The effects of financial education on consumer behavior: A study with low-income elderly

Detalhes bibliográficos
Autor(a) principal: Santos, Rafaela Aires Tavares
Data de Publicação: 2021
Outros Autores: Rodrigues, Waldecy, Nunes, Carine de Oliveira
Tipo de documento: Artigo
Idioma: por
Título da fonte: Research, Society and Development
Texto Completo: https://rsdjournal.org/index.php/rsd/article/view/15269
Resumo: Context: This work derives from a participatory research, developed through the implementation of a financial education program for a group of elderly people with an income of up to 2 minimum wages in the city of Palmas - TO. Objective: To discuss the effects of financial education on the financial knowledge and behavior of low-income elderly people. Method: With a qualitative approach, data collection was carried out through focus groups, with transcription and content analysis, as recommended by Bardin (2011). Results: The results showed that the elderly who participated in the program acquired new knowledge about planning and financial organization; developed strategies to organize the domestic budget seeking to reduce indebtedness; used financial control and savings tools to build a healthier habit on personal finances. Conclusion: Financial education practices can contribute to the creation of autonomy and empowerment for the elderly consumer.
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spelling The effects of financial education on consumer behavior: A study with low-income elderlyLos efectos de la educación financiera en el comportamiento del consumidor: Un estudio con ancianos de bajos ingresosOs efeitos da educação financeira no comportamento de consumo: Um estudo com idosos de baixa rendaEducación financieraComportamiento financieroAncianosConsumo.Educação FinanceiraComportamento financeiroIdososConsumo.Financial EducationFinancial behaviorSeniorsConsumption.Context: This work derives from a participatory research, developed through the implementation of a financial education program for a group of elderly people with an income of up to 2 minimum wages in the city of Palmas - TO. Objective: To discuss the effects of financial education on the financial knowledge and behavior of low-income elderly people. Method: With a qualitative approach, data collection was carried out through focus groups, with transcription and content analysis, as recommended by Bardin (2011). Results: The results showed that the elderly who participated in the program acquired new knowledge about planning and financial organization; developed strategies to organize the domestic budget seeking to reduce indebtedness; used financial control and savings tools to build a healthier habit on personal finances. Conclusion: Financial education practices can contribute to the creation of autonomy and empowerment for the elderly consumer.Contexto: Este trabajo deriva de una investigación participativa, desarrollada a través de la implementación de un programa de educación financiera para un grupo de personas mayores con ingresos de hasta 2 salarios mínimos en la ciudad de Palmas - TO. Objetivo: discutir los efectos de la educación financiera en el conocimiento y el comportamiento financiero de las personas mayores de bajos ingresos. Método: Con un enfoque cualitativo, la recolección de datos se realizó a través de grupos focales, con transcripción y análisis de contenido, según lo recomendado por Bardin (2011). Resultados: Los resultados mostraron que los adultos mayores que participaron del programa adquirieron nuevos conocimientos sobre planificación y organización financiera; desarrolló estrategias para organizar el presupuesto interno buscando reducir el endeudamiento; utilizó herramientas de ahorro y control financiero para desarrollar un hábito más saludable en las finanzas personales. Conclusión: Las prácticas de educación financiera pueden contribuir a la creación de autonomía y empoderamiento del consumidor mayor.Contexto: Este trabalho deriva de uma pesquisa participante, desenvolvida através da implementação de um programa de educação financeira para um grupo de idosos com renda de até 2 salários mínimos no município de Palmas - TO. Objetivo: Discutir os efeitos da educação financeira sobre o conhecimento e comportamento financeiros de idosos de baixa renda. Método: Com enfoque qualitativo, a coleta de dados foi realizada através de grupos focais, sendo feita a transcrição e a análise do conteúdo, conforme preconiza Bardin (2011). Resultados: Os resultados mostraram que os idosos que participaram do programa apropriaram-se de novos conhecimentos sobre planejamento e organização financeira; desenvolveram estratégias para organizar o orçamento doméstico buscando a redução do endividamento; utilizaram ferramentas de controle financeiro e poupança para a construção de um hábito mais saudável sobre as finanças pessoais. Conclusão: Práticas de educação financeira podem contribuir com a criação da autonomia e empoderamento do consumidor idoso.Research, Society and Development2021-05-14info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://rsdjournal.org/index.php/rsd/article/view/1526910.33448/rsd-v10i5.15269Research, Society and Development; Vol. 10 No. 5; e47710515269Research, Society and Development; Vol. 10 Núm. 5; e47710515269Research, Society and Development; v. 10 n. 5; e477105152692525-3409reponame:Research, Society and Developmentinstname:Universidade Federal de Itajubá (UNIFEI)instacron:UNIFEIporhttps://rsdjournal.org/index.php/rsd/article/view/15269/13611Copyright (c) 2021 Rafaela Aires Tavares Santos; Waldecy Rodrigues; Carine de Oliveira Nuneshttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessSantos, Rafaela Aires TavaresRodrigues, WaldecyNunes, Carine de Oliveira2021-05-17T18:20:49Zoai:ojs.pkp.sfu.ca:article/15269Revistahttps://rsdjournal.org/index.php/rsd/indexPUBhttps://rsdjournal.org/index.php/rsd/oairsd.articles@gmail.com2525-34092525-3409opendoar:2024-01-17T09:36:08.089524Research, Society and Development - Universidade Federal de Itajubá (UNIFEI)false
dc.title.none.fl_str_mv The effects of financial education on consumer behavior: A study with low-income elderly
Los efectos de la educación financiera en el comportamiento del consumidor: Un estudio con ancianos de bajos ingresos
Os efeitos da educação financeira no comportamento de consumo: Um estudo com idosos de baixa renda
title The effects of financial education on consumer behavior: A study with low-income elderly
spellingShingle The effects of financial education on consumer behavior: A study with low-income elderly
Santos, Rafaela Aires Tavares
Educación financiera
Comportamiento financiero
Ancianos
Consumo.
