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O objetivo principal deste estudo passa por responder à questão: existe uma relação entre o endividamento e a qualidade de vida do indivíduo? Para alcançar este objetivo optou-se por recorrer a uma metodologia quantitativa. Para recolha dos dados foi criado um questionário baseado nos questionários OEC-DECO (Frade, 2013) e WHOQOL-BREF (Carona et al., 2006). Este estudo identificou uma relação positiva entre o endividamento (deter créditos bancários) e a qualidade de vida. Analisados os vários domínios da qualidade de vida (físico, psicológico, social e meio ambiente) e a qualidade de vida em geral chegou-se à conclusão de que para o domínio psicológico e para o domínio do meio ambiente a qualidade de vida é, em média, superior para as pessoas que detêm créditos. E ainda que, para o domínio psicológico, a qualidade de vida é, em média, superior para pessoas que têm simultaneamente crédito hipotecário e não hipotecário quando comparadas com pessoas sem créditos ou com pessoas com apenas crédito hipotecário. Quanto ao domínio físico não foi possível estabelecer uma relação de causa-efeito entre o endividamento e a qualidade de vida. Estudado o sobre-endividamento (deter prestações em atraso), para todos os domínios se verificou que, em média, a qualidade de vida das pessoas com crédito com prestações em atraso era substancialmente inferior à das pessoas com crédito, mas sem prestações em atraso.
The mains purpose of this study was to answer the following question: is there a relationship between indebtedness and quality of life? To achieve this objective quantitative methodology was used. For data collection, a questionnaire was created based on the OEC-DECO (Frade, 2013) and WHOQOL-BREF (Carona et al.,2006) questionnaires. This study identified a positive relationship between indebtedness (have credits) and quality of life. After analysing the various domains of quality of life (physical, psychological, social and environment) and the quality of life in general, it was concluded that for the psychological and the environment domains, quality of life is, on average, higher for people who hold credits. And also, for the psychological domain, the quality of life is, on average, higher for people who have both mortgage and non-mortgage credit when compared to people without credit or people with only mortgage credit. As for the physical domain, it was not possible to establish a cause-effect relationship between indebtedness and quality of life. After studying over-indebtedness (having arrears in instalments), for all the domains was found that, on average, the quality of life of over-indebtedness people was significant lower that those who are able to pay back their credits on time.
The mains purpose of this study was to answer the following question: is there a relationship between indebtedness and quality of life? To achieve this objective quantitative methodology was used. For data collection, a questionnaire was created based on the OEC-DECO (Frade, 2013) and WHOQOL-BREF (Carona et al.,2006) questionnaires. This study identified a positive relationship between indebtedness (have credits) and quality of life. After analysing the various domains of quality of life (physical, psychological, social and environment) and the quality of life in general, it was concluded that for the psychological and the environment domains, quality of life is, on average, higher for people who hold credits. And also, for the psychological domain, the quality of life is, on average, higher for people who have both mortgage and non-mortgage credit when compared to people without credit or people with only mortgage credit. As for the physical domain, it was not possible to establish a cause-effect relationship between indebtedness and quality of life. After studying over-indebtedness (having arrears in instalments), for all the domains was found that, on average, the quality of life of over-indebtedness people was significant lower that those who are able to pay back their credits on time.
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Palavras-chave
Crédito Endividamento Sobre-endividamento Qualidade de vida Credit Indebtedness Over-indebtedness Quality of life