A relação entre o nível de alfabetização financeira e o perfil socioeconômico e demográfico: uma análise dos acadêmicos ativos da UFFS, campus Laranjeiras do Sul – PR

Abstract

Considering that the financial literacy of most of the population is insufficient and impairs decision making, the term has been rapidly discussed, given that it represents a central role in the formation of attitudes and behavior of individuals. Based on this, the objective of this study is to analyze the relationship between the level of financial literacy and the socioeconomic and demographic profile of active academics at UFFS, campus Laranjeiras do Sul/PR, for this, this research is classified as a descriptive research, Survey and predominantly quantitative. The defined population was the active students of the UFFS, Laranjeiras do Sul campus/PR, being 1031 in total. For data collection, a structured questionnaire was used that generated primary data and data analysis occurred in two stages: The first stage was the treatment of the collected data aiming to measure the OECD pillars to obtain the index and the level of financial literacy. The second step was the calculation of the level of financial literacy in order to investigate the influence of socioeconomic and demographic variables through multiple linear regression analysis in R Software. According to the results, we obtained 56 respondents, and most of them (39.3%) are in level 2, having an average financial literacy. Moreover, from the multiple linear regression applied, it can be observed that individuals who are older, who have higher incomes and who have studied subjects related to finance, are the ones who present a higher propensity to belong to the group with the highest level of financial literacy. Thus, we conclude that the results found point to the urgency of developing effective actions to minimize the problem of lack of financial literacy in society in general.