O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais
Autor(a) principal: | |
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Data de Publicação: | 2023 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional da UFS |
Texto Completo: | https://ri.ufs.br/jspui/handle/riufs/18175 |
Resumo: | As an alternative for people to achieve financial awareness, studies on the importance of Financial Literacy address that access to financial knowledge tends to provide individuals with the development of attitudes and behaviors that help them make decisions and draw up plans for improving quality of your life. Among the institutions that offer courses and/or workshops that guide entrepreneurs to understand how to manage their personal and professional finances, there is SEBRAE/SE Brazilian Support Service for Micro and Small Companies of Sergipe , an institution specialized in promoting the economic and sustainable development of entrepreneurs. Given this approach, the present work aims to analyze the perception of Sergipe entrepreneurs from micro and small companies about financial literacy for managing their personal and business finances, based on the contents and guidelines learned in courses/workshops on management financial. Through accessibility, five Sergipe entrepreneurs from micro and small companies assisted by SEBRAE were selected and interviewed. When deciding on qualitative research, life history, directive interview and nonparticipant observation were used as methods/instruments for collecting reports. In the analysis of the results, it was identified that the interviewees understood the need to seek financial knowledge to develop the management of their personal and business finances. They use not only SEBRAE/SE as a source of knowledge, but also access other options chosen according to their ease of understanding, such as books, lectures, guidance from family members or close people and/or videos available on social networks. And, as a result, it was found that financial literacy can be considered as a support for micro and small business entrepreneurs to manage their personal and professional finances. However, the willingness to want to change, driven by the gratitude perceived in the face of the rewards acquired, is the premise for the entrepreneur to seek financial knowledge as a stimulus to develop attitudes and behaviors that provide the improvement of their personal and business quality of life. |
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Mota, Emanuela RochaMontenegro, Ludmilla MeyerOuro Filho, Abimael Magno do2023-08-25T22:39:30Z2023-08-25T22:39:30Z2023-02-24MOTA, Emanuela Rocha. O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais. 2023. 129 f. Dissertação (Mestrado em Administração) – Universidade Federal de Sergipe, São Cristóvão, 2023.https://ri.ufs.br/jspui/handle/riufs/18175As an alternative for people to achieve financial awareness, studies on the importance of Financial Literacy address that access to financial knowledge tends to provide individuals with the development of attitudes and behaviors that help them make decisions and draw up plans for improving quality of your life. Among the institutions that offer courses and/or workshops that guide entrepreneurs to understand how to manage their personal and professional finances, there is SEBRAE/SE Brazilian Support Service for Micro and Small Companies of Sergipe , an institution specialized in promoting the economic and sustainable development of entrepreneurs. Given this approach, the present work aims to analyze the perception of Sergipe entrepreneurs from micro and small companies about financial literacy for managing their personal and business finances, based on the contents and guidelines learned in courses/workshops on management financial. Through accessibility, five Sergipe entrepreneurs from micro and small companies assisted by SEBRAE were selected and interviewed. When deciding on qualitative research, life history, directive interview and nonparticipant observation were used as methods/instruments for collecting reports. In the analysis of the results, it was identified that the interviewees understood the need to seek financial knowledge to develop the management of their personal and business finances. They use not only SEBRAE/SE as a source of knowledge, but also access other options chosen according to their ease of understanding, such as books, lectures, guidance from family members or close people and/or videos available on social networks. And, as a result, it was found that financial literacy can be considered as a support for micro and small business entrepreneurs to manage their personal and professional finances. However, the willingness