Perfil investidor e decisões de consumo: uma análise dos alunos do curso de ciências contábeis na Universidade Federal da Grande Dourados

Abstract

With the arrival of adult and academic life, there is also the responsibility to deal with financial life. This article aims to identify the investor profile of undergraduate students in the Accounting Sciences courses at UFGD, taking into account the criteria that induce these students to invest, what are their main investments and how do they deal with day-to-day finances between receipts and payments. Financial education is becoming relevant and with the intention of even being inserted as a subject in schools to be able to prepare students for adulthood and to be able to have a more “healthy” financial life. In order to meet this objective, a questionnaire was applied through research with an exploratory and qualitative approach; as a result, it was found that most students fit the moderate profile and choose savings as their main investment. In a first moment, it presents the facilities of credits / loans, credit cards, financing; in others, we talk about personal financial life from basic accounts to financing, and the main investments. Thus, it is concluded that financial education is a great guidance tool to help people to be able to better organize their financial life, separating values for basic accounts and others that are part of the budget and being able to organize themselves to direct values for investments or to save for an emergency, make a dream come true or even prepare for retirement.