Planejamento financeiro pessoal: um estudo sobre o perfil financeiro dos ingressantes do curso de ciências econômicas advindos de outras cidades

Abstract

This research aimed to analyze the personal financial behavior of students focusing on the decision making process. The sample chosen were students entering the Economic Sciences course of a higher education institution who migrated to experience graduation in the city of João Pessoa. Therefore, the methodological procedure was the application of a questionnaire and semi-structured interview aimed at exploring the family socioeconomic profile, the characteristics that involved the decision and the personal financial management of the students. Data were analyzed qualitatively seeking to meet the specific objectives of the research. Positive and negative factors related to the students' financial behavior in the decision making process were identified. The decision-making process generally sought facilities provided with financial concerns, such as the proximity of the city in which they resided, but found to be superficial, reflecting difficulties that may make it impossible for students to stay in another city and undergraduate. In general, students are dependent and earn a family income of up to 3 minimum wages, but most stated that they had not planned financially to live this experience, factors that can aggravate problems such as debt, frustrations, anguish and stress.