Educação financeira: uma análise das práticas financeiras dos colaboradores das cooperativas de crédito do Nordeste

Abstract

This study has as objective analyze if the fact to work in a financial institution impact in the employees’ financial education of credit cooperatives in the Northeast. It was a descriptive kind of research, data survey and quantitative approach. The research was realized through a questionnaire divided into four blocks, to respondents’ profile definition and analysis of financial life. Using objective questions and a sample of 304 individuals, sent by electronic address, with the aid of Google’ tool formulary. The results from the research show thatthe employees performed a position satisfactory over the management oftheir resources, 40,50% can pay their expenses as well as go shopping and 32,20% besides pay their expenses can invest the rest. Concerning the employees, 15,50% resistance to financial applications, as well as 54,90% prefer savings account and application in fixed rent. The majority of interviewed are of female sex with the age group between 21 and 30 years old and 32,60% hold high level education. In relation to expenditure personal control, it was possible to identify that the majority, 53,60%, lists all costs and income in a spreadsheet and analyze data frequently. On the basis of the financial planning an attendance based on income and costs with leftovers planning where 37,50% has this habit. And 23,15% understands how an important item to the financial planning keep up monthly costs and income. In the face of these results, employees may be considered financially educated, proving that the experience acquired daily in the work contributes to a financial education.