A influência da educação financeira e da habilidade cognitiva em finanças: um estudo empírico com alunos dos cursos de administração e ciências contábeis em uma instituição de ensino superior pública da Paraíba.

Abstract

With the stabilization of the Brazilian economy we foresee with a relatively high degree of accuracy, how much our money would be worth in the future, likewise the Graduation Courses in Administration and Accounting Sciences have also begun to put into practice concepts and technological innovations that may impact on the cognitive abilities of its student body. Within this context, the present research will evidence the financial and educational influence as well as the cognitive ability in finances in the students' views of a public 1ES of Paraiba. The focus is to verify if the knowledge acquired in the subjects which have a correlation with finances such as Financial Mathematics and Financial Administration causes students to become more conscientious on their financial decisions and how this reflects on daily life practices. This study will be directed by the positivistic paradigm, that is, based on observation and data analysis, the used methodology will be descriptive and exploratory. As for the data collection, it is a Survey type, where questionnaires will be applied to the students of the 3r d , 5t h , 7 t h and 9 t h terms of Accounting Sciences and 4 t h and 6t h terms of Administration. The tabulation and analysis of results is performed using the Statistical Package for Social Sciences 13.0 - SPSS software, through the Factorial Analysis, which obtained a 0.91 KMO, proving the viability of the statistical technique, it was noted that of the 27 variables that have been analyzed only 25 which in turn were grouped in 5 factors which point the financial and educational influence as well as the cognitive ability in finances. According to the analysis the factor that influences the most on the financial decisions in the view of students is the relationship between finances and financial planning.