Dissertação
Beneficiários do Programa Bolsa Família: uma análise sob a óptica comportamental e financeira em municípios gaúchos
Fecha
2016-02-02Registro en:
CAMPARA, Jéssica Pulino. Beneficiaries of the bolsa familia program: an analysis trhough the behavioral and financial perspectives in gaúchos municipalities. 2016. 184 f. Dissertação (Mestrado em Administração) - Universidade Federal de Santa Maria, Santa Maria, 2016.
Autor
Campara, Jéssica Pulino
Institución
Resumen
The Bolsa Familia Program (PBF) was developed to minimize the vulnerabilities of families without full survival conditions. However, even with this support, they are imposed to wide budgetary constraints, which praises the importance of efficient financial practices. Thus, this study aims to identify how the families from the Central Western Mesoregion of Rio Grande do Sul, which are benefited by the Bolsa Familia Program, manage their financial resources and how they perceive the attitude to indebtedness, financial literacy, financial well-being and global life satisfaction. To this, we applied 595 questionnaires, which were analyzed through descriptive statistics, confirmatory factor analysis and cluster analysis. The main results show the predominance of women, with low educational levels, employment and wage seasonality and wide budget constraints, that causes difficulties in the payment of monthly expenses and saving impossibility. As for behavioral factors, we verified average financial attitude, attitude to debt and financial well-being, positive financial behavior and high global life satisfaction. In the analysis of the first cluster, we realize groups of people with low financial knowledge levels, intermediary attitude and behavior and high attitude to debt, which are in a critical financial situation. In the second cluster, the most representative group has a high global life satisfaction and low financial well-being, which are facing many financial problems. As conclusions, the study highlights the need for greater educational contribution to beneficiaries with higher difficulties in managing their finances. In addition, it is clear that one of the purposes of the Federal Government with the PBF is being serviced, at least in the investigated region, where families are expanding their well-being. On the other hand, the benefit amount is still not enough for families to attend their financial needs, implying in low financial well-being level.