Avaliação da socialização financeira familiar: uma revisão integrativa da literatura

Lídia Käfer Schünke; Clarisse Pereira Mosmann

doi:10.23925/2594-3871.2022v31i2p358-384

Autores/as

Lídia Käfer Schünke Universidade do Vale do Rio dos Sinos https://orcid.org/0000-0002-3770-5982
Clarisse Pereira Mosmann Universidade do Vale do Rio dos Sinos http://orcid.org/0000-0002-9275-1105

DOI:

https://doi.org/10.23925/2594-3871.2022v31i2p358-384

Palabras clave:

Socialización Financiera Familiar, Relaciones Familiares, Psicología Económica

Resumen

El objetivo de este estudio fue realizar una revisión integradora de la literatura sobre Socialización Financiera Familiar (SFF) desde la perspectiva de la psicología y las relaciones familiares. Para comprender cómo se define y evalúa el SFF, la revisión siguió las recomendaciones del método PRISMA. Se realizó una búsqueda de artículos científicos con un diseño cuantitativo en inglés, portugués y español en las bases de datos Scopus, PsychNET, Web of Science, Science Direct, Redalyc, Lilacs, Pepsic, Scielo y Ebscohost, publicados entre 2010 y 2020. Los resultados muestran una prevalencia de estudios realizados en EEUU, con población adulta y desde una perspectiva individual. No se encontraron estudios brasileños. Se concluye que la SFF se asocia a resultados importantes en la edad adulta, pero aún existe una falta instrumental para medir el constructo, así como importantes vacíos en la comprensión y evaluación de aspectos que conforman la dimensión implícita de SFF.

Métricas

Cargando métricas ...

Biografía del autor/a

Lídia Käfer Schünke, Universidade do Vale do Rio dos Sinos

Psicóloga, Mestre em Psicologia Clínica e Doutoranda em Psicologia Clínica pela Universidade do Vale do Rio dos Sinos, São Leopoldo, Bolsista da Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES); Pesquisadora do Núcleo de Estudos em Casais e Familias (NECAF) Universidade do Vale do Rio dos Sinos, São Leopoldo/RS

Clarisse Pereira Mosmann, Universidade do Vale do Rio dos Sinos

Psicóloga, Doutora em Psicologia pela Pontifícia Universidade Católica do Rio Grande do Sul (PUCRS), Pós-doutorado na Universidade de Girona e na UFRGS, especialista em Terapia de Casal e Família pela Escuela de Formación en Terapia Familiar - STIRPE. Coordenadora Executiva do Programa de Pós-Graduação e Professora do Curso de Psicologia da Universidade do Vale do Rio dos Sinos (UNISINOS). Coordenadora do Núcleo de Estudos em Casais e Famílias (NECAF), Universidade do Vale do Rio dos Sinos, São Leopoldo/RS.

Citas

Agnew, S. (2018). Empirical measurement of the financial socialization of children by parents. Young Consumers, 19(4), 421-431. doi:10.1108/yc-07-2017-00717

Alhabeeb, M. J. (2002). On the development of consumer socialization of children. Academy of Marketing Studies Journal, 6(1), 9-14.

Barton, A. W., & Bryant, C. M. (2016). Financial strain, trajectories of marital processes, and African American newlyweds’ marital instability. Journal of Family Psychology, 30(6), 657–664. doi:10.1037/fam00 00190

Batista-Foguet, J. M., Coenders, G., & Alonso J. (2004). Análisis Fatorial Confirmatória: Su utilidad em la validación de Cuestionarios relacionados a la salud. MedClin(Barc), 122, 21-27.

Bauer, M. W. (2008). Análise de conteúdo clássica: uma revisão. In Bauer, M. W., Gaskell, G. (Eds), Pesquisa qualitativa com texto, imagem e som: um manual prático (pp 189-217). Petrópolis, RJ: Vozes.

