A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada
Ano de defesa: | 2022 |
---|---|
Autor(a) principal: | |
Orientador(a): | |
Banca de defesa: | |
Tipo de documento: | Dissertação |
Tipo de acesso: | Acesso aberto |
Idioma: | por |
Instituição de defesa: |
Pontif?cia Universidade Cat?lica do Rio Grande do Sul
|
Programa de Pós-Graduação: |
Programa de P?s-Gradua??o em Administra??o e Neg?cios
|
Departamento: |
Escola de Neg?cios
|
País: |
Brasil
|
Palavras-chave em Português: | |
Palavras-chave em Inglês: | |
Área do conhecimento CNPq: | |
Link de acesso: | https://tede2.pucrs.br/tede2/handle/tede/10288 |
Resumo: | Periods of economic recession directly reflect the levels of unemployment, default and indebtedness of the population. Thus, understanding behavioral factors, such as the way individuals face periods of shortage of income, can be decisive to explain financial behaviors and their relationships. In this context, the present study aims to analyze the mediating effect of frugality and impulsiveness moderated by positive affect in the relationship between income scarcity and attitude towards indebtedness and its effect on financial well-being. To this end, a survey was carried out with 148 individuals who had a shortage of income during the pandemic period. Afterwards, the data were analyzed using a set of techniques associated with Structural Equation Modeling (SEM) with the PLS-SEM approach to test nine proposed hypotheses. The results show that income scarcity, frugality and impulsiveness have significant direct effects on the attitude towards indebtedness. Frugality and impulsiveness play a mediating role in the relationship between scarcity of income and attitude towards indebtedness, being moderated by positive affect. Thus, it can be inferred that if, on the one hand, the scarcity of income is high and the positive affect is low, the individual has a lower trait of frugality and greater tendencies of impulsiveness. When income scarcity is high and positive affect is high, the individual is considered more frugal and ends up showing less impulsive behavior. In addition, the attitude towards indebtedness had a negative effect on the present and future dimensions of financial well-being. The findings provide a reflection on the importance of financial well-being for individuals, as well as the promotion of financial education and behavioral factors to face times of economic recession and financial difficulties. The study contributes to a better understanding of the explanatory mechanisms in the relationship between scarcity of income and attitude towards indebtedness. |
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Ara?jo, Cl?cio Falc?ohttp://lattes.cnpq.br/7619984860628561http://lattes.cnpq.br/9199203991634964Carvalho, Bianca Pinto2022-06-03T21:30:50Z2022-01-10https://tede2.pucrs.br/tede2/handle/tede/10288Periods of economic recession directly reflect the levels of unemployment, default and indebtedness of the population. Thus, understanding behavioral factors, such as the way individuals face periods of shortage of income, can be decisive to explain financial behaviors and their relationships. In this context, the present study aims to analyze the mediating effect of frugality and impulsiveness moderated by positive affect in the relationship between income scarcity and attitude towards indebtedness and its effect on financial well-being. To this end, a survey was carried out with 148 individuals who had a shortage of income during the pandemic period. Afterwards, the data were analyzed using a set of techniques associated with Structural Equation Modeling (SEM) with the PLS-SEM approach to test nine proposed hypotheses. The results show that income scarcity, frugality and impulsiveness have significant direct effects on the attitude towards indebtedness. Frugality and impulsiveness play a mediating role in the relationship between scarcity of income and attitude towards indebtedness, being moderated by positive affect. Thus, it can be inferred that if, on the one hand, the scarcity of income is high and the positive affect is low, the individual has a lower trait of frugality and greater tendencies of impulsiveness. When income scarcity is high and positive affect is high, the individual is considered more frugal and ends up showing less impulsive behavior. In addition, the attitude towards indebtedness had a negative effect on the present and future dimensions of financial well-being. The findings provide a reflection on the importance of financial well-being for individuals, as well as the promotion of financial education and behavioral factors to face times of economic recession and financial difficulties. The study contributes