Educação financeira: uma análise das práticas familiares dos associados às cooperativas de crédito

Abstract

This study aimed to analyze how financial education can contribute to the sustainable family development of families associated with credit cooperatives in the Northeast Region. This is a descriptive and survey research. A field survey was conducted with 323 individuals, by means of a questionnaire, sent by electronic address, with the help of the Google Form. This questionnaire was previously pre-tested and 21 questions were written about the interviewee and his family. A total of 124 responses were obtained, representing 38,4% of the population studied. The results indicate that the age range are concentrated between 25 and 39 years old, representing a young public associated to credit cooperatives. About the financial knowledge, men feel safer than women, and married individuals have a higher index of knowledge about finance, yet only 8% of the respondent population claimed to have broad knowledge of the subject. The factor "practical experience" was pointed out as a determinant in the acquisition of knowledge. Although 80,6% of individuals consider financial education to be of high importance, more than half of those who have children don’t practice financial education at home and do not plan to use money in the long run, resulting in a lack of control and consequently the indebtedness.