CONSUMO E ENDIVIDAMENTO ENTRE JOVENS DE NAVIRAÍ: Um Estudo sobre Comportamento Financeiro e Influências Digitais

Abstract

This article analyzes the consumption patterns that can contribute to the debt of young people in the city of Naviraí (MS). In this way, the research addresses the significant increase in this debt, influenced by impulsive consumption and exposure to social media. The main objective is to identify the causes and consequences of debt, thus suggesting mitigation strategies. A quantitative methodology was used, applying quantitative questionnaires to 193 young people, through which data on income, expenses and use of credit were collected, in addition to exploring perceptions of individual experiences on the topic. The results indicate that many young people make impulse purchases, often using credit cards and online purchases, without considering the long-term financial consequences. Those with lower or unstable incomes demonstrate greater dependence on credit, increasing the risk of debt. The influence of media nowadays stands out, as consumption is encouraged by targeted advertising and attractive promotions, which intensifies the temptation for impulsive spending.