Relação entre o planejamento financeiro pessoal com os níveis de endividamento de pessoas de baixa renda
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Data
2022-03-31
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Universidade Federal de Goiás
Resumo
The lower-income population faces a scenario with increasing indebtedness rates, permeated by social vulnerability, which significantly affects their financial situation. Therefore, it is important to adopt tools such as financial planning, as a means of organizing and controlling personal finances. In view of the above, the general objective of this study is to describe personal financial planning, highlighting the methods of controlling finances and the indebtedness of the low-income population, of individuals aged 18 to 70 years, residing in Goiânia - Goiás and metropolitan regions and are low-income. In accordance with the criteria of the Brazilian Institute of Geography and Statistics - (IBGE), the population with the lowest income, belonging to the "D" and "E"
classes, and earning an income of up to four minimum wages. This study corresponds to a survey, with data collection through the application of a questionnaire and subsequent descriptive analysis. Based on the sample, composed of 101 respondents, it was possible to observe that the low-income population of Goiás still does not use financial planning effectively, impairing the way they see their financial capacity. Control of finances is still low, and performed with insufficient frequency. It is inferred that the improvement in debt levels, for this part of the population, does not come exclusively from the use of financial planning, because despite this intervening with improvements
in the quality of personal finances, it is not able to solve it as a whole, being necessary intervention of the market, governments, families and educational institutions, in favor of the dissemination of financial knowledge and the creation of public policies that help the population to have more balance and control of their finances..
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Palavras-chave
Baixa renda, Endividamento, Classes “D” e “E”, Planejamento financeiro, Educação financeira, Finanças pessoais, Low income, Indebtedness classes “D” and “E”, Financial planning, Financial education, Personal finances
Citação
FERREIRA, Thaciana Rita. Relação entre o planejamento financeiro
pessoal com os níveis de endividamento de pessoas de baixa renda.
2022. 42 f. Trabalho de Conclusão de Curso (Bacharelado em Ciências Contábeis) -
Faculdade de Administração, Ciências Contábeis e Ciências
Econômicas, Universidade Federal de Goiás, Goiânia, 2022.