A influência de padrões de consumo na inadimplência de jovens consumidores

Abstract

The research analyzed how consumption patterns influence default among young consumers, considering behavioral, social, and economic factors. The study is justified by the expansion of digital credit and the intensification of consumption practices mediated by social media, which stimulate immediacy and the use of credit as an extension of income. A quantitative approach was adopted conducted through a survey with the administration of an online questionnaire applied to 140 young people from the state of Piauí, allowing the identification of consumption profiles, financial habits, and debt levels. The results showed that most participants display impulsive buying behavior, limited financial planning, and difficulty controlling expenses, indicating low financial literacy. Promotions, necessity, and self-care were the main purchasing motivators, while credit cards and digital platforms stood out as the main credit tools. The lack of planning and impulsivity were directly related to default, showing that young people's financial behavior is strongly influenced by emotional and sociocultural factors. The results indicate that financial education is fundamental for preventing indebtedness and for fostering more conscious and sustainable consumption habits, as well as supporting managers and educators in the development of programs aimed at preventing youth indebtedness.