A relação entre o endividamento e o bem-estar financeiro: um levantamento com discentes da UFC

Abstract

The problems associated with the financial life of university students are growing, especially in periods of financial crises and pandemics. In this context, the discussion about topics related to the indebtedness and the financial well-being of students becomes increasingly important. In this sense, the main objective of this research is to study the relationship between indebtedness and the financial well-being of university students belonging to the Faculty of Economics, Administration, Actuaries and Accounting at the Federal University of Ceará. To this end, we sought to understand the profile of indebtedness, demographics and the evaluation of financial well-being in the sample. To support the research, a theoretical framework was developed based on studies on indebtedness, indicating its definitions, causes and consequences, as well as the concepts, definitions and main aspects of financial well-being. The data were obtained through the application of an online questionnaire with components of the sample group, who were aged between 18 and 42 years. From the collection and analysis of the data, it was possible to infer that people with higher income, age and financial stability were more inclined to higher levels of indebtedness, the credit card figured as one of the main items of income commitment, individuals with higher incidence debts are more inclined to negatively assess their financial well-being and have more negative expectations regarding their financial future, the main reasons for indebtedness being the emergence of new needs, unemployment, illness, separation, economic factors, lack of control budgeting and impulse purchases. Such facts, focusing on the method of quantitative analysis of the data.