FINANCIAL MANAGEMENT BEHAVIORS OF TOURIST GUIDES AFTER THE PANDEMIC (COVID-19): THE CASE OF TURKEY
DOI:
https://doi.org/10.18623/rvd.v23.n4.4373Palavras-chave:
Tourist Guides, Financial Management Behavior, COVID-19 Pandemic, Savings, InvestmentResumo
Este estudo investiga o impacto da pandemia da Covid-19 nos comportamentos de gestão financeira dos guias turísticos, um grupo profissional caracterizado pela vulnerabilidade financeira devido à renda irregular e alta sensibilidade a choques externos. O objetivo principal foi avaliar as mudanças comportamentais pós-pandemia em guias que sofreram graves perdas de renda (80-100%). Empregando métodos quantitativos, este estudo adota o modelo de comportamento financeiro quadridimensional de Dew e Xiao (2011). Uma pesquisa online realizada com guias turísticos ativos em toda a Turquia rendeu 428 respostas válidas, que foram analisadas por meio de análise fatorial, testes t e ANOVA. Os resultados indicam que os comportamentos financeiros se agrupam em quatro dimensões: gestão de caixa, crédito, poupança/investimento e seguros. Embora os guias tenham demonstrado forte gestão de caixa, suas pontuações em gestão de seguros foram notavelmente baixas. Além disso, os participantes do sexo masculino e casados tiveram pontuações mais altas em comportamento financeiro. A propensão para poupança e investimento estava positivamente correlacionada com a idade, experiência profissional e nível de renda. Notavelmente, 35% dos guias buscaram fontes alternativas de renda após a pandemia e 30,8% aumentaram seus esforços de poupança e investimento. Essas descobertas sugerem que a pandemia obrigou os guias a priorizar a gestão de riscos financeiros e a diversificação de renda, destacando a necessidade de políticas e programas de apoio para melhorar sua educação financeira.
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