Escala de Proteção e Risco de Superendividamento
construção e evidências de validade
DOI:
https://doi.org/10.1590/0102.3772e40503.pt%20Palavras-chave:
análise fatorial, validade, consumo, superendividamento, evidências de validadeResumo
O objetivo deste estudo é apresentar as evidências de validade da Escala de Proteção e Risco de Superendividamento (EPRIS). O instrumento foi construído para avaliar aspectos atitudinais (comportamentais, cognitivos e afetivos) que previnem ou estimulam o superendividamento, considerado um grave problema social. Participaram 444 adultos na modalidade online. A análise Fatorial Exploratória revelou a presença de dois fatores: proteção ao superendividamento (13 itens) e risco de superendividamento (21 itens), com bons níveis de ajuste. A validade de critério mostrou que ambos os fatores diferenciaram grupos quanto ao estresse autopercebido, preocupação financeira, presença/ausência de dívidas e perfil de consumo. Considera-se que a EPRIS tem o potencial de contribuir na formulação de políticas públicas voltadas à abordagem do fenômeno do superendividamento.
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Copyright (c) 2024 Ana Cláudia Almeida Machado, Profa. Eliane Seidl, Prof. Josemberg Andrade
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