Finanças pessoais: um estudo sobre educação financeira dos servidores públicos da UFPB

Abstract

This research aimed to analyze the debt characteristics of public servants at the Federal University of Paraiba. For this, the work was carried out by non-probabilistic descriptive research, using an assessment survey, with a quantitative approach using Microsoft Excel and software Statistical Package for the Social Sciences - SPSS. The sample was made with 388 servants from the Federal University of Paraiba. The questionnaire was designed with 27 questions, divided into 3 blocks. The first part with questions about the sample profile. The second part brings questions about indebtedness and constitution of debts. The third part brings questions about personal finances. As for the socioeconomic profile, the majority were male, married, with salaries above R$ 6,000.00 reals and a complete higher education with graduate degrees. As for indebtedness, 77.32% affirm that their accounts are up to date. 22.68% claim to be in arrears, attributing the lack of financial planning as major reason. The credit card is configured as the main type of debt on servers. 70.36% of the employees haven’t used credit card installments. Over half of the employees don’t own or claim to have debts to pay within 2 years. As for financial education, 85.83% affirm they have control over spending. 84% of respondents said they had a medium or high level of financial education, however, 24.57% of employees said they did not research the topic. Fixed income is the predominant investment among servants, demonstrating a conservative character in investments.