Endividamento x planejamento financeiro pessoal: um estudo com policiais militares do estado da Paraíba

Abstract

This paper aims to verify the relationship between the lack of personal financial planning and the indebtedness of the military police of the state of Paraíba. The choice of this topic is justified because it understands that the number of indebted people increases each day, causing several problems. The work was developed by a methodology conducted through a descriptive-exploratory research through a survey survey, where the data were collected through a questionnaire applied to a sample composed of 518 military police officers. As a result the research found that most of the military had information about financial education and the main means of acquiring this knowledge was through searches on the internet. With regard to personal financial planning it was found that many of the interviewees have expense control sheets, however, they are not in the habit of noting their monthly expenses, as well as making budgets for better management of their finances. It was also verified that the lower the income and consequently the position, the greater the propensity and the level of indebtedness of the military. Of the over-indebted ones all belong to the hierarchical cycle of the squares. And the main reason presented for the acquisition of long-term debt is for investments in the acquisition of car or property. It was possible to verify that, in general, the lack of management and planning of personal finances is one of the determinants and indicators of indebtedness.