Propensão ao endividamento das mulheres no município de Sant’Ana do Livramento/RS

Abstract

Personal financial management has been a challenge for society, aggravated by Brazilian economic instability. In 2020, the Central Bank of Brazil registered 11.7 million Brazilians with credit overdue for more than 90 days. The immediate relationship with money also stands out, combined with offers of easy credit, especially through credit cards, factors which end up contributing to debt. As of April 2021, an increase in the number of women in default has been noted, in line with conclusions from previous research that indicate a greater female propensity for debt. This study aimed to analyze the propensity for debt among women in the municipality of Sant’Ana do Livramento/RS. For this, a quantitative analysis of a descriptive nature and the survey method were used. 378 questionnaires were obtained and answered by women living in the municipality between 18 and 59 years old. As main results, it is possible to highlight that 64.02% of women are in debt, mainly due to credit cards, with 21.49% of them having these debts in arrears. The main causes are easy access to credit and lack of planning. The majority spend equal to or more than they earn, 35.98% and 40.48% respectively, and few are able to save regularly, indicating high default rates and reinforcing the importance of financial planning. Furthermore, when examining the relationship between different factors and the propensity to debt, it was found that all the factors used present positive correlations, with the propensity to debt being fully correlated, the most impactful being Stability (0.324) and Worry (0.415), followed by Social Status (0.134), Power (0.144), Pleasure (0.123) and Budget (0.123). These associations indicate a strong influence on the propensity to take on debt.