Entendendo a atitude ao endividamento: fatores comportamentais e variáveis socioeconômicas o determinam?

Abstract

The comprehension about aspects related to debt is a point that has been frequently discussed in the academy, however, only a few studies have related behavioural and socioeconomic factors to the attitude to indebtedness. In this sense, the objective of this study is to identify the influence of behavioural factors and socioeconomic variables regarding indebtedness. To achieve it, we researched 1.458 individuals who live in 31 counties in the Western Central Mesoregion of Rio Grande do Sul. To analyse the data, the descriptive statics, tests for difference of means (t test and Post Hoc) and the analysis of a linear regression have been made. The main results show that, on average, the respondents do not have tendency to accumulate debts, they are not tolerant to risk, they have low attitude to indebtedness, an adequate financial attitude, they are not compulsive buyers and they have a good financial behaviour. Finally, it has been identified that men should worry in a more effective way with the maintenance of a financial attitude, avoiding compulsive shopping and maintaining adequate financial behaviour.