bachelorThesis
Determinantes do letramento financeiro: a influência da formação financeira e de variáveis socioeconômicas e demográficas
Fecha
2019-12-18Registro en:
SANTOS JÚNIOR, Rogério Ferreira dos. Determinantes do letramento financeiro: a influência da formação financeira e de variáveis socioeconômicas e demográficas. 2019. 80f. Monografia (Graduação em Administração) - Universidade Federal do Rio Grande do Norte, Centro de Ciências Sociais Aplicadas, Departamento de Ciências Administrativas, Natal, RN, 2019.
Autor
Santos Júnior, Rogério Ferreira dos
Resumen
Financial literacy is becoming increasingly relevant in a cultural and economic context in which citizens are required to be more accountable and self-reliant in managing personal finances. And financial literacy is an important tool for preventing financial adversity. In this sense, the present study sought to identify the impact of financial education, acquired through the accomplishment of a discipline related to finance, in the financial literacy level of university students, considering the influence of the socioeconomic and demographic variables involved. To this end, an exploratory research was carried out, with statistical application, on a sample of 71 UFRN students, from March to June 2019, aiming to measure the degree of financial literacy before and after the elective component, from the Financial attitude, financial behavior, and financial knowledge constructs, revealing how financial literacy is impacted, what socioeconomic and demographic characteristics are present, and their influences on the bottom line. Data were collected through a structured questionnaire composed of 35 questions, adapted from the Financial Literacy Indicator developed by Potrich et al. (2014) and validated in his doctoral research in 2016. For data analysis, multivariate descriptive statistics were used, involving mean, median and standard deviation of the investigated constructs and frequency and percentage of profile variables, in addition to establishing correlations. and tests for the differentiation of means. The results of the study showed that the financial education had a positive impact on the financial literacy level of the investigated students, increasing all the financial assessment indexes, financial knowledge and financial behavior. For the latter, differences were not statistically used due to recognizing that changes in the behavior of individuals may use a longer study period and that these are influenced by financial attitudes. Also confirming four other assumptions that related the socioeconomic and demographic characteristics to the different levels of financial literacy, concluding that females who have completed high school in the public system, with low levels of own income and attending their first degree are the most likely. belong to the low level group of financial literacy. 39.44% of the students assessed were classified as having low levels of financial literacy.