greater than monthly income, with credit cards and store booklets representing the main types of debt contracted. In general, the results obtained indicated the lack of planning and materialism as determining factors in the propensity for individuals to become indebted.
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spelling Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions Fatores comportamentais e propensão ao endividamento: uma análise dos indivíduos com restrição de crédito Finanças ComportamentaisVariáveis comportamentaisEndividamentoRestrição de créditoBehavioral FinanceBehavioral VariablesIndebtednessCredit restrictionThe high levels of indebtedness and the constant restrictions that affect the financial condition of individuals have motivated studies aimed at identifying the generating aspects of these events. In this sense, the present study aimed to analyze the influence of behavioral factors on the propensity to indebtedness of individuals with credit restrictions in a city in the central region of Rio Grande do Sul. A survey-type quantitative research was carried out with 60 individuals with credit restrictions. Data were collected through a structured questionnaire, organized into three blocks related to socioeconomic profile, personal finances and behavioral factors associated with indebtedness. Unfavorable results were highlighted in the analysis of the financial situation of those surveyed, such as the occurrence of expenses greater than monthly income, with credit cards and store booklets representing the main types of debt contracted. In general, the results obtained indicated the lack of planning and materialism as determining factors in the propensity for individuals to become indebted.Os elevados índices de endividamento e as constantes restrições que afetam a condição financeira dos indivíduos têm motivado a realização de estudos que visam identificar os aspectos geradores desses acontecimentos. Nesse sentido, o presente estudo teve como objetivo analisar a influência dos fatores comportamentais na propensão ao endividamento dos indivíduos com restrição de crédito em uma cidade da região central do Rio Grande do Sul. Foi realizada uma pesquisa quantitativa do tipo survey junto a 60 indivíduos com restrição de crédito. Os dados foram coletados por meio de um questionário estruturado, organizado em três blocos relativos ao perfil socioeconômico, às finanças pessoais e aos fatores comportamentais associados ao endividamento. Resultados desfavoráveis foram destacados na análise da situação financeira dos pesquisados, como a ocorrência de gastos superiores aos rendimentos mensais, sendo que o cartão de crédito e os carnês de loja representam os principais tipos de dívida contraídos. De modo geral, os resultados auferidos indicaram a falta de planejamento e o materialismo como fatores determinantes na propensão ao endividamento dos indivíduos.Editora JRG2023-06-26info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtigo avaliado pelos Paresapplication/pdfhttp://revistajrg.com/index.php/jrg/article/view/65310.5281/zenodo.8083467ark:/57118/JRG.v6i13.653JRG Journal of Academic Studies; Vol. 6 No. 13 (2023): JRG Journal of Academic Studies; 1060-1081JRG Journal of Academic Studies ; Vol. 6 Núm. 13 (2023): Revista JRG de Estudos Acadêmicos; 1060-1081JRG Journal of Academic Studies; V. 6 N. 13 (2023): Revista JRG de Estudos Acadêmicos; 1060-1081Revista JRG de Estudos Acadêmicos ; v. 6 n. 13 (2023): Revista JRG de Estudos Acadêmicos; 1060-10812595-1661ark:/57118/jrg.v6i13reponame:Revista JRG de Estudos Acadêmicosinstname:Editora JRGinstacron:JRGporhttp://revistajrg.com/index.php/jrg/article/view/653/648https://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessTristão, Pâmela AmadoManganeli, Naíse da Silva2023-08-08T19:46:26Zoai:ojs2.revistajrg.com:article/653Revistahttp://revistajrg.com/index.php/jrgPRIhttp://revistajrg.com/index.php/jrg/oaiprofessorjonas@gmail.com||2595-16612595-1661opendoar:2023-08-08T19:46:26Revista JRG de Estudos Acadêmicos - Editora JRGfalse
dc.title.none.fl_str_mv Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
Fatores comportamentais e propensão ao endividamento: uma análise dos indivíduos com restrição de crédito
title Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
spellingShingle Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
Tristão, Pâmela Amado
Finanças Comportamentais
Variáveis comportamentais
Endividamento
Restrição de crédito
Behavioral Finance
Behavioral Variables
Indebtedness
Credit restriction
title_short Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
title_full Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
title_fullStr Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
title_full_unstemmed Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
title_sort Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
author Tristão, Pâmela Amado
author_facet Tristão, Pâmela Amado
Manganeli, Naíse da Silva
author_role author
author2 Manganeli, Naíse da Silva
author2_role author
dc.contributor.author.fl_str_mv Tristão, Pâmela Amado
Manganeli, Naíse da Silva
dc.subject.por.fl_str_mv Finanças Comportamentais
Variáveis comportamentais
Endividamento
Restrição de crédito
Behavioral Finance
Behavioral Variables
Indebtedness
Credit restriction
topic Finanças Comportamentais
Variáveis comportamentais
Endividamento
Restrição de crédito
Behavioral Finance
Behavioral Variables
Indebtedness
Credit restriction
description The high levels of indebtedness and the constant restrictions that affect the financial condition of individuals have motivated studies aimed at identifying the generating aspects of these events. In this sense, the present study aimed to analyze the influence of behavioral factors on the propensity to indebtedness of individuals with credit restrictions in a city in the central region of Rio Grande do Sul. A survey-type quantitative research was carried out with 60 individuals with credit restrictions. Data were collected through a structured questionnaire, organized into three blocks related to socioeconomic profile, personal finances and behavioral factors associated with indebtedness. Unfavorable results were highlighted in the analysis of the financial situation of those surveyed, such as the occurrence of expenses greater than monthly income, with credit cards and store booklets representing the main types of debt contracted. In general, the results obtained indicated the lack of planning and materialism as determining factors in the propensity for individuals to become indebted.
publishDate 2023
dc.date.none.fl_str_mv 2023-06-26
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Artigo avaliado pelos Pares
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://revistajrg.com/index.php/jrg/article/view/653
10.5281/zenodo.8083467
ark:/57118/JRG.v6i13.653
url http://revistajrg.com/index.php/jrg/article/view/653
identifier_str_mv 10.5281/zenodo.8083467
ark:/57118/JRG.v6i13.653
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv http://revistajrg.com/index.php/jrg/article/view/653/648
dc.rights.driver.fl_str_mv https://creativecommons.org/licenses/by/4.0
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eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Editora JRG
publisher.none.fl_str_mv Editora JRG
dc.source.none.fl_str_mv JRG Journal of Academic Studies; Vol. 6 No. 13 (2023): JRG Journal of Academic Studies; 1060-1081
JRG Journal of Academic Studies ; Vol. 6 Núm. 13 (2023): Revista JRG de Estudos Acadêmicos; 1060-1081
JRG Journal of Academic Studies; V. 6 N. 13 (2023): Revista JRG de Estudos Acadêmicos; 1060-1081
Revista JRG de Estudos Acadêmicos ; v. 6 n. 13 (2023): Revista JRG de Estudos Acadêmicos; 1060-1081
2595-1661
ark:/57118/jrg.v6i13
reponame:Revista JRG de Estudos Acadêmicos
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instname_str Editora JRG
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reponame_str Revista JRG de Estudos Acadêmicos
collection Revista JRG de Estudos Acadêmicos
repository.name.fl_str_mv Revista JRG de Estudos Acadêmicos - Editora JRG
repository.mail.fl_str_mv professorjonas@gmail.com||
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