Educação financeira: uma análise da alfabetização em finanças pessoais entre universitários

Abstract

This research analyzes university students of e-learning from the Universidade Federal de Juiz de Fora, in Minas Gerais, Brazil, to evaluate their personal financial literacy, the relationship between the level of knowledge in personal finances and the characteristics of students, verifying if e-learning contributes to acquisition of knowledge in personal finance, if there is a difference in the appropriation of concepts of financial education among students of business courses and non-business areas, applying the research of Chen and Volpe (1998). The results show that 74.7% of the students presented good financial literacy, with a mean of 68.5% of the corrects questions. The variables with statistical relevance in this study were family income, type of high school and participant’s course area. Students of non-business-related courses, women, up to 29 years and with little work experience present lower levels of knowledge. It is concluded that the university e-learning students are relatively well informed about personal finances, but the teaching of financial education, in a scenario of increasing indebtedness, still has gaps, which, if supplied, will bring positive impacts on life of individuals, families and the economy of the country.