Testado por meio de uma série de análises de regressão. Pessoais, afetam o processo de gestão financeira e como esse processo geraĬonsequências negativas como inadimplência, ou positivas como poupança. Varejista em São Paulo, exploramos e testamos como antecedentes, como características
Levantamento em uma amostra de 165 consumidoras de classe média baixa de uma empresa Reunindo vários fragmentos teóricos anteriormente desconectados. Quantitativo - esta pesquisa objetivou compreender como as famílias de classe média Resumo: Por meio de dois estudos exploratórios complementares - um qualitativo e outro Keywords: Household financial management, mental budget, default, savings, Brazilian lower-middle-class. Previous studies with consumers of more affluent countries, we identified peculiarįindings among Brazilian lower-middle-class consumers: inadequate attention toĬontrol, weak or no focus on short- or long-range planning, widespread absence ofīudget surplus, and influence of critical events on episodes of default. Relationship between personal characteristics and defaults and savings. The results revealed the mediator role that financial management plays in the
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The model calibration and analysis were derived from a series of regression analyses.
Retail company in São Paulo, we explored and tested, via a quantitative study, howĪntecedents such as personal characteristics affect the financial management process,Īs well as its consequences, either negatively as defaults or positively as savings. The study proposes an integratedįramework that brings together various previously disconnected theoretical fragments.īased on a survey with a sample of 165 lower-middle-class female consumers of a Quantitative – this research aims to understand the ways in which lower-middle-classįamilies in Brazil manage their household finances. Abstract: Through two complementary and exploratory studies – one qualitative and one