Abstract

POTRICH, ANI CAROLINE GRIGION; VIEIRA, KELMARA MENDES; CORONEL, DANIEL ARRUDA  and  BENDER FILHO, REISOLI. MODELING AN INDEBTEDNESS TENDENCY:: ARE IMPORTANT BEHAVIORAL AND SOCIOECONOMIC FACTORS?. Rev.fac.cienc.econ. [online]. 2016, vol.24, n.2, pp.85-110. ISSN 0121-6805.  https://doi.org/10.18359/rfce.2224.

This study analyzes the influence of behavioral factors and socioeconomic and demographic variables on the tendency to debt. For this purpose an investigation was conducted from 2,391 surveys. Based on the answers factor analysis was used to validate the factors of materialism and compulsive buying. With the estimation of a multinomial logit model the influence of these factors and socioeconomic and demographic in the propensity to debt variables was analyzed. The main results suggest that the poorer materialistic and compulsive shopping behavior of the individual, the greater the propensity to debt. And those with dependents, do not have an occupation, have lower levels of age, education and family income are those with greater propensity to debt. Among the significant variables a Compulsive shopping factor is highlighted, showing that the greater the control of the compulsive shopping behavior of the individual, the lower their propensity to debt.

Keywords : Propensity to indebtedness; Multinomial logit; Compulsive shopping; Materialism; Socioeconomic and demographic variables.

        · abstract in Portuguese | Spanish     · text in Portuguese     · Portuguese ( pdf )