Finanças pessoais: uma análise do comportamento de estudantes de ciências contábeis

Abstract

The ways in which people deal with money is relevant given the complexity of current payment methods, existing types of investment and the credit supply restrictions. This research’s aim was to assess how Undergraduate Accounting students manage their finances, their propensity for getting into debt, propensity to save and analyze how behavioral aspects (self-control, short-term thinking, preference for credit and propensity to plan) influence resources’ management. We have applied a questionnaire to 104 students. We used principal component analysis, correlations and tests of differences between means. The results suggest that Accounting students are highly banked and, most of them have savings account and make periodic deposits. We have identified a higher Propensity to save money in families with incomes greater than R$ 5.201,00 and debt aversion of students who save to prevent emergencies. Student’s age was not correlated with any behavior pattern.