Alfabetização financeira de estudantes do ensino superior: uma análise sobre a atitude, comportamento e conhecimento financeiro

Abstract

This research aimed to verify the level of financial literacy of higher education students and its association with socioeconomic and demographic factors. For this, a questionnaire was used and applied through an online digital platform to a sample of 91 students from undergraduate courses at a Public Higher Education Institution. After applying the questionnaire, its reliability was verified using Cronbach's alpha statistical tool, and then the data were analyzed using descriptive statistics, the correlation test, the normality test, and the comparison test between groups (U Mann -Whitney and Kruskal Wallis). The results showed that approximately half of the students interviewed had financial literacy rates above 60%. It can also be observed that the interviewees enrolled in the courses of Administration, Accounting and Production Engineering, have higher levels of financial literacy than the other undergraduate courses offered at the Researched Institution, which also have courses in the areas of human sciences, exact and natural. In view of the fact that the students of the courses showed superior financial literacy, the importance of finance disciplines in the curriculum of the courses is highlighted, given the importance of raising the financial literacy rate and the influence that knowledge in finance can bring to society, not only in better financial planning, but also in the perspective of disseminating knowledge to your family, work and society in general. Such results can be useful both for the researched higher education institution, and for other institutions that are interested in leveraging the financial literacy of students, which contributes directly and indirectly to society in general, since financially literate individuals tend to deal with efficiently manage your money.