Literacia financeira em portugal: o caso dos alunos inscritos pela primeira vez no ensino superior
DOI:
https://doi.org/10.29352/mill0220e.36926Palavras-chave:
Palavras-chave: literacia financeira; estudantes universitários; vulnerabilidade do consumidor; PortugalResumo
Introdução: A literacia financeira tem estado em foco nas últimas décadas. Alguns estudos referem que Portugal está aquém de outros países europeus em termos de literacia financeira. Assim, é importante desenvolver estudos que possam contribuir para a compreensão deste fenómeno.
Objetivo: Avaliar o nível de literacia financeira dos estudantes universitários portugueses do primeiro ano, considerando o impacto da idade, do género, da formação académica e da escolaridade dos pais.
Métodos: Amostra constituída por 255 respostas de estudantes portugueses que frequentam cursos de licenciatura. Foi utilizado um modelo de regressão logística para avaliar se a idade, o género, a formação académica e a escolaridade dos pais impactam as probabilidades de ter um elevado nível de literacia financeira.
Resultados: 62,4% dos alunos apresentam um baixo nível de literacia financeira. Além disso, a idade, ser homem e ter escolhido um curso na área das ciências económicas como primeira opção na candidatura ao ensino superior têm um impacto positivo nas probabilidades de ter um elevado nível de literacia financeira.
Conclusão: Este estudo contribui ao considerar o impacto de variáveis importantes no nível de literacia financeira, o que permite aos governos realizar intervenções políticas mais específicas. Os indivíduos presentes são jovens, o que significa que poderá ser mais fácil intervir. Estudantes do sexo feminino que não escolheram um curso na área das ciências económicas como primeira opção quando se candidataram à universidade são mais vulneráveis.
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