Finanças pessoais: análise do conhecimento financeiro dos alunos do curso de administração do Campus Chapecó

Abstract

Currently, the financial health of individuals has been the essence of countless scientific researches and mainly, source of interest of the State, given the degree of influence in the economic context of the Country. Through information of high delinquency rates in Brazil and the negative consequences of the bad financial management of individuals, this study aims to analyze the level of knowledge regarding Personal Finance of the academic course of Administration Chapecó campus, based on the fact that the course has a direct relationship with the subject researched and that financial health of individuals directly affects the profitability of organizations, which is a challenge for future managers. For this, a survey was carried out with the students of the course. The data were collected through the application of a questionnaire, which totaled 268 responses, and analyzed via the Chi-square statistical test. The level of knowledge of the academics was measured according to a scale recommended by Chen and Volpe (1998), which assign three levels: high, medium and low. The results indicate that male scholars have greater financial knowledge, even if it is at the median level, a fact that corroborates previous research. On the other hand, academic women have low level of knowledge. In addition to the measurement of financial knowledge, the study also sought to conduct analyzes from the behavioral perspective of academics as a level of savings - which demonstrated that people who declare themselves as black save less than whites - and the more information media used by students to gain knowledge about the subject, being family and practical experiences listed as most important by academics. Still, the study proposed strategies for the Course and for the University to work actions that refer to Personal Finance management, since 92.91% of the students questioned show an interest in participating in some action proposed in this study. In addition, it is concluded that quality financial education provides a higher quality of life for individuals and contributes to the strengthening of local and global society and economy.