Perceived financial well-being as antecedent of psychological well-being: evidence from Brazil

Mateus Canniatti Ponchio; Simoni Fernanda Rohden; Frederike Budiner Mette

doi:10.5585/remark.v21i5.21579

Autores

Mateus Canniatti Ponchio Escola de Administração de Empresas de São Paulo da Fundação Getulio Vargas – FGV-EAESP https://orcid.org/0000-0003-1110-8642
Simoni Fernanda Rohden Instituto Português de Administração de Marketing – IPAM https://orcid.org/0000-0002-6173-066X
Frederike Budiner Mette Escola Superior de Propaganda e Marketing – ESPM https://orcid.org/0000-0002-9894-6253

DOI:

https://doi.org/10.5585/remark.v21i5.21579

Palavras-chave:

Bem-estar financeiro, Bem-estar psicológico, Comportamento do consumidor, Conhecimento financeiro, Escassez de recursos, Macromarketing, Perda de renda

Resumo

Objetivo: Este estudo investiga como a relação entre o bem-estar financeiro percebido e o bem-estar psicológico é influenciada pela perda de renda no contexto das condições econômicas e sociais adversas resultantes da pandemia de Covid-19.

Método: Uma pesquisa realizada com 959 respondentes brasileiros permitiu que as hipóteses de pesquisa fossem testadas por meio de modelos de equações estruturais multigrupo.

Originalidade/Relevância: Indivíduos que relataram ter sofrido maiores perdas de renda também relataram níveis mais baixos de bem-estar financeiro e psicológico. Entre os preditores de bem-estar psicológico que testamos, a segurança financeira futura esperada é o mais importante.

Resultados: Nossos achados mostram que, após controlar por gênero, idade e renda, o estresse da gestão de dinheiro atual e a segurança financeira futura esperada (as dimensões presente e futura do bem-estar financeiro percebido, respectivamente), mas não o conhecimento financeiro, são estatisticamente significantes para explicar o bem-estar psicológico.

Contribuições teóricas/metodológicas: O papel do conhecimento financeiro para predizer o bem-estar financeiro fica fragilizado na presença das variáveis psicológicas investigadas, o que tem implicações importantes para os esforços de educação financeira. Bancos e outras instituições financeiras podem criar ferramentas para aumentar a consciência pessoal e a responsabilidade sobre o futuro financeiro de uma pessoa.

Contribuições sociais / para a gestão: As implicações gerenciais e sociais incluem o fornecimento de conhecimento que pode permitir que programas de educação financeira, intervenções de capacitação econômica e políticas públicas destinadas a reduzir o impacto negativo da tensão financeira no bem-estar financeiro percebido sejam mais bem direcionados.

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Biografia do Autor

Mateus Canniatti Ponchio, Escola de Administração de Empresas de São Paulo da Fundação Getulio Vargas – FGV-EAESP

Doutor

Simoni Fernanda Rohden, Instituto Português de Administração de Marketing – IPAM

Doutora

Frederike Budiner Mette, Escola Superior de Propaganda e Marketing – ESPM

Doutora

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