Submitted by Setor de Tratamento da Informa??o - BC/PUCRS (tede2@pucrs.br) on 2016-12-12T11:32:54Z No. of bitstreams: 1 TES_CAROLINA_RISPOLI_LEAL_COMPLETO.pdf: 3728060 bytes, checksum: 1b7c9ba76dcc88add779a25be1358ba8 (MD5) / Made available in DSpace on 2016-12-12T11:32:54Z (GMT). No. of bitstreams: 1 TES_CAROLINA_RISPOLI_LEAL_COMPLETO.pdf: 3728060 bytes, checksum: 1b7c9ba76dcc88add779a25be1358ba8 (MD5) Previous issue date: 2016-03-08 / Coordena??o de Aperfei?oamento de Pessoal de N?vel Superior - CAPES / This investigation analyzes the different dimensions present in the process of debt negotiation which act in the subjective reconfiguration of individuals in debt. Since the 1990s, with the implementation of the Plan ?Real?, Brazil has been experiencing an economic and political process which has granted ? by means of access to credit and increase to family income - the social and financial insertion of a rather significant quota of the population. On the other hand, this same process has had repercussions for the increasing indebtedness, moving more and more social players concerned about this phenomenon. The Brazilian legal system was one of those players who most felt the effect of this phenomenon, especially the restorative justice, the public defender?s offices and the department?s consumer defense, being triggered by consumers who were looking for mechanisms of debt negotiation. From 2006, by an initiative of the Rio Grande do Sul Court of Appeals, National Council of Justice (CNJ) and other entities oriented towards Consumer Rights, the first experiences of mediation for debt negotiations began. In 2009, these experiences led to the establishment of the Judicial Center of Settlement and Mediation. Through the ethnographic approach carried out at the Center of Settlement and Mediation during 2011 and 2013, it was possible to follow not only the service but also the debt negotiation sessions conducted by the public service. In addition, it was observed that following other social players, the Center of Settlement and Mediation also encourages the consumers to adopt practices to ?control? their finances. The main conclusion of this investigation resides in the fact that, despite involving distinct stories and ways of dealing with negotiated debts, as well as the meaning they have, negotiated debts contemplate not only economic criteria but also of moral and social order. At the same time, when pursuing the legal realm, individuals seemed aware of a code that defended them as consumers in their dignity, using in their own way, concepts of justice and citizenship. To problematize such criteria, the current investigation also presents the ethnographic approach carried out together with the social movement of the individuals in debt ?El Barz?n Popular?, which occurred during the PhD research from 2012 and 2013. / Esta investiga??o analisa as diferentes dimens?es presentes no processo de negocia??o de d?vidas e que atuam na reconfigura??o subjetiva dos sujeitos endividados. Desde os anos de 1990, com a implanta??o do Plano Real, o Brasil tem vivido um processo econ?mico e pol?tico que garantiu ? por meio do acesso ao cr?dito e do aumento da renda familiar ? a inser??o social e financeira de um contingente expressivo da popula??o. Por outro lado, este mesmo processo repercutiu para o crescente endividamento, mobilizando cada vez mais atores sociais, preocupados com esse fen?meno. O aparato judicial brasileiro ? sobretudo a justi?a restaurativa, as defensorias p?blicas e os ?rg?os de defesa do consumidor ? foi um dos atores que mais sentiu o reflexo deste fen?meno, sendo acionado por consumidores que buscavam por mecanismos de negocia??o dos d?bitos em aberto. A partir de 2006, por iniciativa do Tribunal de Justi?a do Rio Grande do Sul, Conselho Nacional de Justi?a (CNJ) e de outras entidades voltadas para o Direito do Consumidor, iniciaram-se as primeiras experi?ncias de media??o para negocia??o de d?vidas. Em 2009, essas experi?ncias culminaram com o estabelecimento da Central Judicial de Concilia??o e Media??o. Por meio da abordagem etnogr?fica realizada na Central de Concilia??o e Media??o, durante 2011 e 2013, foi poss?vel acompanhar o atendimento, bem como as sess?es de negocia??o de d?vidas conduzidas pelo servi?o p?blico. Al?m disso, verificou-se que, seguindo outros atores sociais, a Central de Concilia??o e Media??o tamb?m estimula os consumidores a adotarem pr?ticas para o ?controle? de suas finan?as. A principal conclus?o dessa investiga??o reside no fato de que, apesar de envolverem hist?rias e maneiras distintas de manejar, as d?vidas negociadas, bem como seus significados, tencionam crit?rios n?o apenas econ?micos, mas morais e sociais. Ao mesmo tempo, ao buscarem a esfera legal, os sujeitos se mostram cientes de um c?digo que os defende como consumidores, em sua dignidade, utilizando, ?s suas maneiras, as no??es de justi?a e cidadania. Para problematizar tais crit?rios, a presente investiga??o tamb?m apresenta a abordagem etnogr?fica realizada junto ao movimento social dos endividados El Barz?n Popular, ocorrida durante est?gio doutoral entre 2012 e 2013.

