Planejamento financeiro pessoal: um levantamento com estudantes dos cursos de Administração, Ciências Contábeis e Ciências Econômicas-FACE/UFGD

Abstract

The majority of the Brasilian population is indebted, reaching in 2014 historical rates debt, because they haven’t habits of control and financial planning. This coursework presents the results of a studying that aims identify how academic students manage their financial planning. These students are enrolled in three college courses, Administration, Accounting Science and Economic Science, at the Federal University of Grande Dourados. The methodology used to the development of this paper fell back on a qualitative and descriptive approach, utilizing a structured questionnaire and statistical analysis in order to achieve its goals. The results showed that the majority of the students have control over their finances, mainly with notes in notebooks and electronic worksheets. However, the students that have no financial control alleged lack of time as the main reason. As for the indebtedness, due to the facility ofthe credit access in the last years, most of the students are in debt, mainly with real estates and vehicles financing. Although many students are worried about their financial future, and despite being in control over their finances, just a few of them are getting to make investments, for they are having difficult to put into practice their financial planning.