Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family
Autor(a) principal: | |
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Data de Publicação: | 2021 |
Outros Autores: | , |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | Research, Society and Development |
Texto Completo: | https://rsdjournal.org/index.php/rsd/article/view/19389 |
Resumo: | The objective of this research was to investigate the economic impact on the beginning of the COVID-19 coronavirus pandemic on the Brazilian family. The study is characterized as quantitative and qualitative descriptive and/or exploratory. In addition, it has a field research design, using as a data collection instrument a pre-structured questionnaire with 19 objective questions, divided into two categories: (a) profile or personal data; and (b) the financial impact caused by the COVID-19 pandemic. The scoring method was used to define the indebtedness trend of individuals. From the sampling unit (n=336 respondents), the financial unpreparedness of the vast majority of respondents to face the pandemic was evident. However, a considered percentage has financial reserves for an emergency period. At the beginning of the pandemic, most of the interviewees' families had their monthly income reduced, making cuts necessary to maintain financial control. From then on, the expenses prioritized during the pandemic period would be food and health. With only two months of the beginning of isolation in Brazil, a percentage of 13.7 of respondents had incurred debt due to the needs that arose from the pandemic: 73.5% and 26.5% of these are below and above the average debt score, respectively. Interestingly, 24.1% of respondents have doubts and 4.8% do not intend to save resources for possible contingencies after this pandemic moment. Conclusively, Brazilian families are not financially prepared to face emergency situations such as a pandemic and that this lack of preparation is associated with a lack of financial education. |
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Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian familyRegresividad financiera: investigacón del impacto económico durante la pandémica COVID-19 coronavírus en la familia brasileñaRegressividade financeira: investigação do impacto econômico durante a pandemia do coronavírus COVID-19 sobre a família brasileiraCrise financeiraEducação financeiraGestão financeiraCOVID-19. Crisis financieraEducación financieraGestión financieraCOVID-19.Financial crisisFinancial educationFinancial managementCOVID-19.The objective of this research was to investigate the economic impact on the beginning of the COVID-19 coronavirus pandemic on the Brazilian family. The study is characterized as quantitative and qualitative descriptive and/or exploratory. In addition, it has a field research design, using as a data collection instrument a pre-structured questionnaire with 19 objective questions, divided into two categories: (a) profile or personal data; and (b) the financial impact caused by the COVID-19 pandemic. The scoring method was used to define the indebtedness trend of individuals. From the sampling unit (n=336 respondents), the financial unpreparedness of the vast majority of respondents to face the pandemic was evident. However, a considered percentage has financial reserves for an emergency period. At the beginning of the pandemic, most of the interviewees' families had their monthly income reduced, making cuts necessary to maintain financial control. From then on, the expenses prioritized during the pandemic period would be food and health. With only two months of the beginning of isolation in Brazil, a percentage of 13.7 of respondents had incurred debt due to the needs that arose from the pandemic: 73.5% and 26.5% of these are below and above the average debt score, respectively. Interestingly, 24.1% of respondents have doubts and 4.8% do not intend to save resources for possible contingencies after this pandemic moment. Conclusively, Brazilian families are not financially prepared to face emergency situations such as a pandemic and that this lack of preparation is associated with a lack of financial education.El objetivo de esta investigación fue investigar el impacto económico del inicio de la pandemia del coronavirus COVID-19 en la familia brasileña. El estudio se caracteriza por ser descriptivo y / o exploratorio cuantitativo y cualitativo. Además, cuenta con un diseño de investigación de campo, utilizando como instrumento de recolección de datos un cuestionario preestructurado con 19 preguntas objetivas, divididas en dos categorías: (a) perfil o datos