Endividamento entre jovens universitários: insights sobre educação financeira na Universidade Federal Rural de Pernambuco (UFRPE)

Abstract

With increasing globalization, the significance of consumption has even greater proportions, reaching all social groups. The most vulnerable to the appeal of advertising are children and young people, many of them in school and others entering higher education, but not always financially educated. This research aimed to investigate the indebtedness among young university students at UFRPE and the ways of accessing Financial Education. The work was developed by a methodology conducted through a qualitative and quantitative research through a survey carried out among young people from different courses of the Higher Education Institution during the month of August 2020, where the data were collected through an electronic questionnaire. applied to a sample composed of 81 enrolled students. To meet the general objective, several variables were used for the analysis, such as the socioeconomic profile, the experiences with Financial Education before and after entering higher education, the consumption profile, the behaviors in relation to finance, among others. As a result, the research identified that despite the pandemic of COVID-19, it appears that young university students at UFRPE are not very prone to debt, or at least in their perception, most do not consider themselves indebted. Of those who consider themselves indebted and also over-indebted (27.2% and 11.1%, respectively), the most common type of debt is the credit card (51.9%). It was generally perceived that students consider it important for UFRPE to have courses and lectures on financial education, as forms of access to knowledge.