Gestão financeira pessoal: práticas adotadas pelos discentes de Graduação em Administração da UFCG - Campus Sousa/PB.

Abstract

Financial education is the means by which the individual seeks to acquire the knowledge necessary to manage their finances in an organized way. This knowledge is related to the planning and control of personal finances, indebtedness and investment. This research investigates the behavior of the students of Administration course in the Federal University of Campina Grande (Campus Sousa / PB), in relation to personal financial management practices. The study is classified as descriptive, regarding the objectives; procedures; qualitative and quantitative approach to the problem. The sample is composed of 152 students from the Administration Course of the UFCG (Campus Sousa / PB). The research instrument used was a questionnaire, composed of 18 questions, which deals with the profile, planning and control of personal finances, indebtedness and defaults and investments. The results showed that most students plan and control their earnings and spending through means that facilitate personal financial management but they most do not make investments. The realization of investments enables the formation of a financial reserve to be used in the event of unforeseen events and / or short / medium term (travel, for example) and long term (retirement) planning.