Comportamento financeiro do associado Cresol gerações: uma avaliação da forma de administrar suas finanças pessoais

Abstract

Taking into account the country's current economic scenario, in which inflation directly impacts the family budget and the Selic rate is at high levels, making controlling finances even more challenging, Cresol, as a credit union, increases its concern with the financial health of its members, who in turn resort to the cooperative as an alternative resource to fulfill their obligations or maintain the viability of their businesses. With this purpose, the present study aims to analyze the financial behavior of the associate Cresol Gerações. For this, a descriptive field research was carried out, in which a questionnaire was applied, seeking to know the member's profile, their knowledge about finances, the way they manage the ins and outs, as well as their propensity for indebtedness. In this research, forty-three associates from the Individual portfolio participated, being applied at Cresol Gerações, Palmeira das Missões agency. With the result of the research, it was possible to outline the profile of the respondents, showing that most have only completed high school, that the predominant income can also be considered median, data that justify the fact that a large percentage does not have a complete financial planning of revenues and expenses, another highlight as well, is the empirical knowledge about finances, this sum of factors possibly reflects in the numbers of defaulters, which in turn justify this result to poor budget management. Finally, the results indicate that the cooperative must know its members, provide advice and invest in training its membership.