Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia
Autor(a) principal: | |
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Data de Publicação: | 2014 |
Tipo de documento: | Tese |
Idioma: | por |
Título da fonte: | Biblioteca Digital de Teses e Dissertações da Uninove |
Texto Completo: | https://bibliotecatede.uninove.br/handle/tede/999 |
Resumo: | This study investigated the level of financial literacy of Brazilian university students and its possible relationship with social capital, perceived self-efficacy, consideration of future consequences and financial stress. The sample included students enrolled in a private University in Sao Paulo. These students come from different backgrounds, in terms of geographical origin, race, gender, age, marital status, socio-economic class, and family income. A factor analysis and a hierarchical regression were conducted. The factor analysis on the scales of financial self-efficacy, consideration of future consequences, and financial stress indicated that these instruments are appropriate for use with the sample college students. The findings revealed that some components of social capital, such as the level of father's education and the number of courses taken in finance have positive relation with the level of financial literacy of college students. The family income level and maternal education were not relevant. As for the other variables studied, the perceived self-efficacy was not related to the level of financial education, however, consideration of future consequences and financial stress could be related to the level of financial education of social subjects. The research question, the general and specific objectives, as well as the assumptions defined in the study were, respectively, answered, achieved and confirmed. |
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Silveira, Am??liahttp://lattes.cnpq.br/7530550147145928Biancolino, C??sar AugustoMaccari, Emerson Antoniohttp://lattes.cnpq.br/1320281388219996Nelson, Reed Elliothttp://lattes.cnpq.br/1102913561025402Sousa, Almir Ferreira dehttp://lattes.cnpq.br/7327293655433139Sav??ia, Jos?? Roberto Ferreirahttp://lattes.cnpq.br/712388521803154614405029865http://lattes.cnpq.br/8351170926389705Donadio, Rosimara2015-05-11T14:50:10Z2014-09-26https://bibliotecatede.uninove.br/handle/tede/999This study investigated the level of financial literacy of Brazilian university students and its possible relationship with social capital, perceived self-efficacy, consideration of future consequences and financial stress. The sample included students enrolled in a private University in Sao Paulo. These students come from different backgrounds, in terms of geographical origin, race, gender, age, marital status, socio-economic class, and family income. A factor analysis and a hierarchical regression were conducted. The factor analysis on the scales of financial self-efficacy, consideration of future consequences, and financial stress indicated that these instruments are appropriate for use with the sample college students. The findings revealed that some components of social capital, such as the level of father's education and the number of courses taken in finance have positive relation with the level of financial literacy of college students. The family income level and maternal education were not relevant. As for the other variables studied, the perceived self-efficacy was not related to the level of financial education, however, consideration of future consequences and financial stress could be related to the level of financial education of social subjects. The research question, the general and specific objectives, as well as the assumptions defined in the study were, respectively, answered, achieved and confirmed.O trabalho investigou a educa????o financeira de estudantes universit??rios brasileiros e suas poss??veis rela????es com o capital social, a auto-efic??cia percebida para o gerenciamento de finan??as pessoais, o comportamento quanto ??s considera????es de consequ??ncias futuras na tomada de decis??es financeiras e os fatores geradores de estresse financeiro. A amostra utilizada constituiu-se de alunos matriculados no ano de 2014, do quinto ao oitavo semestre, no curso de Administra????o, nos campi de S??o Paulo, de uma universidade privada, que possui, em seu quadro de discentes, a heterogeneidade de indiv??duos, em termos de origem geogr??fica, ra??a, g??nero, faixa et??ria, estado civil, classe s??cio-econ??mica, e renda familiar mensal. A pesquisa caracterizou-se como descritiva, com m??todo quantitativo, tendo sido utilizadas as t??cnicas estat??sticas de an??lise fatorial explorat??ria e a regress??o m??ltipla hier??rquica, para tratamento dos dados. O estudo revelou que alguns componentes do capital social, como o n??vel de educa????o do pai e o n??mero de disciplinas cursadas em finan??as t??m rela????o positiva com o n??vel de educa????o financeira dos estudantes universit??rios. J?? o n??vel de renda familiar e o n??vel de educa????o materna n??o foram relevantes. Quanto ??s demais vari??veis pesquisadas, a auto-efic??cia percebida tamb??m n??o apresentou rela????o com o n??vel de educa????o financeira, por??m, a considera????o de conseq????ncias futuras na tomada de decis??es financeiras e o estresse financeiro puderam ser relacionados ao n??vel de educa????o financeira dos sujeitos de pesquisa. A quest??o de pesquisa, os objetivos geral e espec??ficos, assim como as hip??teses definidas no trabalho, foram, respectivamente, respondida, atingidos e confirmadas.Submitted by Nadir Basilio (nadirsb@uninove.br) on 2015-05-11T14:50:10Z No. of bitstreams: 1 Rosimara Donadio.pdf: 2258487 bytes, checksum: 9654f9cee2a66966bff859c709031f9a (MD5)Made available in DSpace on 2015-05-11T14:50:10Z (GMT). No. of bitstreams: 1 Rosimara Donadio.pdf: 2258487 bytes, checksum: 9654f9cee2a66966bff859c709031f9a (MD5) Previous issue date: 2014-09-26application/pdfporUniversidade Nove de JulhoPrograma de P??s-Gradua????o em Administra????oUninoveBrasilAdministra????oeduca????o financeirafinan??as pessoaisestudantes universit??riosinstitui????es de ensino superiorfinancial educationfinancial literacypersonal financecollege studentsCIENCIAS SOCIAIS APLICADAS::ADMINISTRACAOEduca????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??nciainfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/doctoralThesis8024035432632778221600info:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações da Uninoveinstname:Universidade Nove de Julho (UNINOVE)instacron:UNINOVEORIGINALRosimara Donadio.pdfRosimara Donadio.pdfapplication/pdf2258487http://localhost:8080/tede/bitstream/tede/999/2/Rosimara+Donadio.pdf9654f9cee2a66966bff859c709031f9aMD52LICENSElicense.txtlicense.txttext/plain; charset=utf-82165http://localhost:8080/tede/bitstream/tede/999/1/license.txta29ee53e1b3208ad99592263fc80192aMD51tede/9992015-07-08 09:47:15.869oai:localhost: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Biblioteca Digital de Teses e Dissertaçõeshttp://bibliotecatede.uninove.br/PRIhttp://bibliotecatede.uninove.br/oai/requestbibliotecatede@uninove.br||bibliotecatede@uninove.bropendoar:2015-07-08T12:47:15Biblioteca Digital de Teses e Dissertações da Uninove - Universidade Nove de Julho (UNINOVE)false |
