Relação entre educação financeira e endividamento: um estudo a luz das finanças comportamentais

Abstract

Complementing existing financial theories, behavioral finance based on the assumption that psychological aspects and "irrational" also influence the financial decisions. Financial education has been considered a factor that significantly interferes in these decisions. In this context, the question-problem that gave rise to this translates into: what is the relationship between financial education and propensity for borrowing to entering academics and graduates of undergraduate courses in Administration, Accounting and Economics Sciences, the Center for Social and Human Sciences (CCSH), the Universidade Federal de Santa Maria (UFSM)? This study has as main objective to establish, according to behavioral finance, a relationship between financial education and propensity for borrowing the academics of these graduate students in 2015. For that questionnaires were given to freshmen and academics graduates of these courses in order to provide a comparison between them. For the analyzes, it started with the assumption that the graduating students have higher levels of financial literacy than the others. Data were analyzed using the Mann-Whitney and Kruskal-Wallis nonparametric of nature. Confirming previous studies, the results of this study revealed that the three issues that have demonstrated statistically significant, two showed greater aversion to debt by the graduating students. But in one of them, the opposite occurred, assuming a psychological bias and "irrational" may have influenced the propensity for debt.