Planejamento financeiro e endividamento: um estudo preliminar no curso de Gestão Pública da UFPB / Idalice Souza de Medeiros Barreto

Abstract

This research aimed to analyze, in a preliminary way, the perception of indebtedness, productivity and financial education in the Public Management Course at the Federal University of Paraíba. In a more direct way, it was intended to: a) Study the relationship between the level of knowledge in Personal Finance and the degree of Indebtedness of civil servants and students of Public Management; b) Check whether financial education is used as a budgetary control mechanism for civil servants; and, c) Identify the consequences of indebtedness on personal life and productivity from the perception of civil servants and students. For the research to be carried out, a qualitative research was carried out using the bibliographical research method, and with data collection. In all, 13 volunteers participated in the survey, where the questionnaire contained 44 questions, divided into three parts: socioeconomic profile, debt and productivity profile, and financial education profile. Through the research, it can be concluded that the level of indebtedness is low in relation to the research, it can be concluded that the level of financial education of the interviewees is unsatisfactory, since they attributed credit card and loans as the main cause of their debts moreover, questions answered by them showed little knowledge about financial education. It can be suggested that projects and programs be implemented within the institution that guide and direct individuals towards effective financial planning, because even with different means of obtaining information on the subject.