Loading...
Publication
Literacia financeira: o caso dos estudantes da escola superior de ciências empresariais do Instituto Politécnico Setúbal
| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 2.76 MB | Adobe PDF |
Advisor(s)
Abstract(s)
Este trabalho de investigação tem como objetivo principal analisar os conhecimentos sobre a
Literacia Financeira (LF) dos estudantes que frequentam todas as licenciaturas da Escola
Superior de Ciências Empresariais (ESCE) do Instituto Politécnico de Setúbal (IPS) e, como
objetivos secundários, analisar se as variáveis sociodemográficas influenciam o nível de LF.
A técnica utilizada na recolha de dados foi o inquérito por questionário, que incluiu questões
para caracterizar o perfil dos entrevistados, suas atitudes em relação a finanças, economia e
dinheiro, além de questões sobre comportamento e conhecimento financeiro, e dessa forma
dar resposta aos objetivos definidos.
Para o estudo empírico foi selecionada uma população constituída por 1816 estudantes, que
frequentavam todas as licenciaturas da Escola Superior de Ciências Empresariais do Instituto
Politécnico de Setúbal. Posteriormente foram enviados questionários por e-mail, a todos os
estudantes, tendo-se obtido 103 respostas ao questionário, de estudantes distintos, porém
apenas 102 foram consideradas válidas. A amostra final desta investigação foi de 102
respostas.
Os resultados obtidos demonstram que existe alguma atitude financeira por parte dos
inquiridos, contudo não deram muita importância ao facto de elaborar um orçamento mensal.
No indicador de comportamento financeiro o desempenho dos inquiridos foi muito distinto, se
por um lado há a preocupação da poupança e das contas em dia, por outro a despreocupação,
demonstra a disparidade de idades, o começo de vida para alguns e para outros uma vida já
consolidada.
No indicador de conhecimento financeiro os resultados foram consideráveis tendo em conta
ao número da amostra, foram respondidas corretamente uma média de 10 respostas por
inquirido a 15 perguntas realizadas o que é muito satisfatório, consequência de alguma
experiência de vida.
This research work's main objective is to analyze the knowledge about Financial Literacy (FL) of students who attend all degrees at the Escola Superior de Ciências Empresariais (ESCE) of the Instituto Politécnico de Setúbal (IPS) and, as secondary objectives, to analyze whether sociodemographic influence the LF level. The technique used in data collection was a questionnaire survey, which included questions to characterize the profile of the interviewees, their attitudes towards finance, economics and money, as well as questions about behavior and financial knowledge, and thus respond to the objectives defined. For the empirical study, a population composed of 1816 students was selected, who were studying all degrees at the Escola Superior de Ciências Empresariais of the Instituto Politécnico de Setúbal. Questionnaires were subsequently sent by email to all students, obtaining 103 responses to the questionnaire from different students, but only 102 were considered valid. The final sample of this investigation was 102 responses. The results obtained demonstrate that there is some financial attitude on the part of the interviewees, however they did not attach much importance to the fact of preparing a monthly budget. In the indicator of financial behavior, the performance of the interviewees was very different, if on the one hand there is concern about savings and paying bills up to date, on the other the lack of concern, demonstrates the age disparity, the beginning of life for some and for others a lifetime already consolidated. In the financial knowledge indicator, the results were considerable taking into account the sample size, an average of 10 responses per respondent were answered correctly to 15 questions asked, which is very satisfactory, a consequence of some life experience
This research work's main objective is to analyze the knowledge about Financial Literacy (FL) of students who attend all degrees at the Escola Superior de Ciências Empresariais (ESCE) of the Instituto Politécnico de Setúbal (IPS) and, as secondary objectives, to analyze whether sociodemographic influence the LF level. The technique used in data collection was a questionnaire survey, which included questions to characterize the profile of the interviewees, their attitudes towards finance, economics and money, as well as questions about behavior and financial knowledge, and thus respond to the objectives defined. For the empirical study, a population composed of 1816 students was selected, who were studying all degrees at the Escola Superior de Ciências Empresariais of the Instituto Politécnico de Setúbal. Questionnaires were subsequently sent by email to all students, obtaining 103 responses to the questionnaire from different students, but only 102 were considered valid. The final sample of this investigation was 102 responses. The results obtained demonstrate that there is some financial attitude on the part of the interviewees, however they did not attach much importance to the fact of preparing a monthly budget. In the indicator of financial behavior, the performance of the interviewees was very different, if on the one hand there is concern about savings and paying bills up to date, on the other the lack of concern, demonstrates the age disparity, the beginning of life for some and for others a lifetime already consolidated. In the financial knowledge indicator, the results were considerable taking into account the sample size, an average of 10 responses per respondent were answered correctly to 15 questions asked, which is very satisfactory, a consequence of some life experience
Description
Keywords
Literacia Financeira Estudantes Conhecimentos ESCE IPS Financial Literacy Students Knowledge