Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais
Autor(a) principal: | |
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Data de Publicação: | 2021 |
Outros Autores: | , |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | Research, Society and Development |
Texto Completo: | https://rsdjournal.org/index.php/rsd/article/view/11638 |
Resumo: | Retirement is an issue that has left many Brazilians unsure due to the changes in the rules of the social security regime that have occurred recently. This will lead many individuals to look for alternatives to ensure sufficient income to survive post-retirement. Thus, the purpose of this study was to analyze the behavior of academics at a public university located in Minas Gerais, in relation to the formation of a financial reserve for retirement. The specific objectives were to describe the profile of academics, verify their level of knowledge about financial education, analyze their financial behavior and learn how they intend to form a specific retirement reserve. The hypothesis was that academics still did not consider the formation of a financial reserve for use in post-work life important and therefore did not make a reserve for this purpose. A descriptive research with a quantitative approach was carried out, whose information was collected by questionnaire. It was identified that those surveyed were predominantly young, female and were already inserted in the job market. They did not use credit cards frequently, they had control over their spending, they considered themselves controlled in the management of their finances and with sufficient knowledge for adequate financial management. They did not have much knowledge about social and private pensions, however, they knew about investments such as savings, stocks, movable and real estate. Although they consider the formation of a financial reserve to be used in the post-employment phase important, they had not yet started the formation of this reserve, despite studying at a public university, therefore without monthly fees, and already being in the labor market. |
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Financial education: Retirement from the perspective of academics from a public university in the central west of Minas GeraisEducación financiera: la jubilación desde la perspectiva de los académicos de una universidad pública del centro oeste de Minas GeraisEducação financeira: Aposentadoria sob a ótica dos acadêmicos de uma universidade pública do centro oeste de Minas GeraisFinancial educationRetirementSocial security.Educación financeiraJubilaciónBienestar.Educação FinanceiraAposentadoriaPrevidência.Retirement is an issue that has left many Brazilians unsure due to the changes in the rules of the social security regime that have occurred recently. This will lead many individuals to look for alternatives to ensure sufficient income to survive post-retirement. Thus, the purpose of this study was to analyze the behavior of academics at a public university located in Minas Gerais, in relation to the formation of a financial reserve for retirement. The specific objectives were to describe the profile of academics, verify their level of knowledge about financial education, analyze their financial behavior and learn how they intend to form a specific retirement reserve. The hypothesis was that academics still did not consider the formation of a financial reserve for use in post-work life important and therefore did not make a reserve for this purpose. A descriptive research with a quantitative approach was carried out, whose information was collected by questionnaire. It was identified that those surveyed were predominantly young, female and were already inserted in the job market. They did not use credit cards frequently, they had control over their spending, they considered themselves controlled in the management of their finances and with sufficient knowledge for adequate financial management. They did not have much knowledge about social and private pensions, however, they knew about investments such as savings, stocks, movable and real estate. Although they consider the formation of a financial reserve to be used in the post-employment phase important, they had not yet started the formation of this reserve, despite studying at a public university, therefore without monthly fees, and already being in the labor market.La jubilación es un tema que ha dejado a muchos brasileños inseguros debido a los cambios en las reglas del régimen de seguridad social que se han producido recientemente. Esto llevará a muchas personas a buscar alternativas para garantizar ingresos suficientes para sobrevivir después de la jubilación. Así, el propósito de este estudio fue analizar el comportamiento