Os elementos antecedentes do endividamento e a satisfação com a vida

Abstract

Studies show that times of crisis often result in major changes in society. From this perspective, when observing consumer behavior in the search for understanding and analyzing consumer indebtedness, it was necessary to take into account the individual elements (hedonism, theory of planned behavior, impulsiveness, financial factors, and materialism) that are presented in several studies explained here, as antecedents to indebtedness. In addition, the research also seeks to verify the possible impact of indebtedness on the life satisfaction of young Brazilian university students. Thus, an explanatory model was created and tested. Using a descriptive approach, a questionnaire was developed in the Google Forms tool. At the end of the survey which was carried out between August and November 2020 through dissemination in social media, a sample of 350 elements was obtained. Data analysis was performed using multivariate statistical techniques. The conclusion was that the level of knowledge and financial skills negatively impacts a person's debt potential and influences a more conscious attitude towards the use of credit, leading to smaller and short-term debt. It was also concluded that the level of concern about debt impacts satisfaction with one's own life.