Explorando os Determinantes do Bem-Estar Financeiro no Brasil
Palavras-chave:
bem-estar financeiro, educação financeira, finanças comportamentais, finanças pessoaisResumo
Este estudo aborda os determinantes do bem-estar financeiro no Brasil a partir da estimação dos efeitos associados às características individuais, socioeconômicas e escolhas de investimento. A pesquisa foi baseada nos dados da sondagem CVM-SPC realizada em 2019 que envolveu as principais regiões metropolitanas do país. A partir da identificação de produtos financeiros consumidos, foram encontrados sinais da relevância da educação financeira sobre o bem-estar financeiro dos brasileiros. Os resultados corroboram a hipótese de que o nível de renda é um dos principais determinantes do bem-estar financeiro e indicam evidências claras de diferenças entre os gêneros. Os fatores vinculados à região e escolaridade mostraram resultados diferentes do esperado, revelando indícios de que aspectos econômico-regionais são relevantes na determinação do nível de bem-estar financeiro dos brasileiros.
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Referências
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Brüggen, E.C.; Hogreve, J.; Holmlund, M.; Kabadayi, S.; Löfgren, M. (2017). Financial well-being: A conceptualization and research agenda. Journal of Business Research. http://dx.doi.org/10.1016/j.jbusres.2017.03.013
Bucher-Koenen, T.; Lusardi, A. (2011). Financial literacy and retirement planning in Germany. Journal of Pension Economics and Finance, 10(4), 565-584. doi:10.1017/S1474747211000485
Campara, J. Pulino.; Vieira, K. M.; Potrich, A. C. G. (2017). Satisfação global de vida e bem-estar Financeiro: desvendando a percepção de beneficiários do Programa Bolsa Família. Revista de Administração Pública, 51(2), p. 182-200.
Chen, H.; Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, v. 7, n. 2, p. 107-128.
Delafrooz, N.; Paim, L. H. (2011). Determinants of financial wellness among Malaysia workers. African Journal of Business Management, v. 5, n. 24, p. 10092-10100.
Diniz, A. P. C.; Vieira, K. M.; Potrich, J. P. C. (2014). Influência das variáveis socioeconômicas e demográficas no bem-estar financeiro: um estudo do comportamento maranhense. Revista Uniabeu. 7(17).
Donkers, B.; van Soest, A. (1999). Subjective measures of household preferences and financial decisions. Journal of Economic Psychology, 20(6), 613-642. https://doi.org/10.1016/S0167-4870(99)00027-6
Dowling, N. A.; Tim, C.; Hoiles, L. (2009). Financial management practices and money attitudes as determinants of financial problems and dissatisfaction in young male Australian workers”. Journal of Financial Counseling and Planning, v. 20, n. 2.
Finucane, M. L.; Alhakami, A.; Slovic, P.: Johnson, S. M. (2000). The affect heuristic in judgments of risks and benefits. Journal of Behavioral Decision Making, 13(1), 1–17.
Flynn J.; Slovic P.; Mertz C.K. (1994). Gender, race, and perception of environmental health risks. Risk Analysis. 1994 Dec;14(6), 1101-1108.
Gardarsdóttir, R. B.; Dittmar, H. (2012). The relationship of materialism to debt and financial wellbeing: The case of Iceland’s perceived prosperity. Journal of Economic Psychology, v. 33, n. 3, p.471-481.
Gerrans, P.; Speelman, C.; Campitelli, G. (2014). The relationship between personal financial wellness and financial wellbeing: a structural equation modelling approach. Journal of Family and Economic Issues. 35(2), 145–160. DOI: 10.1007/s10834-013-9358-z
Goldsmith, E. B. (2000). Resource management for individual and family. Belmont, CA: Wadsworth learning.
Grable, J. E.; Joo, S. H.; Park, J. (2015). Exploring the antecedents of financial behavior for asians and non-hispanic whites: the role of financial capability and locus of control. Journal of Personal Finance, 14(1).
Gutter, M., & Copur, Z. (2011). Financial behaviors and financial well-being of college students: evidence from a national survey. Journal of Family and Economic Issues, 32(4), 699–714. doi:10.1007/s10834-011-9255-2
Johnson, E.; Sherraden, M. S. (2007). From financial literacy to financial capability among youth. Journal of Sociology & Social Welfare, v. 34, n. 1, p. 119-145.
Joo, S. H.; Grable, J. (2004a). Environmental and biopsychosocial factors associated with financial risk tolerance. Journal of Financial Counseling and Planning, 15(1).
