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ANTECEDENTS AND CONSEQUENCES OF HOUSEHOLD FINANCIAL MANAGEMENT IN BRAZILIAN LOWER-MIDDLE-CLASS

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Bibliographic Details
Main Author:	ANA PAULA S. C. MIOTTO
Format:	Artículo científico
Language:	en
Published:	Fundação Getulio Vargas 2015
Subjects:	Administración y Contabilidad class middle default savings mental budget
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author	ANA PAULA S. C. MIOTTO
author_facet	ANA PAULA S. C. MIOTTO
contents	ANTECEDENTS AND CONSEQUENCES OF HOUSEHOLD FINANCIAL MANAGEMENT IN BRAZILIAN LOWER-MIDDLE-CLASS ANA PAULA S. C. MIOTTO JURACY PARENTE Administración y Contabilidad class middle default savings mental budget Through two complementary and exploratory studies – one qualitative and one quantitative – this researchaims to understand the ways in which lower-middle-class families in Brazil manage their household finan-ces. The study proposes an integrated framework that brings together various previously disconnected theo-retical fragments. Based on a survey with a sample of 165 lower-middle-class female consumers of a retailcompany in São Paulo, we explored and tested, via a quantitative study, how antecedents such as personalcharacteristics affect the financial management process, as well as its consequences, either negatively asdefaults or positively as savings. The model calibration and analysis were derived from a series of regres-sion analyses. The results revealed the mediator role that financial management plays in the relationshipbetween personal characteristics and defaults and savings. Compared to previous studies with consumersof more affluent countries, we identified peculiar findings among Brazilian lower-middle-class consumers:inadequate attention to control, weak or no focus on short- or long-range planning, widespread absence ofbudget surplus, and influence of critical events on episodes of default. 2015 artículo científico 0034-7590 https://www.redalyc.org/articulo.oa?id=155133820005 https://www.redalyc.org/journal/1551/155133820005/ https://www.redalyc.org/journal/1551/155133820005/html/ https://www.redalyc.org/journal/1551/155133820005/155133820005.epub https://www.redalyc.org/journal/1551/155133820005/movil en http://www.redalyc.org/revista.oa?id=1551 RAE - Revista de Administração de Empresas application/pdf Fundação Getulio Vargas RAE - Revista de Administração de Empresas (Brasil) Num.1 Vol.55
format	Artículo científico
id	redalyc_155133820005
institution	Redalyc
language	en
publishDate	2015
publisher	Fundação Getulio Vargas
spellingShingle	ANTECEDENTS AND CONSEQUENCES OF HOUSEHOLD FINANCIAL MANAGEMENT IN BRAZILIAN LOWER-MIDDLE-CLASS ANA PAULA S. C. MIOTTO Administración y Contabilidad class middle default savings mental budget ANTECEDENTS AND CONSEQUENCES OF HOUSEHOLD FINANCIAL MANAGEMENT IN BRAZILIAN LOWER-MIDDLE-CLASS ANA PAULA S. C. MIOTTO JURACY PARENTE Administración y Contabilidad class middle default savings mental budget Through two complementary and exploratory studies – one qualitative and one quantitative – this researchaims to understand the ways in which lower-middle-class families in Brazil manage their household finan-ces. The study proposes an integrated framework that brings together various previously disconnected theo-retical fragments. Based on a survey with a sample of 165 lower-middle-class female consumers of a retailcompany in São Paulo, we explored and tested, via a quantitative study, how antecedents such as personalcharacteristics affect the financial management process, as well as its consequences, either negatively asdefaults or positively as savings. The model calibration and analysis were derived from a series of regres-sion analyses. The results revealed the mediator role that financial management plays in the relationshipbetween personal characteristics and defaults and savings. Compared to previous studies with consumersof more affluent countries, we identified peculiar findings among Brazilian lower-middle-class consumers:inadequate attention to control, weak or no focus on short- or long-range planning, widespread absence ofbudget surplus, and influence of critical events on episodes of default. 2015 artículo científico 0034-7590 https://www.redalyc.org/articulo.oa?id=155133820005 https://www.redalyc.org/journal/1551/155133820005/ https://www.redalyc.org/journal/1551/155133820005/html/ https://www.redalyc.org/journal/1551/155133820005/155133820005.epub https://www.redalyc.org/journal/1551/155133820005/movil en http://www.redalyc.org/revista.oa?id=1551 RAE - Revista de Administração de Empresas application/pdf Fundação Getulio Vargas RAE - Revista de Administração de Empresas (Brasil) Num.1 Vol.55
title	ANTECEDENTS AND CONSEQUENCES OF HOUSEHOLD FINANCIAL MANAGEMENT IN BRAZILIAN LOWER-MIDDLE-CLASS
topic	Administración y Contabilidad class middle default savings mental budget
url	https://www.redalyc.org/articulo.oa?id=155133820005 https://www.redalyc.org/journal/1551/155133820005/ https://www.redalyc.org/journal/1551/155133820005/html/ https://www.redalyc.org/journal/1551/155133820005/155133820005.epub https://www.redalyc.org/journal/1551/155133820005/movil