Análise da gestão de finanças pessoais dos estudantes do curso de Administração da Universidade Federal do Ceará

Abstract

Financial education is essential for dealing with money scarcity and achieving

personal goals. Lack of knowledge in this area can lead to indebtedness and long- term financial difficulties. It is important to provide financial education to help people,

especially young university students, manage their finances responsibly and effectively, avoiding significant financial problems. This study aimed to investigate the relationship between personal financial management and indebtedness among students in the Administration course at the Federal University of Ceará. For this purpose, a quantitative and descriptive survey was conducted using a questionnaire consisting of 17 questions, administered to students from the School of Economics, Administration, Actuarial Science, and Accounting, using the Google Forms platform. The results showed that the majority of students have debts, mainly related to credit cards. Regarding financial planning and control, most students reported engaging in systematic monthly financial planning. As for investments, the majority of students do not engage in any type of investment. Among those who do, the Certificate of Deposit (CDB) was mentioned as the top choice, followed by savings, stocks, and government bonds.