Planejamento das finanças pessoais e o credit scoring dos acadêmicos dos cursos de Administração e Ciências Contábeis da UTFPR/PB

Abstract

Financial planning is essential to keep people in control and preserve their financial health. While your credit risk is fundamental in making credit because it is an image that is going through a creditor institution. Thus, the present study aims to obtain the elements of credit score and students and academic financial planning of UTFPR Pato Branco applied science courses. To meet the objective of this research, a questionnaire was applied to the sample, resulting in a total population of 144 students. With the analysis of the data, it was positively verified that the financial planning is present in the life of the students, thus demonstrating that there is an interest in maintaining financial health, in order to achieve the desired objectives, and also by classifying the credit scoring of the respondents in scales, it was found that the risk of the greater range of the scale in the sample is considered a low risk, for the non-fulfillment of the obligations, so the respondents are more likely to not present default in the near future. Also, through the composition of the factors denominated as, indebtedness, personal organization and financial maturity, the formation of financial planning profiles, according to the responses in the factors variables, and the formation of financial planning may be good or bad.