Financiamento, bem-estar financeiro e qualidade de vida: Percepções dos beneficiários do Pronaf

Abstract

The study aimed to identify the perception of financing, financial well-being, and quality of life of the beneficiaries of the National Program for Strengthening of Family Agriculture (Pronaf). For that, quantitative research was carried out, through a survey, investigating 263 beneficiaries of the program were investigated, distributed in 25 municipalities in the state of Rio Grande do Sul. The data analysis was done through descriptive statistics and cluster analysis. The main results indicate that Pronaf in the studied region has been able to improve the productive conditions of families and quality of life, except for some aspects of the environmental domain that still need to be improved. On the other hand, the level of the financial well-being of these families is intermediate and strategic measures should be considered. Of the three clusters formed, the one with the lowest number of beneficiaries is composed of those with the worst perceptions of quality of life and financial well-being, who spend the same or more than they earn and have the lowest educational level and lowest income. While in the cluster with a better quality of life, a higher percentage of members with higher levels of income, education, more access to credit cards, and greater satisfaction with the financial situation is observed.