Uma Análise do Comportamento Financeiro de Universitários da UFSM Campus Palmeira das Missões

Abstract

The financial behavior of university students has gained increasing relevance, especially in light of current economic challenges. In this context, this study aimed to understand how students at UFSM campus Palmeira das Missões manage their finances. This descriptive and quantitative research used a questionnaire applied to a sample of 205 students from the Day and Night Administration programs, Biological Sciences, Economics, Nursing, Nutrition, and Animal Science. Data analysis was performed using multivariate statistical techniques, including factor analysis, t-tests, and ANOVA, to identify significant patterns and relationships among variables. The results indicated that most students have a bank account, use credit cards, but still rely financially on their families. Four key factors were identified. Statistical tests revealed significant differences between groups, especially related to income, type of housing, professional activity, and who makes financial decisions in the household. It is concluded that financial education plays a crucial role in the development of these young individuals, being fundamental for building competencies that promote autonomy and financial sustainability. Therefore, the importance of educational policies that strengthen this topic within the university environment is emphasized, fostering a culture of planning and conscious consumption.