Analise de endividamento financeiro: um estudo de caso entre instituições pública e privada na cidade de Cajazeiras – PB.

Abstract

The debt issue or personal finances are present in headlines of magazines and newspapers and discussions, it is understood that a portion of the population has no knowledge about the subject and eventually commit much of their wages in several installments. Thus financial controls help in the rational management of own resources, mainly in form of using them, aiming to show the best time to invest, save or accumulate assets or cash. In this sense the present work aimed to evaluate the students of the debt profile of public and private institutions in the city of Cajazeiras - PB. For this research was characterized as a case study with a qualitative approach and descriptive procedure, performed in a public institution and a private City Cajazeiras - PB. The sample consisted of 240 students from public institutions and 207 students from the private institution, selected by the sampling technique of probability, random and finite population. The study included all students able to understand the proposal and questions of research and who agreed to participate. Data were collected through a structured questionnaire formulated with questions relevant to the proposed study. The data obtained after the questionnaires were analyzed using the software Excel 2014 where tables and graphs were generated. The results showed that most students have knowledge on financial education, and as a source highlights have learned from studies, but have no knowledge on household budget and do not do financial planning. Most students have debts, where it was noted that the source of the debt is diversified between health, food, clothing and others. However as the modalities most marked the credit card as the great villain of the debt. Thus, it is possible to infer that the lack of financial planning influences the lack of personal finance, leading to the hiring of debts and debt.