Autocontrole na economia comportamental: inovações financeiras e endividamento excessivo
Data
2021-03-02
Autores
Souza, Renata Soares Lopes de 
Orientadores
Araújo, Veneziano de Castro
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
Os avanços na tecnologia nas últimas décadas propiciaram uma nova relação dos indivíduos com o dinheiro e o consumo. O presente trabalho foi desenvolvido por uma revisão da literatura da Economia Comportamental focada no tema do autocontrole, dentro do possível associado às finanças. Isso permitiu levantar algumas associações entre como as inovações financeiras recentes, que facilitam o acesso ao crédito, podem estar relacionadas com a maior propensão ao endividamento excessivo.
Com base nesta análise inicial, um questionário estruturado foi preparado e respondido por 163 pessoas que permitiram levantar um perfil do endividamento e uso de inovações financeiras. Os resultados apontaram como os comportamentos traçados por um grupo e a forma com que vivem, em conjunto com fatores de educação financeira, são grandes variáveis influentes no momento de decisão de consumo.
Advances in technology in recent decades have provided a new relationship between individuals and money and consumption. The present work was developed by a review of the literature on Behavioral Economics focused on the theme of self-control, as far as possible associated with finance. This made it possible to raise some associations between how recent financial innovations, which facilitate access to credit, may be related to a greater propensity for excessive indebtedness. Based on this initial analysis, a structured questionnaire was prepared and answered by 163 people, which made it possible to raise a profile of indebtedness and the use of financial innovations. The results pointed out how the behaviors outlined by a group and the way they live, together with financial education factors, are major influential variables at the time of consumption decision.
Advances in technology in recent decades have provided a new relationship between individuals and money and consumption. The present work was developed by a review of the literature on Behavioral Economics focused on the theme of self-control, as far as possible associated with finance. This made it possible to raise some associations between how recent financial innovations, which facilitate access to credit, may be related to a greater propensity for excessive indebtedness. Based on this initial analysis, a structured questionnaire was prepared and answered by 163 people, which made it possible to raise a profile of indebtedness and the use of financial innovations. The results pointed out how the behaviors outlined by a group and the way they live, together with financial education factors, are major influential variables at the time of consumption decision.