Finanças pessoais e patrimônio: estudo nas famílias dos estudantes de administração da Universidade Federal da Fronteira Sul - UFFS - campus Chapecó

Abstract

The aim of this study was to analyze the impacts of inflation on the personal finances and family assets of students enrolled in the Administration program at the Federal University of the Southern Frontier – Chapecó Campus. A quantitative research approach was employed through a structured questionnaire applied to the students, seeking to identify their perception of inflation, financial habits, budget organization, indebtedness, and strategies for protecting family wealth. The results showed that, although family income is frequently sufficient to cover monthly expenses, there is little margin for savings, highlighting the vulnerability of families to price fluctuations. The study also revealed that inflation is perceived by students as a factor that reduces purchasing power and hinders financial planning, directly influencing consumption and the ability to build assets. Furthermore, the findings indicate that the Administration program contributes to expanding students’ understanding of personal finance, although some respondents point to the need for greater practical emphasis on financial education. Therefore, the study emphasizes the importance of financial planning and economic education as essential tools to mitigate the effects of inflation and promote greater financial stability among university students' families.