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Estudo sobre segmentação de mercado consumidor por atitude e atributos ecológicos de produtos; Study about market segmentation by attitude and consumer good´s ecologically characteristics.

Motta, Sergio Luis Stirbolov
Fonte: Biblioteca Digitais de Teses e Dissertações da USP Publicador: Biblioteca Digitais de Teses e Dissertações da USP
Tipo: Tese de Doutorado Formato: application/pdf
Publicado em 29/05/2009 PT
Relevância na Pesquisa
66.19%
Este estudo pretendeu verificar se a combinação das variáveis atitude e atributos ecologicamente corretos de bens de consumo pode ser utilizada como base para a segmentação de mercado. Para satisfazer a essa proposição, buscou-se, primeiramente, o domínio da teoria disponível sobre os temas a ela relacionados, que serviu de base à pesquisa de campo. Esta teve um caráter quantitativo e foi do tipo descritivo, com método do estudo de campo; utilizou uma amostra não-probabilística por conveniência de estudantes e professores de uma universidade da cidade de São Paulo-SP, que expressaram suas opiniões por autopreenchimento de um instrumento de coleta de dados estruturado e disfarçado. A análise dos dados deu-se através da aplicação de três técnicas multivariadas: Análise Fatorial, Análise de Conglomerados e Análise de Correspondência. A primeira foi bem sucedida em seu propósito principal, já que foi possível reduzir o conjunto de variáveis a dois fatores; os escores fatoriais funcionaram como entradas à Análise de Conglomerados. Esta também foi bem sucedida, pois a grande maioria das simulações realizadas combinando as medidas de similaridade com os métodos de aglomeração gerou conglomerados, o que permitiu responder favoravelmente ao problema de pesquisa; uma das combinações - Quadrado da Distância Euclideana com within groups foi considerada a mais satisfatória e utilizada como base para a próxima técnica...

Comportamento do consumidor de alimentos no Brasil: um estudo sobre a carne suína; Food consumer behavior in Brazil: a study about pork

Saab, Maria Stella Beregeno Lemos de Melo
Fonte: Biblioteca Digitais de Teses e Dissertações da USP Publicador: Biblioteca Digitais de Teses e Dissertações da USP
Tipo: Tese de Doutorado Formato: application/pdf
Publicado em 01/04/2011 PT
Relevância na Pesquisa
36.29%
Consumidor é o agente econômico que faz girar toda e qualquer atividade na sociedade, seja um bem, serviço ou qualquer forma de produção que se possa gerar. Assim, de sua vontade dependem a manutenção, o sucesso ou o fracasso de qualquer uma dessas citadas atividades. Quanto mais os esforços de marketing das empresas estiverem concentrados desde o início no consumidor final que se deseja atingir, maiores serão as chances de que o produto ou serviço seja bem aceito por ele e assim se obtenha sucesso no empreendimento. No entanto, para que se atinja esse objetivo de atender ao consumidor final, é preciso que se saiba quem é esse consumidor final, quais são seus gostos, suas preferências, quais atributos deseja encontrar nos produtos que consome e em quais proporções. E isso só se consegue estudando-o, realizando pesquisas que aliem o estudo científico à realidade empírica, indo até ele e questionando-o a respeito desses assuntos com sólidas bases acadêmicas. O que este trabalho pretendeu foi exatamente realizar um estudo nesse sentido, ou seja, com uma base teórica (a teoria do Comportamento do Consumidor), chegou-se até o consumidor final de carne suína com uma pesquisa estruturada que envolvia questões sobre estilo de vida...

Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
36.4%
As financial markets develop and deepen, one of the key issues for the fair, open and efficient operation of the markets is the protection of consumers rights in financial services. Be they bank depositors or borrowers or investors in insurance policies, securities or investment or pension funds, financial consumers need the ability to accurately understand the terms and conditions of their contracts and take action if the terms of contracts have been violated. The Note is the second report in a pilot program to analyze consumer protection in financialservices.The objectives of the Note are three-fold, to: (1) present a set of draft good practices for assessing consumer protection in financial services; (2) conduct a review of the existing rules and practices in Slovakia compared to the draft practices; and (3) provide recommendations on ways to improve consumer protection in financial services in Slovakia. The Technical Note wasprepared at the request of the Slovak Ministry of Finance, with the valuable support of the National Bank of Slovakia and other government agencies...

