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Universidade De São Paulo Faculdade De Economia, Administração E Contabilidade Departamento De Economia Programa De Pós-graduação Em Economia
| Content Provider | Semantic Scholar |
|---|---|
| Author | Ros, Eduardo Paulo, São |
| Copyright Year | 2012 |
| Abstract | FONSECA, Fernando Sérgio de Toledo. (2018). Poverty and decision making: evidence from a survey of settlements in Tocantins. Doctoral thesis. Faculdade de Economia, Administração e Contabilidade da Universidade de São Paulo. São Paulo. The purpose of this thesis is to empirically evaluate how poor households make decisions regarding savings. More specifically, it seeks to study the economic life of the poor families of rural settlements, in the north of the state of Tocantins. To achieve this purpose, four specific research objectives were designed as research axes. The first considers the development approach as freedom and expansion of the capacities of individuals as a fundamental aspect for analysis and study of poverty. The second objective addresses the study of the economic life of the poor in various dimensions. The third objective considers the main studies in the area of behavioral economics on the influences of cognitive barriers, especially the present bias, on financial decision making. Finally, the fourth objective analyzes the historical development and the socioeconomic context of the region where the field research was carried out. With regard to the data collection strategy, a field survey was carried out through semi-structured interviews with those responsible and co-responsible for the family unit. The main evidences of the thesis are: (a) the traditional farmer does not predominate in these settlements; (b) families adopt strategies to obtain different sources of income; (c) the deprivation of liberty of the settlers is linked, among other things, to the lack of access to essential public services; (d) the conversion of public lands into marketable financial assets in the market is a common practice among households; (e) health emergencies and financial needs add to the events resulting from the agrarian conflicts in the region; (f) the majority of households' financial transactions take place in imperfect markets with high transaction costs; (g) as a way of survival, families adopt strategies based on relationships of trust and reciprocity to consolidate social assets; (h) most households are excluded from the formal financial system and rely on informal creditors and non-monetary savings to meet short-term needs. It is concluded that the low capacity to aspire and the bias of the present, potentialized by the poverty condition, severely compromises the capacity of savings and decision making regarding the future of these families. The choices they make perpetuate their poverty condition. Thus, some lessons and suggestions are drawn from the study to deepen future research and improve policy design. |
| File Format | PDF HTM / HTML |
| Alternate Webpage(s) | https://teses.usp.br/teses/disponiveis/12/12138/tde-28072010-151057/publico/EduardoJardimDissertacao.pdf |
| Alternate Webpage(s) | https://teses.usp.br/teses/disponiveis/12/12140/tde-06122018-101225/publico/CorrigidoFernando.pdf |
| Language | English |
| Access Restriction | Open |
| Content Type | Text |
| Resource Type | Article |
