The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt

Detalhes bibliográficos
Autor(a) principal: Figueira, Rebeca Formiga
Data de Publicação: 2014
Outros Autores: Pereira, Rita de Cassia de Faria
Tipo de documento: Artigo
Idioma: por
Título da fonte: REMark - Revista Brasileira de Marketing
Texto Completo: https://periodicos.uninove.br/remark/article/view/12060
Resumo: Studies in the field of marketing and society that address consumer debt are relevant for helping the consumer to preserve his/her financial health. This manuscript analyzed the antecedents of consumer debt by means of attitude towards money, attitude towards credit card, self-control, compulsive buyings, impulsive buyings, and debt propensity. Data analysis included descriptive statistics and structural equations modeling. The sample consisted of 301 respondents that provided their perceptions through a Google Docs online form. The direct influence of the attitude towards credit card on debt propensity was accepted. Some hypotheses were not confirmed, which can be explained by the specific characteristics of Brazilian consumers. Findings suggest that marketing should pay attention to the actual practices and the legislation about credit card use.
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spelling The Check is In the Mail: An Analysis of the Antecedents of Consumer DebtDevo, não Nego, Pago Quando Puder: Uma Análise dos Antecedentes do Endividamento do ConsumidorMarketing and Society; Consumer Debt; Credit Card.endividamento; comportamento do consumidor; marketing e sociedadeStudies in the field of marketing and society that address consumer debt are relevant for helping the consumer to preserve his/her financial health. This manuscript analyzed the antecedents of consumer debt by means of attitude towards money, attitude towards credit card, self-control, compulsive buyings, impulsive buyings, and debt propensity. Data analysis included descriptive statistics and structural equations modeling. The sample consisted of 301 respondents that provided their perceptions through a Google Docs online form. The direct influence of the attitude towards credit card on debt propensity was accepted. Some hypotheses were not confirmed, which can be explained by the specific characteristics of Brazilian consumers. Findings suggest that marketing should pay attention to the actual practices and the legislation about credit card use. Estudos de marketing e sociedade com a finalidade de compreender a questo do endividamento mostram-se relevantes quando contribuem efetivamente na conservao financeira do consumidor. O objetivo deste trabalho consistiu analisar os fatores condicionantes do endividamento do consumidor. Para tanto, foram investigados os seguintes constructos: atitude frente ao dinheiro, atitude com carto de crdito, autocontrole, compra compulsiva, compra impulsiva e propenso ao endividamento. Por ser uma pesquisa de cunho quantitativo, procedeu-se a anlise estatstica descritiva, psicomtrica e a anlise multivariada de modelagem de equaes estruturais (SEM). A amostra foi de 301 respondentes, com aplicao na internet pela Plataforma Googledocs. Verificou-se a aceitao da hiptese que trata da influncia direta da atitude com carto de crdito na propenso ao endividamento. Indica-se a necessidade das aes de marketing voltadas a auxiliar os consumidores quanto ao uso e regulamentos do carto de crdito. Universidade Nove de Julho - Uninove2014-11-06info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionAvaliado por ParesPeer-reviewed Articleapplication/pdfhttps://periodicos.uninove.br/remark/article/view/1206010.5585/remark.v13i5.2744ReMark - Revista Brasileira de Marketing; v. 13, n. 5 (2014): Julho - Setembro; 124-1382177-5184reponame:REMark - Revista Brasileira de Marketinginstname:Universidade Nove de Julho (UNINOVE)instacron:RBMporhttps://periodicos.uninove.br/remark/article/view/12060/5703Direitos autorais 2019 Revista Brasileira de Marketing – Remarkinfo:eu-repo/semantics/openAccessFigueira, Rebeca FormigaPereira, Rita de Cassia de Faria2019-02-19T17:43:04Zoai:https://periodicos.uninove.br:article/12060Revistahttps://periodicos.uninove.br/remarkPRIhttps://periodicos.uninove.br/remark/oaiclaudiaraac@uol.com.br || admin@revistabrasileiramarketing.org || admin@revistabrasileiramarketing.org2177-51842177-5184opendoar:2019-02-19T17:43:04REMark - Revista Brasileira de Marketing - Universidade Nove de Julho (UNINOVE)false
dc.title.none.fl_str_mv The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt
Devo, não Nego, Pago Quando Puder: Uma Análise dos Antecedentes do Endividamento do Consumidor
title The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt
spellingShingle The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt
Figueira, Rebeca Formiga
Marketing and Society; Consumer Debt; Credit Card.
endividamento; comportamento do consumidor; marketing e sociedade
title_short The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt
title_full The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt
title_fullStr The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt
title_full_unstemmed The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt
title_sort The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt
author Figueira, Rebeca Formiga
author_facet Figueira, Rebeca Formiga
Pereira, Rita de Cassia de Faria
author_role author
author2 Pereira, Rita de Cassia de Faria
author2_role author
dc.contributor.author.fl_str_mv Figueira, Rebeca Formiga
Pereira, Rita de Cassia de Faria
dc.subject.por.fl_str_mv Marketing and Society; Consumer Debt; Credit Card.
endividamento; comportamento do consumidor; marketing e sociedade
topic Marketing and Society; Consumer Debt; Credit Card.
endividamento; comportamento do consumidor; marketing e sociedade
description Studies in the field of marketing and society that address consumer debt are relevant for helping the consumer to preserve his/her financial health. This manuscript analyzed the antecedents of consumer debt by means of attitude towards money, attitude towards credit card, self-control, compulsive buyings, impulsive buyings, and debt propensity. Data analysis included descriptive statistics and structural equations modeling. The sample consisted of 301 respondents that provided their perceptions through a Google Docs online form. The direct influence of the attitude towards credit card on debt propensity was accepted. Some hypotheses were not confirmed, which can be explained by the specific characteristics of Brazilian consumers. Findings suggest that marketing should pay attention to the actual practices and the legislation about credit card use.
publishDate 2014
dc.date.none.fl_str_mv 2014-11-06
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Avaliado por Pares
Peer-reviewed Article
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://periodicos.uninove.br/remark/article/view/12060
10.5585/remark.v13i5.2744
url https://periodicos.uninove.br/remark/article/view/12060
identifier_str_mv 10.5585/remark.v13i5.2744
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://periodicos.uninove.br/remark/article/view/12060/5703
dc.rights.driver.fl_str_mv Direitos autorais 2019 Revista Brasileira de Marketing – Remark
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Direitos autorais 2019 Revista Brasileira de Marketing – Remark
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidade Nove de Julho - Uninove
publisher.none.fl_str_mv Universidade Nove de Julho - Uninove
dc.source.none.fl_str_mv ReMark - Revista Brasileira de Marketing; v. 13, n. 5 (2014): Julho - Setembro; 124-138
2177-5184
reponame:REMark - Revista Brasileira de Marketing
instname:Universidade Nove de Julho (UNINOVE)
instacron:RBM
instname_str Universidade Nove de Julho (UNINOVE)
instacron_str RBM
institution RBM
reponame_str REMark - Revista Brasileira de Marketing
collection REMark - Revista Brasileira de Marketing
repository.name.fl_str_mv REMark - Revista Brasileira de Marketing - Universidade Nove de Julho (UNINOVE)
repository.mail.fl_str_mv claudiaraac@uol.com.br || admin@revistabrasileiramarketing.org || admin@revistabrasileiramarketing.org
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