Educação financeira: um estudo sobre o nível de endividamento dos guardas civis municipais de João Pessoa

Abstract

This study had as main objective to identify the level of indebtedness of the municipal civil guards of João Pessoa. For this purpose, 168 questionnaires were applied, which was divided into 3 blocks of questions, block A had questions to identify the socioeconomic and demographic profile, block B had questions about indebtedness and block C raised questions about the topic of financial education. With regard to indebtedness, it was observed that female people tend to be more indebted than males, such as the contraction of loan debt, around 74.78% are women and only 25.22% are men. Of the 168 participants, about 70% are indebted, have credit card debts, loans and overdrafts, and it has also been verified that the lower the income, the higher the level of indebtedness. Of the 168 participants, about 53.57% said they had guidance on the topic of lifelong financial education, and only 5.60% reported that knowledge was acquired in the Municipal Civil Guard of João Pessoa. It was possible to verify that the server is generally indebted and does not have sufficient knowledge about the subject to efficiently manage its finances.