Administração de finanças pessoais: análise do perfil de endividamento dos alunos da Faculdade de Economia, Administração, Atuária, Contabilidade e Secretariado da Universidade Federal do Ceará

Abstract

Given that the economic and social consequences of household indebtedness are closely linked to the health of society and the country's economy, it is necessary to follow the trend of indebtedness, to undertake systematic studies to periodically size it, and to financially educate individuals so that they Conscious consumption. According to a survey carried out by the Federação do Comércio de São Paulo (Fecomércio SP) in 2016, the high rates of unemployment and inflation and the exchange rate devaluation, factors that characterize Brazil's current economic situation, did not affect families’ budget, since they are becoming less and less indebted. However, such elements prevented them from saving. This fact is proven in the present study, which, through a field survey, conducted through an online questionnaire with students of the Federal University of Ceará, showed that in the courses of Economics, Administration, Actuarial Science, Accounting and Secretarial, the majority of young people do not have debts, and those who have it, intend pay them within a maximum period of 6 months. In addition, as Fecomércio SP's research shows, these same students do not save part of their money for investments. In this way, it is possible to realize the influence of financial management disciplines on the teaching of money management, however, it cannot be said that financial education occurs in an effective way, since the absence of resources for possible emergencies demonstrates the lack of Knowledge in planning and controlling finances, attesting the need for a discipline that addresses this issue in more depth