The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo
Ano de defesa: | 2006 |
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Autor(a) principal: | |
Orientador(a): | |
Banca de defesa: | |
Tipo de documento: | Tese |
Tipo de acesso: | Acesso aberto |
Idioma: | eng |
Instituição de defesa: |
Não Informado pela instituição
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Programa de Pós-Graduação: |
Não Informado pela instituição
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Departamento: |
Não Informado pela instituição
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País: |
Não Informado pela instituição
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Palavras-chave em Português: | |
Palavras-chave em Inglês: | |
Link de acesso: | http://hdl.handle.net/10438/2519 |
Resumo: | This research is in the domains of materialism, consumer vulnerability and consumption indebtedness, concepts frequently approached in the literature on consumer behavior, macro-marketing and economic psychology. The influence of materialism on consumer indebtedness is investigated within a context that is characterized by poverty and by factors that cause vulnerability, such as high interest rates, limited access to credit and to quality affordable goods. The objectives of this research are: to produce a materialism scale that is well adapted to its environment, characterizing materialism adequately for the population studied; to compare results obtained with results of other studies; and to measure the relationship between materialism, socio-demographic variables, attitude to debt and consumption indebtedness. The primary data used in the analyses were collected from field research carried out in August, 2005 that relied on a probabilistic household sample of 450 low income individuals who live in poor regions of the city of Sao Paulo. The materialism scale, adapted and translated into Portuguese from Richins (2004), proved to be very successful and encourages new work in the area. It was noted that younger adults tend to be more materialistic than older ones; that illiterate adults tend to be less materialistic than those who did literacy courses when they were already adults; and that gender, income and race are not associated with the materialism construct. Among the other results, a logistic regression model was developed in order to distinguish those individuals who have an installment plan payment booklet from those who do not, based on materialism, socio-demographic variables and purchasing and consumer habits. The proposed model confirms materialism as a behavioral variable useful for forecasting the probability of an individual getting into debt in order to consume, in some cases almost doubling the chance of occurrence of this event. Findings confirm the thesis that it is not only adverse economic factors that lead people to get into debt; and that the study of demand for credit for consumption purposes must, of necessity, include variables of a psychological nature. It is suggested that the low income materialistic consumer experiences feelings of powerlessness and exclusion because of the gap that exists between their possessions and their desires. Lines of conduct to combat this marginalization from the consumer society are drawn targeting marketing professionals, public policy makers and vulnerability researchers. Finally, the possibility of new studies involving the materialism construct, which is central to literature on consumer behavior, albeit little used in empirical studies in Brazil, are discussed. |
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Ponchio, Mateus CanniattiEscolas::EAESPTodd, SarahPereira, InêsPrado Júnior, Sérvio TúlioCohen, Eric DavidAranha Filho, Francisco José Espósito2010-04-20T20:48:42Z2010-04-20T20:48:42Z2006-09-29PONCHIO, Mateus Canniatti. The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2006.http://hdl.handle.net/10438/2519This research is in the domains of materialism, consumer vulnerability and consumption indebtedness, concepts frequently approached in the literature on consumer behavior, macro-marketing and economic psychology. The influence of materialism on consumer indebtedness is investigated within a context that is characterized by poverty and by factors that cause vulnerability, such as high interest rates, limited access to credit and to quality affordable goods. The objectives of this research are: to produce a materialism scale that is well adapted to its environment, characterizing materialism adequately for the population studied; to compare results obtained with results of other studies; and to measure the relationship between materialism, socio-demographic variables, attitude to debt and consumption indebtedness. The primary data used in the analyses were collected from field research carried out in August, 2005 that relied on a probabilistic household sample of 450 low income individuals who live in poor regions of the city of Sao Paulo. The materialism scale, adapted and translated into Portuguese from Richins (2004), proved to be very successful and encourages new work in the area. It was noted that younger adults tend to be more materialistic than older ones; that illiterate adults tend to be less materialistic than those who did literacy courses when they were already adults; and that gender, income and race are not associated with the materialism construct. Among the other results, a logistic regression model was developed in order to distinguish those individuals who have an installment plan payment