Finanças pessoais: análise do letramento financeiro em um grupo de empresários do Oeste de Santa Catarina

Abstract

Currently, the financial literacy of individuals, has gained greater relevance, in the diverse economic contexts and mainly in the daily life of each consumer, mainly those concerned with the financial health of their budget. Through information on increases in default rates in Brazil and companies that are unable to survive in the market for a long period, due to the lack of management and financial planning. Therefore, this study aims to analyze the level of financial literacy of a group of entrepreneurs in the West of Santa Catarina. The conceptual basis of this study is based on the fact that a financially literate individual, through the way he organizes and plans his personal budget, directly affects how he will manage a company. For this, a survey was carried out with businessmen active in the legal portfolio of a financial institution. The data were collected through the application of questionnaires, which totaled 82 responses, and were analyzed using the Chi­square statistical test. The level of financial literacy of entrepreneurs was measured according to the scale recommended by Potrich; Vieira and Kirch (2014), which assign two levels: high and low. The results show that 63.42% of the entrepreneurs have a high level of literacy, however, in this study, no statistical differences were identified in the level of financial literacy in relation to genders, levels of education, marital status and income, a result that differs from much of the consolidated literature. Finally, it is concluded that a higher level of financial literacy provides higher quality to the financial health of entrepreneurs, contributing to the strengthening of the country's economy.