Joo, S. H.; Grable, J. (2004b). An exploratory framework of the determinants of financial satisfaction. Journal of Family and Economic Issues, 25(1). DOI: 10.1023/B:JEEI.0000016722.37994.9f
Kahneman, D.; Krueger, A. B. (2006). Developments in the measurement of subjective well-being. Journal of Economic Perspectives, 20(1), 3–24.
Kim, J., Thomas G. E., and Sorhaindo, B. (2003). Relationships among credit counseling clients’ financial well-being, financial behaviors, financial stressor events, and health”. papers.ssrn.com.
Lusardi, A.; Mitchell, O. S. (2007). Financial literacy and retirement planning: new evidence from the rand american life panel. Michigan Retirement Research Center Research Paper No. WP 2007-157. http://dx.doi.org/10.2139/ssrn.1095869
Lusardi, A.; Mitchell, O. S. (2007a). Baby boomer retirement security: the roles of planning, financial literacy, and housing wealth. Journal of Monetary Economics, 54(1), 205–224. doi:10.1016/j.jmoneco.2006.12.001
Lusardi, A.; Mitchell, O. S.; Curto, V. (2010). Financial literacy among the young. The Journal of Consumer Affairs. 44(2), 358-380. https://doi.org/10.1111/j.1745-6606.2010.01173.x
Lusardi, A,; Mitchell, O. S. (2014). The economic importance of financial literacy: theory and evidence. Journal of Economic Literature, 52 (1), 5-44. DOI: 10.1257/jel.52.1.5
Malone, K., Stewart, S. D., Wilson, J., and Korsching, P. F. (2010), Perceptions of financial well-being among American women in diverse families. Journal of Family and Economic Issues, 31, 63–81. https://doi.org/10.1007/s10834-009-9176-5.
Netemeyer, R. G., Warmath, D., Fernandes, D., & Lynch, J., Jr. (2018). How am I doing? Perceived financial well-being, its potential antecedents, and its relation to overall well-being. Journal of Consumer Research, 45(1), 68-89.
Penn, D. (2009). Financial well-being in an urban area: an application of multiple imputation. Applied Economics, v. 41, n. 23, p. 2955-2964.
Plagnol, A. C. (2011). Financial satisfaction over the life course: The influence of assets and liabilities. Journal of Economic Psychology, v. 32, n. 1, p. 45-64.
Ponchio, M.C.; Cordeiro, R. A.; Gonçalves, V. N. (2020). Validação da Escala Perceived Financial Well-Being no Contexto Brasileiro. Revista Interdisciplinar em Marketing. Maringá, v.10, n.1, p. 17-26.
Prawitz, A. D., Garman, E. T., Sorhaindo, B., Neill, B. O., and Kim, J. (2006). IFDFW scale article. Financial Counseling Planning. 17, 34–50. https://doi.org/10.1037/t60365-000.
Rabbani, A.; Heo, W.; Grable, J. E. (2021). The role of financial literacy in describing the use of professional financial advisors before and during the COVID-19 pandemic. Journal of Financial Services Marketing. https://doi.org/10.1057/s41264-021-00109-w
Shim, S.; Xiao, J. J.; Barber, B. L.; Lyons, A. C. (2009). Pathways to life success: a conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology. v. 30, n. 1, p. 708-723.
Shockey, S. S. Low-wealth adults financial literacy, money management behavior and associates factors, including critical thinking. Thesis, Ohio State University: Utah, 2002.
Slovic, P. (1987). Perception of risk. Science, 236(4799), 280-85.
Taft, M. K., Hosein, Z. Z., & Mehrizi, S. M. T. (2013). The relation between financial literacy, financial wellbeing and financial concerns. International Journal of Business and Management, 8(11). doi:10.5539/ijbm.v8n11p63
Van Rooij, M. CJ; Lusardi, A.; Alessie, R. JM. (2011). Financial literacy and retirement planning in the Netherlands. Journal of Economic Psychology, v. 32, n. 4, p. 593-608.
Vitt, L. A. (2004). Consumers’ financial decisions and the psychology of values. Journal of Financial Service Professionals. http://www.isfs.org/documents-pdfs/jfsp-vitt-article-11-04.pdf.
