O comportamento financeiro do consumidor durante uma pandemia

Abstract

RESUMO: O objetivo deste estudo foi analisar o comportamento financeiro do consumidor durante uma pandemia. Realizou-se uma pesquisa de caráter descritivo e quantitativo com corte transversal a partir de dados primários. Os dados foram coletados por meio do questionário aplicado a 743 respondentes que indicaram seus comportamentos antes e durante a pandemia Covid19. As informações foram analisadas por meio de estatística descritiva. Entre os achados, notou-se alteração de comportamento entre os consumidores, sugerindo que a pandemia Covid19 interferiu no comportamento financeiro do consumidor. A principal mudança foi notada no fator impulsividade financeira, seguida pela tensão financeira. Em contrapartida a gestão financeira apresentou resultados muito próximos em ambos os períodos, indicando que os cuidados e práticas que eram tomadas pelos indivíduos antes da pandemia, continuaram durante o período da pandemia também. Isto sugere que durante uma pandemia, consumidores tendem a diminuir a impulsividade financeira e aumentar a tensão, refletindo na mudança do seu comportamento financeiro.

ABSTRACT: The purpose of this study was to analyze the financial behavior of the consumer during a pandemic. A descriptive and quantitative cross-sectional study was conducted based on primary data. Data were collected through the questionnaire applied to 743 respondents who indicated their behaviors before and during the Covid pandemic19. The information was analyzed using descriptive statistics. Among the findings, there was a change in behavior among consumers, suggesting that the Covid19 pandemic interfered with the consumer's financial behavior. The main change was noted in the financial impulsivity factor, followed by financial tension. On the other hand, financial management presented very close results in both periods, indicating that the care and practices that were taken by individuals before the pandemic continued during the pandemic period as well. This suggests that during a pandemic, consumers tend to decrease financial impulsiveness and increase tension, reflecting on the change in their financial behavior. The purpose of this study was to analyze the financial behavior of the consumer during a pandemic. A descriptive and quantitative cross-sectional study was conducted based on primary data. Data were collected through the questionnaire applied to 743 respondents who indicated their behaviors before and during the Covid pandemic19. The information was analyzed using descriptive statistics. Among the findings, there was a change in behavior among consumers, suggesting that the Covid19 pandemic interfered with the consumer's financial behavior. The main change was noted in the financial impulsivity factor, followed by financial tension. On the other hand, financial management presented very close results in both periods, indicating that the care and practices that were taken by individuals before the pandemic continued during the pandemic period as well. This suggests that during a pandemic, consumers tend to decrease financial impulsiveness and increase tension, reflecting on the change in their financial behavior.