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Explorando os Determinantes do Bem-Estar Financeiro no Brasil

Author

Listed:
  • Guilherme de Oliveira Lima Cagliari Marques

    (Universidade Federal do ABC (UFABC))

  • Allyson Rafael de Almeida Gois

    (Universidade Federal do ABC (UFABC))

Abstract

This study addresses the determinants of financial well-being in Brazil by esti-mating the effects of individual characteristics, investments, and socioeconomic variables. The research was based on the Securities and Exchange Commission/Credit Protection Service (Comissão de Valores Mobiliários/Serviço de Proteção ao Crédito [CVM-SPC]) data survey carried out in 2019, which involved the main metropolitan regions of the country. By the identification of demanded financial products, we found signs of the importance of financial literacy on Brazilians, fi-nancial well-being. The results support the hypothesis that income is one of the main determinants of financial well-being and it also indicate clear evidence of differences in financial well-being between genders. Regional and educational aspects presented different results than expected, revealing that regional economic aspects are relevant in determining Brazilians, financial well-being.

Suggested Citation

  • Guilherme de Oliveira Lima Cagliari Marques & Allyson Rafael de Almeida Gois, 2022. "Explorando os Determinantes do Bem-Estar Financeiro no Brasil," Revista de Economia Mackenzie (REM), Mackenzie Presbyterian University, Social and Applied Sciences Center, vol. 19(1), pages 191-215, january-j.
    • Handle: RePEc:aft:journl:v:19:1:2022:jan:jun:p:191-215
    DOI: 10.5935/1808-2785/rem.v19n1p.191-215
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    More about this item

    Keywords

    financial well-being; financial literacy; behavioral finance; personal finance; socioeconomic variables.;
    All these keywords.

    JEL classification:

    • D69 - Microeconomics - - Welfare Economics - - - Other
    • G4 - Financial Economics - - Behavioral Finance
    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid
    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being

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