Planejamento financeiro: uma análise de comportamento financeiro declarado de discentes do curso de Administração

Abstract

The present study sought to understand the process of managing of the personal finances of students, from the financial behavior perspective. For this, a bibliographic source research was carried out, whose data collection was done by means of a questionnaire with students of the course of Business Administration, who quest to study Higher Education outside their domicile, composed of 24 questions that approach socioeconomic and demographic variables, questions related to the decision-making process referred to career choices as well as related to personal finances. The data obtained were analyzed qualitatively, seeking to identify financial behavior, also relating to the socioeconomic context in which the students interviewed are inserted. Adequate financial behavior was detected: they showed concern about their finances, performing a superficial control of their expenses. They have shown a concern to opt, whenever possible, for the cheapest product/service, but that meets the needs. Regarding to savings habits, investments and financial planning for the move out to João Pessoa-PB, respondents presented an inadequate financial behavior, because most of the students did not invest, and those who did, applied their money in savings account. Most of them also answered that they didn’t plan financially for the move out, implying in situations of financial deficit and stress. Significant differences were observed in the financial behavior regarding the family income range and age.