Educação financeira e práticas econômicas: um estudo com alunos de administração de uma universidade pública

Abstract

This study aims to assess the level of financial literacy among undergraduate students and analyze its influence on personal financial management. The main objective is to identify the perceived benefits of personal financial planning, the most commonly used financial products, and to investigate the correlation between financial planning practices and the effective use of these products. The relevance of this research lies in the growing importance of financial education as a tool for making conscious, sustainable decisions aligned with personal and professional goals. The methodology adopted is of a mixed approach, with a descriptive character, using a structured questionnaire as the data collection instrument. The questionnaire was divided into three categories: knowledge of basic financial concepts, financial control practices, and behaviors related to spending, saving, and investing. Data analysis revealed that, although students recognize the importance of financial education, many still demonstrate underdeveloped practices of financial organization and control. It was found that students who engage in regular financial planning show greater familiarity with financial products and use them more effectively. These findings highlight the need to systematically integrate financial education into academic curricula, contributing to the development of professionals better prepared to deal with economic issues. Furthermore, the research provides a foundation for actions that promote students’ financial autonomy and responsibility.