Slovakia : Technical Note on Consumer Protection in Financial Services, Volume 1. Main Report

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
36.35%
As financial markets develop and deepen, one of the key issues for the fair, open and efficient operation of the markets is the protection of consumers rights in financial services. Be they bank depositors or borrowers or investors in insurance policies, securities or investment or pension funds, financial consumers need the ability to accurately understand the terms and conditions of their contracts and take action if the terms of contracts have been violated. The Note is the second report in a pilot program to analyze consumer protection in financialservices.The objectives of the Note are three-fold, to: (1) present a set of draft good practices for assessing consumer protection in financial services; (2) conduct a review of the existing rules and practices in Slovakia compared to the draft practices; and (3) provide recommendations on ways to improve consumer protection in financial services in Slovakia. The Technical Note wasprepared at the request of the Slovak Ministry of Finance, with the valuable support of the National Bank of Slovakia and other government agencies...

Armenia : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 1. Key Findings and Recommendations

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
36.23%
The objectives of the diagnostic review of consumer protection and financial literacy for Armenia are: (i) to assess the existing financial consumer protection framework, by reviewing laws, regulations and practices in Armenia compared to international good practices; and (ii) to provide recommendations on ways to improve consumer protection and financial literacy in Armenia. The review provides a detailed assessment of the institutional, legal and regulatory framework in four financial segments, namely banking, non-bank credit institutions, securities, and insurance. Many key steps have already been taken in financial consumer protection, especially at the regulatory and institutional levels. Regarding the institutional framework, adequate resources need to be allocated to the consumer protection team and modern supervisory tools should be made available. Consumer organizations should be strengthened and motivated to assist the Central Bank of Armenia (CBA) in market monitoring. In terms of consumer disclosure...

Armenia : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 2. Comparison with Good Practices

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
36.33%
The objectives of the diagnostic review of consumer protection and financial literacy for Armenia are: (i) to assess the existing financial consumer protection framework, by reviewing laws, regulations and practices in Armenia compared to international good practices; and (ii) to provide recommendations on ways to improve consumer protection and financial literacy in Armenia. The review provides a detailed assessment of the institutional, legal and regulatory framework in four financial segments, namely banking, non-bank credit institutions, securities, and insurance. Many key steps have already been taken in financial consumer protection, especially at the regulatory and institutional levels. Regarding the institutional framework, adequate resources need to be allocated to the consumer protection team and modern supervisory tools should be made available. Consumer organizations should be strengthened and motivated to assist the Central Bank of Armenia (CBA) in market monitoring. In terms of consumer disclosure...

Public Sector-operated Price-comparison Websites : Case Studies and Good Practices

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
36.24%
This technical note is intended to provide regulators with concrete, practical information on operating price-comparison websites and the strategic considerations necessary to take into account when designing such sites. The technical note examines price-comparison websites operated by public sector entities in Canada, Hungary, Ireland, Malaysia, Mexico, Norway, and the United Kingdom. The technical note describes the price-comparison tools in these case study countries, comparing differing approaches and highlighting good practices found across countries. Institutional and structural arrangements were found to vary across case study countries. Price-comparison websites are operated by either a financial regulator (Hungary, Malaysia) or more commonly by a financial consumer agency set up by the government but operating as an independent agency (Canada, Ireland, Mexico, Norway, United Kingdom). Typically, less sophisticated price-comparison websites provide basic price-comparison tools, while more sophisticated sites provide interactive product-selection tools and complementary educational materials in an intuitive...

Croatia : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 1. Key Findings and Recommendations

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
36.4%
As financial markets develop and deepen, one of the key issues for a fair, open and efficient market is effective consumer protection and financial literacy. The European Union takes the approach that an effective regime of financial consumer protection should allow consumers to have access to: sufficient information to make informed decisions about their financial choices; cost-effective recourse mechanisms to redress violations of financial service contracts; and programs of consumer education and financial literacy that empower them to understand their financial rights and obligations. This review has found that the quality of consumer protection in financial services in Croatia has improved in recent years. In particular, the approval of the 2007 Consumer Protection Act incorporated many of the EU Directives related to financial consumer protection. In addition, the National Council on Consumer Protection was established in 2008 to advise the Government on its national strategy for consumer protection in the coming years. A nation-wide baseline survey of financial literacy would provide useful information in designing programs in financial education and consumer awareness. As pioneered in the United Kingdom...

