WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL
Autor(a) principal: | |
---|---|
Data de Publicação: | 2012 |
Outros Autores: | , |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | REAd (Porto Alegre. Online) |
Texto Completo: | https://seer.ufrgs.br/index.php/read/article/view/35451 |
Resumo: | The exacerbate consumption may lead many individuals to contract debts which commite a significant portion of their income and, in many cases, eventually taking into default. The default often brings with it devastating effects in both macroeconomic point of view, increasing the risk of operations and financial products, such as from the individual standpoint, affecting his social, psychological state and family life. Moreover, the bigger women participation in labor market brought greater financial independence and empowerment in decision and consequently larger power of consumption decision and at the same time, more responsibility on financial management and borrowing decisions. Thus, this study focused on the identification and analysis of factors which affect the indebtedness propensity, among women in the Rio Grande do Sul western-central mesoregion. This study proposes a structural model to determine the relationships among the women indebtedness propensity determinants of that mesoregion, considering variables which compose the constructs of SOCIAL STATUS, CONCERN, STABILITY, PLEASURE, POWER, BUDGET, ILLUSION and MATERIALISM. For this, were applied 2,500 questionnaires statistically scattered among the 31 cities which compose the mesoregion. Data were analyzed by Partial Least Squares - Path Modeling (PLS-PM) methodology. In summary, the results suggest that the construct INDEBTEDNESS is associated with SOCIAL STATUS, CONCERN and MATERIALISM, corroborating with the Behavioral Finance theories, suggesting that decisions involving borrowing go beyond the simple consumption and income relationship, i.e., there are other behavioral variables which are important in the time that individual contract debts, such as the meaning that the individual attaches to money and the materialism level. |
id |
UFRGS-13_1d5040483831ca01489493ba1b3c69bb |
---|---|
oai_identifier_str |
oai:seer.ufrgs.br:article/35451 |
network_acronym_str |
UFRGS-13 |
network_name_str |
REAd (Porto Alegre. Online) |
repository_id_str |
|
spelling |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL¿DE DÓNDE VIENE LA DEUDA FEMENINA? CONSTRUCCIÓN Y VALIDACIÓN DE UN MODELO PLS-PMDE ONDE VEM O ENDIVIDAMENTO FEMININO? CONSTRUÇÃO E VALIDAÇÃO DE UM MODELO PLS-PMEndividamentoMulheresModelo PLS-PMMaterialismoFinanças Comportamentais.IndebtednessWomenPLS-PM ModelingMaterialismBehavioral Finance.EndeudamientoMujeresPLS-PMMaterialismoFinanzasComportamiento. The exacerbate consumption may lead many individuals to contract debts which commite a significant portion of their income and, in many cases, eventually taking into default. The default often brings with it devastating effects in both macroeconomic point of view, increasing the risk of operations and financial products, such as from the individual standpoint, affecting his social, psychological state and family life. Moreover, the bigger women participation in labor market brought greater financial independence and empowerment in decision and consequently larger power of consumption decision and at the same time, more responsibility on financial management and borrowing decisions. Thus, this study focused on the identification and analysis of factors which affect the indebtedness propensity, among women in the Rio Grande do Sul western-central mesoregion. This study proposes a structural model to determine the relationships among the women indebtedness propensity determinants of that mesoregion, considering variables which compose the constructs of SOCIAL STATUS, CONCERN, STABILITY, PLEASURE, POWER, BUDGET, ILLUSION and MATERIALISM. For this, were applied 2,500 questionnaires statistically scattered among the 31 cities which compose the mesoregion. Data were analyzed by Partial Least Squares - Path Modeling (PLS-PM) methodology. In summary, the results suggest that the construct INDEBTEDNESS is associated with SOCIAL STATUS, CONCERN and MATERIALISM, corroborating with the Behavioral Finance theories, suggesting that decisions involving borrowing go beyond the simple consumption and income relationship, i.e., there are other behavioral variables which are important in the time that individual contract debts, such as the meaning that the individual attaches to money and the materialism level. El consumo exacerbado puede llevar muchas personas a contraer deudas comprometiendo una parcela significativa de sus rentas y, en muchos casos, tornándose incumplidoras. El incumplimiento tiene efectos muchas veces arrasadores tanto del punto de vista macroeconómico, aumentando el riesgo de las operaciones y productos financieros, como