Educação financeira e a contribuição dos cursos de administração e ciências contábeis da UFJF para o processo de tomada de decisão financeira dos discentes

Abstract

Due to factors such as: stabilization of the real, globalization, technological advancement and digital access to information, the mode of consumption has changed and the complexity of available financial services has increased. It is through Financial Education that knowledge is transmitted to support the decisions of consumption, investment and financing of individuals, forming critical citizens, knowledgeable about the financial services available in the market and able to manage their personal finances, in search of personal well-being and society. Aware of the need to educate the population to work in the financial environment, aiming at the economic leverage of the country and the general well-being of society, this research aims to analyze if the academic training of the courses of Administration and Accounting Sciences of the Federal University of Juiz de Fora, contributes to the students' financial decision making process in the personal sphere, to analyze the socioeconomic profile of the students, their main sources of knowledge about financial education and the level of understanding about concepts related to financial education. For this purpose, 313 questionnaires were applied in students from the 1st to 8th period, containing 34 questions about the respondent's profile, finances concept, and consumer decisions and investment of the respondents. At the end, a knowledge test with 12 multiple choice questions. Results were compared among students from different periods, socioeconomic profile, gender, age, level of knowledge and attitude of individuals with regard to financial decisions made by them. These results were then matched to the knowledge test scores. It was found that students are aware of the relevance of obtaining financial education and there is expressive demand for this type of education by students. Although most respondents claim to have received financial education in classes at university, there is a superficiality with respect to the subject, so that practical experience and access to digital platforms are more relevant and meaningful to students as a learning reference. Given the results achieved, we conclude that the courses of Administration and Accounting Sciences of the UFJF do not contribute in a relevant way to raise the level of financial education of the students.