Análise da educação financeira nas finanças pessoais e nos investimentos: um es- tudo de caso dos servidores da UFOPA no período de 2024 a 2025.

Abstract

This study consists of an analysis of the financial situation of civil servants at the Federal University of Western Pará (UFOPA), with an emphasis on the relationship between knowledge, behavior and financial decisions. The relevance of the research lies in the need to understand how civil servants, even with a high level of education, deal with their personal finances, deal with debt and carry out financial planning control. Based on the following question: “What is the level of education and control of personal finances of UFOPA civil servants?”, the main objective was to analyze and prepare a financial diagnosis of this population. To this end, the specific objectives were: to conduct a bibliographic and documentary survey on how financial education has been approached in Brazil and in other countries; to identify, based on secondary data, the financial profile of Brazilians and their level of indebtedness; and, finally, to carry out a financial diagnosis of UFOPA civil servants, analyzing their perception of personal finances, financial profile and level of indebtedness. The study was configured as a field survey, with a quantitative approach, using a questionnaire with 23 questions, applied to a sample of 159 employees at the institution's headquarters, located in Santarém. The results highlighted the centrality of UFOPA as the main source of income for most participants and showed that a significant portion of the employees are in debt. It was also observed that a low capacity to maintain a standard of living without institutional income and the absence of long-term financial planning. In addition, it was found that a large portion of the employees acquire knowledge about personal finances informally, mainly from family members, friends and digital influencers. Thus, the diagnosis made with UFOPA employees allowed a better understanding of the financial profile of this category and provided valuable insights for the development of policies and training actions that could benefit both individuals and society as a whole.