Contribuição dos cursos da área de negócios para a alfabetização financeira dos seus acadêmicos

Abstract

Financial literacy (FL) is crucial for all citizens, particularly for business professionals who are responsible for executing and managing business activities within organizations. This quantitative, descriptive study aimed to analyze the contributions of business courses to students' financial literacy, focusing on their ability to make more efficient personal financial decisions and utilize personal financial planning. Data was collected through a survey and analyzed using frequency and Phi and Cramer's V association tests. The main findings indicate that business courses are significantly associated with a higher perception of FL, greater importance attributed to FL, and more efficient use of FL in decision-making. Business students were also significantly associated with the use of personal financial planning and with knowledge leading to more efficient decisions regarding conscious consumption, debt, credit card delinquency, short-term investment choices, and the relationship between social security contributions and benefits. These findings contribute to the literature by identifying new perceptions among respondents and reaffirming the relevance of interdisciplinary approaches between economic-financial management and personal life management for students, aiming to develop professionals with greater economic well-being. It also highlights that students with a higher level of FL attribute greater importance to it and make more informed decisions.