Endividamento dos universitários: um estudo sobre perfil de consumo e educação financeira

Abstract

Financial education is a subject that should be treated with good eyes at all ages so that financial well-being is not a reason for stress in our lives. Indebtedness can be intrinsically linked to the individual's level of literacy. It is proposed as a general objective to verify if university students in Uberlândia practice conscious consumption, taking into account financial education, in order to avoid indebtedness. As a methodology, 397 questionnaires were evaluated and descriptive statistics, correlation analysis and factor analysis were performed. The main results show that the level of knowledge about financial education is below expectations in relation to the scale used, but on the other hand, the attitude towards indebtedness remained negative, that is, young people from the Federal University of Uberlândia do not present attitudes that lead them to indebtedness. Finally, it was found that for this sample, there was no correlation between gender and attitude to indebtedness, as well as income and attitude to indebtedness there was also no correlation. As for other study variables, such as age and credit card use, it was proved that there is a positive correlation with the attitude towards indebtedness, that is, the higher the debt, the higher the attitude as well. Finally, the self-control variable found a negative correlation with the attitude towards indebtedness. Therefore, the results suggest that in the sample, young people seek to improve their knowledge on the subject of financial education, in addition to seeking to understand when the attitude towards indebtedness is being unnecessary in view of their own life projects.