booklet from those who do not, based on materialism, socio-demographic variables and purchasing and consumer habits. The proposed model confirms materialism as a behavioral variable useful for forecasting the probability of an individual getting into debt in order to consume, in some cases almost doubling the chance of occurrence of this event. Findings confirm the thesis that it is not only adverse economic factors that lead people to get into debt; and that the study of demand for credit for consumption purposes must, of necessity, include variables of a psychological nature. It is suggested that the low income materialistic consumer experiences feelings of powerlessness and exclusion because of the gap that exists between their possessions and their desires. Lines of conduct to combat this marginalization from the consumer society are drawn targeting marketing professionals, public policy makers and vulnerability researchers. Finally, the possibility of new studies involving the materialism construct, which is central to literature on consumer behavior, albeit little used in empirical studies in Brazil, are discussed.Este trabalho posiciona-se entre os domínios de materialismo, vulnerabilidade de consumo e endividamento de consumo, conceitos abordados com freqüência pela literatura de comportamento do consumidor, macro marketing e psicologia econômica. Busca-se verificar a influência do materialismo no endividamento de consumo, em um contexto caracterizado por pobreza e por fatores que induzem a vulnerabilidade, tais como altas taxas de juros, escasso acesso a crédito e pequena disponibilidade de bens de boa qualidade e preços baixos. Os objetivos são: adaptar uma escala de materialismo ao ambiente da pesquisa, de forma a caracterizá-lo adequadamente à população estudada; efetuar comparações com outros estudos; e aferir as relações entre materialismo, variáveis sócio-demográficas, atitude ao endividamento e endividamento de consumo. Os dados primários utilizados nas análises foram coletados em pesquisa de campo conduzida em agosto de 2005, por meio de amostra domiciliar probabilística de 450 indivíduos de baixa renda, moradores em regiões pobres do município de São Paulo. A escala de materialismo, adaptada e traduzida para o Português a partir de Richins (2004), mostrou-se bem sucedida e incita novos trabalhos na área. Verificou-se que os indivíduos mais jovens tendem a ser mais materialistas que os mais velhos; que adultos analfabetos tendem a ser menos materialistas que adultos tardiamente alfabetizados; e que gênero, renda e raça não se associam com materialismo. Entre as demais análises, elaborou-se um modelo de regressão logística para distinguir indivíduos possuidores de carnê de crediário dos não possuidores, com base no materialismo, em variáveis sócio-demográficas, em hábitos de compra e em hábitos de consumo. O modelo proposto confirma o materialismo como variável comportamental útil na previsão da probabilidade de um indivíduo endividar-se para consumir, em alguns casos fazendo quase dobrar a chance de ocorrência deste evento. Os achados confirmam a tese de que não apenas fatores econômicos adversos levam as pessoas a se endividarem; e que o estudo da demanda por crédito para consumo necessariamente deve passar por variáveis de natureza psicológica. Sugere-se que o consumidor materialista de baixa renda vivencia sentimentos de impotência e de exclusão em função do desnível entre suas posses e seus desejos. Linhas de conduta para combater tal marginalização da sociedade de consumo são recomendadas, tendo como alvo profissionais de marketing, formadores de políticas públicas e pesquisadores de vulnerabilidade. São levantadas, por fim, possibilidades de novos estudos envolvendo o construto de materialismo, central à literatura de comportamento do consumidor, porém pouco empregado em estudos empíricos no Brasil.engMaterialismAttitude to debtLow income consumersConsumption indebtednessAtitude ao endividamentoEndividamento de consumoVulnerabilidade de consumoAdministração de empresasMaterialismoDívidasConsumo (Economia) - São Paulo (SP) - Aspectos psicológicosComportamento do consumidor - São Paulo (SP)Consumidores de baixa renda - São Paulo (SP)The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Pauloinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/doctoralThesisreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVinfo:eu-repo/semantics/openAccessTHUMBNAIL142172.pdf.jpg142172.pdf.jpgGenerated Thumbnailimage/jpeg2733https://repositorio.fgv.br/bitstreams/da16aa16-df3c-469a-9e05-fe9fc0551031/download4f4cfd0272426383150811c95b8c4d83MD56ORIGINAL142172.pdfapplication/pdf1753912https://repositorio.fgv.br/bitstreams/68c9fe15-eb2e-4253-aad8-e1466b989ca9/download73259a34c6a05733c5e0cc3ffcec54bbMD52TEXT142172.pdf.txt142172.pdf.txtExtracted texttext/plain100662https://repositorio.fgv.br/bitstreams/36b0a8ad-063a-4576-a096-3d487c670417/download49c90a617a7a31cc6e3b4e6ecbb78c23MD5510438/25192023-11-26 22:40:28.487open.accessoai:repositorio.fgv.br:10438/2519https://repositorio.fgv.brRepositório InstitucionalPRIhttp://bibliotecadigital.fgv.br/dspace-oai/requestopendoar:39742023-11-26T22:40:28Repositório Institucional do FGV (FGV Repositório Digital) - Fundação Getulio Vargas (FGV)false |
dc.title.eng.fl_str_mv |
The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo |
title |
The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo |
spellingShingle |
