Materialismo e endividamento: um estudo da percepção dos discentes do curso de Administração do CCJS/UFCG.

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, etc. It has vital importance both for the individual and the collective, influencing the economic balance of the country. Several studies show the lack of preparation of the population in this respect, in a moment that it becomes increasingly necessary. So this research aims to verify indict debt in academic course of Directors of the Federal University of Campina Grande - PB. Therefore this research it is a quantitative study, with descriptive procedure, developed with academic course of Directors of UFCG campus Sousa - PB. The sample included 131 Administration undergraduate students, representing 66.16% of the population (students enrolled in semester 2015.2). The instrument for data collection used was a structured questionnaire. The results showed that young people have problems in managing your monthly budget, with higher expenses than your income, debts late, especially in relation to credit card. Moreover, it was observed that even with the practice to save their resources with applications in savings still find scholars with debt problems. Similarly, it was observed that the main reason given for the accumulation of debt is financial disorganization and lack of planning. Thus, it could be inferred that the lack of financial planning influences the lack of personal finance, leading to the hiring of debts and debt.