Revista de Economia e Sociologia Rural
https://revistasober.org/article/doi/10.1590/1806-9479.2021.245649
Revista de Economia e Sociologia Rural
Artigo Original

Pobreza e tomada de decisão financeira: evidências de uma pesquisa em assentamentos rurais no estado de Tocantins

Poverty and financial decision-making: evidence from a survey of rural settlements in the state of Tocantins

Fernando Sérgio de Toledo Fonseca

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Resumo

Resumo: Uma vasta literatura recente na área de economia comportamental tem investigado como a pobreza afeta a tomada de decisão financeira, considerando vieses cognitivos no processo decisório individual. No Brasil, há pouquíssimos trabalhos empíricos que abordam a influência de vieses cognitivos na tomada de decisão das famílias pobres. O objetivo deste trabalho é avaliar empiricamente como as famílias pobres tomam decisões em relação à poupança. Foi realizada uma pesquisa de campo a partir de uma amostra intencional não probabilística em assentamentos rurais no norte do estado de Tocantins. Como estratégia para coleta de dados, foram realizadas entrevistas semiestruturadas com responsáveis da unidade familiar. Conclui-se que a baixa capacidade de aspiração e o viés do presente, potencializados pela condição de pobreza, comprometem severamente a capacidade de poupança e a tomada de decisão em relação ao futuro dessas famílias. As escolhas feitas perpetuam sua condição de pobreza. Desse modo, algumas lições e sugestões são extraídas do estudo para o aprofundamento de pesquisas futuras e o aprimoramento do desenho de políticas.

Palavras-chave

escolha intertemporal, poupança, pobreza rural

Abstract

Abstract: A vast recent literature in the area of behavioral economics has investigated how poverty affects financial decision-making, considering cognitive biases in the individual decision-making process. In Brazil, there are very few empirical studies that address the influence of cognitive biases on poor families' decision-making. This paper aims to empirically assess how poor families make savings decisions. Field research carried out from an intentional non-probabilistic sample in rural settlements in the northern state of Tocantins. As a strategy for data collection, semi-structured interviews were conducted with heads of the family unit. It is concluded that the low capacity to aspire and the present bias, enhanced by the condition of poverty, severely compromise the ability to save and make decisions regarding the future of these families. Their choices perpetuate their condition of poverty. In this way, some lessons and suggestions are extracted from the study to deepen future research and improve policy design.
 

Keywords

intertemporal choice, savings, rural poverty

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Submetido em:
16/11/2020

Aceito em:
27/07/2021

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