personales; y (b) el impacto financiero causado por la pandemia de COVID-19. El método de puntuación se utilizó para definir la tendencia de endeudamiento de los individuos. A partir de la unidad de muestreo (n = 336 encuestados) fue evidente la falta de preparación financiera de la gran mayoría de los encuestados para hacer frente a la pandemia. Sin embargo, un porcentaje considerado tiene reservas financieras para un período de emergencia. Al comienzo de la pandemia, a la mayoría de las familias de los entrevistados se les redujo el ingreso mensual, lo que hizo necesarios recortes para mantener el control financiero. A partir de ese momento, los gastos priorizados durante el período pandémico serían los de alimentación y salud. Con solo dos meses del inicio del aislamiento en Brasil, un porcentaje del 13,7% de los encuestados había incurrido en deudas debido a las necesidades surgidas de la pandemia: el 73,5% y el 26,5% de estos están por debajo y por encima del puntaje promedio de deuda, respectivamente. Curiosamente, el 24,1% de los encuestados tiene dudas y el 4,8% no pretende ahorrar recursos para posibles contingencias tras este momento pandémico. En conclusión, las familias brasileñas no están preparadas financieramente para enfrentar situaciones de emergencia como una pandemia y que esta falta de preparación se asocia con la falta de educación financiera.Objetivou-se com essa pesquisa investigar o impacto econômico no início da pandemia do coronavírus COVID-19 sobre a família brasileira. O estudo caracteriza-se como quantitativo e qualitativo descritivo e/ou exploratório. Além disso, possui um delineamento de pesquisa de campo, utilizando como instrumento de coleta de dados um questionário pré-estruturado com 19 perguntas objetivas, divididas nas duas categorias: (a) perfil ou dados pessoais; e (b) o impacto financeiro causado pela pandemia do COVID-19. Utilizou-se o método de escores para definir a tendência de endividamento dos indivíduos. A partir da unidade amostral (n=336 respondentes) ficou evidente o despreparo financeiro da grande maioria dos entrevistados para o enfrentamento da pandemia. No entanto, um considerado percentual possui reservas financeiras para um período emergencial. Já no início da pandemia, grande parte das famílias dos entrevistados tiveram sua renda mensal reduzida sendo necessária a realização de cortes para manter o controle financeiro. A partir disso, as despesas priorizadas no período de pandemia seriam alimentação e saúde. Com apenas dois meses de início do isolamento no Brasil, um percentual de 13,7 dos entrevistados haviam contraído dívidas pelas necessidades que surgiram decorrentes da pandemia: 73,5% e 26,5% destes estão abaixo e acima do escore médio de endividamento, respectivamente. Curiosamente, 24,1% dos respondentes possuem dúvidas e 4,8% não pretendem economizar recursos para eventuais contingências após esse momento pandêmico. De maneira conclusiva, as famílias brasileiras não estão preparadas financeiramente para o enfrentamento de situações emergenciais como de uma pandemia e que esse despreparo está associado à falta da educação financeira.Research, Society and Development2021-08-22info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://rsdjournal.org/index.php/rsd/article/view/1938910.33448/rsd-v10i11.19389Research, Society and Development; Vol. 10 No. 11; e55101119389Research, Society and Development; Vol. 10 Núm. 11; e55101119389Research, Society and Development; v. 10 n. 11; e551011193892525-3409reponame:Research, Society and Developmentinstname:Universidade Federal de Itajubá (UNIFEI)instacron:UNIFEIporhttps://rsdjournal.org/index.php/rsd/article/view/19389/17276Copyright (c) 2021 Lizandro da Conceição Costa Melonio; Márcia Lima Santos de Cezere ; Wemerson de Castro Oliveirahttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessMelonio, Lizandro da Conceição Costa Cezere , Márcia Lima Santos de Oliveira, Wemerson de Castro 2021-10-23T19:01:11Zoai:ojs.pkp.sfu.ca:article/19389Revistahttps://rsdjournal.org/index.php/rsd/indexPUBhttps://rsdjournal.org/index.php/rsd/oairsd.articles@gmail.com2525-34092525-3409opendoar:2024-01-17T09:39:17.589221Research, Society and Development - Universidade Federal de Itajubá (UNIFEI)false |
dc.title.none.fl_str_mv |
Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family Regresividad financiera: investigacón del impacto económico durante la pandémica COVID-19 coronavírus en la familia brasileña Regressividade financeira: investigação do impacto econômico durante a pandemia do coronavírus COVID-19 sobre a família brasileira |
title |
Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family |
