Heurísticas e vieses comportamentais em decisões financeiras pessoais: um estudo com profissionais da comunidade médica

Detalhes bibliográficos
Ano de defesa: 2017
Autor(a) principal: Sauer, Paula lattes
Orientador(a): Garcia, Fabio Gallo
Banca de defesa: Não Informado pela instituição
Tipo de documento: Dissertação
Tipo de acesso: Acesso aberto
Idioma: por
Instituição de defesa: Pontifícia Universidade Católica de São Paulo
Programa de Pós-Graduação: Programa de Estudos Pós-Graduados em Administração
Departamento: Faculdade de Economia, Administração, Contábeis e Atuariais
País: Brasil
Palavras-chave em Português:
Palavras-chave em Inglês:
Área do conhecimento CNPq:
Link de acesso: https://tede2.pucsp.br/handle/handle/19866
Resumo: The study of applied behavioral sciences (economic psychology, behavioral economics, and behavioral finance) has grown exponentially not only in Brazil but also in other countries around the world, with greater intensity since the mid-1970s. Not only in quantity, but in importance. The studies leave the academy and are put into practice in the financial market. Understanding behavioral heuristics and biases is extremely important in this line of thinking, which has the study of rationality as an important tool. This research aimed to identify if there is a significant presence of heuristics and behavioral bias related to personal finances in the medical community. This community was chosen because it has professionals with high level of education, high income and high employability. For this purpose, a quantitative survey was carried out from a questionnaire divided into six sections. The first section of the questionnaire was designed to identify behavioral heuristics and biases. In the subsequent three sections, the participant was invited to reflect on his experiences with money over time (Money in the Present and the MPFS scale - Money in the Past and Future Scale). The last two sections aimed to identify the demographic profile of the participants. 111 questionnaires were answered online from the survey monkey platform and the results were submitted to statistical analysis. Of the 111 questionnaires answered, only 65 were valid for our database. Some responses have confirmed previous experiments on heuristics and biases, and behaviors in relation to money, and the perception of wealth throughout the life cycle. The results found for learning from a family source of habits such as saving, saving and investing. Identifying the search for an income and marital status has an impact on decision making greater than an education and knowledge of finance. As for the behaviors found, such as aversion to loss, self-control, aversion to repentance among others do not differ with great expressiveness