Análise do endividamento por meio do crédito consignado dos servidores públicos da Universidade Federal da Paraíba

Abstract

Payroll-deductible loans have shown great strength in the financial life of public servants, as it is easy to grant, in addition to lower interest rates due to its security in discounting directly from the payroll. In this context, this research aimed to analyze the indebtedness through payroll-deductible credit of the public servant of the Federal University of Paraíba, which had the methodology with a bibliographic nature and a quantitative approach, with data collection through a questionnaire answered by 101 civil servants. 40 of them were discarded for not fitting the research profile. As a result, it was possible to conclude that the servers have, on average, a regular level of financial education, and a considerable degree of indebtedness when it comes to the group belonging to the salary age group of R$ 6,001.00 to R$ 9,000.00. The research contributed to analyze the intensity that payroll-deductible loans have in the life of public servants and to conclude that greater knowledge about financial control is needed.