Trabalho de Conclusão de Curso de Graduação
Educação financeira e o ato de poupar renda: evidências de Santa Maria – RS
Fecha
2023-01-25Autor
Prestes, Gabriel Garlet
Institución
Resumen
Financial education is the process by which individuals and society improve their understanding
of financial concepts and products so that, through information, training and instruction, they
can develop the values and skills necessary to be more aware of the opportunities and risks
involved. Therefore, in this context, the study seeks to answer the following problem: Does
financial education influence the population to save their income? For this, it was necessary to
investigate whether financial education influences citizens in the act of saving their income. To
achieve the objective, it was necessary to measure financial education and collect data on the
act of saving. These data were collected through a questionnaire applied to professionals and
students in the area of accounting in the city of Santa Maria - RS. With this, it was possible to
verify whether financial education influences the act of saving. This research has a descriptive
character and to analyze the data, statistical regression analysis was used from Excel
spreadsheets and SPSS software. Linear regression analysis was applied to test the study
hypotheses. As the main result obtained, the individual's income and level of financial education
positively influence the citizen's savings rate. As future works, it is intended to increase the
sample and apply the study in more areas and educational institutions.