Gestão financeira familiar dos servidores técnicos-administrativos e docentes da UFSM

Abstract

The financial condition determines the choices of individuals, that is, money and decision making are correlated, furthermore, financial management helps the individual's decision making, removing, in part, the financial weight of the choice. Therefore, the present study aims to analyze the family financial management of administrative and teaching staff at UFSM. For that, a descriptive research was carried out, with a quantitative approach to the data through survey. Data were collected through a questionnaire with 33 questions addressing income, expenditure, investment, indebtedness and planning; the non-probabilistic sample obtained consisted of 38 public servants and their responses were tabulated by frequency. From the data analysis, it was possible to observe that most public servants have civil service as their main source of income, their family income stands between R$ 10,000.00 to R$ 30,000.00, they shop mainly with credit card, claim to do financial planning for their families, do not separate their expenses between fixed and variables, have enough funds for emergencies and to endure months of unemployment, and invest their resources in fixed income; as for indebtedness, although most servers have it to some degree, they claim it is under control. The results obtained show a financial management focused on providing financial security for the public servants and their family, outlining a socioeconomic profile of the sample, as well as contributing to justify research on behavioral aspects about indebtedness, as well as understanding the correlation and causality of variables such as number of children and level of indebtedness and income range.