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Authors
Advisor(s)
Abstract(s)
Com a desaceleração da economia mundial e com a crise financeira cada vez mais instalada, a literacia financeira tem vindo a ganhar cada vez mais destaque, como sendo uma ferramenta de defesa para os consumidores que se veem cada vez mais cercados de uma crescente oferta de produtos e serviços financeiros. Assim, o objetivo desta investigação passa por perceber o conhecimento financeiro de uma amostra de funcionários públicos e compreender de que forma este é explicado pelas tomadas de decisões financeiras de cada um. Partindo de um inquérito desenvolvido pelas professoras Annamaria Lusardi e Olivia Mitchell, desenvolveu-se um inquérito por questionário que foi posteriormente aplicado a uma amostra de funcionários públicos do distrito de Bragança. Com base nessas respostas, construiu-se um índice de forma a poder avaliar os conhecimentos financeiros detidos por cada um. Posteriormente, os resultados foram cruzados com as restantes variáveis do questionário e estimou-se um modelo de regressão linear múltipla que permitiu avaliar as hipóteses de investigação formuladas. Os resultados revelam que indivíduos com um menor nível de endividamento possuem um maior nível de literacia financeira e que um património financeiro mais elevado implica um nível de literacia financeira maior.
The downturn of the global economy and the emergence of a financial crisis promoted the rise of financial literacy as a defense tool for consumers that face a growing offer of financial products and services. This project arises from the question “The impact of financial literacy in the debt level and financial resources of public employees”. Thus, the main goal of this research is to determine the financial knowledge of a sample of public employees and how this impacts their financial choices. Deriving from a survey developed by Professor Annamaria Lusardi and Professor Olivia Mitchell, a survey was developed and applied to a sample of public employees from the Bragança district. Based on the study results, an index was created in order to evaluate the gain of financial knowledge of each participant. Afterwards, the results were crossed with the remaining variables of the survey and a correlation matrix and a multiple linear regression model were generated. In conclusion, the results obtained in this thesis indicate that individuals with less debt have more financial literacy. Furthermore, a higher level of financial literacy requires greater financial assets.
The downturn of the global economy and the emergence of a financial crisis promoted the rise of financial literacy as a defense tool for consumers that face a growing offer of financial products and services. This project arises from the question “The impact of financial literacy in the debt level and financial resources of public employees”. Thus, the main goal of this research is to determine the financial knowledge of a sample of public employees and how this impacts their financial choices. Deriving from a survey developed by Professor Annamaria Lusardi and Professor Olivia Mitchell, a survey was developed and applied to a sample of public employees from the Bragança district. Based on the study results, an index was created in order to evaluate the gain of financial knowledge of each participant. Afterwards, the results were crossed with the remaining variables of the survey and a correlation matrix and a multiple linear regression model were generated. In conclusion, the results obtained in this thesis indicate that individuals with less debt have more financial literacy. Furthermore, a higher level of financial literacy requires greater financial assets.
Description
Mestrado em IPB-ESTG e ASSOCIAÇÃO DE POLITÉCNICOS DO NORTE (APNOR): Instituto Politécnico do Cávado e do Ave, P. Porto, Instituto Politécnico de Viana do Castelo
Keywords
Literacia financeira Património financeiro Endividamento