Microfinanças e comportamento financeiro dos pobres:Algumas Contribuições da Economia Comportamental / Microfinance and financial behavior of the poor:Some Contributions of Behavioral Economics

Roberta Muramatsu

Abstract


Este artigo busca examina as contribuições da agenda de pesquisa em economia comportamental para um melhor entendimento de um subconjunto das instituições de microfinança (rede de serviços financeiros para os indivíduos e grupos de baixa renda, comumente excluídos do sistema bancário convencional) chamada de micropoupança (microsavings). Para tanto, será apresentada e discutida a perspectiva de economia comportamental da pobreza. Adicionalmente, serão analisadas algumas evidências empíricas sobre as consequências positivas associadas ao fornecimento de serviços e produtos de poupança para os mais pobres. Finalmente, investigam-se as implicações da guinada comportamental para políticas de combate à pobreza e desenvolvimento.


Keywords


pobreza,micropoupança,economia comportamental, nudge, desenvolvimento

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DOI: https://doi.org/10.34117/bjdv6n5-251

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