Nível de alfabetização financeira dos estudantes universitários: afinal, o que é relevante?

Ani Caroline Grigion Potrich, Kelmara Mendes Vieira, Paulo Sergio Ceretta
DOI: https://doi.org/10.5329/RECADM.2013025

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O presente estudo teve por objetivo verificar se os estudantes universitários são alfabetizados financeiramente e se a alfabetização é afetada por variáveis socioeconômicas e demográficas. Foram aplicados questionários a 534 estudantes de graduação de universidades na região central do Rio Grande do Sul. Os resultados revelam que os estudantes apresentam um comportamento financeiro positivo, mas não satisfatório, dado que não têm, de forma bem estabelecida, hábitos de poupar mensalmente e de manter uma reserva financeira para casos inesperados. Além disso, possuem atitudes financeiras adequadas, apesar de demonstrarem um nível insatisfatório de conhecimento financeiro, culminando em um grau mediano de alfabetização financeira. Os indivíduos do gênero masculino, detentores das maiores faixas de renda e com formação financeira são os que apresentaram os níveis mais elevados de alfabetização financeira. Constatou-se, ainda, que a alfabetização financeira é influenciada positivamente pelas variáveis formação, ocupação, gênero e renda. Assim, ratifica-se a urgência e a necessidade de serem desenvolvidas ações efetivas para minimizar o problema do analfabetismo financeiro.

 


Palavras-chave

Alfabetização financeira; conhecimento financeiro; comportamento financeiro; atitude financeira; estudantes universitários


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