Bem-estar financeiro: uma análise multifatorial do comportamento maranhense

Abstract

Financial wellbeing is defined as a satisfaction state with financial situation, including subjective/behavioral aspects and objective/socioeconomic and demographic aspects. The main objective of this work is to analyze the influence of behavioral factors and financial wellbeing. The behavioral determinants in this research are: shopping addiction, materialism, financial behavior, financial attitude and financial knowledge. The objective aspects are socioeconomic and demographic variables as gender human, age, marital status, children, schooling, race, ascendency, occupation and income. This research is classified as descriptive, with a qualitative approach, this way a survey with 629 individuals has been applied in São Luis MA. The collecting data instrument used has been a structured questionnaire. The analysis consisted in descriptive and multivariate statistics techniques through the analysis of the sample profile, factorial analysis of constructs, the development of financial indices, identification of differences among the socioeconomic and demographic variables (trough test t and ANOVA) and regression analysis. In the results, low levels of financial wellbeing, shopping addiction and materialism have been found. On the other hand, high levels of financial behavior and attitude have been found. Furthermore, the index of financial knowledge has shown a very low level in basic, advanced and total financial knowledge in the studied sample. About financial wellbeing, differences among the groups have been identified in socioeconomic and demographic variables: marital status, schooling, age, income, occupation and race. The linear regression has shown that financial wellbeing is determined by aspects related to Investment and Saving Accounts, Financial Attitude of Control and age. The applying of this theme in national scenario characterizes the work s innovation. From organizational view, this research has contributed for marketing action and for financing and credit policy.