A educação financeira como mitigação do superendividamento: um estudo de caso com servidores públicos

• Autor(a) principal: Orozimbo Júnior, Makário Luiz
• Data de Publicação: 2021
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: Repositório Institucional da UFG
• dARK ID: ark:/38995/00130000054pj
• Texto Completo: http://repositorio.bc.ufg.br/tede/handle/tede/11373
• topic: Educação financeira; Endividamento; Comportamento de risco; Financial education; Indebtedness; Risk behavior; CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO PUBLICA

The indebtedness of families has been growing in recent years and this issue worsens even more when data on the ability to pay debts of this core are analyzed. The servers, the target audience of the research and because they have specific characteristics in their work regime, such as stability, face relevant challenges in maintaining a healthy financial life. In this research, we investigate the dimensions that determine the mitigation of over-indebtedness and through data analysis it is possible to point out financial education as a solution to reduce the damage of lack of control and resource planning. A sample of 258 participants were interviewed and information obtained through factor analysis showed that the custom of comparing credit options is a major factor for the success of the financial balance. The findings are original, since it puts in the background established evidence as self-control for the success of personal finances. The Logistic Regression technique indicated robustness of the model that can be used for predictions in the context of Financial Education. Theoretical and practical contributions were recorded when a questionnaire with 54 questions is validated for debt and financial education issues.