Registro Completo |
Biblioteca(s): |
Embrapa Unidades Centrais. |
Data corrente: |
13/02/2015 |
Data da última atualização: |
13/02/2015 |
Autoria: |
MIOTTO, A. P. S. C.; PARENTE, J. |
Afiliação: |
ANA PAULA S. C. MIOTTO, Fundação Getúlio Vargas; JURACY PARENTE, Fundação Getúlio Vargas. |
Título: |
Antecedents and consequences of household financial management in brazilian lower-middle-class. |
Ano de publicação: |
2015 |
Fonte/Imprenta: |
Revista de Administração de Empresas, São Paulo, v. 55, n. 1, p. 50-64, jan./fev. 2015. |
Idioma: |
Inglês |
Notas: |
Forum |
Conteúdo: |
Through two complementary and exploratory studies ? one qualitative and one quantitative ? this research aims to understand the ways in which lower-middle-class families in Brazil manage their household finances. The study proposes an integrated framework that brings together various previously disconnected theoretical fragments. Based on a survey with a sample of 165 lower-middle-class female consumers of a retail company in São Paulo, we explored and tested, via a quantitative study, how antecedents such as personal characteristics affect the financial management process, as well as its consequences, either negatively as defaults or positively as savings. The model calibration and analysis were derived from a series of regression analyses. The results revealed the mediator role that financial management plays in the relationship between personal characteristics and defaults and savings. Compared to previous studies with consumers of more affluent countries, we identified peculiar findings among Brazilian lower-middle-class consumers: inadequate attention to control, weak or no focus on short- or long-range planning, widespread absence of budget surplus, and influence of critical events on episodes of default. |
Palavras-Chave: |
Brazilian lower-middle-class; Classe média baixa brasileira; Default; Gestão da finança doméstica; Household financial management; Inadimplência; Mental budget; Orçamento mental; Poupança; Savings. |
Categoria do assunto: |
-- |
Marc: |
LEADER 02051naa a2200265 a 4500 001 2008743 005 2015-02-13 008 2015 bl uuuu u00u1 u #d 100 1 $aMIOTTO, A. P. S. C. 245 $aAntecedents and consequences of household financial management in brazilian lower-middle-class. 260 $c2015 500 $aForum 520 $aThrough two complementary and exploratory studies ? one qualitative and one quantitative ? this research aims to understand the ways in which lower-middle-class families in Brazil manage their household finances. The study proposes an integrated framework that brings together various previously disconnected theoretical fragments. Based on a survey with a sample of 165 lower-middle-class female consumers of a retail company in São Paulo, we explored and tested, via a quantitative study, how antecedents such as personal characteristics affect the financial management process, as well as its consequences, either negatively as defaults or positively as savings. The model calibration and analysis were derived from a series of regression analyses. The results revealed the mediator role that financial management plays in the relationship between personal characteristics and defaults and savings. Compared to previous studies with consumers of more affluent countries, we identified peculiar findings among Brazilian lower-middle-class consumers: inadequate attention to control, weak or no focus on short- or long-range planning, widespread absence of budget surplus, and influence of critical events on episodes of default. 653 $aBrazilian lower-middle-class 653 $aClasse média baixa brasileira 653 $aDefault 653 $aGestão da finança doméstica 653 $aHousehold financial management 653 $aInadimplência 653 $aMental budget 653 $aOrçamento mental 653 $aPoupança 653 $aSavings 700 1 $aPARENTE, J. 773 $tRevista de Administração de Empresas, São Paulo$gv. 55, n. 1, p. 50-64, jan./fev. 2015.
Download
Esconder MarcMostrar Marc Completo |
Registro original: |
Embrapa Unidades Centrais (AI-SEDE) |
|