Determinantes que influenciam a adesão a um plano de previdência privada
Data
2021-08-12
Autores
Silva, Gabriel Venancio da [UNIFESP]
Orientadores
Santos, Danilo Braun [UNIFESP]
Tipo
Trabalho de conclusão de curso de graduação
Título da Revista
ISSN da Revista
Título de Volume
Resumo
O presente estudo tem como objetivo apurar quais variáveis possuem influência no processo de adesão a um plano de previdência privada. Utilizando os dados da pesquisa sobre inclusão financeira e utilização de correspondentes bancários no Brasil realizada em 2012, pelo Bankable Frontier Associates e Fundação Bill e Melinda Gates, este estudo é realizado com um modelo de regressão logística. Os resultados mostram que, como encontrado no referencial teórico, o rendimento e a escolaridade impactam positivamente na probabilidade de aderir ao plano, com 38,43% por unidade de log do rendimento e 10,53% por ano de estudo. Foi constatado que o aumento da idade também afeta positivamente com 2,17% por ano. Além dessas variáveis, a distância entre o banco mais perto e a residência do indivíduo, e o fato de possuir previdência social tiveram impacto, com uma probabilidade 167,35% maior para quem a distância do banco mais próximo for menor que 5 km e 125,18% para quem já possui previdência social.
This study aims to determine which variables influence the process of joining a private pension plan. Based on research data regarding financial inclusion and correspondent banking in Brazil, performed in 2012 by Bankable Frontier Associates and Bill and Melinda Gates Foundation, this study is carried out using a logistic regression model. The results show that, as found on the theoretical framework, income and education positively impact the probability of acquiring the plan, with 38.43% per income log unit and 10.53% per year of study. It was found that increasing age also affects positively with 2.17% per year. In addition to these variables, the distance between the nearest bank and the individual's residence, and the fact of having social security had an impact, with a probability 167.35% higher for those which the distance from the nearest bank was less than 5 km and 125.18% for those who already have social security.
This study aims to determine which variables influence the process of joining a private pension plan. Based on research data regarding financial inclusion and correspondent banking in Brazil, performed in 2012 by Bankable Frontier Associates and Bill and Melinda Gates Foundation, this study is carried out using a logistic regression model. The results show that, as found on the theoretical framework, income and education positively impact the probability of acquiring the plan, with 38.43% per income log unit and 10.53% per year of study. It was found that increasing age also affects positively with 2.17% per year. In addition to these variables, the distance between the nearest bank and the individual's residence, and the fact of having social security had an impact, with a probability 167.35% higher for those which the distance from the nearest bank was less than 5 km and 125.18% for those who already have social security.