Behavioral factors and propensity to Indebtedness: an analysis of Individuals with credit restrictions
Autor(a) principal: | |
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Data de Publicação: | 2023 |
Outros Autores: | |
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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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 info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
https://creativecommons.org/licenses/by/4.0 |
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 instname:Editora JRG instacron:JRG |
instname_str |
Editora JRG |
instacron_str |
JRG |
institution |
JRG |
reponame_str |
Revista JRG de Estudos Acadêmicos |
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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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1797068982060056576 |