Fatores que influenciam nas tomadas de decisões financeiras dos estudantes de Ciências Contábeis da Universidade Federal da Paraíba

Abstract

Consumerism is currently an increasingly present problem in the economic scenario. Financial education is a tool that contributes to an individual's knowledge, making them able to make rational and assertive decisions. The lack of financial education can have consequences for the lives of young people and adults. And we know that daily work is needed, identifying possible risks early on. The more knowledge gained; the more individuals will be able to manage their finances. As we do not have in our culture the insertion of financial education in formal education from an early age, people tend to be influenced by several factors in their decision-making and even in higher education courses that deal directly with business finance, many students do not yet have the habit of financial education. Aiming to identify whether this situation is relevant in the Accounting Course, this study aimed to identify the factors that influence the financial decision-making of students in the Accounting Course at UFPB. As for the methodology, it is an exploratory research with a quantitative approach, whose data collection was done through the application of a questionnaire, answered by 120 students, from the 5th to the 8th period of the course. The results show that students know the importance of personal financial planning, however not all do due to financial constraints, but those who do, set goals and objectives, as they know that it is necessary to plan to achieve a better quality of life in the future. It can be inferred that for the people interviewed in this investigation, without being able to generalize, the Accounting Course positively influenced the quality of financial decision-making, even if this inference is not based on an assessment of the quality of education.