Bessa, S., Fermiano, M.B., & Denegri, M.C. (2014). Compreensão econômica de estudantes entre 10 e 15 anos. Psicologia e Sociedade, 26(2), 410-419. doi: 10.1590/S0102-71822014000200017

Borsa, J. C., Damásio, B. F., & Bandeira, D. R. (2012). Adaptação e validação de instrumentos psicológicos entre culturas: algumas considerações. Paidéia, 22(53), 423-432. doi: 10.1590/S0103-863X2012000300014

Botelho, L. L. R., Cunha, C. C. A., & Macedo, M. (2011). O método da revisão integrativa nos estudos organizacionais. Gestão e Sociedade, 5(11), 121–136. doi: 10.21171/ges.v5i11.1220

Brasil. Presidência da República (2020). Medida Provisória nº 919, de 30 de janeiro de 2020. Recuperado de: https://pesquisa.in.gov.br/imprensa/jsp/visualiza/index.jsp?data=31/01/2020&jornal=515&pagina=1

Bronfenbrenner, U., Arastah, J., Hetherington, M., Lerner, R., Mortimer, J. T., Pleck, J. H., … Slaughter, D. (1986). Ecology of the Family as a Context for Human Development: Research Perspectives. Developmental Psychology, 22(6), 723-742.

Carter, B. & McGoldrick, M. (1995). As mudanças no ciclo de vida familiar. Porto Alegre, RS: Artes Médicas.

Cho, S. H., Gutter, M., Kim, J., & Mauldin, T. (2012). The effect of socialization and information source on financial management behaviors among low- and moderate-income adults. Family and Consumer Sciences Research Journal, 40(4), 417–430. doi:10.1111/j.1552-3934.2012.02120.x

Chowa, G. A. N., & Despard, M. R. (2014). The influence of parental financial socialization on youth’s financial behavior: evidence from Ghana. Journal of Family and Economic Issues, 35(3), 376–389. doi:10.1007/s10834-013-9377-9

Confederação Nacional do Comércio de Bens e Turismo [CNC]. (2020). Pesquisa de Endividamento e Inadimplência do Consumidor – PEIC. Recuperado de: http://cnc.org.br/sites/default/files/2020-09/An%C3%A1lise%20Peic%20-%20agosto%20de%202020.pdf

Curran, M. A., Parrott, E., Ahn, S. Y., Serido, J., & Shim, S. (2018). Young adults’ life outcomes and well-being: perceived financial socialization from parents, the romantic partner, and young adults’ own financial behaviors. Journal of Family and Economic Issues, 39(3), 445–456. doi:10.1007/s10834-018-9572-9

Danes, S. M. (1994). Parental perceptions of children’s financial socialization. Financial Counseling and Planning, 5, 127–149.

D’Aquino, C. (2008). Educação financeira: como educar seus filhos. Rio de Janeiro: Elsevier.

Deller, S., & Parr, J. (2021). Does student loan debt hinder community well-being?. International Journal of Community Well-Being, 4, 263-285 doi:10.1007/s42413-020-00107-1

Fitzsimmons, V. S., Hira, T. K., Bauer, J. W., & Hafstrom, J. L. (1993). Financial management: development of scales. Journal of Family and Economic Issues, 14(3), 257–274. doi:10.1007/BF01022180

Furnham, A., Wilson, E., & Telford, K. (2012). The meaning of money: the validation of a short money-types measure. Personality and Individual Differences, 52 (6), 707–711. doi:10.1016/j.paid.2011.12.020

Gąsiorowska, A. (2007). Postawy wobec pieniędzy u rodziców i ich dzieci. O rolipierwotnej socjalizacji ekonomicznej w kształtowaniu stosunku do pieniędzy.[Parents’and children’s attitudes towards money. The role of primary economic socialization in shaping attitudes to money].Psychologia Edukacja ISpołeczeństwo, 4(3), 245–260.

Grohmann, A., Kouwenberg, R., & Menkhoff, L. (2015). Childhood roots of financial literacy. Journal of Economic Psychology, 51, 114–133. doi: 10.1016/j.joep.2015.09.002

Grusec, J. E., & Hastings, P. D. (2015). In J. E. Grusec & P. D. Hastings (Eds.), Handbook of socialization: Theory and research (pp. 11–12). New York: Guilford Press.

Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: theory and critical review. Journal of Family and Economic Issues, 32(4), 644-677. doi:10.1007/s10834-011

Gutter, M. S., Garrison, S., & Copur, Z. (2010). Social learning opportunities and the financial behaviors of college students. Family and Consumer Sciences Research Journal, 38(4), 387–404. doi:10.1111/j.1552-3934.2010.00034.x

Hameister, B. R., Barbosa, P. V., & Wagner, A. (2015). Conjugalidade e parentalidade: uma revisão sistemática do efeito spillover. Arquivos Brasileiros de Psicologia, 67(2), 140-155. Recuperado de: http://pepsic.bvsalud.org/scielo.php?script=sci_arttext&pid=S180952672015000200011&lng=pt&tlng=pt

Jin, N., & Chen, Z. (2019). Comparing financial socialization and formal financial education: Building financial capability. Social Indicators Research, 149(1), 641-656. doi: 10.1007/s11205-019-02248-z

Jorgensen, B. L., Rappleyea, D. L., Schweichler, J. T., Fang, X., & Moran, M. E. (2017). The financial behavior of emerging adults: a family financial socialization approach. Journal of Family and Economic Issues, 38(1), 57–69. doi:10.1007/s10834-015-9481-0

Jorgensen, B. L., & Savla, J. (2010). Financial literacy of young adults: The importance of parental socialization. Family Relations, 59(4), 465–478. doi:10.1111/j.1741-3729.2010.00616.x

Kagotho, N., Nabunya, P., Ssewamala, F., Mwangi, E. N., & Njenga, G. (2017). The role of family financial socialization and financial management skills on youth saving behavior. Journal of Adolescence, 59, 134–138. doi: 10.1016/j.adolescence.2017.05.013

Kim, J. H., & Torquati, J. (2019). Financial socialization of college students: domain-general and domain-specific perspectives. Journal of Family and Economic Issues, 40(2), 226-236. doi:10.1007/s10834-018-9590-7

Lanz, M., Sorgente, A., & Danes, S. M. (2019). Implicit family financial socialization and emerging adults’ financial well-being: a multi-informant approach. Emerging Adulthood, 8(6), 443-452. doi:10.1177/2167696819876752

Lauer-Leite, I. D., Magalhães, C. M. C., Lordelo, E. R., & Lelis, I. L. (2010). Socialização econômica: conhecendo o mundo econômico das crianças. Estudos de Psicologia, 15(2), 145-152. doi: 10.1590/S1413-294X2010000200003

Lunt, P. (1996). Discourses of savings. Journal of Economic Psychology, 17, 677-690.

Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial literacy among the young. The Journal Of Consumer Affairs, 44(2), 358-380. doi:10.1111/j.1745-6606.2010.01173.x .

Mandell, L. (2008). Financial literacy of high school students. In Xiao, J. J. (Ed.),Handbook of consumer finance research (pp. 163–184). New York: Springer

Minuchin, S. (1990). Famílias, funcionamento e tratamento. Porto Alegre, RS: Artes Médicas.

Moher, D., Liberati, A., Tetzlaff, J., Altman, D. G., Tugwell, P. (2009). Preferred reporting items for systematic reviews and meta-analyses: the PRISMA statement. PLoS Medicine. doi: 10.1371/journal.pmed.1000097

Moreno-Herrero, D., Salas-Velasco, M., & Sánchez-Campillo, J. (2018). Factors that influence the level of financial literacy among young people: the role of parental engagement and students’ experiences with money matters. Children and Youth Services Review, 95, 334–351. doi:10.1016/j.childyouth.2018.10.042

Norvilitis, J. M., & MacLean, M. G. (2010). The role of parents in college students’ financial behaviors and attitudes. Journal of Economic Psychology, 31(1), 55–63. doi 10.1016/j.joep.2009.10.003

OECD/INFE (2015). National strategies for financial education: OECD / INFE Policy Handbook. Paris: OECD Publishing.

Otto, A. M. C. (2009). The Economic Psychology of Adolescent Saving (Tese de doutorado, Universidade de Exeter, Bristol, Inglaterra). Recuperado de: https://ore.exeter.ac.uk/repository/bitstream/handle/10036/83873/OttoA.pdf.

Otto, A. (2013). Saving in childhood and adolescence: Insights from developmental psychology. Economics of Education Review, 33, 8–18. doi:10.1016/j.econedurev.2012.09.005

Palaci, F., Jiménez, I., & Topa, G. (2017). Economic cognitions among older adults: parental socialization predicts financial planning for retirement. Frontiers in Aging Neuroscience, 9(21), 376-390. doi:10.3389/fnagi.2017.00376

Papalia, D. E., Olds, S. W., & Feldman, R. D. (2010) Desenvolvimento humano. São Paulo, SP: McGraw-Hill.