Weber, E. U.; Blais, A.-R.; Betz, N. E\. (2002). A domain-specific risk-attitude scale: measuring risk perceptions and risk behaviors. Journal of Behavioral Decision Making, 15(4), 263-290. https://doi.org/10.1002/bdm.414
Williams, F. L., Haldeman, V., and Cramer, S. (1996), Financial concerns and productivity. Journal of Financial Counseling and Planning, 7, 147–156.
Binswanger, J.; & Carman, K. G. (2012). How real people make long-term decisions: the case of retirement preparation. Journal of Economic Behavior & Organization, 81(1), 39-60. https://doi.org/10.1016/j.jebo.2011.08.010.
Brüggen, E.C.; Hogreve, J.; Holmlund, M.; Kabadayi, S.; Löfgren, M. (2017). Financial well-being: A conceptualization and research agenda. Journal of Business Research. http://dx.doi.org/10.1016/j.jbusres.2017.03.013
Bucher-Koenen, T.; Lusardi, A. (2011). Financial literacy and retirement planning in Germany. Journal of Pension Economics and Finance, 10(4), 565-584. doi:10.1017/S1474747211000485
Campara, J. Pulino.; Vieira, K. M.; Potrich, A. C. G. (2017). Satisfação global de vida e bem-estar Financeiro: desvendando a percepção de beneficiários do Programa Bolsa Família. Revista de Administração Pública, 51(2), p. 182-200.
Chen, H.; Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, v. 7, n. 2, p. 107-128.
Delafrooz, N.; Paim, L. H. (2011). Determinants of financial wellness among Malaysia workers. African Journal of Business Management, v. 5, n. 24, p. 10092-10100.
Diniz, A. P. C.; Vieira, K. M.; Potrich, J. P. C. (2014). Influência das variáveis socioeconômicas e demográficas no bem-estar financeiro: um estudo do comportamento maranhense. Revista Uniabeu. 7(17).
Donkers, B.; van Soest, A. (1999). Subjective measures of household preferences and financial decisions. Journal of Economic Psychology, 20(6), 613-642. https://doi.org/10.1016/S0167-4870(99)00027-6
Dowling, N. A.; Tim, C.; Hoiles, L. (2009). Financial management practices and money attitudes as determinants of financial problems and dissatisfaction in young male Australian workers”. Journal of Financial Counseling and Planning, v. 20, n. 2.
Finucane, M. L.; Alhakami, A.; Slovic, P.: Johnson, S. M. (2000). The affect heuristic in judgments of risks and benefits. Journal of Behavioral Decision Making, 13(1), 1–17.
Flynn J.; Slovic P.; Mertz C.K. (1994). Gender, race, and perception of environmental health risks. Risk Analysis. 1994 Dec;14(6), 1101-1108.
Gardarsdóttir, R. B.; Dittmar, H. (2012). The relationship of materialism to debt and financial wellbeing: The case of Iceland’s perceived prosperity. Journal of Economic Psychology, v. 33, n. 3, p.471-481.
Gerrans, P.; Speelman, C.; Campitelli, G. (2014). The relationship between personal financial wellness and financial wellbeing: a structural equation modelling approach. Journal of Family and Economic Issues. 35(2), 145–160. DOI: 10.1007/s10834-013-9358-z
Goldsmith, E. B. (2000). Resource management for individual and family. Belmont, CA: Wadsworth learning.
Grable, J. E.; Joo, S. H.; Park, J. (2015). Exploring the antecedents of financial behavior for asians and non-hispanic whites: the role of financial capability and locus of control. Journal of Personal Finance, 14(1).
Gutter, M., & Copur, Z. (2011). Financial behaviors and financial well-being of college students: evidence from a national survey. Journal of Family and Economic Issues, 32(4), 699–714. doi:10.1007/s10834-011-9255-2
Johnson, E.; Sherraden, M. S. (2007). From financial literacy to financial capability among youth. Journal of Sociology & Social Welfare, v. 34, n. 1, p. 119-145.
Joo, S. H.; Grable, J. (2004a). Environmental and biopsychosocial factors associated with financial risk tolerance. Journal of Financial Counseling and Planning, 15(1).
Joo, S. H.; Grable, J. (2004b). An exploratory framework of the determinants of financial satisfaction. Journal of Family and Economic Issues, 25(1). DOI: 10.1023/B:JEEI.0000016722.37994.9f
Kahneman, D.; Krueger, A. B. (2006). Developments in the measurement of subjective well-being. Journal of Economic Perspectives, 20(1), 3–24.
Kim, J., Thomas G. E., and Sorhaindo, B. (2003). Relationships among credit counseling clients’ financial well-being, financial behaviors, financial stressor events, and health”. papers.ssrn.com.
