Financial literacy of lusophone university students: Evidence from a university in the interior of Ceará, Brazil

• Autor(a) principal: Maluf, Sâmia Nagib
• Data de Publicação: 2021
• Outros Autores: Silva, Ana Gabrielly Morais, Cordeiro, Breno Cândido
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: Research, Society and Development
• Texto Completo: https://rsdjournal.org/index.php/rsd/article/view/17527
• topic: Alfabetização financeira; Conhecimento financeiro; Atitude financeira; Comportamento financeiro; Universitários lusófonos.; Conocimientos financeiros; Actitud financeira; Comportamiento financeiro; Estudiantes universitarios de habla portuguesa.; Financial literacy; Financial knowledge; Financial behavior; Financial attitude; Lusophone university students.

Financial aid is provided to students, but like any policy it must be monitored and evaluated. To establish the profile, habits and the way these resources are managed, it is necessary to know the degree of financial literacy of the beneficiaries. The financial literacy rate of 211 students (Portuguese-speaking nationals and foreigners, from Unilab campuses, in the interior of Ceará), was calculated, representing 10.5% of the beneficiaries in 2018. Quantitative and descriptive case study. The methodology for constructing the questionnaire and calculating the indexes was based on the OECD/INFE (2018). The possible influences of socioeconomic and demographic variables on literacy were investigated through Automatic Linear Modeling, using all subsets of the possible predictors of the model; after ensuring normality (Shapiro-Wilk) and absence of correlations (Pearson). It was found 0.68 for behavior, 0.41 for attitude and 0.23 for financial knowledge, considered low, especially financial knowledge. The variables that most affected the results were course, religion and age. In conclusion, the study suggests that efforts should be made in continuing financial education programs.