Desancoragem, irracionalidade e endividamento : um estudo comparativo com estudantes universitários

Abstract

The general objective of this work was to analyze unanchoring, irrationality and indebtedness among university students. From this, specific objectives were developed to verify the unanchoredness construct among university students, investigate the irrationality construct among university students and examine the indebtedness construct among university students. In this sense, concepts about traditional finance were addressed in relation to behavioral finance, as well as unanchoring, irrationality and debt. For the methodology of this research, the approach used was quantitative. As for the objectives, this research has a descriptive nature. For procedures, the method applied for this research was the survey. The universe of this research was students from the undergraduate courses in Administration, Accounting Sciences and Economic Sciences at the Federal University of Sergipe. The sample was made up of students from the 6th semester of the aforementioned courses on the São Cristóvão campus. The type of sampling was non-probabilistic. For this research, results were found that indicate that female students, older students, as well as individuals with lower individual and family income levels have a greater propensity to take on debt. Finally, the results of this research emphasize the importance of developing financial education policies that consider gender specificities and the socioeconomic situation of individuals.