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2017-06-05T17:22:42Z No. of bitstreams: 2 LUIZ ANTONIO BARBAGALLO.pdf: 536294 bytes, checksum: 75dfd2885ca8f1b1789647b6d0d6c1af (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) / Made available in DSpace on 2017-06-05T17:22:42Z (GMT). No. of bitstreams: 2 LUIZ ANTONIO BARBAGALLO.pdf: 536294 bytes, checksum: 75dfd2885ca8f1b1789647b6d0d6c1af (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) Previous issue date: 2016-08-29 / Seeking to understand the factors that influence people`s financial decisions has been very frequent in academic research in several countries. Even considering the characteristics of each country, several common points have been identified in order to explain people???s financial behavior. In Brazil, the theme ???financial behavior and education??? increases significantly, because the improvement of population living conditions in the last years brought a significant number of people to market, and, in this scenario, a look at young adults is very important as long as this population range begins to engage in financial decisions, such as purchasing a vehicle, a real state property or starting a financial reserve for emergencies. To understand the financial behavior of these young people, this research makes a replication of De Bassa Scheresberg (2013). The work seeks to explain how social economics profiles and financial knowledge are related to young people???s behavior in decisions about loans, formation of financial reservations and retirement planning. Some findings of this study, accomplished through a research with 419 young people from six universities of the city of S??o Paulo, were similar to the object of the replication and to other studies, while other findings were not. This research concludes, in the same way as De Bassa Sheresberg (2013), that income and education are important predictors of financial education. It also concludes the variable ???educational institutional rating??? is a strong predictor of knowledge and financial behavior of young people. / A busca pelo entendimento dos fatores que influenciam as pessoas em suas decis??es financeiras tem sido uma constante em diversos trabalhos acad??micos em v??rios pa??ses. Mesmo considerando as caracter??sticas de cada pa??s, diversos pontos em comum t??m sido identificados nos estudos para explicar o comportamento financeiro das pessoas. No Brasil, o tema educa????o e comportamento financeiro ganha cada vez mais espa??o, pois a melhora da condi????o de vida da popula????o nos ??ltimos anos trouxe para o mercado um contingente expressivo de pessoas, e dentro deste cen??rio, um olhar sobre os jovens adultos torna-se importante na medida em que essa faixa da popula????o come??a a se envolver em decis??es financeiras, tais como a compra de um ve??culo, de um im??vel, ou a forma????o de uma reserva para emerg??ncias. Para entender o comportamento financeiro desses jovens, este trabalho faz uma replica????o do estudo de De Bassa Scheresberg (2013). O estudo procura explicar as rela????es dos perfis socioecon??micos e da an??lise do n??vel de conhecimento financeiro com o comportamento dos jovens nas decis??es relativas a empr??stimos, forma????o de reservas e planejamento para aposentadoria. Alguns resultados deste trabalho, realizado atrav??s de uma pesquisa com 419 jovens de seis faculdades da cidade de S??o Paulo, foram semelhantes ao estudo objeto desta replica????o e tamb??m a outros estudos, por??m, alguns resultados foram divergentes. O trabalho conclui, da mesma forma que o estudo base, que renda e educa????o s??o importantes preditores de educa????o financeira. Conclui tamb??m que a vari??vel ???classifica????o da institui????o de ensino??? ?? um forte preditor de conhecimento e comportamento financeiro dos jovens.