Robertson-Rose, L. (2020). Because my father tolde me to: exploratory insights into parental influence on the retirement savings behavior of adult and children. Journal of Family and Economic Issues, 41(2), 364-376. doi:10.1007/s10834-019-09643-1

Romo, L. K. (2011). Money talks: revealing and concealing financial information in families. Journal of Family Communication, 11(4), 264–281. doi: 10.1080/15267431.2010.544634

Romo, L. K., & Vangelisti, A. L. (2014). Money matters: children’s perceptions of parent-child financial disclosure. Communication Research Reports, 31(2), 197–209. doi:10.1080/08824096.2014.907147

Rossi, P., Carmo, H., Marçal, E., Silber, D. S., & Schwartsman, A. (2015, 27 de novembro). G1 explica a inflação. G1 Economia. Recuperado de http://g1.globo.com/economia/inflacao-como-os-governos-controlam/platb/cate gory/sem-categoria/#:~:text=Dados%20da%20Funda%C3%A7%C3%A3o% 20Instituto%20de,subiu%20para%20499%2C2%25.

Savoia, J. R., Saito, A., & Santana, F. (2007). Paradigmas da educação financeira no Brasil. Revista de Administração Pública, 41(6), 1121-1141. doi:10.1590/S0034-76122007000600006

Serido, J., Curran, M. J., Wilmarth, M., Ahn, S. Y., Shim, S., & Ballard, J. (2015). The unique role of parents and romantic partners on college students’ financial attitudes and behaviors. Family Relations, 64(5), 696–710. doi:10.1111/fare.12164

Serido, J., LeBaron, A. B., Li, L., Parrott, E., & Shim, S. (2020). The lengthening transition to adulthood: financial parenting and recentering during the college to career transition. Journal of Family Issues, 41(9), 1626–1648. doi:/10.1177/0192513X19894662

Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial socialization of first-year college students: the roles of parents, work, and education. Journal of Youth and Adolescence, 39(12), 1457–1470. doi:10.1007/s10964-009-9432-x

Shim, S., Serido, J., Bosch, L., & Tang, C. (2013). Financial identity‐processing styles among young adults: a longitudinal study of socialization factors and consequences for financial capabilities. The Journal of Consumer Affairs, 47(1), 128-152. doi: 10.1111/joca.12002

Shim, S., Serido, J., Tang, C., & Card, N. (2015). Socialization processes and pathways to healthy financial development for emerging young adults. Journal of Applied Developmental Psychology, 38, 29–38. doi:10.1016/j.appdev.2015.01.002.

Thung, C. M., Kai, C. Y., Nie, F. S., Chiun, L. W., & Tsen, T. C. (2012). Determinants of saving behaviour among the university students in Malaysia (Trabalho de Conclusão de Curso, Universidade Tunku Abdul Raman, Malasia). Recuperado de: http://eprints.utar.edu.my/607/1/AC-2011-0907445.pdf

Trzcińska, A., & Goszczyńska, M. (2015). El rol de las madres en la socialización ecónomica del comportamiento de ahorro de los adolescentes polacos. Revista de Psicologia Social, 30(2), 351–381. doi:10.1080/21711976.2015.1016757

Urban, C., Schmeiser, M., Collins, J. M., & Brown, A. (2015). State financial education mandates: It’s all in the implementation. Washington, DC: FINRA Investor Financial Education Foundation.

U.S. Board of Governors of the Federal Reserve System. (2020). Student loans owned and securitized, outstanding, total revolving credit owned and securitized, outstanding, motor vehicle loans owned and securitized, outstanding. Federal Reserve Bank of St. Louis. Recuperado de: https://fred.stlouisfed.org/series/

Vosylis, R., & Erentaitė, R. (2019). Linking family financial socialization with its proximal and distal outcomes: which socialization dimensions matter most for emerging adults’ financial identity, financial behaviors, and financial anxiety? Emerging Adulthood, 86(6), 464-475. doi:10.1177/2167696819856763

Walsemann, K. M., Ailshire, J. A., & Hartnett, C. S. (2020). The other student debt crisis: how borrowing to pay for a child’s college education relates to parents’ mental health at midlife. J Gerontol B Psychol Sci Soc Sci, 75(7), 1494-1503. doi: 10.1093/geronb/gbz146

Zelizer, V. A. (2011). A negociação da intimidade, Brasil: Vozes.

Zhu, A. Y. F. (2018). Parental socialization and financial capability among chinese adolescents in Hong-Kong. Journal of Family and Economic Issues, 39(4), 566–576. doi:10.1007/s10834-018-9584-5