to want to change, driven by the gratitude perceived in the face of the rewards acquired, is the premise for the entrepreneur to seek financial knowledge as a stimulus to develop attitudes and behaviors that provide the improvement of their personal and business quality of life.Como alternativa para que as pessoas alcancem a conscientização financeira, estudos sobre a importância da Alfabetização Financeira abordam que o acesso ao conhecimento financeiro tende a propiciar aos indivíduos o desenvolvimento de atitudes e comportamentos que o ajudem a tomar decisões e elaborar planos de melhoria para a qualidade da sua vida. Dentre as instituições que oferecem cursos e/ou oficinas que orientam empreendedores a compreender como realizar a gestão das suas finanças pessoais e profissional, existe o SEBRAE/SE Serviço Brasileiro de Apoio às Micro e Pequenas Empresas de Sergipe , uma instituição especializada em promover o desenvolvimento econômico e sustentável dos empreendedores. Diante desta abordagem, o presente trabalho tem como objetivo analisar a percepção de empreendedores sergipanos de empresas de micro e pequeno porte acerca da alfabetização financeira para a gestão de suas finanças pessoais e empresariais, a partir dos conteúdos e orientaçõesapreendidos em cursos/oficinas sobre gestão financeira. Por meio da acessibilidade, foram selecionados e entrevistados cinco empreendedores sergipanos de micro e pequenas empresas assistidos pelo SEBRAE. Ao decidir pela pesquisa qualitativa, foram utilizadas a história de vida, a entrevista diretiva e a observação não-participante como métodos/instrumentos de coleta dos relatos. Na análise dos resultados, identificou-se que os entrevistados compreenderam a necessidade de buscar o conhecimento financeiro para desenvolver a gestão das suas finanças pessoais e empresariais. Eles utilizam não somente o SEBRAE/SE como fonte de conhecimento, mas também acessam outras opções escolhidas de acordo com sua facilidade de compreensão, a exemplo de livros, palestras, orientações de familiares ou pessoas próximas e/ou vídeos disponibilizados em redes sociais. E, como resultado, constatou-se que a alfabetização financeira pode ser considerada como um suporte para que empreendedores de micro e pequenas empresas consigam gerir suas finanças pessoais e profissionais. No entanto, a vontade de querer mudar, impulsionada pela gratidão percebida diante das recompensas adquiridas, é a premissa para que o empreendedor busque o conhecimento financeiro como estímulo para desenvolver atitudes e comportamentos que proporcionem a melhoria da sua qualidade de vida pessoal e empresarial.São CristóvãoporAdministração de empresasAdministração financeiraEducação financeiraFinanças pessoaisEmpresáriosPequenas e médias empresasFinanças pessoais e empresariaisAlfabetização financeiraGestão financeiraPersonal and business financeFinancial literacyFinancial businessO conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariaisinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisPós-Graduação em AdministraçãoUniversidade Federal de Sergipe (UFS)reponame:Repositório Institucional da UFSinstname:Universidade Federal de Sergipe (UFS)instacron:UFSinfo:eu-repo/semantics/openAccessLICENSElicense.txtlicense.txttext/plain; charset=utf-81475https://ri.ufs.br/jspui/bitstream/riufs/18175/1/license.txt098cbbf65c2c15e1fb2e49c5d306a44cMD51ORIGINALEMANUELA_ROCHA_MOTA.pdfEMANUELA_ROCHA_MOTA.pdfapplication/pdf3761239https://ri.ufs.br/jspui/bitstream/riufs/18175/2/EMANUELA_ROCHA_MOTA.pdf9a0d1b25382120d3943db0e70d072449MD52TEXTEMANUELA_ROCHA_MOTA.pdf.txtEMANUELA_ROCHA_MOTA.pdf.txtExtracted texttext/plain287331https://ri.ufs.br/jspui/bitstream/riufs/18175/3/EMANUELA_ROCHA_MOTA.pdf.txt0f2bcfe5a009c6e4c69acb7f940b1250MD53THUMBNAILEMANUELA_ROCHA_MOTA.pdf.jpgEMANUELA_ROCHA_MOTA.pdf.jpgGenerated Thumbnailimage/jpeg1302https://ri.ufs.br/jspui/bitstream/riufs/18175/4/EMANUELA_ROCHA_MOTA.pdf.jpg4f0260fdf616baa496db90ff480a99baMD54riufs/181752023-08-25 19:39:36.063oai:ufs.br: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Repositório InstitucionalPUBhttps://ri.ufs.br/oai/requestrepositorio@academico.ufs.bropendoar:2023-08-25T22:39:36Repositório Institucional da UFS - Universidade Federal de Sergipe (UFS)false |
dc.title.pt_BR.fl_str_mv |
O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais |
title |
O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais |
spellingShingle |
O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais Mota, Emanuela Rocha Administração de empresas Administração financeira Educação financeira Finanças pessoais Empresários Pequenas e médias empresas Finanças pessoais e empresariais Alfabetização financeira Gestão financeira Personal and business finance Financial literacy Financial business |