Made available in DSpace on 2015-12-03T18:33:11Z (GMT). No. of bitstreams: 1 Derson_da_Silva_Lopes_Junior.pdf: 1070536 bytes, checksum: 4246088b7654557fb15a66f8543b099b (MD5) Previous issue date: 2014-10-17 / Studies and academic papers has been undertaken to assess the level of financial knowledge of various groups of the population and thereby analyze the ability of these groups to deal with the economic challenges. Among the classifications applicable to the company, the organization has for generations been used to study various behavioral natures. Millennium generation has been a representative and growing group in society and in the labor market due to its growth and peculiarities. This study aimed to analyze the level of financial knowledge to a random sample of young students from a university in the south zone of S??o Paulo. The application of questionnaires to 464 young people was used as a technique for data collection. The responses were analyzed using multivariate techniques and binary logistic regression about their performance and in relation to the variables of age, gender and stroke. After analysis and statistical treatments it was concluded that this group of young people has a low level of financial knowledge level achieved by 73.06 per cent of respondents. The results of this study may contribute to the financial and credit institutions, to shape the products and services offered to millennium generation; governments, demonstrating the need for teaching young people about financial matters; young people themselves that generation, warning them about the need to broaden its base of financial knowledge and for companies offering products and services for young people. / Estudos e trabalhos acad??micos tem sido empreendidos para avaliar o n??vel de conhecimento financeiro de variados nichos da popula????o e com isso analisar a capacidade desses grupos em lidar com os desafios econ??micos. Dentre as classifica????es aplicadas ?? sociedade, a organiza????o por gera????es tem sido utilizada para estudos v??rias naturezas comportamentais. A gera????o Y tem sido um grupo representativo e crescente na sociedade e no mercado de trabalho devido ao seu crescimento e peculiaridades. Este trabalho teve por objetivo analisar o n??vel de conhecimento financeiro de uma amostra aleat??ria de jovens estudantes de um centro universit??rio localizado na zona sul de S??o Paulo. Foi utilizada como t??cnica de levantamento de dados a aplica????o de question??rios a 464 jovens. As respostas obtidas foram analisadas atrav??s de t??cnicas multivariadas e regress??o log??stica bin??ria quanto ao seu desempenho e em rela????o ??s vari??veis faixa et??ria, g??nero e curso. Ap??s as an??lises e tratamentos estat??sticos concluiu-se que esse grupo de jovens possui baixo n??vel de conhecimento financeiro, n??vel alcan??ado por 73,06% dos respondentes. Os resultados deste trabalho poder??o contribuir para as institui????es financeiras e de cr??dito, para moldar os produtos e servi??os oferecidos ?? gera????o Y; os governos, demonstrando a necessidade de orienta????o dos jovens quanto a quest??es financeiras; os pr??prios jovens dessa gera????o, alertando-os quanto a necessidade de ampliar suas bases de conhecimento financeiro e para empresas que oferecem produtos e servi??os para os jovens.

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2017-09-20T14:38:48Z No. of bitstreams: 2 Simone Ferreira e Silva.pdf: 1191981 bytes, checksum: 7ad61f8339d058f729c68691353fd8b7 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) / Made available in DSpace on 2017-09-20T14:38:48Z (GMT). No. of bitstreams: 2 Simone Ferreira e Silva.pdf: 1191981 bytes, checksum: 7ad61f8339d058f729c68691353fd8b7 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) Previous issue date: 2016-08-30 / The purpose of this research was to analyze the structure of the social network of the scientific production in four publications in the English language in Behavioral Finance in the period of 2011 to 2015. To achieve this purpose, bibliometric and sociometric studies were conducted based on 261 articles from the EBSCOHost data base which contained the expressions: behavior (including variations like behavior, behavioral, behavioural), limits to (of) arbitrage, cognitive biases, overconfidence, optimism, catering, market timing and prospect theory in the titles, key-words or abstracts. Afterwards, it was performed a bibliometric analysis of the most prolific and cited researchers and institutions, the social network they belong to, the indexes of density, the centrality of degree and betweeness, the centralization, closeness and structural holes. The social network analysis indexes made it possible to point Goetzmann as the author of the central positioning in the network, nevertheless there is no researchers elite in Behavioral Finance in periodicals and period studied. As for the institutions, the elite does exist and is