Fatores relacionados ao nível de alfabetização financeira mundial: um estudo com 141 países

Abstract

The objective of this research was to verify which variables are related to the level of financial literacy worldwide. In this sense, the financial literacy rate was used as a dependent variable, while the variables, GDP/per capita, individuals who use the internet, education expenses and owning an account in a financial institution or with a mobile money service provider (Internet Banking), were used as independent variables. The sample of this study is composed of 141 countries and data from 2014 were analyzed. The Shapiro-Francia normality tests were applied to perform the analysis, showing that the application of the Spearman's correlation coefficient is appropriate. The results of the correlation test demonstrate a moderate relationship and directly proportional influence between the dependent variable and the variables of access to the internet and banking services, which inferred that the levels of financial literacy are mainly influenced by variables of access to means of obtaining knowledge in practice.