to a better understanding of the explanatory mechanisms in the relationship between scarcity of income and attitude towards indebtedness.Per?odos de recess?o econ?micas refletem diretamente nos n?veis de desemprego, inadimpl?ncia e endividamento da popula??o. Assim, compreender fatores comportamentais, como a forma que os indiv?duos encaram per?odos de escassez de renda, pode ser determinante para explicar os comportamentos financeiros e suas rela??es. Nesse contexto, o presente estudo tem por objetivo analisar o efeito mediador da frugalidade e da impulsividade moderado pelo afeto positivo na rela??o entre escassez de renda e atitude ao endividamento e o seu efeito no bem-estar financeiro. Para tanto, foi realizado uma survey com 148 indiv?duos que tiveram escassez de renda durante o per?odo da pandemia. Ap?s, os dados foram analisados atrav?s do conjunto de t?cnicas associadas ? Modelagem de Equa??es Estruturais (MEE) com a abordagem PLS-SEM para o teste de nove hip?teses propostas. Os resultados evidenciam que a escassez de renda, a frugalidade e a impulsividade apresentam efeitos diretos significativos na atitude ao endividamento. A frugalidade e impulsividade possuem um papel mediador na rela??o entre escassez de renda e atitude ao endividamento, sendo moderado pelo afeto positivo. Assim, pode-se inferir que se por um lado, a escassez de renda ? alta e o afeto positivo ? baixo, o indiv?duo apresenta menor tra?o de frugalidade e maiores tend?ncias de impulsividade. J? quando a escassez de renda ? alta e o afeto positivo ? alto, o indiv?duo ? considerado mais frugal e acaba apresentando um comportamento menos impulsivo. Al?m disso, a atitude ao endividamento apresentou um efeito negativo nas dimens?es presente e futuro do bem-estar financeiro. Os achados fornecem uma reflex?o sobre a import?ncia do bem-estar financeiro para os indiv?duos, assim como a promo??o da educa??o financeira e fatores comportamentais para enfrentar momentos de recess?o econ?mica e dificuldades financeiras. O estudo contribui para uma melhor entendimento dos mecanismos explicativos na rela??o entre escassez de renda a atitude ao endividamento.Submitted by PPG Administra??o e Neg?cios (ppgad@pucrs.br) on 2022-06-01T12:13:15Z No. of bitstreams: 1 BIANCA_CARVALHO_DIS.pdf: 2132954 bytes, checksum: 476eeedac56b331a9a9f4b4dbba6458e (MD5)Approved for entry into archive by Sarajane Pan (sarajane.pan@pucrs.br) on 2022-06-03T21:23:21Z (GMT) No. of bitstreams: 1 BIANCA_CARVALHO_DIS.pdf: 2132954 bytes, checksum: 476eeedac56b331a9a9f4b4dbba6458e (MD5)Made available in DSpace on 2022-06-03T21:30:50Z (GMT). No. of bitstreams: 1 BIANCA_CARVALHO_DIS.pdf: 2132954 bytes, checksum: 476eeedac56b331a9a9f4b4dbba6458e (MD5) Previous issue date: 2022-01-10Coordena??o de Aperfei?oamento de Pessoal de N?vel Superior - CAPESapplication/pdfhttps://tede2.pucrs.br/tede2/retrieve/184402/BIANCA_CARVALHO_DIS.pdf.jpgporPontif?cia Universidade Cat?lica do Rio Grande do SulPrograma de P?s-Gradua??o em Administra??o e Neg?ciosPUCRSBrasilEscola de Neg?ciosBem-Estar FinanceiroAtitude ao EndividamentoEscassez de RendaFrugalidadeImpulsividadeAfeto PositivoFinancial Well-BeingAttitude to IndebtednessScarcity of IncomeFrugalityImpulsive BuyingPositive AffectCIENCIAS SOCIAIS APLICADAS::ADMINISTRACAOA influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderadainfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisTrabalho n?o apresenta restri??o para publica??o-693708953863352273500500500600-402948914897423104980240354326327782213590462550136975366info:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações da PUC_RSinstname:Pontifícia Universidade Católica do Rio Grande do Sul (PUCRS)instacron:PUC_RSTHUMBNAILBIANCA_CARVALHO_DIS.pdf.jpgBIANCA_CARVALHO_DIS.pdf.jpgimage/jpeg5556https://tede2.pucrs.br/tede2/bitstream/tede/10288/4/BIANCA_CARVALHO_DIS.pdf.jpgffbfd481e661f55e25d71d46c5bc5c24MD54TEXTBIANCA_CARVALHO_DIS.pdf.txtBIANCA_CARVALHO_DIS.pdf.txttext/plain194563https://tede2.pucrs.br/tede2/bitstream/tede/10288/3/BIANCA_CARVALHO_DIS.pdf.txt2e67d3fd6246c7526a07457791fe52d9MD53ORIGINALBIANCA_CARVALHO_DIS.pdfBIANCA_CARVALHO_DIS.pdfapplication/pdf2132954https://tede2.pucrs.br/tede2/bitstream/tede/10288/2/BIANCA_CARVALHO_DIS.pdf476eeedac56b331a9a9f4b4dbba6458eMD52LICENSElicense.txtlicense.txttext/plain; charset=utf-8590https://tede2.pucrs.br/tede2/bitstream/tede/10288/1/license.txt220e11f2d3ba5354f917c7035aadef24MD51tede/102882022-06-03 20:00:19.715oai:tede2.pucrs.br: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Biblioteca Digital de Teses e Dissertaçõeshttp://tede2.pucrs.br/tede2/PRIhttps://tede2.pucrs.br/oai/requestbiblioteca.central@pucrs.br||opendoar:2022-06-03T23:00:19Biblioteca Digital de Teses e Dissertações da PUC_RS - Pontifícia Universidade Católica do Rio Grande do Sul (PUCRS)false |