made up by actors with relevant position in the network, mainly the Center of Economic Policy Research and The National Buereu of Economic Research. The results of this research may contribute to the development of the scientific production in Behavioral Finance both national and international, and benefit all who direct or indirectly are related to this field, either academic or professional. / Esta pesquisa teve como objetivo analisar a estrutura da rede social formada pela produ????o cient??fica em quatro publica????es em l??ngua inglesa na ??rea de Finan??as Comportamentais no per??odo de 2011 a 2015. Para atingi-lo, foi realizado um estudo bibliom??trico e sociom??trico com 261 artigos da base de dados EBSCOHost que continham as express??es: behavior (incluindo varia????es como behaviour, behavioral, behavioural), limits to (of) arbitrage, cognitive biases, overconfidence, optimism, catering, market timing e prospect theory em seus t??tulos, palavras-chave ou resumos. Posteriormente, procedeu-se ?? an??lise bibliom??trica de pesquisadores e institui????es mais prol??ficos e citados, das redes sociais por eles formadas e dos ??ndices de densidade, centralidade de grau e de intermedia????o, centraliza????o, proximidade e lacunas estruturais. Os ??ndices da an??lise de redes sociais permitiram apontar Goetzmann como autor de posicionamento central na rede, por??m n??o existe uma elite de pesquisadores em Finan??as Comportamentais nos peri??dicos e per??odo delimitado. J?? quanto ??s institui????es, a elite existe e ?? formada por atores com posi????o relevante na rede, principalmente o Centre of Economic Policy Research e a The National Bureau of Economic Research. Os resultados desta pesquisa poder??o contribuir para o desenvolvimento da ??rea da produ????o cient??fica em Finan??as Comportamentais nacional e internacional, al??m de beneficiar todos que, direta ou indiretamente, relacionam-se com esse campo, nos ??mbitos tanto acad??mico quanto profissional.

Made available in DSpace on 2015-12-03T18:33:16Z (GMT). No. of bitstreams: 1 Marcos_Vinicius_Godoi_Milan.pdf: 518316 bytes, checksum: 61b59ff897148b678a62ffb9f197f66d (MD5) Previous issue date: 2015-08-27 / The absence of financial education throughout the K-12 experience results in most undergraduate students lacking the financial literacy needed to make better financial decisions. Studies by the OECD and Serasa Consumidor, together with other studies cited throughout this work, show there is still a long way to go to implement a strong policy for Financial Education. This study assesses the levels of financial literacy of the undergraduate students at FECAP using a questionnaire similar to the one developed by the OECD. The survey has been carried out with 564 students who attend the evening courses and are either in the first or in the last semester of undergraduate degree programs. I investigate the relations between sociodemographic variables and courses and the level of Financial Literacy. The results indicate that FECAP s students have a high level of Financial Literacy up to 2.39 points in a scale whose maximum is 3 points. That represents a performance of 79%. This result is 19 percentage points above that of a study conducted by Serasa Consumidor and IBOPE (2014), which found that individuals with higher education had a performance of 60% . Students in the senior year of college have more Financial Knowledge than the freshmen. Students of Accounting, who comprise most of the sample with 166 individuals, presented the best results regarding Financial Knowledge.This study indicates that sociodemographic factors, such as gender, age and religion are related to Financial Literacy / A aus??ncia de t??picos relacionados a Alfabetiza????o Financeira na educa????o b??sica faz com que boa parte dos jovens cheguem ao ensino superior sem a bagagem de Alfabetiza????o Financeira necess??ria para lidar com as finan??as cotidianas. Estudos da OECD, Serasa Consumidor, al??m de da literatura citada ao longo deste estudo, apontam ainda um longo caminho a ser percorrido no que se refere ?? implanta????o de uma forte pol??tica de ensino em Alfabetiza????o Financeira. O presente trabalho mensura a Alfabetiza????o Financeira e seus fatores indicadores (Conhecimento e Comportamento Financeiros e Atitude) de alunos dos cursos da FECAP, em pesquisa aplicada a 564 etudantes do per??odo noturno, do primeiro e ??ltimo anos de gradua????o, com base no question??rio desenvolvido pela OECD. Tamb??m s??o investigadas as rela????es entre vari??veis sociodemogr??ficas e os cursos com os n??veis de Alfabetiza????o Financeira. Os resultados apontam que os alunos da FECAP possuem um elevado n??vel de Alfabetiza????o Financeira, chegando a 2,39 pontos em uma escala com pontua????o m??xima de 3,00 pontos, o que representa um aproveitamento de 79%. Este resultado est?? 19 pontos percentuais acima de uma pesquisa realizada pela Serasa Consumidor e IBOPE (2014), em que foi verificado um aproveitamento de 60% em indiv??duos com curso superior. A an??lise realizada mostra que os alunos dos ??ltimos anos t??m maior n??vel de Alfabetiza????o Financeira que os dos primeiros anos. O estudo mostra ainda que fatores sociodemogr??ficos, como g??nero, faixa et??ria e religi??o est??o relacionados ao n??vel de Alfabetiza????o Financeira

