Práticas financeiras pessoais e reconhecimentos financeiros: a influência das disciplinas financeiras no desempenho de discentes de graduação.

Abstract

Personal finance deal on the basic economic unit, providing for their habits and decisions in relation to aspects such as consumption, planning, investment, debt, among others. It has vital importance in relation to both individual and the collective, influencing the economic balance of the country. Several studies have confirmed the lack of preparedness of the Brazilian population in this respect, in a moment that it becomes increasingly necessary. This study aimed to analyze the influence of financial disciplines in financial practices and knowledge of undergraduate students seeking to verify if this fact can influence better results for the two aspects. The courses were divided into two groups: Group 1, containing courses with financial subjects, in this case, Administration and Accounting; and Group 2, which lacks these subjects, identified as Law and Social Work. The research was classified as descriptive and bibliographical survey with non-probabilistic convenience sample, selected in the last period offered classes of the respective courses. The research instrument was a structured program of 25 questions divided into three parts questionnaire. Results indicated superiority for Group 1 compared to Group 2, with their students constituting less debt, more controlling your spending, financial planning more and investing more, besides demonstrating a higher level of some basic topics related to finance knowledge, signaling the gap between disciplines and contributing to the development proposal and supply discipline about Personal Finance or offer courses on the subject for all students of the center.