del punto de vista del individuo, al afectar sus relaciones sociales, su estado psicológico y su vida familiar. Por otro lado, la mayor participación de la mujer en el mercado de trabajo he traído una mayor independencia financiera y consecuentemente mayor poder en la decisión de consumo y al mismo tiempo, mayores responsabilidades sobre el gerenciamiento financiero y en las decisiones acerca de la deuda. En ese sentido, esta investigación se centró en la identificación y análisis de los factores que afectan en la propensión a la deuda, en las mujeres de la Meso región Centro Occidental Riograndense. Así, esa investigación propone un modelo estructural para explotar las relaciones entre los factores determinantes de la propensión al endeudamiento junto a las mujeres de la referida Meso región, considerando variables que componen los constructos de STATUS SOCIAL, PRECUPACIÓN, ESTABILIDAD, PLACER, PODER, PRESUPUESTO, ILUSIÓN Y MATERIALISMO. Para eso, se aplicó 2.500 cuestionarios esparcidos estadísticamente entre los 31 municipios que componen esta meso región. Los datos fueron analizados a través de la metodología Partial Least Squares – Path Modeling (PLS – PM). Sumariamente, los resultados sugieren que el constructo ENDEUDAMIENTO está vinculado a los constructos STATUS, PREOCUPACIÓN Y MATERIALISMO, confirmando las teorías de las Finanzas de Comportamiento, al sugerir que las decisiones que implican la deuda van más allá de la simple relación consumo y renta, o sea, existen otras variables de comportamiento que son importantes en la hora del individuo contraer deudas, tales como, el significado que el individuo atribuye al dinero y al nivel de materialismo. O consumo exacerbado pode levar muitos indivíduos a contraírem dívidas comprometendo uma parcela significativa de suas rendas e, em muitos casos, acabando por ser tornarem inadimplentes. A inadimplência trás consigo efeitos muitas vezes arrasadores tanto do ponto de vista macroeconômico, aumentando o risco das operações e produtos financeiros, como do ponto de vista do indivíduo, ao afetar suas relações sociais, seu estado psicológico e sua vida familiar. Por outro lado, a maior participação da mulher no mercado de trabalho trouxe uma maior independência financeira e consequentente maior poder na decisão de consumo e ao mesmo tempo, maiores responsabilidades sobre o gerenciamento financeiro e nas decisões de endividamento. Neste sentido, este estudo centrou-se na identificação e análise dos fatores que afetam na propensão ao endividamento, nas mulheres da Mesorregião Centro Ocidental Rio-grandense. Assim, este trabalho propõe um modelo estrutural para explorar as relações entre os fatores determinantes da propensão ao endividamento junto às mulheres da referida Mesorregião, considerando variáveis que compõem os construtos de Status Social, Preocupação, Estabilidade, Prazer, Poder, Orçamento, Ilusão e Materialismo. Para isso, foram aplicados 2.500 questionários espalhados estatisticamente entre os 31 municípios que compõem esta Mesorregião. Os dados foram analisados através da metodologia Partial Least Squares – Path Modeling (PLS-PM). Sumariamente, os resultados sugerem que o construto Endividamento está associado aos construtos Status, Preocupação e Materialismo, corroborando com as teorias das Finanças Comportamentais, ao sugerir que as decisões que envolvem endividamento vão além da simples relação consumo e renda, ou seja, existem outras variáveis comportamentais que são importantes na hora do indivíduo contrair dívidas, tais como, o significado que o indivíduo atribui ao dinheiro e o nível de materialismo. Universidade Federal do Rio Grande do Sul2012-11-09info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionscientific articlearticulo científicoAvaliado pelos paresartigo científicoapplication/pdfhttps://seer.ufrgs.br/index.php/read/article/view/35451Electronic Review of Administration; Vol. 18 No. 3 (2012): Issue 73 - sep/dec 2012; 718-746Revista Electrónica de Administración; Vol. 18 Núm. 3 (2012): Edición 73 - sep/dic 2012; 718-746Revista Eletrônica de Administração; v. 18 n. 3 (2012): Edição 73 - set/dez 2012; 718-7461413-23111980-4164reponame:REAd (Porto Alegre. Online)instname:Universidade Federal do Rio Grande do Sul (UFRGS)instacron:UFRGSporhttps://seer.ufrgs.br/index.php/read/article/view/35451/22988de Lima Trindade, LarissaBrutti Righi, MarceloMendes Vieira, Kelmarainfo:eu-repo/semantics/openAccess2012-11-30T02:00:00Zoai:seer.ufrgs.br:article/35451Revistahttp://seer.ufrgs.br/index.php/read/indexPUBhttps://seer.ufrgs.br/read/oaiea_read@ufrgs.br1413-23111413-2311opendoar:2012-11-30T02:00REAd (Porto Alegre. Online) - Universidade Federal do Rio Grande do Sul (UFRGS)false |
dc.title.none.fl_str_mv |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL ¿DE DÓNDE VIENE LA DEUDA FEMENINA? CONSTRUCCIÓN Y VALIDACIÓN DE UN MODELO PLS-PM DE ONDE VEM O ENDIVIDAMENTO FEMININO? CONSTRUÇÃO E VALIDAÇÃO DE UM MODELO PLS-PM |