Croatia : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 2. Comparison against Good Practices

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
36.22%
As financial markets develop and deepen, one of the key issues for a fair, open and efficient market is effective consumer protection and financial literacy. The European Union takes the approach that an effective regime of financial consumer protection should allow consumers to have access to: sufficient information to make informed decisions about their financial choices; cost-effective recourse mechanisms to redress violations of financial service contracts; and programs of consumer education and financial literacy that empower them to understand their financial rights and obligations. This review has found that the quality of consumer protection in financial services in Croatia has improved in recent years. In particular, the approval of the 2007 Consumer Protection Act incorporated many of the EU Directives related to financial consumer protection. In addition, the National Council on Consumer Protection was established in 2008 to advise the Government on its national strategy for consumer protection in the coming years. A nation-wide baseline survey of financial literacy would provide useful information in designing programs in financial education and consumer awareness. As pioneered in the United Kingdom...

Kyrgyz Republic : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 2. Comparison with Good Practices

World Bank
Fonte: Washington, DC Publicador: Washington, DC
EN_US
Relevância na Pesquisa
36.22%
The Diagnostic Review for Consumer Protection and Financial Literacy (CPFL) provides a detailed assessment of the institutional, legal and regulatory framework for consumer protection in two segments of the financial sector: banking and microfinance. The review was undertaken in response to a request for technical assistance in the field of financial consumer protection made by the National Bank of the Kyrgyz Republic (NBKR) in November 2012.

Paraguay Diagnostic Review of Consumer Protection and Financial Literacy : Volume 2. Comparison with Good Practices

World Bank
Fonte: World Bank Group, Washington, DC Publicador: World Bank Group, Washington, DC
EN_US
Relevância na Pesquisa
36.31%
This review of the Consumer Protection and Financial Literacy Framework (CPFL) in Paraguay was undertaken in response to a request for technical assistance in this area made by the Central Bank of Paraguay (BCP). The objectives were: (i) to assess the existing consumer protection and financial literacy framework by reviewing laws, regulations, and actual practices in Paraguay, and comparing it with international good practice; and (ii) to provide recommendations on ways to improve the level of financial consumer protection and financial literacy in the country. The Diagnostic Review provides a detailed assessment of the institutional, legal and regulatory framework for consumer protection in four segments of the financial sector: (i) banks and finance companies, (ii) financial cooperatives, (iii) insurance companies, and, - in reflection of the important role they play in Paraguay - (iv) non-bank agents and mobile payment providers. Its findings and recommendations cover six thematic areas: (i) Institutional Arrangements...

Jamaica Consumer Protection and Financial Literacy

World Bank; International Monetary Fund
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Relatório
EN_US
Relevância na Pesquisa
36.39%
This technical note is based on a mission conducted from April 24 to May 9, 2014 to Kingston and other parts of Jamaica. The mission also conducted a short mystery shopping exercise with the assistance of a representative from the national consumer’s league. Valuable comments on the draft note were provided by the Bank of Jamaica and the Financial Services Commission. The technical note consists of findings, issues and recommendations, and four annexes: annex one, existing structure for prudential and consumer protection supervision; annex two, current and revised legislation affecting financial consumer protection; annex three, comparison to world bank good practices on financial consumer protection; and annex four, national program of consumer protection and financial literacy, implementation plan components. The key recommendations present targeted measures that can be immediately implemented and will have a positive (and measurable) impact on public confidence in formal financial institutions. The focus of the technical note is on deposit-taking institutions although some aspects of others parts of the financial sector have been included.