The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo Ponchio, Mateus Canniatti Materialism Attitude to debt Low income consumers Consumption indebtedness Atitude ao endividamento Endividamento de consumo Vulnerabilidade de consumo Administração de empresas Materialismo Dívidas Consumo (Economia) - São Paulo (SP) - Aspectos psicológicos Comportamento do consumidor - São Paulo (SP) Consumidores de baixa renda - São Paulo (SP) |
title_short |
The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo |
title_full |
The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo |
title_fullStr |
The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo |
title_full_unstemmed |
The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo |
title_sort |
The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo |
author |
Ponchio, Mateus Canniatti |
author_facet |
Ponchio, Mateus Canniatti |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::EAESP |
dc.contributor.member.none.fl_str_mv |
Todd, Sarah Pereira, Inês Prado Júnior, Sérvio Túlio Cohen, Eric David |
dc.contributor.author.fl_str_mv |
Ponchio, Mateus Canniatti |
dc.contributor.advisor1.fl_str_mv |
Aranha Filho, Francisco José Espósito |
contributor_str_mv |
Aranha Filho, Francisco José Espósito |
dc.subject.eng.fl_str_mv |
Materialism |
topic |
Materialism Attitude to debt Low income consumers Consumption indebtedness Atitude ao endividamento Endividamento de consumo Vulnerabilidade de consumo Administração de empresas Materialismo Dívidas Consumo (Economia) - São Paulo (SP) - Aspectos psicológicos Comportamento do consumidor - São Paulo (SP) Consumidores de baixa renda - São Paulo (SP) |
dc.subject.por.fl_str_mv |
Attitude to debt Low income consumers Consumption indebtedness Atitude ao endividamento Endividamento de consumo Vulnerabilidade de consumo |
dc.subject.area.por.fl_str_mv |
Administração de empresas |
dc.subject.bibliodata.por.fl_str_mv |
Materialismo Dívidas Consumo (Economia) - São Paulo (SP) - Aspectos psicológicos Comportamento do consumidor - São Paulo (SP) Consumidores de baixa renda - São Paulo (SP) |
description |
This research is in the domains of materialism, consumer vulnerability and consumption indebtedness, concepts frequently approached in the literature on consumer behavior, macro-marketing and economic psychology. The influence of materialism on consumer indebtedness is investigated within a context that is characterized by poverty and by factors that cause vulnerability, such as high interest rates, limited access to credit and to quality affordable goods. The objectives of this research are: to produce a materialism scale that is well adapted to its environment, characterizing materialism adequately for the population studied; to compare results obtained with results of other studies; and to measure the relationship between materialism, socio-demographic variables, attitude to debt and consumption indebtedness. The primary data used in the analyses were collected from field research carried out in August, 2005 that relied on a probabilistic household sample of 450 low income individuals who live in poor regions of the city of Sao Paulo. The materialism scale, adapted and translated into Portuguese from Richins (2004), proved to be very successful and encourages new work in the area. It was noted that younger adults tend to be more materialistic than older ones; that illiterate adults tend to be less materialistic than those who did literacy courses when they were already adults; and that gender, income and race are not associated with the materialism construct. Among the other results, a logistic regression model was developed in order to distinguish those individuals who have an installment plan payment booklet from those who do not, based on materialism, socio-demographic variables and purchasing and consumer habits. The proposed model confirms materialism as a behavioral variable useful for forecasting the probability of an individual getting into debt in order to consume, in some cases almost doubling the chance of occurrence of this event. Findings confirm the thesis that it is not only adverse economic factors that lead people to get into debt; and that the study of demand for credit for consumption purposes must, of necessity, include variables of a psychological nature. It is suggested that the low income materialistic consumer experiences feelings of powerlessness and exclusion because of the gap that exists between their possessions and their desires. Lines of conduct to combat this marginalization from the consumer society are drawn targeting marketing professionals, public policy makers and vulnerability researchers. Finally, the possibility of new studies involving the materialism construct, which is central to literature on consumer behavior, albeit little used in empirical studies in Brazil, are discussed. |
publishDate |
2006 |
dc.date.issued.fl_str_mv |
2006-09-29 |
dc.date.accessioned.fl_str_mv |
2010-04-20T20:48:42Z |
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2010-04-20T20:48:42Z |
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PONCHIO, Mateus Canniatti. The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2006. |
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http://hdl.handle.net/10438/2519 |
identifier_str_mv |
PONCHIO, Mateus Canniatti. The influence of materialism on consumption indebtedness in the context of low income consumers from the city of São Paulo. Tese (Doutorado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2006. |
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http://hdl.handle.net/10438/2519 |
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