CONSUMER CREDIT AND ITS HARMS AND BENEFITS FOR SOCIETY: AN INTERPRETATIVE STUDY FROM THE PERSPECTIVE OF THE ELDERLY AS CONSUMERS

Authors

  • Gustavo Tomaz de Almeida Doutorando em Administração pela Pontifícia Universidade Católica de Minas Gerais – PUC Minas, Brasil. Professor efetivo na Universidade do Estado de Minas Gerais (UEMG) – Depto de Gestão, Brasil. E-mail: gustavo.almeida@uemg.br Orcid: https://orcid.org/0000-0001-6321-168X R. Major Lopes, 574 - São Pedro, Belo Horizonte - MG, 30330-050
  • Fernanda Caroline Chagas Ferrão Centro Universitário de Belo Horizonte / UNI-BH - Instituto de Ciências Sociais Aplicadas - Curso de Ciências Contábeis
  • Jonathan Avelino da Silva Centro Universitário de Belo Horizonte / UNI-BH - Instituto de Ciências Sociais Aplicadas - Curso de Ciências Contábeis
  • Bruno Medeiros Ássimos Doutorando em Administração pela Pontifícia Universidade Católica de Minas Gerais – PUC Minas, Brasil. Universidade Federal de Viçosa - Campus Florestal, Depto de Administração, Brasil. E-mail: bruno.assimos@gmail.com ORCID: https://orcid.org/0000-0003-4699-8753 Rod. MG-A, 505, Florestal - MG, 35690-000

DOI:

https://doi.org/10.14210/alcance.v25n3(Set/Dez).p381-401

Keywords:

Elderly, Credit Consumption, Marketing and Society.

Abstract

Consumer credit is a topic that has interested international researchers, although there is still plenty of room for discussion about its relationships in the national context and from the perspective of Marketing and Society. This article aims to understand the consumer credit among the elderly, pointing, among other factors, the benefits and/or losses of this relationship. Methodologically, we chose a qualitative work - individual in-depth interviews with twelve elderly people (seventy-three hours of video and 1,396 pages of transcription). The data were interpreted through Content Analysis, forming three categories: financial and life independence, the elderly and their relations with financial services, and divergences in the narratives of the participants - which points to groups of elderly people according to how they consume credit. As results and contributions, and unlike most of the previous work, what is noticed is that credit assumes a particular symbolic dimension in this phase of life, while questioning the practices of some organizations that lead the elderly to consume the credit in an excessive way.

Author Biographies

Gustavo Tomaz de Almeida, Doutorando em Administração pela Pontifícia Universidade Católica de Minas Gerais – PUC Minas, Brasil. Professor efetivo na Universidade do Estado de Minas Gerais (UEMG) – Depto de Gestão, Brasil. E-mail: gustavo.almeida@uemg.br Orcid: https://orcid.org/0000-0001-6321-168X R. Major Lopes, 574 - São Pedro, Belo Horizonte - MG, 30330-050

Doutorando em Administração pela Pontifícia Universidade Católica de Minas Gerais – PUC Minas, Brasil. Professor efetivo na Universidade do Estado de Minas Gerais (UEMG) – Depto de Gestão, Brasil. E-mail: gustavo.almeida@uemg.br Orcid: https://orcid.org/0000-0001-6321-168X R. Major Lopes, 574 - São Pedro, Belo Horizonte - MG, 30330-05

Fernanda Caroline Chagas Ferrão, Centro Universitário de Belo Horizonte / UNI-BH - Instituto de Ciências Sociais Aplicadas - Curso de Ciências Contábeis

Centro Universitário de Belo Horizonte / UNI-BH - Instituto de Ciências Sociais Aplicadas - Curso de Ciências Contábeis

Jonathan Avelino da Silva, Centro Universitário de Belo Horizonte / UNI-BH - Instituto de Ciências Sociais Aplicadas - Curso de Ciências Contábeis

Centro Universitário de Belo Horizonte / UNI-BH - Instituto de Ciências Sociais Aplicadas - Curso de Ciências Contábeis

Bruno Medeiros Ássimos, Doutorando em Administração pela Pontifícia Universidade Católica de Minas Gerais – PUC Minas, Brasil. Universidade Federal de Viçosa - Campus Florestal, Depto de Administração, Brasil. E-mail: bruno.assimos@gmail.com ORCID: https://orcid.org/0000-0003-4699-8753 Rod. MG-A, 505, Florestal - MG, 35690-000

Doutorando em Administração pela Pontifícia Universidade Católica de Minas Gerais – PUC Minas, Brasil. Universidade Federal de Viçosa - Campus Florestal, Depto de Administração, Brasil. E-mail: bruno.assimos@gmail.com ORCID: https://orcid.org/0000-0003-4699-8753 Rod. MG-A, 505, Florestal - MG, 35690-000

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Published

2019-02-28

Issue

Vol. 25 No. 3(Set/Dez) (2018)

Section

Article

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