Made available in DSpace on 2015-12-03T18:33:07Z (GMT). No. of bitstreams: 1 Virginia_Prestes_Bernardes_Camillo.pdf: 841849 bytes, checksum: 5e36432262fd5944c6116a5c3ad3cbe2 (MD5) Previous issue date: 2014-03-06 / The present work has investigated from the point of view of the financial education, if the university??s students are a potential market for the popularization of equities investment and if the creation of a brokerage office, or something similar, within the educational environment, would be feasible. To achieve the general and specific objectives, it has been done interviews with managers from the educational area, managers from the capital market, and research through a questionnaire survey with students with a higher education and also a review of the literature related to financial education. The results of the research indicated that there are huge student??s interest in learning financial education; the creation of a brokerage office, or similar, within the university area was well received by educational managers as well as capital market managers, with the only requirement to combine financial practice to the theory given by the academy. It is intended that this research provides guidance popularization actions, both by the exchange as well as stockbrokers and investment agents, emphasizing the importance of bringing knowledge about finance to the people so we can have a solid foundation in the country of aware investors / O presente trabalho investigou do ponto de vista da educa????o financeira, se o p??blico universit??rio representa um mercado potencial para a populariza????o do investimento em renda vari??vel e se a cria????o de um escrit??rio de corretora, ou algo semelhante, dentro do ambiente educacional seja vi??vel. Para atingir os objetivos geral e espec??ficos foram realizadas entrevistas com gestores da ??rea de educa????o, gestores do mercado de capitais, pesquisa por meio de question??rio com alunos do ensino superior e revis??o da bibliografia relacionada ?? educa????o financeira. O resultado das pesquisas indicou que h?? claro interesse dos alunos em aprender educa????o financeira; a cria????o de um escrit??rio de corretora, ou similar, dentro de faculdades foi bem recebida tanto por gestores da ??rea educacional quanto do mercado de capitais, tendo como principal requisito aliar a pr??tica financeira ?? teoria ministrada pela academia, evitando-se eventuais conflitos de interesse. Pretende-se que esta pesquisa norteie a????es de populariza????o, tanto por parte da bolsa como tamb??m de corretoras de valores, agentes de investimentos e, finalmente, institui????es de ensino superior, enfatizando a import??ncia de levar conhecimento sobre finan??as ?? popula????o para que possamos ter no pa??s uma s??lida base de investidores conscientes

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-04-07T18:12:18Z No. of bitstreams: 2 Odilon_Feitosa_da_Silva_Neto.pdf: 802495 bytes, checksum: 2cfe6494011fceeb2dd72a93163e7985 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Made available in DSpace on 2016-04-07T18:12:18Z (GMT). No. of bitstreams: 2 Odilon_Feitosa_da_Silva_Neto.pdf: 802495 bytes, checksum: 2cfe6494011fceeb2dd72a93163e7985 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) Previous issue date: 2015-04-24 / The present research has sought to explain the context and usage of credit financial products in Brazil, considering the recent scenario of financial inclusion. Thus, the research has sought to verify the relation between the level of financial literacy of the individuals and the quality in decision making when consuming credit financial products. Also, the research discusses the relevant terms related to the theme and the main credit products recently offered by the financial institutions in the national market. Considering the focus of this research, the present work has allowed evaluation of the level of financial literacy of 317university students interviewed in a private university in the city of Sao Paulo regarding credit usage. Finally, the work proves that the higher the financial literacy level, the better the decision making in credit products consumption by the university students is, since they make choices that involve lower costs. / A presente pesquisa procurou explorar o contexto e utiliza????o de produtos financeiros de cr??dito no Brasil, considerando o recente cen??rio de inclus??o financeira. Assim, o estudo buscou verificar a rela????o entre o grau de alfabetiza????o financeira dos indiv??duos e a qualidade de suas decis??es ao consumir produtos financeiros de cr??dito. O estudo, ainda, discorre sobre os termos pertinentes ao tema e os principais produtos de cr??dito oferecidos atualmente pelas institui????es financeiras que atuam no mercado nacional. Levando-se em considera????o o objeto de pesquisa, o presente trabalho permitiu avaliar o grau de alfabetiza????o financeira de317 estudantes universit??rios entrevistados em uma universidade particular no centro da cidade de S??o Paulo no tocante ?? utiliza????o de produtos de cr??dito. Por fim, o trabalho comprova que quanto maior o n??vel de alfabetiza????o financeira, melhor s??o as tomadas de decis??o pelos universit??rios no consumo de produtos de cr??dito, uma vez que eles optam por opera????es de menor custo