dc.title.por.fl_str_mv |
A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada |
title |
A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada |
spellingShingle |
A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada Carvalho, Bianca Pinto Bem-Estar Financeiro Atitude ao Endividamento Escassez de Renda Frugalidade Impulsividade Afeto Positivo Financial Well-Being Attitude to Indebtedness Scarcity of Income Frugality Impulsive Buying Positive Affect CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
title_short |
A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada |
title_full |
A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada |
title_fullStr |
A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada |
title_full_unstemmed |
A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada |
title_sort |
A influ?ncia das rotas de escassez de renda na atitude ao endividamento : um modelo de media??o-moderada |
author |
Carvalho, Bianca Pinto |
author_facet |
Carvalho, Bianca Pinto |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Ara?jo, Cl?cio Falc?o |
dc.contributor.advisor1Lattes.fl_str_mv |
http://lattes.cnpq.br/7619984860628561 |
dc.contributor.authorLattes.fl_str_mv |
http://lattes.cnpq.br/9199203991634964 |
dc.contributor.author.fl_str_mv |
Carvalho, Bianca Pinto |
contributor_str_mv |
Ara?jo, Cl?cio Falc?o |
dc.subject.por.fl_str_mv |
Bem-Estar Financeiro Atitude ao Endividamento Escassez de Renda Frugalidade Impulsividade Afeto Positivo |
topic |
Bem-Estar Financeiro Atitude ao Endividamento Escassez de Renda Frugalidade Impulsividade Afeto Positivo Financial Well-Being Attitude to Indebtedness Scarcity of Income Frugality Impulsive Buying Positive Affect CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
dc.subject.eng.fl_str_mv |
Financial Well-Being Attitude to Indebtedness Scarcity of Income Frugality Impulsive Buying Positive Affect |
dc.subject.cnpq.fl_str_mv |
CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
description |
Periods of economic recession directly reflect the levels of unemployment, default and indebtedness of the population. Thus, understanding behavioral factors, such as the way individuals face periods of shortage of income, can be decisive to explain financial behaviors and their relationships. In this context, the present study aims to analyze the mediating effect of frugality and impulsiveness moderated by positive affect in the relationship between income scarcity and attitude towards indebtedness and its effect on financial well-being. To this end, a survey was carried out with 148 individuals who had a shortage of income during the pandemic period. Afterwards, the data were analyzed using a set of techniques associated with Structural Equation Modeling (SEM) with the PLS-SEM approach to test nine proposed hypotheses. The results show that income scarcity, frugality and impulsiveness have significant direct effects on the attitude towards indebtedness. Frugality and impulsiveness play a mediating role in the relationship between scarcity of income and attitude towards indebtedness, being moderated by positive affect. Thus, it can be inferred that if, on the one hand, the scarcity of income is high and the positive affect is low, the individual has a lower trait of frugality and greater tendencies of impulsiveness. When income scarcity is high and positive affect is high, the individual is considered more frugal and ends up showing less impulsive behavior. In addition, the attitude towards indebtedness had a negative effect on the present and future dimensions of financial well-being. The findings provide a reflection on the importance of financial well-being for individuals, as well as the promotion of financial education and behavioral factors to face times of economic recession and financial difficulties. The study contributes to a better understanding of the explanatory mechanisms in the relationship between scarcity of income and attitude towards indebtedness. |
publishDate |
2022 |
dc.date.accessioned.fl_str_mv |
2022-06-03T21:30:50Z |
dc.date.issued.fl_str_mv |
2022-01-10 |
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500 500 500 600 |
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Pontif?cia Universidade Cat?lica do Rio Grande do Sul |
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Programa de P?s-Gradua??o em Administra??o e Neg?cios |
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Escola de Neg?cios |
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Pontif?cia Universidade Cat?lica do Rio Grande do Sul |
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