de los académicos de una universidad pública ubicada en Minas Gerais, en relación a la formación de una reserva financiera para la jubilación. Los objetivos específicos fueron describir el perfil de los académicos, verificar su nivel de conocimiento sobre educación financiera, analizar su comportamiento financiero y conocer cómo pretenden formar una reserva de retiro específica. La hipótesis era que los académicos aún no consideraban importante la formación de una reserva financiera para su uso en la vida posterior al trabajo y, por lo tanto, no hicieron una reserva para este propósito. Se realizó una investigación descriptiva con enfoque cuantitativo, cuya información fue recolectada mediante cuestionario. Se identificó que los encuestados eran predominantemente jóvenes, mujeres y ya estaban insertos en el mercado laboral. No usaban tarjetas de crédito con frecuencia, tenían control sobre sus gastos, se consideraban controlados en el manejo de sus finanzas y con conocimientos suficientes para una adecuada gestión financiera. No tenían mucho conocimiento sobre pensiones sociales y privadas, sin embargo, conocían inversiones como ahorro, acciones, muebles e inmuebles. Si bien consideran importante la formación de una reserva financiera para ser utilizada en la fase post-empleo, aún no habían iniciado la formación de esta reserva, a pesar de estudiar en una universidad pública, por lo tanto sin cuotas mensuales, y ya estar en el mercado laboral.A aposentadoria é um assunto que tem deixado muitos brasileiros inseguros devido as mudanças nas regras do regime da previdência social ocorridas recentemente. Isso levará muitos indivíduos a buscarem alternativas para assegurar uma renda suficiente para sobreviver pós aposentadoria. Assim, a proposta deste estudo foi analisar o comportamento dos acadêmicos de uma universidade pública localizada em Minas Gerais, em relação à formação de reserva financeira para a aposentadoria. Os objetivos específicos foram descrever o perfil dos acadêmicos, verificar seu nível de conhecimento sobre educação financeira, analisar o seu comportamento financeiro e conhecer como pretendem formar uma reserva específica para aposentadoria. A hipótese foi que os acadêmicos ainda não consideravam importante a formação de uma reserva financeira para utilização na vida pós-laboral e por isso não faziam reserva para esse fim. Realizou-se uma pesquisa descritiva com abordagem quantitativa, cujas informações foram coletadas por questionário. Identificou-se que os pesquisados eram predominantemente jovens, do gênero feminino e já estavam inseridos no mercado de trabalho. Não utilizavam frequentemente o cartão de crédito, tinham controle sobre seus gastos, julgavam-se controlados na gestão de suas finanças e com conhecimento suficiente para uma gestão financeira adequada. Não possuíam muito conhecimento sobre previdência social e privada, conheciam, porém, investimentos como poupança, ações, bens móveis e imóveis. Apesar de considerarem importante a formação de uma reserva financeira para utilização na fase pós-laboral, ainda não tinham iniciado a formação dessa reserva, não obstante estudar numa universidade pública, por isso sem custo de mensalidade, e já estarem no mercado de trabalho.Research, Society and Development2021-01-07info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://rsdjournal.org/index.php/rsd/article/view/1163810.33448/rsd-v10i1.11638Research, Society and Development; Vol. 10 No. 1; e184910111638Research, Society and Development; Vol. 10 Núm. 1; e184910111638Research, Society and Development; v. 10 n. 1; e1849101116382525-3409reponame:Research, Society and Developmentinstname:Universidade Federal de Itajubá (UNIFEI)instacron:UNIFEIporhttps://rsdjournal.org/index.php/rsd/article/view/11638/10388Copyright (c) 2021 Luana Carolina Reis ; Milca Oliveira Borgis; Valdilene Gonçalves Machado Silvahttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessReis , Luana Carolina Borgis, Milca Oliveira Silva, Valdilene Gonçalves Machado2021-02-20T21:19:23Zoai:ojs.pkp.sfu.ca:article/11638Revistahttps://rsdjournal.org/index.php/rsd/indexPUBhttps://rsdjournal.org/index.php/rsd/oairsd.articles@gmail.com2525-34092525-3409opendoar:2024-01-17T09:33:24.610455Research, Society and Development - Universidade Federal de Itajubá (UNIFEI)false |
dc.title.none.fl_str_mv |
Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais Educación financiera: la jubilación desde la perspectiva de los académicos de una universidad pública del centro oeste de Minas Gerais Educação financeira: Aposentadoria sob a ótica dos acadêmicos de uma universidade pública do centro oeste de Minas Gerais |
title |
Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais |
spellingShingle |
Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais Reis , Luana Carolina Financial education Retirement Social security. Educación financeira Jubilación Bienestar. Educação Financeira Aposentadoria Previdência. |
title_short |
Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais |
title_full |
Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais |
title_fullStr |
Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais |
title_full_unstemmed |
Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais |
title_sort |
Financial education: Retirement from the perspective of academics from a public university in the central west of Minas Gerais |
author |
Reis , Luana Carolina |
author_facet |
Reis , Luana Carolina Borgis, Milca Oliveira Silva, Valdilene Gonçalves Machado |
author_role |
author |
author2 |
Borgis, Milca Oliveira Silva, Valdilene Gonçalves Machado |
author2_role |
author author |
dc.contributor.author.fl_str_mv |
Reis , Luana Carolina Borgis, Milca Oliveira Silva, Valdilene Gonçalves Machado |
dc.subject.por.fl_str_mv |
Financial education Retirement Social security. Educación financeira Jubilación Bienestar. Educação Financeira Aposentadoria Previdência. |
topic |
Financial education Retirement Social security. Educación financeira Jubilación Bienestar. Educação Financeira Aposentadoria Previdência. |
description |
Retirement is an issue that has left many Brazilians unsure due to the changes in the rules of the social security regime that have occurred recently. This will lead many individuals to look for alternatives to ensure sufficient income to survive post-retirement. Thus, the purpose of this study was to analyze the behavior of academics at a public university located in Minas Gerais, in relation to the formation of a financial reserve for retirement. The specific objectives were to describe the profile of academics, verify their level of knowledge about financial education, analyze their financial behavior and learn how they intend to form a specific retirement reserve. The hypothesis was that academics still did not consider the formation of a financial reserve for use in post-work life important and therefore did not make a reserve for this purpose. A descriptive research with a quantitative approach was carried out, whose information was collected by questionnaire. It was identified that those surveyed were predominantly young, female and were already inserted in the job market. They did not use credit cards frequently, they had control over their spending, they considered themselves controlled in the management of their finances and with sufficient knowledge for adequate financial management. They did not have much knowledge about social and private pensions, however, they knew about investments such as savings, stocks, movable and real estate. Although they consider the formation of a financial reserve to be used in the post-employment phase important, they had not yet started the formation of this reserve, despite studying at a public university, therefore without monthly fees, and already being in the labor market. |
publishDate |
2021 |
dc.date.none.fl_str_mv |
2021-01-07 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://rsdjournal.org/index.php/rsd/article/view/11638 10.33448/rsd-v10i1.11638 |
url |
https://rsdjournal.org/index.php/rsd/article/view/11638 |
identifier_str_mv |
10.33448/rsd-v10i1.11638 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://rsdjournal.org/index.php/rsd/article/view/11638/10388 |
dc.rights.driver.fl_str_mv |
Copyright (c) 2021 Luana Carolina Reis ; Milca Oliveira Borgis; Valdilene Gonçalves Machado Silva https://creativecommons.org/licenses/by/4.0 info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
Copyright (c) 2021 Luana Carolina Reis ; Milca Oliveira Borgis; Valdilene Gonçalves Machado Silva https://creativecommons.org/licenses/by/4.0 |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
Research, Society and Development |
publisher.none.fl_str_mv |
Research, Society and Development |
dc.source.none.fl_str_mv |
Research, Society and Development; Vol. 10 No. 1; e184910111638 Research, Society and Development; Vol. 10 Núm. 1; e184910111638 Research, Society and Development; v. 10 n. 1; e184910111638 2525-3409 reponame:Research, Society and Development instname:Universidade Federal de Itajubá (UNIFEI) instacron:UNIFEI |
instname_str |
Universidade Federal de Itajubá (UNIFEI) |
instacron_str |
UNIFEI |
institution |
UNIFEI |
reponame_str |
Research, Society and Development |
collection |
Research, Society and Development |
repository.name.fl_str_mv |
Research, Society and Development - Universidade Federal de Itajubá (UNIFEI) |
repository.mail.fl_str_mv |
rsd.articles@gmail.com |
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1797052668040970240 |