Avaliação do nível de educação financeira e comportamento de gestão de finanças dos colaboradores em agências bancárias

Abstract

The general objective of this study is to assess the level of financial education and financial management behavior of employees working at bank branches in the city of Currais Novos - Rio Grande do Norte. The specific objectives include measuring basic financial knowledge, analyzing financial behaviors, examining attitudes toward financial planning, and suggesting interventions and training focused on financial education. The research, which was exploratory and descriptive in nature, used a quantitative approach and applied structured questionnaires as a data collection instrument. The sample for this study consisted of 27 employees working at bank branches. The results indicated that most participants had a moderate level of financial education (79.16%), demonstrating basic knowledge and occasional practices in managing their finances. Despite this, the group had difficulty maintaining discipline in financial planning and prioritizing investments, highlighting the need for greater awareness and training. On the other hand, the respondents demonstrated a good understanding of fundamental concepts, such as compound interest and inflation, and valued the importance of an emergency fund for unforeseen events. Finally, the study reinforces the importance of financial education initiatives to empower individuals and contribute to a positive impact on society