title |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL |
spellingShingle |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL de Lima Trindade, Larissa Endividamento Mulheres Modelo PLS-PM Materialismo Finanças Comportamentais. Indebtedness Women PLS-PM Modeling Materialism Behavioral Finance. Endeudamiento Mujeres PLS-PM Materialismo Finanzas Comportamiento. |
title_short |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL |
title_full |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL |
title_fullStr |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL |
title_full_unstemmed |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL |
title_sort |
WHERE DOES THE WOMEN DEBT COME FROM? CONSTRUCTION AND VALIDATION OF A PLS-PM MODEL |
author |
de Lima Trindade, Larissa |
author_facet |
de Lima Trindade, Larissa Brutti Righi, Marcelo Mendes Vieira, Kelmara |
author_role |
author |
author2 |
Brutti Righi, Marcelo Mendes Vieira, Kelmara |
author2_role |
author author |
dc.contributor.author.fl_str_mv |
de Lima Trindade, Larissa Brutti Righi, Marcelo Mendes Vieira, Kelmara |
dc.subject.por.fl_str_mv |
Endividamento Mulheres Modelo PLS-PM Materialismo Finanças Comportamentais. Indebtedness Women PLS-PM Modeling Materialism Behavioral Finance. Endeudamiento Mujeres PLS-PM Materialismo Finanzas Comportamiento. |
topic |
Endividamento Mulheres Modelo PLS-PM Materialismo Finanças Comportamentais. Indebtedness Women PLS-PM Modeling Materialism Behavioral Finance. Endeudamiento Mujeres PLS-PM Materialismo Finanzas Comportamiento. |
description |
The exacerbate consumption may lead many individuals to contract debts which commite a significant portion of their income and, in many cases, eventually taking into default. The default often brings with it devastating effects in both macroeconomic point of view, increasing the risk of operations and financial products, such as from the individual standpoint, affecting his social, psychological state and family life. Moreover, the bigger women participation in labor market brought greater financial independence and empowerment in decision and consequently larger power of consumption decision and at the same time, more responsibility on financial management and borrowing decisions. Thus, this study focused on the identification and analysis of factors which affect the indebtedness propensity, among women in the Rio Grande do Sul western-central mesoregion. This study proposes a structural model to determine the relationships among the women indebtedness propensity determinants of that mesoregion, considering variables which compose the constructs of SOCIAL STATUS, CONCERN, STABILITY, PLEASURE, POWER, BUDGET, ILLUSION and MATERIALISM. For this, were applied 2,500 questionnaires statistically scattered among the 31 cities which compose the mesoregion. Data were analyzed by Partial Least Squares - Path Modeling (PLS-PM) methodology. In summary, the results suggest that the construct INDEBTEDNESS is associated with SOCIAL STATUS, CONCERN and MATERIALISM, corroborating with the Behavioral Finance theories, suggesting that decisions involving borrowing go beyond the simple consumption and income relationship, i.e., there are other behavioral variables which are important in the time that individual contract debts, such as the meaning that the individual attaches to money and the materialism level. |
publishDate |
2012 |
dc.date.none.fl_str_mv |
2012-11-09 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion scientific article articulo científico Avaliado pelos pares artigo científico |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://seer.ufrgs.br/index.php/read/article/view/35451 |
url |
https://seer.ufrgs.br/index.php/read/article/view/35451 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://seer.ufrgs.br/index.php/read/article/view/35451/22988 |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
Universidade Federal do Rio Grande do Sul |
publisher.none.fl_str_mv |
Universidade Federal do Rio Grande do Sul |
dc.source.none.fl_str_mv |
Electronic Review of Administration; Vol. 18 No. 3 (2012): Issue 73 - sep/dec 2012; 718-746 Revista Electrónica de Administración; Vol. 18 Núm. 3 (2012): Edición 73 - sep/dic 2012; 718-746 Revista Eletrônica de Administração; v. 18 n. 3 (2012): Edição 73 - set/dez 2012; 718-746 1413-2311 1980-4164 reponame:REAd (Porto Alegre. Online) instname:Universidade Federal do Rio Grande do Sul (UFRGS) instacron:UFRGS |
instname_str |
Universidade Federal do Rio Grande do Sul (UFRGS) |
instacron_str |
UFRGS |
institution |
UFRGS |
reponame_str |
REAd (Porto Alegre. Online) |
collection |
REAd (Porto Alegre. Online) |
repository.name.fl_str_mv |
REAd (Porto Alegre. Online) - Universidade Federal do Rio Grande do Sul (UFRGS) |
repository.mail.fl_str_mv |
ea_read@ufrgs.br |
_version_ |
1799766201822347264 |