A influência dos vieses comportamentais nas decisões financeiras dos estudantes de graduação da UFJF-GV

Abstract

This study analyzes the influence of behavioral biases on the financial decisions of UFJF-GV students, considering differences between the areas of Applied Social Sciences and Life Sciences. This descriptive research study with a qualitative approach used an online questionnaire to collect data on financial habits, sources of knowledge, and factors that influence students' investment decisions. The results indicate that most students adopt conservative investment strategies, with the lack of financial knowledge and the fear of losses being the main obstacles to more frequent investment practices. In addition, students in Applied Social Sciences seek more academic and institutional information, while students in Life Sciences rely on social networks and personal recommendations. The study also confirmed the presence of biases such as loss aversion, herd behavior, and overconfidence, varying in intensity across areas of knowledge. The results reinforce the need for specific educational interventions to mitigate behavioral situations, promoting more rational financial decision-making. Despite limitations, such as sample size and the restricted data collection period, the research contributes to the understanding of the psychological factors that affect the financial behavior of university students and suggests ways to improve their financial education.