Educação financeira e endividamento: um estudo de caso dos servidores público em Taperoá-PB

Abstract

This research aimed to identify the relationship between the level of financial education and the level of indebtedness of civil servants in the Municipality of Taperoá/PB. Specifically, it was intended to: a) trace the socioeconomic profile of the servers; b) analyze the level of indebtedness; c) verify the level of financial education and family planning of public servants and, d) identify possible causes and consequences of indebtedness for municipal public servants. To achieve the objective of the work, it was decided to carry out a qualitative research using the bibliographical review method and with data collection through a questionnaire answered by 38 municipal public servants. The questionnaire was prepared with 39 questions, divided into 3 parts (socioeconomic profile, debt level profile and financial education level profile). Through the results of the research, it can be concluded that the level of financial education of the servants of Taperoá is insufficient and that despite the level of indebtedness of the sample being relatively low, the profile of the interviewees suggests a lack of knowledge in areas such as financial planning and investment. Regarding the level of indebtedness, it was found that the majority of public servants define themselves as having little indebtedness, with a frequency at more serious levels of the increase in payroll loans in the period analyzed in financial institutions during the period of covid-19. In view of this, there is a need for public policies in partnership between the municipality of Taperoá and Universities, including state schools, so that courses, lectures and training on Financial Education can be given.