Does the Good Matter? Evidence on Moral Hazard and Adverse Selection from Consumer Credit Market

BICAKOVA, Alena
Fonte: European University Institute Publicador: European University Institute
Tipo: Trabalho em Andamento Formato: 472889 bytes; application/pdf; digital
EN
Relevância na Pesquisa
36.19%
Default rates on instalment loans vary with type of the good purchased. Using an Italian dataset of instalment loans between 1995-1999, we first show that the variation persists even after controlling for contract and individual-specific characteristics, and for the potential selection bias due to credit rationing. We explore whether the residual variation in the default rates across the different types of goods is due to unobserved individual heterogeneity (selection effect) or due to the effect of the specific characteristics of the good (good effect). We claim that the two effects may be interpreted as adverse selection and moral hazard. We exploit the data on multiple contracts per individual to disentangle the two effects, and find that most of the variation is explained by the selection effect. Individuals who buy motorcycles on credit are more likely to default on any loan, while those buying kitchen appliances, furniture and computers are more likely to repay, compared to average. We conclude that there is asymmetric information in the consumer credit market, mostly in the form of adverse selection.

Consumer Loans and the Role of the Credit Bureaus in Europe

MICKLITZ, Hans-Wolfgang
Fonte: Instituto Universitário Europeu Publicador: Instituto Universitário Europeu
Tipo: Trabalho em Andamento Formato: application/pdf; digital
EN
Relevância na Pesquisa
36.33%
The working paper makes the results of the conference proceedings on ‘Consumer Loans and the Role of the Credit Bureaus in Europe’ available, which took place in May 2009 at the EUI in Florence. The topic of the conference should be located in the changing legal environment for credit bureaus. This is largely due to the fact that the European capital market is gradually taking shape. The recent Directive 2008/48 on consumer credit has for the first time recognised credit bureaus as necessary institutions to exchange information on the creditworthiness of consumers. In the aftermath of the adoption of the Consumer Credit Directive, the working environment for credit bureaus has changed. The overall idea of the convenors was to initiate a dialogue which could break up the still existing compartmentalisation in different networks. The conference brought together representatives from credit bureaus, consumer organisations, data protection agencies, national supervisory authorities, consumer protection agencies, consumer protection ministries and the European Commission. We hope that the publication will serve as good and solid start for a long-lasting dialogue between all the actors involved in consumer credit issues.; The conference on ‘Consumer Loans and the Role of the Credit Bureaus in Europe’...

Russian Federation : Diagnostic Review of Consumer Protection in Financial Services, Volume 1. Key Findings and Recommendations

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Other Financial Sector Study; Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
36.4%
This paper is a pilot diagnostic review of consumer protection in financial services in the Russian Federation. The review examines financial services in Russia, but also emphasizes the need for a set of good practices, or benchmarks, for use in reviewing consumer protection in financial services in any jurisdiction. This work will prove helpful to the international community, and those in emerging markets. The review finds that most people in Russia do not consider themselves financially literate, and have little understanding of their rights as consumers. The review's objectives are to conduct a review of the existing rules and practices in Russia, compared to international good practices on consumer protection in financial services; provide recommendations on ways to improve consumer protection in financial services in Russia; and refine a set of good practices prepared by the World Bank for assessing consumer protection in financial services. As part of the conclusion, methods for better financial education for consumers...

Good Practices for Consumer Protection and Financial Literacy in Europe and Central Asia : A Diagnostic Tool

Rutledge, Susan L.; Annamalai, Nagavalli; Lester, Rodney; Symonds, Richard L.
Fonte: World Bank, Washington, DC Publicador: World Bank, Washington, DC
Tipo: Economic & Sector Work :: Other Financial Sector Study; Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
36.38%
This paper discusses how the importance of adequate consumer protection and financial literacy for the long-term stability of the financial sector, has been highlighted by the recent turmoil in financial markets worldwide. It presents a set of Good Practices for Consumer Protection and Financial Literacy, developed by the World Bank's Europe and Central Asia Region, using international experience as a guide. The Good Practices provide a practical tool for systematic analysis of laws, regulations and institutions involved in consumer protection and financial literacy, and allow detailed cross-country comparisons. The paper provides the four key concepts on which they are based: consumer disclosure should be simple, easy to understand and comparable; abusive business practices by financial service providers should be prohibited; consumers should have an easy, inexpensive and speedy method of resolving disputes with financial institutions; and financial education should be available to consumers so that they can understand financial services and products and make informed decisions.

