Porque eu mereço: uma análise do endividamento dos jovens adultos no munícipio de João Pessoa

Abstract

This research aimed to analyze phenomena related to the indebtedness of young adults in the municipality of João Pessoa, investigating dimensions such as impulsive buying, compulsive buying, financial literacy, and credit card usage regarding the financial behavior of individuals aged 18 to 35. The study employed a descriptive quantitative approach, with data collected via a structured electronic questionnaire (Google Forms) administered to 101 respondents. The results were organized into tables, followed by a descriptive analysis that outlined the sample's sociodemographic profile, consumption habits, and financial planning practices. It was observed that credit cards are widely used by the majority of respondents; however, a significant portion understands the importance of maintaining control over their finances and practicing conscious consumption. In light of these findings, it is concluded that financial literacy is crucial for curbing indebtedness; nevertheless, it is not the sole determinant in preventing impulsive buying behaviors, as other factors—including psychological and behavioral phenomena—must be considered to fully understand the financial choices made by young adults.