Educação financeira: análise da influência dos fatores de personalidade com conhecimentos financeiros dos alunos de cursos superiores de um instituto federal de educação

Abstract

Financial literacy, referred to as an area of knowledge, as a process, or even as a tool, has, as its purpose, to help the individual in the management of his or her financial capital. Whenever it is about consumption choices, investment or prevention for uncertain situations. The present study evaluated the association between personality factors of the population studied and their knowledge and financial behavior. The theoretical framework carried out a survey about the studies on financial education in Brazil and in other countries. In addition, the studies on personality factors were treated, as well as those that correlate the theme with financial literacy. This is a descriptive and applied study, with a quantitative method. For the collection of information, survey research was used, with the survey of information about individuals and their social aspects. The index of financial knowledge found was considered low among the respondents. Statistical tests were carried out and showed positive associations between the respondent's gender and the financial education index, and between the fact of talking to parents about money and the financial education index. Furthermore, associations between this index and other socioeconomic factors were analyzed. The results also pointed to the absence of significant associations between financial knowledge and socioeconomic characteristics.