Bancarização e educação financeira dos jovens universitários de Uberlândia

Abstract

Many of the data and studies published about bankarization in the country refer to the increase in bank accounts, especially young people. However, if a population does not have knowledge about these financial products, it cannot be said to be banked. The objective of this study was to identify the level of banking and financial education of university students in Uberlândia. As specific objectives, it was intended to list and analyze the profile of university students; identify the main motivations for banking and obtaining credit and check their level of financial education. As for the methodological procedures, 385 questionnaires were applied to university students in Uberlândia. The treatment of the data obtained was done with multivariate analysis techniques, such as Factor Analysis and Cluster Analysis, using descriptive statistics, Mann-Whitney test, Kruskal-Wallis test and Spearman correlation analysis. The respondents showed an excellent level of financial inclusion for most variables and most of the sample reached the average of correct answers on the scale, however this is not a result that indicates a high level of financial education. The research identified, however, that students with higher levels of financial inclusion have a higher level of financial education. The cluster analysis with a solution of three groupings showed that the bankarization scale factors that had the greatest contribution in the formation of groups were "Access to credit and payment" and "Account use" and the one that contributed the least was "Access to Investments”.