Nível de alfabetização financeira das micros e pequenas empresas de Olivedos - PB.

Abstract

Financial literacy has been a much-discussed topic in the lives of managers, being one of the key factors for individuals to know how to make sounder financial decisions and thus achieve financial prosperity, in addition to growing in a healthy way. However, research reveals that there is a considerable mortality rate for micro and small companies and one of the reasons is poor financial management. Therefore, the present study aimed to describe the level of financial literacy of micro and small business entrepreneurs in the city of Olivedos-PB, through the three dimensions proposed by the OECD (Organization for Cooperation and Development): financial attitude, financial behavior and knowledge financial. The research is characterized as descriptive with a quantitative approach, data collection through questionnaires and as a data analysis technique it used descriptive statistics. From the results, it was identified that most entrepreneurs are male, aged between 36 and 45 years, that more than 54% have completed high school, and about 86.27% belong to the commerce sector. This study concluded that most entrepreneurs in Olivedos-PB have financial literacy rates considered satisfactory, but actions that expand managers' financial knowledge will help to increase their appropriate levels of financial literacy. Keywords: Entrepreneurs; Financial literacy; Financial