A influência dos traços de personalidade na alfabetização financeira de indivíduos
Nenhuma Miniatura disponível
Data
2020-07-17
Autores
Título da Revista
ISSN da Revista
Título de Volume
Editor
Universidade Federal de Goiás
Resumo
Financial literacy consists of three dimensions and demonstrates the ability of a citizen to have
good financial behavior, knowledge and attitudes in order to promote better financial decisionmaking
throughout life and, consequently, provide well-being in relation to finances. However,
psychological approaches, such as personality traits, which are uniquely attributed to each citizen,
have not been considered in the analysis of this specific capacity of the population to verify how
these traits influence financial literacy. The aim of this paper is to understand the influence of
personality traits on the financial literacy of university students. To capture information on
personality traits, financial literacy and sociodemographic characteristics, a data collection
instrument was applied, containing ninety-eight questions to two hundred and thirty-seven
university students from selected Higher Education Institutions (HEIs), in the region metropolitan
area of the capital of the State of Goiás. To test the research hypotheses, the data were submitted to
multiple linear regression analysis by Ordinary Least Squares (OLS) and, for robustness test, to
analysis through logistic regression based on the Generalized Structural Equations (GSEM logit).
The results showed that only the statistically significant personality traits, conscientiousness and
intellect, positively affect the level of financial literacy in the sample, both for OLS and for the
logistic regression based on the GSEM logit. In short, the more aware and intellectual a person is,
the greater the level of perceived financial literacy or the likelihood of perceiving. As a
contribution, this work brought a modern expectation of the effects of human personality on
financial literacy and considering the method of logistic regression by GSEM, the results showed
that the conceptual model is robust.
Descrição
Palavras-chave
Citação
TAVARES, V. G. A influência dos traços de personalidade na alfabetização financeira de indivíduos. 2020. 93 f. Dissertação (Mestrado em Ciências Contábeis) - Universidade Federal de Goiás, Goiânia, 2020.