spellingShingle |
Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family Melonio, Lizandro da Conceição Costa Crise financeira Educação financeira Gestão financeira COVID-19. Crisis financiera Educación financiera Gestión financiera COVID-19. Financial crisis Financial education Financial management COVID-19. |
title_short |
Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family |
title_full |
Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family |
title_fullStr |
Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family |
title_full_unstemmed |
Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family |
title_sort |
Financial regressivity: investigating the economic impact during the COVID-19 coronavirus pandemic on the brazilian family |
author |
Melonio, Lizandro da Conceição Costa |
author_facet |
Melonio, Lizandro da Conceição Costa Cezere , Márcia Lima Santos de Oliveira, Wemerson de Castro |
author_role |
author |
author2 |
Cezere , Márcia Lima Santos de Oliveira, Wemerson de Castro |
author2_role |
author author |
dc.contributor.author.fl_str_mv |
Melonio, Lizandro da Conceição Costa Cezere , Márcia Lima Santos de Oliveira, Wemerson de Castro |
dc.subject.por.fl_str_mv |
Crise financeira Educação financeira Gestão financeira COVID-19. Crisis financiera Educación financiera Gestión financiera COVID-19. Financial crisis Financial education Financial management COVID-19. |
topic |
Crise financeira Educação financeira Gestão financeira COVID-19. Crisis financiera Educación financiera Gestión financiera COVID-19. Financial crisis Financial education Financial management COVID-19. |
description |
The objective of this research was to investigate the economic impact on the beginning of the COVID-19 coronavirus pandemic on the Brazilian family. The study is characterized as quantitative and qualitative descriptive and/or exploratory. In addition, it has a field research design, using as a data collection instrument a pre-structured questionnaire with 19 objective questions, divided into two categories: (a) profile or personal data; and (b) the financial impact caused by the COVID-19 pandemic. The scoring method was used to define the indebtedness trend of individuals. From the sampling unit (n=336 respondents), the financial unpreparedness of the vast majority of respondents to face the pandemic was evident. However, a considered percentage has financial reserves for an emergency period. At the beginning of the pandemic, most of the interviewees' families had their monthly income reduced, making cuts necessary to maintain financial control. From then on, the expenses prioritized during the pandemic period would be food and health. With only two months of the beginning of isolation in Brazil, a percentage of 13.7 of respondents had incurred debt due to the needs that arose from the pandemic: 73.5% and 26.5% of these are below and above the average debt score, respectively. Interestingly, 24.1% of respondents have doubts and 4.8% do not intend to save resources for possible contingencies after this pandemic moment. Conclusively, Brazilian families are not financially prepared to face emergency situations such as a pandemic and that this lack of preparation is associated with a lack of financial education. |
publishDate |
2021 |
dc.date.none.fl_str_mv |
2021-08-22 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://rsdjournal.org/index.php/rsd/article/view/19389 10.33448/rsd-v10i11.19389 |
url |
https://rsdjournal.org/index.php/rsd/article/view/19389 |
identifier_str_mv |
10.33448/rsd-v10i11.19389 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://rsdjournal.org/index.php/rsd/article/view/19389/17276 |
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 |
Research, Society and Development |
publisher.none.fl_str_mv |
Research, Society and Development |
dc.source.none.fl_str_mv |
Research, Society and Development; Vol. 10 No. 11; e55101119389 Research, Society and Development; Vol. 10 Núm. 11; e55101119389 Research, Society and Development; v. 10 n. 11; e55101119389 2525-3409 reponame:Research, Society and Development instname:Universidade Federal de Itajubá (UNIFEI) instacron:UNIFEI |
instname_str |
Universidade Federal de Itajubá (UNIFEI) |
instacron_str |
UNIFEI |
institution |
UNIFEI |
reponame_str |
Research, Society and Development |
collection |
Research, Society and Development |
repository.name.fl_str_mv |
Research, Society and Development - Universidade Federal de Itajubá (UNIFEI) |
repository.mail.fl_str_mv |
rsd.articles@gmail.com |
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1797052687589572608 |