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A preferĂȘncia intertemporal face ao prazer de poupar e Ă dor de pagar
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Abstract(s)
O presente estudo encontra-se inserido na ĂĄrea da Psicologia EconĂłmica, mais
concretamente na temĂĄtica do comportamento do consumidor, e pretende contribuir para a
exploração de temas tão importantes e actuais como a escolha intertemporal e os
comportamentos face aos gastos e poupanças.
O principal objectivo de investigação consiste em averiguar em que medida a dor de
pagar e o prazer de poupar (frugalidade) estĂŁo associados Ă s preferĂȘncias intertemporais do
sujeito (impaciĂȘncia). TambĂ©m se pretende avaliar, atravĂ©s da escala de Scholten (2010), o
comportamento dos sujeitos face a escolhas monetårias hipotéticas, à luz das anomalias do
modelo DU.
Este Ă© um estudo correlacional que contempla trĂȘs medidas: a impaciĂȘncia (preferĂȘncia
intertemporal), o prazer de poupar (frugalidade) e a dor de pagar.
Com vista a responder ao problema de investigação, foram formuladas trĂȘs hipĂłteses.
A primeira hipĂłtese postula que os consumidores poupados deverĂŁo apresentar menores
nĂveis de impaciĂȘncia relativamente aos consumidores gastadores; quanto Ă segunda hipĂłtese,
espera-se que os consumidores mais frugais apresentem menores nĂveis de impaciĂȘncia
quando comparados aos consumidores menos frugais; e, por Ășltimo, estima-se atravĂ©s da
terceira hipĂłtese, que os consumidores mais frugais sejam mais poupados e menos gastadores
do que os consumidores menos frugais.
Os resultados sugerem a inexistĂȘncia de relaçÔes significativas entre a escolha
intertemporal e a dor de pagar, e de igual modo entre a primeira e o prazer de poupar. No
entanto, foi possĂvel constatar nĂŁo sĂł a existĂȘncia de relaçÔes significativas entre a dor de
pagar e o prazer de poupar (frugalidade), como também a presença das anomalias do modelo
DU na escala de Scholten (2010), tal como era esperado.
ABSTRACT: The present study is carried out in the Economic Psychology field, in the consumer behavior area, and aims to explore so important and current subjects such as intertemporal choice and behaviors related to saving and spending habits. The main goal of this research is to analyze in which way pain of paying and pleasure of saving (frugality) affects subjectsâ time preferences (impatience). Furthermore, it is also a purpose to evaluate subjectsâ behavior through hypothetical monetary choices and verify if the anomalies of DU Model are present in Scholten Scale (2010). This is a correlation study with three measures: impatience (time preference), pleasure of saving (frugality) and pain of paying. In order to answer the investigation problem, following hypothesis were formulated: spendthrifts should have lower levels of impatience than tightwads; frugal consumers should present lower levels of impatience when compared with less frugal consumers; and, finally, frugal consumers tend to be tighter and spendless with money in relation to less frugal consumers. Results suggest that there is no significant relation between intertemporal choice and pain of paying and also between intertemporal choice and pleasure of saving. On the other hand, it is possible to confirm, not only the existence of significant relationship between the pain of paying and the pleasure of saving, but also the evidence of the DU anomalies on Scholten Scale (2010), as expected.
ABSTRACT: The present study is carried out in the Economic Psychology field, in the consumer behavior area, and aims to explore so important and current subjects such as intertemporal choice and behaviors related to saving and spending habits. The main goal of this research is to analyze in which way pain of paying and pleasure of saving (frugality) affects subjectsâ time preferences (impatience). Furthermore, it is also a purpose to evaluate subjectsâ behavior through hypothetical monetary choices and verify if the anomalies of DU Model are present in Scholten Scale (2010). This is a correlation study with three measures: impatience (time preference), pleasure of saving (frugality) and pain of paying. In order to answer the investigation problem, following hypothesis were formulated: spendthrifts should have lower levels of impatience than tightwads; frugal consumers should present lower levels of impatience when compared with less frugal consumers; and, finally, frugal consumers tend to be tighter and spendless with money in relation to less frugal consumers. Results suggest that there is no significant relation between intertemporal choice and pain of paying and also between intertemporal choice and pleasure of saving. On the other hand, it is possible to confirm, not only the existence of significant relationship between the pain of paying and the pleasure of saving, but also the evidence of the DU anomalies on Scholten Scale (2010), as expected.
Description
Keywords
Comportamento do consumidor Escolha intertemporal Dor de pagar Frugalidade Consumer behavior Intertemporal choice Pain of paying Frugality