Educação financeira: um estudo sobre o uso do cartão de crédito pelos alunos que buscam auxílio no curso de educação financeira do Procon/JF

Abstract

Due to factors such as, stabilization of the real, technological progress and consequent globalization, the financial methods (mainly credit card) and the form of consumption have also evolved, becoming more accessible, complex and developed. Through Financial Education, knowledge becomes available to make take investment, financing and consumption decisions, forming citizens able to manage personal finances, in search of personal well-being. With the emergence of the UFJF Financial and Fiscal Support Center, it was possible to perceive that a large number of indebted persons who requested assistance in resolving financial situations, especially involving a credit card, did not have an adequate level of knowledge that enabled them to make righ decisions and to plan financially. Based on this information and findings, the present research consists of a study about the degree of knowledge on Financial Education of individuals seeking financial assistance in the course of Financial Education offered by PROCON / JF. The project was developed through the application of questionnaires distributed in person on April 1st and 2nd, 2019 at the PROCON headquarters where the course was taught. The questions were addressed on the general data of the respondents (profile), concepts of personal finance and decisions consumers, as well as issues involving consumer behavior and specific credit card situations. After data collection, the data were tabulated and the data obtained were analyzed using the IBM SPSS STATISTIC software. With the analyzes completed, it was verified that the students participating in the course, in general, do not have adequate knowledge in financial education, impacting mainly those who have credit cards. It was observed that this lack of knowledge affects the decision making either in investments, in financial planning, negotiation of debts, or simply related to the consumption of the day to day.