dc.title.por.fl_str_mv |
Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia |
title |
Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia |
spellingShingle |
Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia Donadio, Rosimara educa????o financeira finan??as pessoais estudantes universit??rios institui????es de ensino superior financial education financial literacy personal finance college students CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
title_short |
Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia |
title_full |
Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia |
title_fullStr |
Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia |
title_full_unstemmed |
Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia |
title_sort |
Educa????o financeira de estudantes universit??rios: uma an??lise dos fatores de influ??ncia |
author |
Donadio, Rosimara |
author_facet |
Donadio, Rosimara |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Silveira, Am??lia |
dc.contributor.advisor1Lattes.fl_str_mv |
http://lattes.cnpq.br/7530550147145928 |
dc.contributor.advisor-co1.fl_str_mv |
Biancolino, C??sar Augusto |
dc.contributor.referee1.fl_str_mv |
Maccari, Emerson Antonio |
dc.contributor.referee1Lattes.fl_str_mv |
http://lattes.cnpq.br/1320281388219996 |
dc.contributor.referee2.fl_str_mv |
Nelson, Reed Elliot |
dc.contributor.referee2Lattes.fl_str_mv |
http://lattes.cnpq.br/1102913561025402 |
dc.contributor.referee3.fl_str_mv |
Sousa, Almir Ferreira de |
dc.contributor.referee3Lattes.fl_str_mv |
http://lattes.cnpq.br/7327293655433139 |
dc.contributor.referee4.fl_str_mv |
Sav??ia, Jos?? Roberto Ferreira |
dc.contributor.referee4Lattes.fl_str_mv |
http://lattes.cnpq.br/7123885218031546 |
dc.contributor.authorID.fl_str_mv |
14405029865 |
dc.contributor.authorLattes.fl_str_mv |
http://lattes.cnpq.br/8351170926389705 |
dc.contributor.author.fl_str_mv |
Donadio, Rosimara |
contributor_str_mv |
Silveira, Am??lia Biancolino, C??sar Augusto Maccari, Emerson Antonio Nelson, Reed Elliot Sousa, Almir Ferreira de Sav??ia, Jos?? Roberto Ferreira |
dc.subject.por.fl_str_mv |
educa????o financeira finan??as pessoais estudantes universit??rios institui????es de ensino superior |
topic |
educa????o financeira finan??as pessoais estudantes universit??rios institui????es de ensino superior financial education financial literacy personal finance college students CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
dc.subject.eng.fl_str_mv |
financial education financial literacy personal finance college students |
dc.subject.cnpq.fl_str_mv |
CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
description |
This study investigated the level of financial literacy of Brazilian university students and its possible relationship with social capital, perceived self-efficacy, consideration of future consequences and financial stress. The sample included students enrolled in a private University in Sao Paulo. These students come from different backgrounds, in terms of geographical origin, race, gender, age, marital status, socio-economic class, and family income. A factor analysis and a hierarchical regression were conducted. The factor analysis on the scales of financial self-efficacy, consideration of future consequences, and financial stress indicated that these instruments are appropriate for use with the sample college students. The findings revealed that some components of social capital, such as the level of father's education and the number of courses taken in finance have positive relation with the level of financial literacy of college students. The family income level and maternal education were not relevant. As for the other variables studied, the perceived self-efficacy was not related to the level of financial education, however, consideration of future consequences and financial stress could be related to the level of financial education of social subjects. The research question, the general and specific objectives, as well as the assumptions defined in the study were, respectively, answered, achieved and confirmed. |
publishDate |
2014 |
dc.date.issued.fl_str_mv |
2014-09-26 |
dc.date.accessioned.fl_str_mv |
2015-05-11T14:50:10Z |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/doctoralThesis |
format |
doctoralThesis |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://bibliotecatede.uninove.br/handle/tede/999 |
url |
https://bibliotecatede.uninove.br/handle/tede/999 |
dc.language.iso.fl_str_mv |
por |
language |
por |
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8024035432632778221 |
dc.relation.confidence.fl_str_mv |
600 |
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info:eu-repo/semantics/openAccess |
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openAccess |
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application/pdf |
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Universidade Nove de Julho |
dc.publisher.program.fl_str_mv |
Programa de P??s-Gradua????o em Administra????o |
dc.publisher.initials.fl_str_mv |
Uninove |
dc.publisher.country.fl_str_mv |
Brasil |
dc.publisher.department.fl_str_mv |
Administra????o |
publisher.none.fl_str_mv |
Universidade Nove de Julho |
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Biblioteca Digital de Teses e Dissertações da Uninove |
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