Bem-estar financeiro percebido como antecedente do bem-estar psicológico: evidências do Brasil

Mateus Canniatti Ponchio, Simoni Fernanda Rohden, Frederike Budiner Mette

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.


Palavras-chave


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

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

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