Behavioral intervention in brazilian public policies: the case of law 12.618/2012

Authors

DOI:

https://doi.org/10.33448/rsd-v10i1.10979

Keywords:

Behavioral Economics; Public Policy; FUNPRESP; Heuristics and behavioral bias; Supplementary pension.

Abstract

Context: in Brazil, the use of behavioral interventions (BI) in public policies (PP) is still incipient. Objective: the present work aims to analyze BI, in a pioneering experience in the use of Behavioral Economics (BE) in the design of PP in Brazil, created to institute the supplementary pension scheme of federal public servants. Methods: the case study was carried out using data from FUNPRESP portals, Transparency and PEP Panel and document analysis. In the qualitative approach, legal hermeneutics was used to interpret the meaning and application of the norms involved in the study, seeking to expand the possibilities of their understanding. Results: indicate that BI contributed to the significant increase in the number of participants in the supplementary pension plan and the increase in voluntary participation through campaigns that mitigated the effects of heuristics and cognitive biases predominant in the decision-making process related to the adoption of pension plans. Conclusions: thus, it is evidenced that the use of BE knowledge in social security enhances the results of the policy. However, because it is the analysis of a specific case, there is insufficient evidence to generalize the effectiveness of behavioral interventions in public policies.

References

Bhargava, S., & Loewenstein, G. (2015). Behavioral economics and public policy 102: Beyond nudging. American Economic Review, 105(5), 396-401. https://www.aeaweb.org/articles?id=10.1257/aer.p20151049.

Brasil. (2012). Decreto no 7.808, de 20 de setembro de 2012. Dispõe sobre a criação da Funpresp-Exe.

Camerer, C. F. (2014). Behavioral economics. Current Biology, 24(18), R867-R871. https://www.scienced irect.com/science/article/pii/S0960982214009038.

Campos Filho, A. C., & Paiva, L. H. D. S. D. (2018). Economia Comportamental Aplicada às Políticas Públicas. https://repositorio.enap.gov.br/handle/1/3127.

Choi, J. J., Laibson, D. I., & Madrian, B. C. (2005). Are empowerment and education enough? Underdiversification in 401 (k) plans. Brookings papers on economic activity, 2005(2), 151-213. https://www.brookings.edu/wp-content/uploads/2005/06/2005b_bpea_choi.pdf.

Contel, F. B. (2011). Território e finanças: técnicas, normas e topologias bancárias no Brasil (Doctoral dissertation, Universidade de São Paulo). https://www.teses.usp.br/teses/disponiveis/8/8136/tde-01062007-135730/publico/TESE_FABIO_BETIOLI_CONTEL.pdf.

Creswell, J. W. (2010). Mapping the developing landscape of mixed methods research. SAGE handbook of mixed methods in social & behavioral research, 2, 45-68. https://methods.sagepub.com/book/sage-handbook-of-mixed-methods-social-behavioral-research-2e/n2.xml.

Federal, Governo. Controladoria-Geral da União(CGU): Portal da Transparência. 2020. https://www.gov.br/cgu/pt-br/assuntos/transparencia-publica/portal-da-transparencia.

Federal, Governo. Ministério da Economia. Painel Estatístico de Pessoal. https://www.gov.br/economia/pt-br/assuntos/planejamento/servidores/painel-estatistico-de-pessoal.

Godoy, A. S. (1995). Introdução à pesquisa qualitativa e suas possibilidades. RAE-revista de administração de empresas, 35(2), 57-63. https://rae.fgv.br/rae/vol35-num2-1995/introducao-pesquisa-qualitativa-suas-possibilidades.

Investidor Institucional. Revista do investidor institucional. https://www.investidorinstitucional. com.br/component/flippingbook/book/161-investidor-institucional-321-dez2019-jan2020/1-revistainvestidorinsti tucional.html?Itemid=1504.

Low, D. (2012). Introduction: Cognition, Choice and Policy Design. In Behavioural Economics And Policy Design: Examples from Singapore (pp. 1-13).

Lüdke, M., & André, M. E. D. A. (1986). Abordagens qualitativas de pesquisa: a pesquisa etnográfica e o estudo de caso. São Paulo: EPU, 11-24.

Samson, A. (2014). The behavioral economics guide 2014 (with a foreword by George Loewenstein and Rory Sutherland). http://eprints.lse.ac.uk/58027/.

Simon, H. A. (1955). A behavioral model of rational choice. The quarterly journal of economics, 69(1), 99-118. https://academic.oup.com/qje/article-abstract/69/1/99/1919737.

Simon, H. A. (1978). Rationality as process and as product of thought. The American economic review, 68(2), 1-16. https://www.jstor.org/stable/1816653?seq=1.

Soman, D. (2015). The last mile: Creating social and economic value from behavioral insights. University of Toronto Press. https://utorontopress.com/us/the-last-mile-4.

Sousa Lourenco, J., Ciriolo, E., Rafael Almeida, S., & Dessart, F. (2016). Behavioural Insights Applied to Policy-Country Overviews 2016 (No. JRC100547). Joint Research Centre (Seville site). https://ec.europa.eu/jrc/en/publication/thematic-reports/behavioural-insights-applied-policy-country-overviews-2016.

Starmer, C. (2015). Entendendo preferências: o que podemos aprender com a economia comportamental. Ávila, Flávia; Bianchi, Ana Maria. Guia de Economia Comportamental e Experimental. São Paulo: Economiacomportamental. org, 60-75. http://www.economiacomportamental.org/guia-economia-comportamental.pdf.

Tabak, B. M., & Amaral, P. H. R. (2018). Vieses cognitivos e desenho de políticas públicas. Revista Brasileira de Políticas Públicas, 8(2), 472-491.

Team, B. I. (2014). EAST: Four simple ways to apply behavioural insights. Behavioural Insight Team, London.

Thaler, R. H., & Sunstein, C. R. (2009). Nudge improving decisions about health, wealth, and happiness. Penguin.

Vidal, L. F. M. (2018). Economia comportamental e alfabetização financeira no Brasil: impactos na previdência privada. https://tede2.espm.br/handle/tede/327.

World bank (2019). “World Development Report: Mind, Society and Behavior”. World Bank Group. https://www.worldbank.org/en/programs/embed.

Published

01/01/2021

How to Cite

AYROZA, I. F. L. .; RODRIGUES, W.; PEDROZA FILHO, M. X.; CARNEIRO, L. de A. . . Behavioral intervention in brazilian public policies: the case of law 12.618/2012. Research, Society and Development, [S. l.], v. 10, n. 1, p. e0610110979, 2021. DOI: 10.33448/rsd-v10i1.10979. Disponível em: https://rsdjournal.org/index.php/rsd/article/view/10979. Acesso em: 26 nov. 2024.

Issue

Section

Human and Social Sciences