Finanças pessoais : uma análise da gestão financeira dos alunos do Centro de Ciências Sociais Aplicadas CCSA/UFS

Abstract

The present work sought to deepen the knowledge about personal finance and its subtopics: financial health, personal financial planning, and personal financial control, and also to deepen the knowledge about financial education. Personal finances involve decisions made by individuals regarding the management of their resources in order to enable health, planning and financial control. Financial education, on the other hand, allows the citizen to build a financial conscience, which enables the achievement of goals with quality of life and contributes to the economic development of a nation. The main objective of the work was to analyze the financial management of students at the Center for Applied Social Sciences at the Federal University of Sergipe. To reach its objective, the research used the quantitative approach as a methodology and the type of research was descriptive, the procedure used was the survey, while data collection was done through a questionnaire made available through the Google Forms platform, between the days February 25 and April 1, 2021 the questionnaire collected 445 responses. The main results pointed out that the predominant socioeconomic profile among those surveyed was that of individuals aged up to 30 years, female, single, with individual income of up to 1.5 minimum wages, as for the indebtedness it was identified that it is low, being mainly composed of small and short-term debts. It was also identified that the planning and financial control are inserted in the daily life of most of those surveyed, since they are carried out, mainly, with monthly frequency. With regard to financial education, most students demonstrated that they already have contact with the topic, usually through the internet, and they have a good self-assessment of this knowledge. In this way, the results of the work contributed to the understanding of the current state of financial management of students at an important center at the Federal University of Sergipe and also to the evolution of the theme.