Educação financeira e o ato de poupar renda: evidências de Santa Maria – RS

Abstract

Financial education is the process by which individuals and society improve their understanding of financial concepts and products so that, through information, training and instruction, they can develop the values and skills necessary to be more aware of the opportunities and risks involved. Therefore, in this context, the study seeks to answer the following problem: Does financial education influence the population to save their income? For this, it was necessary to investigate whether financial education influences citizens in the act of saving their income. To achieve the objective, it was necessary to measure financial education and collect data on the act of saving. These data were collected through a questionnaire applied to professionals and students in the area of accounting in the city of Santa Maria - RS. With this, it was possible to verify whether financial education influences the act of saving. This research has a descriptive character and to analyze the data, statistical regression analysis was used from Excel spreadsheets and SPSS software. Linear regression analysis was applied to test the study hypotheses. As the main result obtained, the individual's income and level of financial education positively influence the citizen's savings rate. As future works, it is intended to increase the sample and apply the study in more areas and educational institutions.