Endividamento e educação financeira : uma análise do conhecimento acerca da educação financeira e de predeterminação ao endividamento de discentes do curso de administração da Universidade Federal de Sergipe

Abstract

Financial Education has been gaining strength in recent times due to its importance in the lives of individuals and the benefits that are generated through knowledge on the subject, especially when it involves managing personal income and propensity for debt. The present study sought to analyze the level of financial education and the propensity to debt of students on the Administration course at the Federal University of Sergipe. To this end, a quantitative research approach was used, where the type of research used was descriptive together with the Survey procedure. Data collection was carried out through the application of questionnaires online on the Google Forms platform, as well as in person in classrooms. The data collection instrument was applied between 06/13/2023 and 07/05/2023, collecting 107 responses. The main results showed that the socioeconomic profile of the interviewees is mostly male, aged between 15 and 20 years old, single, who have a formal job, and with an individual income range of up to one minimum wage. Regarding knowledge about financial education, most interviewees have knowledge about the topic, and it was evident that financial education is a topic present in the respondents' daily lives, however, when the level of knowledge about financial education was elaborated, Furthermore, there is still a lot to improve. At the same time, through financial planning together with knowledge about financial education, the students interviewed had low risks of propensity for individualism. In this way, the results developed for the analysis of the level of financial education and propensity to debt of University students on the Administration course at the Federal University of Sergipe and for the evolution of the topic.