Educação financeira frente às decisões de consumo

Abstract

This present work aims to detect the impact of financial education in the face of consumer offers related to credit and savings decisions. Studies indicate that financial education provides the improvement of skills and techniques about finance what result in more assertive decisionmaking processes. However, other aspects are influencing decisions. The most significant of those are: the strong impact of the media on the individual consumption decisions and the various credit offers available on the market, in an unbureaucratic and attractive way. The research was made out in two groups, each group composed of 40 students, all of them from the administration course. The first group was made up of students who have attended up to the fourth period, and, generally, have not had yet disciplines in the finance area. The second group, on the other hand, consists in students taking courses from the seventh period, and have already studied the main finance disciplines, if not all of them. The research is quantitative and descriptive, and the method used was the survey. Based on the results, it was possible to say that only the theoretical knowledge disseminated in universities is not enough for a formation of a great financial manager; and the practice of knowledge about finance represents better result, to the detriment of theory only. Another point analyzed is about the several aspects that can contribute to an individual's financial decisions; among them are: emotional, market factors, practical experiences, in addition to theoretical knowledge.