FINANCAS PESSOAIS: O PAPEL DO CONHECIMENTO FINANCEIRO NO COTIDIANO DOS UNIVERSITARIOS DE PIRIPIRI E REGIAO

Abstract

This study focuses on personal finances, aiming to understand the role of financial knowledge in the daily lives of university students in the city of Piripiri. The research addresses the problem: how the management of personal finances can influence the habits, perceptions, and economic strategies adopted by university students when facing the challenges of indebtedness, impulsive consumption, and economic instability? The general objective is to analyze the importance of finances in people’s lives, highlighting financial control, conscious political positioning, and economic strategies as tools for a better quality of life. Specifically, it sought to identify the main challenges students face in managing their personal finances; understand the relationship between economic policy and personal finances, emphasizing the importance of political awareness; and investigate whether students are aware of and use everyday economic strategies such as early payment discounts, cashback, and coupons. The relevance of this topic lies in the widespread misuse of money in society, making this investigation in the university context necessary. The theoretical framework is based on Savoia (2007), Araújo (2010), Kiyosaki (2018), and Macedo Júnior (2013). This qualitative, descriptive, and exploratory research collected data via an online questionnaire applied to university students. Data analysis was guided by the aforementioned authors. Results reveal a lack of financial management, absence of emergency funds, limited use of economic strategies, and unawareness of the links between economic policy and personal finances. The study offers reflections aimed at fostering a more financially conscious society.