Estudo sobre a falta de planejamento financeiro e endividamento de bombeiros militares do estado da Paraíba

Abstract

This work sought to analyze the importance of the introduction of financial education in the Fire Department of Paraíba and the level of indebtedness of the military. The methodology applied in a non-probabilistic sample for accessibility of 110 military firefighters was a questionnaire with 31 questions divided into three sections: 1) socioeconomic profile; 2) level of indebtedness; 3) education and financial planning. The socioeconomic profile of the respondents shows an age group between 39 and 50 years old, with 72.73% married and predominantly male, 87.27%, with 42.73% receiving wages of up to R$ 3,816.00. As for debt, about 50% have high expenses with credit cards, loans and financing, ranging from 600 to 4000 reais. The crossfertilization of socioeconomic variables and indebtedness showed that men and women compromise their income in the same proportion, in this respect. As for age the youngest (18 to 28 years) and especially the older (above 51 years) allocate lesser portion of their income with loans. Most of them have some planning habits, with cost control, but they need to improve financial education, which is proven by only 30% of the respondents have emergency reserves. Although theme is not part of daily firefighters and most do not seek information about financial education. Given the factors that can lead to excessive indebtedness, such as spending all income without leaving leftover resources, it is concluded that it is extremely important to introduce financial education into the training of the military.