Análise das causas de endividamento de professores efetivos da rede municipal em Regeneração (PI)

Abstract

Indebtedness intensified in recent decades, becoming an economic and social phenomenon that affects well-being, quality of life, and consumption. Among teachers, this situation was aggravated by limited income, long working hours, and recurring expenses, encouraging excessive use of credit and loans. This study aimed to investigate the factors that contributed to teacher indebtedness in the municipal school system of Regeneração (PI), considering the level of financial education, financial profile, and their effects on quality of life. The theoretical framework addressed financial education and indebtedness, emphasizing expense control andthe conscious use of credit. The research adopted a qualitative and quantitative, exploratory, and descriptive approach, with a literature review and data collection through an online questionnaire. The results showed that insufficient financial education and poor financial resource management contributed to the accumulation of debt among teachers. In addition, the study provided support for the development of financial guidance strategies aimed at reducing indebtedness and improving the living conditions of this professional group.