Educação financeira: um estudo sobre o nível de educação financeira dos colaboradores das filiadas de uma central de cooperativas de crédito na região Nordeste

Abstract

This study aimed to analyze the level of financial education of the employees of the affiliates of a central credit cooperatives in the Northeast region. It is defined as a descriptive research, survey and quantitative approach. The sample is composed of 243 participants, which corresponds to 41.5% of the population. Data collection was done through the application of a questionnaire divided into four blocks, totaling 24 questions and data analysis was performed using descriptive statistics techniques. The results indicate that the age group of the respondents concentrated expressively between 21 and 30 years old, and most of them have completed higher education. Regarding the level of confidence of employees to manage their personal finances, it was possible to identify that the majority, 50.2%, feel reasonably safe, while only 1.6% feel insecure. Among the most used financial products, 96.7% of professionals said they use credit cards and 48.6% said they had personal loans. The largest number of respondents has between 21% and 30% of their income committed to the payment of loans and financing installments, while 23% do not have such obligations. Only 9.5% of the respondents have operations in arrears, and the credit card accounts for 44.8% of the default cases. Considering the results obtained with this research, it is concluded that, in general, employees can be considered financially literate.