Gestão das finanças pessoais dos acadêmicos de administração e ciências contábeis de uma universidade do sudoeste paranaense

Abstract

Personal finance management and financial planning play crucial roles in the life of any individual, directly influencing their quality of life, economic well-being and financial future. The understanding and effective application of these concepts are becoming increasingly relevant, receiving attention not only from experts and financial entities, but also from governments at national and international levels. Due to the relevance of the topic, not only for academic circles, but for society as a whole, this work aimed to analyze the characteristics of personal finance management among academics in administration and accounting courses at a university in the southwest of Paraná, a since these future professionals will have a fundamental role in the administration and financial advice of companies and individuals. In addition, we also sought to survey the socioeconomic profile of the sample, verify its financial control habits, what knowledge search and application practices on financial education it has, in addition to comparing the results obtained with previous studies. Regarding the methodology, this work is classified as applied, descriptive research, with a quantitative approach and a survey-type data collection procedure. The questionnaire used was based on five other works and was composed of three blocks that sought to identify the respondent's profile, questions about financial education and personal finances and questions about debt and investment. It was applied in October 2022 and 2023 and the sample obtained was 189 students from administration and accounting courses at UTFPR – Campus Pato Branco. The research achieved the proposed objectives, revealing that the socioeconomic profile of Administration and Accounting Sciences academics is predominantly composed of young people between 19 and 23 years old, mostly women, with an income of one to two minimum wages on average, who demonstrate solid skills in financial planning and control. They often use spreadsheets and apps to track their spending, with purchases planned mainly for food, clothing and leisure needs. Although the majority have part of their income committed to monetary obligations, they rarely need to resort to paying their debts in installments, however, approximately a third do not invest part of their income. On a scale of 1 to 5, the average self-declared knowledge in personal finance is good, at 3.56 among respondents, but it can improve, given that for this reason, students, for the most part, seek knowledge about finance on the internet, through their professional activity and the higher education course they are pursuing. The results align with previous studies, strengthening that, despite the growing debt in Brazil, business course students tend to be financially aware.