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

Autores

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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Publicado

04.01.2023

Como Citar

Ponchio, M. C., Rohden, S. F., & Mette, F. B. (2023). Bem-estar financeiro percebido como antecedente do bem-estar psicológico: evidências do Brasil. ReMark - Revista Brasileira De Marketing, 21(5), 1631–1676. https://doi.org/10.5585/remark.v21i5.21579

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