摘要：A presente pesquisa investigou fatores comportamentais e variáveis demográficas na propensão ao endividamento em Santana do Livramento-Brasil e Rivera-Uruguai. Os dados foram coletados por meio de um questionário estruturado, com escalas quantitativas para o endividamento, materialismo, percepção e comportamento de risco e demais questões de perfil. Em relação ao endividamento, tema central da pesquisa, percebeu-se que os respondentes apresentaram um comportamento mais conservador no que tange à propensão de adquirir dívidas, apresentando uma percepção de risco elevada e um comportamento de risco mais avesso. Em relação ao materialismo, os respondentes demonstraram uma tendência de adquirir bens para satisfazer os seus desejos. Este resultado pode estar associado com o perfil da Fronteira da Paz, ou seja, diversidade de produtos importados alinhado ao incentivo do turismo de compras. Ressalta-se, ainda, que dos aspectos que podem influenciar os indivíduos na propensão ao endividamento tem-se a ‘percepção de risco’ e a variável demográfica ‘idade’.
其他摘要：This research has investigated behavioral factors and demographic variables in the propensity for debt in Santana do Livramento, Brazil and Rivera, Uruguay. The data was collected through a structured questionnaire with quantitative scales for the debt, materialism, perception and risk behavior and other profile issues. In relation to the debt, the central theme of the research, it is perceived that the respondents have submitted a more conservative behavior as it pertains to propensity to incur debts, presenting a high risk perception and a more conservative behavior risk. In relation to materialism, the respondents demonstrated a tendency to purchase goods to satisfy their wishes. This result can be associated with the profile of the Peace Border that occurs due to the diversity of imported products aligned to shopping tourism incentive. We also emphasize that aspects that can influence individuals in the propensity for debt are the 'perception of risk' and the demographic variable 'age'. This research has investigated behavioral factors and demographic variables in the propensity for debt in Santana do Livramento, Brazil and Rivera, Uruguay. The data was collected through a structured questionnaire with quantitative scales for the debt, materialism, perception and risk behavior and other profile issues. In relation to the debt, the central theme of the research, it is perceived that the respondents have submitted a more conservative behavior as it pertains to propensity to incur debts , presenting a high risk perception and a more conservative behavior risk. In relation to materialism, the respondents demonstrated a tendency to purchase goods to satisfy their wishes. This result can be associated with the profile of the Peace Border that occurs due to the diversity of imported products aligned to shopping tourism incentive. We also emphasize that aspects that can influence individuals in the propensity for debt are the 'perception of risk' and the demographic variable 'age'.
关键词：Personal Finances; Propensity to Indebtedness; Behavioral Factors; Demographic Variables.
