Personality traits, attitude to indebtedness, and finacial knowledge: a portrait of employess of the Federal University of Santa Catarina

Abstract

The constant evidence of financial illiteracy, as well as the raising level of indebtedness of our society, means that these issues need to be better explored, so that alternatives to these problems can emerge. Thus, the objective of this work is to identify which aspects influence the attitude to indebtedness and the financial knowledge of employees of the Federal University of Santa Catarina (UFSC) considering variables of profile and personality traits. The main results, revealed through the application of a questionnaire, showed the predominance of personality traits "conscientiousness" and "openness to experience", in addition to indicating a high financial knowledge and low attitudes to indebtedness, which indicates a profile less susceptible to problems among employees. However, there are still those with a greater tendency to present low financial education and high attitude to indebtedness, and the other results are directed to the identification of these, which should be prioritized in training courses.

Keywords

• traços de personalidade
• atitude ao endividamento
• conhecimento financeiro
• finanças comportamentais
• servidor público