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Comportamento financeiro dos alunos de uma instituição pública de ensino superior portuguesa
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Este trabalho pretende compreender o comportamento financeiro dos alunos de uma instituição pública de ensino superior portuguesa. Para isso, foi realizado um estudo quantitativo, observacional, transversal e analítico. A recolha de dados, que decorreu de outubro a novembro de 2016, baseou-se num questionário que foi administrado diretamente aos alunos de uma instituição pública de ensino superior do nordeste transmontano. Foi recolhida uma amostra acidental de 1290 indivíduos com idades compreendidas entre os 16 e os 43 anos. A maioria era do género feminino, tinha nacionalidade portuguesa, frequentava o 2.º ano de uma licenciatura na Escola Superior de Educação, vivia em agregados familiares de 3 ou 4 pessoas com um rendimento mensal até 800 euros. Os progenitores tinham habilitações literárias ao nível do 3.º ciclo do ensino básico ou do ensino secundário. Para efetuar o tratamento estatístico dos dados recorreu-se ao software SPSS 23.0. Verificou-se que o perfil do estudante que tinha contraído empréstimos bancários era, estatisticamente diferente, daquele que não os tinha contraído. As diferenças identificadas diziam respeito às habilitações literárias dos progenitores (concretamente, do pai) e à idade do estudante sendo que os alunos que tinham contraído empréstimos eram mais velhos e o pai tinha escolaridade inferior ao 1.º ciclo. Os resultados relativos à socialização parental, ensinamentos parentais e otimismo financeiro registaram valores ligeiramente acima do moderado. Já, no que diz respeito ao rendimento subjetivo do aluno e da família, os estudantes consideraram estar abaixo dos valores que seriam necessários para cobrir todas as obrigações e satisfazer todas as suas necessidades. Quanto à intenção do estudante vir a contrair empréstimos no futuro, foi registada uma probabilidade elevada de o vir a fazer para fazer face a despesas com habitação, saúde, educação e bens de 1ª necessidade. Por fim, pode dizer-se que o estudante tem uma atitude conservadora face ao endividamento pois, apesar de considerarem o recurso ao crédito como um ato normal na sociedade atual, consideraram, também, que o recurso ao crédito deve servir, essencialmente, para fazer face a despesas relacionadas com a satisfação de necessidades básicas.
This paper intends to understand the financial behavior of the students from a Portuguese higher education institution. For this purpose, a quantitative, observational, cross-sectional and analytical study was carried out. A questionnaire was used to collect data from October to November 2016. It was administered directly to the students from a public institution of higher education in the northeast of the country. An accidental sample of 1290 individuals aged between 16 and 43 years was collected. The majority was female, had Portuguese nationality, attended the 2nd year of a degree at the School of Education, and lived in households of 3 or 4 people with a monthly income up to 800 euros. The parents had educational qualifications at the level of the 3rd cycle of basic education or secondary education. To perform the statistical treatment of the data, it was used SPSS 23.0 software. It was found that the profile of the student who had bank loans was, statistically different, from those who had not loans. The identified differences were related to the literary qualifications of the parents (specifically, the father) and the student's age. These were the students whose parents had less than 1st cycle of schooling and who were older. The results on parental socialization, parental teaching and financial optimism were slightly above moderate. Regarding the subjective income of the student and the family, students consider that they are below the values that would be necessary to cover all the obligations and satisfy all the needs. As for the student's intention to contract a loan there was a high probability of facing expenses related to housing, health, education and goods of first necessity. Finally, with regard to the student's attitudes towards indebtedness, students had a conservative attitude because they considered that the use of credit should be used, essentially, to satisfy basic needs. However, they, also, considered the use of credit as a normal act in today's society.
This paper intends to understand the financial behavior of the students from a Portuguese higher education institution. For this purpose, a quantitative, observational, cross-sectional and analytical study was carried out. A questionnaire was used to collect data from October to November 2016. It was administered directly to the students from a public institution of higher education in the northeast of the country. An accidental sample of 1290 individuals aged between 16 and 43 years was collected. The majority was female, had Portuguese nationality, attended the 2nd year of a degree at the School of Education, and lived in households of 3 or 4 people with a monthly income up to 800 euros. The parents had educational qualifications at the level of the 3rd cycle of basic education or secondary education. To perform the statistical treatment of the data, it was used SPSS 23.0 software. It was found that the profile of the student who had bank loans was, statistically different, from those who had not loans. The identified differences were related to the literary qualifications of the parents (specifically, the father) and the student's age. These were the students whose parents had less than 1st cycle of schooling and who were older. The results on parental socialization, parental teaching and financial optimism were slightly above moderate. Regarding the subjective income of the student and the family, students consider that they are below the values that would be necessary to cover all the obligations and satisfy all the needs. As for the student's intention to contract a loan there was a high probability of facing expenses related to housing, health, education and goods of first necessity. Finally, with regard to the student's attitudes towards indebtedness, students had a conservative attitude because they considered that the use of credit should be used, essentially, to satisfy basic needs. However, they, also, considered the use of credit as a normal act in today's society.
Descrição
Palavras-chave
Comportamento financeiro Alunos Ensino superior Bragança Portugal
Contexto Educativo
Citação
Ribeiro, Maria Isabel; Fernandes, António (2018). Comportamento financeiro dos alunos de uma instituição pública de ensino superior portuguesa. In XIX Seminário Luso-Espanhol (SLE) de Economia Empresarial. Faro. p. 667-687
Editora
Universidade do Algarve