Finanças Pessoais: um estudo sobre a educação financeira e o endividamento dos servidores da Universidade Federal do Ceará

Abstract

The scenario of easy access to personal credit in recent years in the Brazilian economy, combined with a lack of preparation in matters related to personal finance are factors studied as possible causes of personal indebtedness. Likewise, the level of financial education can influence the behavior of individuals when making consumption decisions. Motivated with the problematic described, this work proposes to verify the relationship between the level of financial education and the debt level of the Federal University of Ceará (UFC) public workers. In addition, it aims to evaluate the relationship between other socioeconomic and demographic variables and indebtedness, such as gender, age, income and schooling. The investigation took place through the questionnaire applied to UFC workers and descriptive analysis of the collected data. According to the results, most of the servants have a satisfactory level of financial education and little debt. It was identified that higher knowledge in personal finances is associated with lower debt ratios. Regarding gender, the results indicate that among servants there is a higher concentration of women in the worst debt levels compared to the number of men in these same levels. As the age variable, it was noted a higher frequency of debt in the age group of 31 to 55 and lower concentration in the age group up to 30 years and over 55 years. Regarding income, it was observed that most respondents earn income in the range from R$ 2,500.01 to R$ 6,000.00, and the the frequency of over indebted individuals decreases as income becomes bigger. For the schooling, there is a lower indebtedness for the higher level of education, although not expressively.