Educação financeira: sua influência nas decisões de investimento e consumo de estudantes da Universidade Federal Rural da Amazônia

Abstract

In view of the need to debate and find ways to fill the gaps caused by the lack of financial education in people's lives, it was decided to research on this topic in order to analyze its influence on investment and consumption decision making by students. from the Federal Rural University of Amazonia. Therefore, it is necessary to analyze how the different undergraduate courses of the students in question influenced their financial knowledge, to evaluate how university students organize their personal financial management and financial planning and to identify the relationship between socioeconomic variables and financial education. folks. Then, an applied, descriptive research with a quantitative approach is performed. A questionnaire was used as a data collection instrument, which was applied to 159 students from different courses and semesters of the Federal Rural University of Amazonia, Campus Capanema, Pará. Environmental Engineering obtained a good average of correct answers in matters of financial knowledge, compared to students of Agronomy and Biology (Bachelor and Degree); that most students are unsure about managing their finances, and exceed the monthly budget in almost half of the cases. It was found that almost half of the students do not set long-term goals, compromising the formation of financial reserves and investments, and that there is no significant difference in the level of savings between genders, with the female respondents saving slightly. higher than respondents of the opposite sex. Finally, it was found that the lack of financial education can reflect negatively on personal finances, the way students act in situations where financial knowledge is required, and also cause possible future financial damage.