Producción Científica

The transition to a circular economy is gaining notoriety as society demands alternative forms of production and consumption. In this context, Product-Service Systems have the potential to reconcile economic and socio-environmental development. However, the implementation of Product-Service Systems has limitations, such as poor understanding of the system, difficulties in monitoring and establishing relationships with stakeholders. In order to guarantee guarantee a successful implementation of Product-Service Systems, there is a need to understand these organizational challenges and to present opportunities to mitigate these barriers. The goal of this paper is to identify facilitators and construct guidelines, capable of minimizing barriers in the implementation of a Product-Service System. To achieve this goal, a systematic literature review was conducted, contemplating bibliometric and content analysis (57 papers were read in full). The results of the bibliometric analysis point to the need to expand business proposals to different economic and cultural contexts, since they are mainly concentrated in developed countries. The content analysis presented a framework with guidelines, subguidelines, and facilitators, classified according to the PSS dimensions: provider, offer, and consumer. Thus, 111 facilitators were identified, and 26 subguidelines and 11 guidelines were built, demonstrating the contribution of the Circular Economy for the minimization of barriers in the implementation of the Product-Service System. The research highlights that approximately 73% of the facilitators correspond to the provider dimension, emphasizing the need to promote organizational changes and to adapt business proposals, adding value to the solution or to the results. However, the research highlights the need for the involvement of all stakeholders, where the customer must also promote changes in habits and an awareness of sustainable development. Finally, it is emphasized that this research provides a theoretical basis for the development of empirical studies, applying and expanding the knowledge of the interrelationship between Circular Economy and Product-Service Systems.

The compensation in the form of benefits received at the beginning of retirement may be insufficient to support the retiree’s standard of living while they were active workers. Using a quantitative bibliometric methodology through systematic review, the problem of the lack of continuous actions to promote financial education as a means of building assets for retirement was identified. The importance of financial decisions for the worker’s retirement planning was investigated; the forms of investment for retirement planning used by the worker were mapped and the variables that influence the worker’s investment decision for retirement were identified. In the final considerations, it is observed that even in countries considered developed, financial illiteracy is high, nor was there a priority regarding financial planning for retirement. Despite constant changes to the retirement regime for greater worker involvement, policymakers and employers still strongly intervene in investment decisions for retirement purposes.