Islamic Republic of Pakistan : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 1. Key Findings and Recommendations

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: PSD, Privatization and Industrial Policy
ENGLISH; EN_US
Relevância na Pesquisa
36.21%
The diagnostic review for Consumer Protection and Financial Literacy (CPFL) provides a detailed assessment of the institutional, legal, and regulatory framework in four segments of the financial sector: banking, microfinance, securities, and insurance. The review took place in response to a request for World Bank technical assistance in the field of financial consumer protection made by Pakistan's Ministry of Finance (MoF), the State Bank of Pakistan (SBP), and the Securities and Exchange Commission of Pakistan (SECP). The review consists of two volumes. Volume one summarize the key findings and recommendations of the review and Volume two presents a detailed assessment of each financial segment compared against the good practices for financial consumer protection. The key findings and recommendations in volume one cover five areas: (i) the institutional, legal, and regulatory framework for consumer protection; (ii) disclosure; (iii) business practices; (iv) dispute resolution mechanisms; and (v) financial education. Priority recommendations are outlined in table one; a more detailed list of recommendations is included in annex one.

Islamic Republic of Pakistan : Diagnostic Review of Consumer Protection and Financial Literacy, Volume 2. Comparison with Good Practices

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: PSD, Privatization and Industrial Policy
ENGLISH; EN_US
Relevância na Pesquisa
36.31%
The diagnostic review for Consumer Protection and Financial Literacy (CPFL) provides a detailed assessment of the institutional, legal, and regulatory framework in four segments of the financial sector: banking, microfinance, securities, and insurance. The review took place in response to a request for World Bank technical assistance in the field of financial consumer protection made by Pakistan's Ministry of Finance (MoF), the State Bank of Pakistan (SBP), and the Securities and Exchange Commission of Pakistan (SECP). The review consists of two volumes. Volume one summarize the key findings and recommendations of the review and Volume two presents a detailed assessment of each financial segment compared against the good practices for financial consumer protection. The key findings and recommendations in volume one cover five areas: (i) the institutional, legal, and regulatory framework for consumer protection; (ii) disclosure; (iii) business practices; (iv) dispute resolution mechanisms; and (v) financial education. Priority recommendations are outlined in table one; a more detailed list of recommendations is included in annex one.

Consumer Protection and Financial Literacy : Lessons from Nine Country Studies

Rutledge, Susan L.
Fonte: Banco Mundial Publicador: Banco Mundial
Tipo: Publications & Research :: Policy Research Working Paper
ENGLISH
Relevância na Pesquisa
36.23%
The recent turmoil in financial markets worldwide has emphasized the need for adequate consumer protection and financial literacy for long-term stability of the financial sector. This Working Paper aims to summarize key lessons from reviews of consumer protection and financial literacy in nine middle-income countries of Europe and Central Asia (Azerbaijan, Bulgaria, Croatia, the Czech Republic, Latvia, Lithuania, Romania, the Russian Federation and Slovakia). All the country assessments used a systematic common approach, based on a set of Good Practices for Consumer Protection and Financial Literacy developed by the World Bank's Europe and Central Asia Region. The objective of the Working Paper is to contribute to the international dialog on strengthening financial consumer protection and financial literacy in emerging markets.A financial consumer protection regime should meet three objectives. First, consumers should receive accurate, simple, comparable information of a financial service or product, before and after buying it. Second...

Peru : Diagnostic Review of Consumer Protection and Financial Literacy

World Bank
Fonte: Washington, DC Publicador: Washington, DC
Tipo: Economic & Sector Work :: Other Financial Accountability Study
ENGLISH; EN_US
Relevância na Pesquisa
36.22%
The diagnostic review for consumer protection and financial literacy (CPFL) provides a detailed assessment of the institutional, legal, and regulatory framework for consumer protection in four segments of the financial. A World Bank (WB) mission visited Peru from March 18 to 27, 2013 to prepare the review. The objectives of the CPFL review were: (i) to assess the existing consumer protection and financial literacy framework by reviewing laws, regulations, and practices in Peru compared to international good practices; and (ii) to provide recommendations on ways to improve the level of financial consumer protection and financial literacy in Peru. It seeks to identify key measures in strengthening financial consumer protection, with the ultimate aim of increasing the availability and transparency of financial information, helping build consumers' trust in the financial sector, and expanding their capacity to wisely use financial services. The review addresses the following issues: (1) institutional arrangements...