Finanças pessoais: um estudo do comportamento dos funcionários de uma cooperativa de crédito

Abstract

Given the existing inequalities in Brazil, it is important for people to know mechanisms to better manage their finances. The employees of a financial institution are privileged in this subject, since with the knowledge I acquired daily they tend to develop a posture consistent with the theories approached in the financial education. Thus, the general objective of this research is to ascertain how employees of a financial institution behave in relation to their personal finances. For this, we used a descriptive and qualitative approach through a questionnaire with objective questions applied to 44 employees. The survey results show that: (i) employees presented a satisfactory stance regarding the management of their resources; (ii) Most of them showed resistance to variable income investments; (iii) Employees still showed preference for investments in fixed income and savings; (iv) Employees with higher positions and consequently higher salaries are more receptive to variable income investments; (v) most respondents are female and aged between 31 to 40 years. Finally, it is concluded that respondents generally have a conservative profile and an attentive posture regarding their finances and investments, proving that their daily work experience contributes to a financial education.