Lusardi, A.; Mitchell, O. S. (2007). Financial literacy and retirement planning: new evidence from the rand american life panel. Michigan Retirement Research Center Research Paper No. WP 2007-157. http://dx.doi.org/10.2139/ssrn.1095869
Lusardi, A.; Mitchell, O. S. (2007a). Baby boomer retirement security: the roles of planning, financial literacy, and housing wealth. Journal of Monetary Economics, 54(1), 205–224. doi:10.1016/j.jmoneco.2006.12.001
Lusardi, A.; Mitchell, O. S.; Curto, V. (2010). Financial literacy among the young. The Journal of Consumer Affairs. 44(2), 358-380. https://doi.org/10.1111/j.1745-6606.2010.01173.x
Lusardi, A,; Mitchell, O. S. (2014). The economic importance of financial literacy: theory and evidence. Journal of Economic Literature, 52 (1), 5-44. DOI: 10.1257/jel.52.1.5
Malone, K., Stewart, S. D., Wilson, J., and Korsching, P. F. (2010), Perceptions of financial well-being among American women in diverse families. Journal of Family and Economic Issues, 31, 63–81. https://doi.org/10.1007/s10834-009-9176-5.
Netemeyer, R. G., Warmath, D., Fernandes, D., & Lynch, J., Jr. (2018). How am I doing? Perceived financial well-being, its potential antecedents, and its relation to overall well-being. Journal of Consumer Research, 45(1), 68-89.
Penn, D. (2009). Financial well-being in an urban area: an application of multiple imputation. Applied Economics, v. 41, n. 23, p. 2955-2964.
Plagnol, A. C. (2011). Financial satisfaction over the life course: The influence of assets and liabilities. Journal of Economic Psychology, v. 32, n. 1, p. 45-64.
Ponchio, M.C.; Cordeiro, R. A.; Gonçalves, V. N. (2020). Validação da Escala Perceived Financial Well-Being no Contexto Brasileiro. Revista Interdisciplinar em Marketing. Maringá, v.10, n.1, p. 17-26.
Prawitz, A. D., Garman, E. T., Sorhaindo, B., Neill, B. O., and Kim, J. (2006). IFDFW scale article. Financial Counseling Planning. 17, 34–50. https://doi.org/10.1037/t60365-000.
Rabbani, A.; Heo, W.; Grable, J. E. (2021). The role of financial literacy in describing the use of professional financial advisors before and during the COVID-19 pandemic. Journal of Financial Services Marketing. https://doi.org/10.1057/s41264-021-00109-w
Shim, S.; Xiao, J. J.; Barber, B. L.; Lyons, A. C. (2009). Pathways to life success: a conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology. v. 30, n. 1, p. 708-723.
Shockey, S. S. Low-wealth adults financial literacy, money management behavior and associates factors, including critical thinking. Thesis, Ohio State University: Utah, 2002.
Slovic, P. (1987). Perception of risk. Science, 236(4799), 280-85.
Taft, M. K., Hosein, Z. Z., & Mehrizi, S. M. T. (2013). The relation between financial literacy, financial wellbeing and financial concerns. International Journal of Business and Management, 8(11). doi:10.5539/ijbm.v8n11p63
Van Rooij, M. CJ; Lusardi, A.; Alessie, R. JM. (2011). Financial literacy and retirement planning in the Netherlands. Journal of Economic Psychology, v. 32, n. 4, p. 593-608.
Vitt, L. A. (2004). Consumers’ financial decisions and the psychology of values. Journal of Financial Service Professionals. http://www.isfs.org/documents-pdfs/jfsp-vitt-article-11-04.pdf.
Weber, E. U.; Blais, A.-R.; Betz, N. E\. (2002). A domain-specific risk-attitude scale: measuring risk perceptions and risk behaviors. Journal of Behavioral Decision Making, 15(4), 263-290. https://doi.org/10.1002/bdm.414
Williams, F. L., Haldeman, V., and Cramer, S. (1996), Financial concerns and productivity. Journal of Financial Counseling and Planning, 7, 147–156.
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2022-05-23
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de Oliveira Lima Cagliari Marques, G., & Rafael de Almeida Gois, A. (2022). Explorando os Determinantes do Bem-Estar Financeiro no Brasil. Revista De Economia Mackenzie, 19(1), 191–215. Recuperado de http://editorarevistas.mackenzie.br/index.php/rem/article/view/14954
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