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Advisor(s)
Abstract(s)
Embora Portugal seja um país onde tradicionalmente se mantinham elevados níveis de poupança, essa
tendência esbateu-se na década passada, fruto de factores diversos e de uma realidade sócio-económica menos
favorável. Todavia, na presente conjuntura económica reveste-se de particular importância a adopção de compor-
tamentos de poupança. É, por isso, necessário compreender claramente os factores que estão na sua origem.
Neste estudo, que envolveu uma amostra de 835 portugueses, procurámos investigar a relação entre as motivações
de poupança e os comportamentos de poupança dos portugueses. Os resultados indicam que as motivações de pou-
pança estão relacionadas com a percepção da capacidade de gestão financeira, com a elaboração de um orçamento
familiar e com a frequência de poupança dos agregados familiares em Portugal.
ABSTRACT: Traditionally, in Portugal was maintained a high level of savings, albeit this trend has become blurred in the last decade, due to several factors and a less favorable socio-economical situation. The present Portuguese socio-economic environment, marked by a crisis setting, demands a higher attention to savings behavior in order to stimulate it. Therefore, it is important to understand the key variables that are in its origin, either for economists as for policy makers. In this study, a sample of 835 Portuguese was used to research how saving motives are related to savings behavior in Portugal. The results indicate that saving motives are interconnected with the financial management ability per- ception, with the household budget and with savings’ frequency of the households.
ABSTRACT: Traditionally, in Portugal was maintained a high level of savings, albeit this trend has become blurred in the last decade, due to several factors and a less favorable socio-economical situation. The present Portuguese socio-economic environment, marked by a crisis setting, demands a higher attention to savings behavior in order to stimulate it. Therefore, it is important to understand the key variables that are in its origin, either for economists as for policy makers. In this study, a sample of 835 Portuguese was used to research how saving motives are related to savings behavior in Portugal. The results indicate that saving motives are interconnected with the financial management ability per- ception, with the household budget and with savings’ frequency of the households.
Description
Keywords
Poupança Comportamento dos consumidores Gestão financeira Savings Consumer behaviour Financial management
Citation
Antunes, A.C. & Calado, J.P. (2012). Diz-me porque poupas, dir-te-ei como te comportas: Uma análise das motivações e dos comportamentos de poupança em Portugal. IBER : International Business and Economics Review , 42-56. http://hdl.handle.net/10437/5360