O Perfil da educação financeira, do endividamento e do planejamento financeiro dos discentes de graduação da Faculdade de Administração, Ciências Contábeis e Economia da Universidade Federal da Grande Dourados

Abstract

The objective of this research is to describe the profile of financial education, debt and financial planning of undergraduate students from FACE/UFGD. To achieve this goal, there was a descriptive research with quantitative and qualitative approach through a questionnaire that was applied directly to 213 scholars. The results show that: there is a wider range of male academics, with the age range of up to 25 years, are single, have no children, are studying Accounting and are the first year of college; the approximate net family income is between R$ 881,00 and R$ 1903,98 subject to employment and consider themselves financially independent. Most academic estimates that obtained financial information throughout its life stemmed from the family and willingly, as well as worries about the financial future, but does nothing about him. They do not have large financial commitments, however, even though plan ahead of your expenses, it was found that most academics have 51% to 75% of their income committed to obligations. It is found that most use credit card, so that 49.3% perform monthly payment, however, 32.9% does not act the same way. This can be explained because the majority being young fact, inserted in a context of a consumer society, which was not brought up to think of the money and are therefore more likely to spend; another important point to be taken into account is the inability to handle money, resulting in little experience.