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-06-02T18:28:52Z No. of bitstreams: 2 Rafael Sandini Augusto.pdf: 7978466 bytes, checksum: 66fad61e1bd2e6c436fb75c309ba837c (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Made available in DSpace on 2016-06-02T18:28:52Z (GMT). No. of bitstreams: 2 Rafael Sandini Augusto.pdf: 7978466 bytes, checksum: 66fad61e1bd2e6c436fb75c309ba837c (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) Previous issue date: 2015-08-27 / This study deals with the financial habits of college students, studying in Mass Higher Education Institutions. The aim was to ascertain the financial knowledge and financial practice of university students who attend three mass universities in S??o Paulo - SP. The study included 426 students who responded to the questionnaire. As noted in the study, the sample did not show a homogeneous behavior and also provided some evidence of the use of principles of financial education, such as the invoice conference credit cards held by 62.44% of young people, 62.91% have routine to pay the bills on time and 66.9% have the habit of comparing prices before making a purchase, however they also have contrary characteristics to these principles as no comparison in interest rates between the forward options, identified in 56.34% of the sample, 50.46% had a tendency to make impulse purchases, which shows strong evidence of non-literacy of mass university students. It is still possible to observe a significant percentage of young people who show the margin of use of the principles of financial education, they present contrary habits such as the use of overdraft limit found in 11.03%, the third party the name of the loan reported by 28% of respondents and the incidence of 30.04% already had their name registered in the credit protection services. The work is relevant to managers of the surveyed educational institutions, as this could guide them in implementing financial education programs for students, to make them more qualified young people for making financial decisions, contributing to the reduction of evasion and delinquency of these students since they began to plan their spending and to distribute their income according to your personal demands. / Este estudo trata dos h??bitos financeiros de estudantes universit??rios, que estudam em Institui????es de Ensino Superior de Massa. O objetivo, foi averiguar o conhecimento financeiro e a pr??tica financeira de jovens universit??rios que frequentam tr??s universidades de massa na cidade de S??o Paulo - SP. Participaram do estudo 426 alunos que responderam ao question??rio. Como foi observado neste estudo a amostra n??o demonstrou um comportamento homog??neo e apresentou ind??cios da utiliza????o de princ??pios da educa????o financeira, tais como, a confer??ncia da fatura de cart??es de credito realizada por 62,44% dos jovens, 62,91% tem a rotina de pagar as contas em dia e 66,9% tem o habito de comparar o pre??o antes de realizar uma compra, porem tamb??m apresentam caracter??sticas contrarias a estes princ??pios como a n??o compara????o da taxa de juros entre as op????es de compra a prazo, identificada em 56,34% da amostra, 50,46% apresentaram tend??ncias a realizar compras por impulso, o que demonstra fortes ind??cios da n??o alfabetiza????o dos jovens universit??rios de massa. Ainda ?? poss??vel observar um percentual significativos de jovens que se mostram a margem da utiliza????o dos princ??pios de educa????o financeira, pois apresentam h??bitos contr??rios a tais, como a utiliza????o do limite do cheque especial constatado em 11,03%, o empr??stimo do nome ?? terceiros relatados por 28% dos entrevistados e a incid??ncia de 30,04% j?? tiveram seu nome cadastrado nos servi??os de prote????o ao credito. O trabalho se torna relevante para os gestores das institui????es de ensino pesquisadas, pois poder?? orient??-los na implementa????o de programas de educa????o financeira para os alunos, visando tornar estes jovens mais capacitados para a tomada de decis??es financeiras, contribuindo na redu????o da evas??o e inadimpl??ncia desses alunos, uma vez que passaram a planejar seus gastos e a distribuir sua renda de acordo com suas demandas pessoais.