The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt

Authors

  • Rebeca Formiga Figueira Centro Universitário Maurício de Nassau
  • Rita de Cassia de Faria Pereira Universidade Federal da Paraíba

DOI:

https://doi.org/10.5585/remark.v13i5.2744

Keywords:

Marketing and Society, Consumer Debt, Credit Card.

Abstract

Studies in the field of marketing and society that address consumer debt are relevant for helping the consumer to preserve his/her financial health. This manuscript analyzed the antecedents of consumer debt by means of attitude towards money, attitude towards credit card, self-control, compulsive buyings, impulsive buyings, and debt propensity. Data analysis included descriptive statistics and structural equations modeling. The sample consisted of 301 respondents that provided their perceptions through a Google Docs online form. The direct influence of the attitude towards credit card on debt propensity was accepted. Some hypotheses were not confirmed, which can be explained by the specific characteristics of Brazilian consumers. Findings suggest that marketing should pay attention to the actual practices and the legislation about credit card use. 

Author Biographies

Rebeca Formiga Figueira, Centro Universitário Maurício de Nassau

Professora na Faculdade Maurício de Nassau na cidade de João Pessoa. Mestre em Administração pela Universidade Federal da Paraíba (2013). MBA em Gestão Empresarial pela Fundação Getúlio Vargas (2014). Graduada em Administração pela Universidade Federal da Paraíba (2009). Tem experiência na área de Administração como consultora, principalmente nos seguintes temas: administração geral, marketing, pesquisa de mercado, planejamento estratégico e recrutamento e seleção.

Rita de Cassia de Faria Pereira, Universidade Federal da Paraíba

Docente do Departamento de Administração da Universidade Federal da Paraíba (UFPB)Docente do Programa de Pós-Graduação em Administração da Universidade Federal da Paraíba (PPGA/UFPB)

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Published

2014-11-06

How to Cite

Figueira, R. F., & Pereira, R. de C. de F. (2014). The Check is In the Mail: An Analysis of the Antecedents of Consumer Debt. ReMark - Revista Brasileira De Marketing, 13(5), 124–138. https://doi.org/10.5585/remark.v13i5.2744

Issue

Vol. 13 No. 5 (2014): Julho - Setembro

Section

Articles