Finanças comportamentais: um estudo sobre o perfil dos graduandos dos cursos de Licenciatura em Letras e Bacharelado em Ciências Contábeis

Abstract

Behavioral finance fuse concepts of economics, psychology and finances in order to build a detailed model of human behavior in the financial market. In this context, this study aimed to identify the behavioral financial characteristics of students language teaching Portuguese/English and bachelor of science accounting. Data collection was conducted through face-administered questionnaire and virtually, with return of 197 respondents, of whom 134 of course of bachelor of science accounting and 63 of course of language teaching Portuguese/English. Were analyzed the whole 04-year Bachelor's course in Science Accounting and 04 equivalent periods of Degree in Letters. The research results prove the Theory of Behavioral Finance, in the sense that the human being is influenced by your emotions to making financial decisions, not always choosing reasonably. Although there are many behavior patterns and in many cases they are similar among subjects, each one evaluates and solves a problem of your own way. The certainty effect and the reflection effect were the most influencers at the time of decision, even the majority still have opted for loss certain, many of them who consider the right gain changed effect when dealing with loss, they were influenced more by the reflection effect, since the human being tends to feel more pain from the loss of that pleasure obtained with a gain. Comparing the courses, it was noted that when it comes to knowledge of the financial market stood out the course of respondents the students from bachelor of science accounting, however when compared the behavior respondents of both courses had very similar answers, showing that some behaviors tend to be own of the human being, and cannot be attributed to the training academic area.