Educação Financeira
Comportamento financeiro
Idosos
Consumo.
Financial Education
Financial behavior
Seniors
Consumption.
title_short The effects of financial education on consumer behavior: A study with low-income elderly
title_full The effects of financial education on consumer behavior: A study with low-income elderly
title_fullStr The effects of financial education on consumer behavior: A study with low-income elderly
title_full_unstemmed The effects of financial education on consumer behavior: A study with low-income elderly
title_sort The effects of financial education on consumer behavior: A study with low-income elderly
author Santos, Rafaela Aires Tavares
author_facet Santos, Rafaela Aires Tavares
Rodrigues, Waldecy
Nunes, Carine de Oliveira
author_role author
author2 Rodrigues, Waldecy
Nunes, Carine de Oliveira
author2_role author
author
dc.contributor.author.fl_str_mv Santos, Rafaela Aires Tavares
Rodrigues, Waldecy
Nunes, Carine de Oliveira
dc.subject.por.fl_str_mv Educación financiera
Comportamiento financiero
Ancianos
Consumo.
Educação Financeira
Comportamento financeiro
Idosos
Consumo.
Financial Education
Financial behavior
Seniors
Consumption.
topic Educación financiera
Comportamiento financiero
Ancianos
Consumo.
Educação Financeira
Comportamento financeiro
Idosos
Consumo.
Financial Education
Financial behavior
Seniors
Consumption.
description Context: This work derives from a participatory research, developed through the implementation of a financial education program for a group of elderly people with an income of up to 2 minimum wages in the city of Palmas - TO. Objective: To discuss the effects of financial education on the financial knowledge and behavior of low-income elderly people. Method: With a qualitative approach, data collection was carried out through focus groups, with transcription and content analysis, as recommended by Bardin (2011). Results: The results showed that the elderly who participated in the program acquired new knowledge about planning and financial organization; developed strategies to organize the domestic budget seeking to reduce indebtedness; used financial control and savings tools to build a healthier habit on personal finances. Conclusion: Financial education practices can contribute to the creation of autonomy and empowerment for the elderly consumer.
publishDate 2021
dc.date.none.fl_str_mv 2021-05-14
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://rsdjournal.org/index.php/rsd/article/view/15269
10.33448/rsd-v10i5.15269
url https://rsdjournal.org/index.php/rsd/article/view/15269
identifier_str_mv 10.33448/rsd-v10i5.15269
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://rsdjournal.org/index.php/rsd/article/view/15269/13611
dc.rights.driver.fl_str_mv Copyright (c) 2021 Rafaela Aires Tavares Santos; Waldecy Rodrigues; Carine de Oliveira Nunes
https://creativecommons.org/licenses/by/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2021 Rafaela Aires Tavares Santos; Waldecy Rodrigues; Carine de Oliveira Nunes
https://creativecommons.org/licenses/by/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Research, Society and Development
publisher.none.fl_str_mv Research, Society and Development
dc.source.none.fl_str_mv Research, Society and Development; Vol. 10 No. 5; e47710515269
Research, Society and Development; Vol. 10 Núm. 5; e47710515269
Research, Society and Development; v. 10 n. 5; e47710515269
2525-3409
reponame:Research, Society and Development
instname:Universidade Federal de Itajubá (UNIFEI)
instacron:UNIFEI
instname_str Universidade Federal de Itajubá (UNIFEI)
instacron_str UNIFEI
institution UNIFEI
reponame_str Research, Society and Development
collection Research, Society and Development
repository.name.fl_str_mv Research, Society and Development - Universidade Federal de Itajubá (UNIFEI)
repository.mail.fl_str_mv rsd.articles@gmail.com
_version_ 1831934882754854912

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