Educação financeira pessoal : um estudo de caso com funcionários do setor de confecção no município de Pontalina - Goiás

Abstract

The objective of the study is to evaluate how people who work in the clothing sector in the city of Pontalina-Goiás deal with managing their financial resources at a personal and/or family level. The methodology is classified as empirical and applied, descriptive and exploratory. A survey case study was carried out, consisting of 28 questions, with 158 responses collected in July 2023. The analysis approach was quantitative-qualitative through descriptive statistics. The results show that 52.5% of participants consider their relationship with money to be 'good'; for 41.8%, financial education is ‘important’; 20.3% acquired knowledge through conversations with friends/family; 28.4% usually talk to their husband/wife; 21.9% teach their children to spend correctly; 29.2% say it is their parents’ duty to teach about finances; 63.4% believe that there is a lack of information in the school environment; 41.1% control receipts and payments, with 40.1% taking notes on paper/notebooks; 43.9% spend equal to the amount they earn, 51% prefer to buy in cash and 42.9% plan in advance; 24.7% say that the biggest expenses are linked to the ‘supermarket’; 61.5% do not have an emergency fund and 34.9% attribute this to a ‘very low income’; 51.3% have 'medium level' debts and 21.5% highlight the 'high cost of living' as the main financial difficulty. The main conclusion is that most participants understand the importance of financial education, but few have full control of their money, some save every month, and the greatest difficulty encountered was precisely related to low monthly income.