Educação financeira e práticas do uso de cartões de credito: um estudo com discentes da UFPB

Abstract

This study aimed to identify the financial practices in the usage of credit card by means of payment and the needs of financial education by UFPB’s student. The methodology is applied as the objective was exploratory and descriptive, and the procedure used was field research. The sample was composed of 375 questionnaires. The main results were: approximately 11% of the survey sample are classified as risk of poor credit management, consisting mostly of women and up to 23 years; the majority of the total survey has a credit card until the first year of university; respondents prefer to receive information on finance over the internet and a financial professional; the low level of knowledge of young people is caused due to the early stage of the financial life cycle; the problems of mismanagement of debts of credit cards include accumulation of debts, financial problems, emotional problems and low academic performance.