Educação financeira associação entre o índice de conhecimento financeiro e fatores de personalidade dos alunos residentes em um Instituto Federal

Abstract

Facing an increasingly diversified and dynamic economic market, and despite financial education presenting growth in recent years, the Brazilian population has deficiencies in responsibilities and decision making as well as their effective knowledge about finances seems to be deficient. This work diagnosed the financial education of students residing in the Federal Institute of Minas Gerais - Bambuí Campus, from the analysis of the financial knowledge index, associating them with personality factors measured by the Big Five Inventory. The research proposal was quantitative, descriptive and applied. Fifty-seven students from the institute's higher education courses, who benefit from the Student Housing program, participated in the research. The sample was selected by invitation. The data were collected through a survey, treated and analyzed quantitatively with the help of SPSS software. The research showed a low level of financial knowledge in the population studied. The students showed a lack of knowledge about concepts such as interest, inflation, insurance and investment risk analysis. Furthermore, based on the research results, no association was found between the financial knowledge index and the personality factors. These results allowed the elaboration of a mini course product so that the population could receive knowledge about the theme and opportunities to apply it in their financial life. Financial education is seen as an important instrument to fill this gap and, applied to the studied public, it raises this research to a healthier level, since college students represent the future of the intellectual and productive capacity of the country.