title_short |
O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais |
title_full |
O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais |
title_fullStr |
O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais |
title_full_unstemmed |
O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais |
title_sort |
O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais |
author |
Mota, Emanuela Rocha |
author_facet |
Mota, Emanuela Rocha |
author_role |
author |
dc.contributor.author.fl_str_mv |
Mota, Emanuela Rocha |
dc.contributor.advisor1.fl_str_mv |
Montenegro, Ludmilla Meyer |
dc.contributor.advisor-co1.fl_str_mv |
Ouro Filho, Abimael Magno do |
contributor_str_mv |
Montenegro, Ludmilla Meyer Ouro Filho, Abimael Magno do |
dc.subject.por.fl_str_mv |
Administração de empresas Administração financeira Educação financeira Finanças pessoais Empresários Pequenas e médias empresas Finanças pessoais e empresariais Alfabetização financeira Gestão financeira |
topic |
Administração de empresas Administração financeira Educação financeira Finanças pessoais Empresários Pequenas e médias empresas Finanças pessoais e empresariais Alfabetização financeira Gestão financeira Personal and business finance Financial literacy Financial business |
dc.subject.eng.fl_str_mv |
Personal and business finance Financial literacy Financial business |
description |
As an alternative for people to achieve financial awareness, studies on the importance of Financial Literacy address that access to financial knowledge tends to provide individuals with the development of attitudes and behaviors that help them make decisions and draw up plans for improving quality of your life. Among the institutions that offer courses and/or workshops that guide entrepreneurs to understand how to manage their personal and professional finances, there is SEBRAE/SE Brazilian Support Service for Micro and Small Companies of Sergipe , an institution specialized in promoting the economic and sustainable development of entrepreneurs. Given this approach, the present work aims to analyze the perception of Sergipe entrepreneurs from micro and small companies about financial literacy for managing their personal and business finances, based on the contents and guidelines learned in courses/workshops on management financial. Through accessibility, five Sergipe entrepreneurs from micro and small companies assisted by SEBRAE were selected and interviewed. When deciding on qualitative research, life history, directive interview and nonparticipant observation were used as methods/instruments for collecting reports. In the analysis of the results, it was identified that the interviewees understood the need to seek financial knowledge to develop the management of their personal and business finances. They use not only SEBRAE/SE as a source of knowledge, but also access other options chosen according to their ease of understanding, such as books, lectures, guidance from family members or close people and/or videos available on social networks. And, as a result, it was found that financial literacy can be considered as a support for micro and small business entrepreneurs to manage their personal and professional finances. However, the willingness to want to change, driven by the gratitude perceived in the face of the rewards acquired, is the premise for the entrepreneur to seek financial knowledge as a stimulus to develop attitudes and behaviors that provide the improvement of their personal and business quality of life. |
publishDate |
2023 |
dc.date.accessioned.fl_str_mv |
2023-08-25T22:39:30Z |
dc.date.available.fl_str_mv |
2023-08-25T22:39:30Z |
dc.date.issued.fl_str_mv |
2023-02-24 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
MOTA, Emanuela Rocha. O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais. 2023. 129 f. Dissertação (Mestrado em Administração) – Universidade Federal de Sergipe, São Cristóvão, 2023. |
dc.identifier.uri.fl_str_mv |
https://ri.ufs.br/jspui/handle/riufs/18175 |
identifier_str_mv |
MOTA, Emanuela Rocha. O conhecimento, a atitude e o comportamento de empreendedores sergipanos na gestão das suas finanças pessoais e empresariais. 2023. 129 f. Dissertação (Mestrado em Administração) – Universidade Federal de Sergipe, São Cristóvão, 2023. |
url |
https://ri.ufs.br/jspui/handle/riufs/18175 |
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por |
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openAccess |
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Pós-Graduação em Administração |
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Universidade Federal de Sergipe (UFS) |
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