Educação financeira e universitários: uma análise com os beneficiários do programa bolsa permanência em um instituto federal de ensino

Abstract

Financial education can be considered an essential skill for subjects today and in a context of economic crisis it is even more necessary. However, studies point to the complexity of financial education, mainly through several socioeconomic and demographic variables. Thus, the present study is justified by the need to contribute to the discussion of the subject in Brazil, bringing to light a research that has as its target audience university students enrolled in undergraduate courses at the Federal Institute of Education, Science and Technology of Minas Gerais - Bambuí Campus that are beneficiaries of the Permanence Grant. To this end, a survey was carried out with 123 students benefiting from the Permanence Scholarship Program, this benefit is one of the instruments of the National Student Assistance Program, in force in all universities and federal education institutes in Brazil. The objective was to measure and correlate the Financial Knowledge Index (ICF) to socioeconomic and demographic variables through statistical tests. The level of financial knowledge of university students on scholarships was measured, resulting in a lower median for students with a lower family income and a higher median for those with a family income between two and four minimum wages. Remembering that the scholarship holders of the Permanence Scholarship Program in general come from families in a situation of social vulnerability.