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Financial stress is a condition that is becoming more prevalent in today’s society. Factors such as high debt levels, low savings and economic recessions all contribute to the financial stress experienced by people across all nations. Research has found that financial stress negatively affects employees’ performance at work. Quality employees play a vital role in the success of a business. As a result, employers should strive to ensure employees’ well-being. With these increasing pressures on personal finance and its interference on work, should management attempt to improve employees’ financial well-being? Management needs to be convinced that their actions can improve their employees’ financial well-being. This study established and measured the relationship that the subjective measures financial efficacy and satisfaction with remuneration have on personal financial well-being. A sample size of 9 057 employees from different sectors in South Africa was used. Data was analysed using Pearson correlation coefficients and multiple regression analysis. Three hypotheses were tested. Hypothesis 1: There is a relationship between satisfaction with remuneration and personal financial well-being. Hypothesis 2: There is a relationship between personal financial well-being and personal financial efficacy. Hypothesis 3: Personal financial efficacy moderates the relationship between satisfaction with remuneration and personal financial wellbeing. The study found that all three hypotheses were supported. Personal financial efficacy and satisfaction with remuneration were found to have a large positive relationship with personal financial well-being. The study also established that the relationship between satisfaction with remuneration and financial well-being was stronger in people with higher personal financial efficacy. It is argued that management can intervene with employees’ financial well-being by improving financial efficacy through financial literacy education and by improving their satisfaction with remuneration. / MCom (Management Accountancy), North-West University, Potchefstroom Campus, 2014

Financial stress is a condition that is becoming more prevalent in today’s society. Factors such as high debt levels, low savings and economic recessions all contribute to the financial stress experienced by people across all nations. Research has found that financial stress negatively affects employees’ performance at work. Quality employees play a vital role in the success of a business. As a result, employers should strive to ensure employees’ well-being. With these increasing pressures on personal finance and its interference on work, should management attempt to improve employees’ financial well-being? Management needs to be convinced that their actions can improve their employees’ financial well-being. This study established and measured the relationship that the subjective measures financial efficacy and satisfaction with remuneration have on personal financial well-being. A sample size of 9 057 employees from different sectors in South Africa was used. Data was analysed using Pearson correlation coefficients and multiple regression analysis. Three hypotheses were tested. Hypothesis 1: There is a relationship between satisfaction with remuneration and personal financial well-being. Hypothesis 2: There is a relationship between personal financial well-being and personal financial efficacy. Hypothesis 3: Personal financial efficacy moderates the relationship between satisfaction with remuneration and personal financial wellbeing. The study found that all three hypotheses were supported. Personal financial efficacy and satisfaction with remuneration were found to have a large positive relationship with personal financial well-being. The study also established that the relationship between satisfaction with remuneration and financial well-being was stronger in people with higher personal financial efficacy. It is argued that management can intervene with employees’ financial well-being by improving financial efficacy through financial literacy education and by improving their satisfaction with remuneration. / MCom (Management Accountancy), North-West University, Potchefstroom Campus, 2014

Thesis (PhD (School of Public Management and Planning ))—University of Stellenbosch, 2009. / ENGLISH ABSTRACT: Since 1994, education and training in South Africa has experienced various changes, driven mainly by the Green Paper on Skills Development and the White Paper on Education which set objectives and outcomes and gave guidelines on how education and training should be approached, planned, and managed. The White Paper on Education necessitated change in SA tertiary institutions such as Stellenbosch University and its respective faculties. The Faculty of Military Science, which is situated at the South African Military Academy (SAMA) in Saldanha, accepted the challenge of contributing to the full personal development of students, by undertaking to shape people capable of organising and managing themselves and their human activities, including their financial activities, responsibly and effectively. The success of higher education institutions in empowering young people to be financially capable is questioned by various publications and surveys. Preliminary findings from surveys in 2004 and 2005 among students at the SAMA suggest that they are largely financially illiterate, thus potentially economically volatile. These findings introduce the research problem and serve as a foundation for the development of a scientific, socially relevant, valid and reliable financial literacy measurement instrument. A combined qualitative and quantitative research methodology is applied to develop a measurement instrument, which is then assessed for validity and reliability by applying it in a case study. The secondary objective of this research is the social study of the financial knowledge, financial behaviour and financial attitude levels of individuals. To ensure relevance between the case study and the measurement instrument, financial literacy is initially evaluated as a management competency. Financial literacy is stated as a key competency in the South African National Defence Force (SANDF). The financial literacy measurement instrument was constructed after an exploration of the contextual and conceptual nature of financial literacy. A questionnaire was selected as the ideal method of gathering the required information. The questionnaire’s validity and reliability were assessed as part of descriptive research in the development phase, as well as in the case study. The face and content validity were proven through input from respondents and subject experts. Reliability of the measurement instrument was assessed by calculating item difficulty, item discrimination, means, standard deviations and ultimately the internal consistency of the financial knowledge, behaviour and attitude sections of the measurement instrument. In the case study first-year students achieved an average of 50.17% for their financial knowledge although they rated their own knowledge levels to be 60.8%. The respondents struggled most with questions pertaining to investment, insurance, and inflation, and least with retirement and income and expenditure questions. This research underlines the importance of financial literacy as a management competency and its importance at a global, national, organisational and personal level. It produces a valid and reliable financial literacy measurement instrument that can be used by different stakeholders in South Africa to assess financial knowledge, behaviour and attitude, and thus indicate where intervention is required. Having a valid and reliable measurement instrument for measuring financial literacy creates opportunity for future research and development. / AFRIKAANSE OPSOMMING: Sedert 1994 het die opvoeding- en opleidingsteater in Suid-Afrika dramatiese veranderinge ondergaan met veral die die Groenskrif op Vaardigheidsontwikkeling en die Witskrif op Opvoeding, wat die doelwitte en uitkomste gestel het en die toon aangegee het in terme van hoe opvoeding en opleiding aangepak, beplan en bestuur behoort te word. Verandering genoodsaak deur die Witskrif op Opvoeding sou by assosiasie ook verandering noodsaak in SA tersiêre inrigtings soos Stellenbosch Universiteit en haar fakulteite. Die Fakulteit Krygskunde, gevestig by die Suid-Afrkaanse Millitêre Akademie (SAMA) in Saldanha, het die uitdaging aanvaar om by te dra tot die totale persoonlike ontwikkeling van studente deur te onderneem om mense te vorm wat in staat sal wees om hulself en hul aktiwiteite verantwoordelik en doeltreffend te bestuur, insluitend hul finansiële aktiwiteite. Hoër Onderwys se sukses met die bemagtiging van jong mense tot finansieel vaardige individue is deur verskeie navorsingsverslae bevraagteken. Voorlopige bevindinge van studies in 2004 en 2005 onder voograadse studente van die SAMA is dat hulle grootliks finansieel ongeletterd is en gevolglik ekonomies kwesbaar. Die bevindinge is die vertrekpunt van die probleemstelling vir hierdie studie, en vorm die basis vir die ontwikkeling van 'n wetenskaplik- en sosiaalrelevante, geldige en betroubare finansiële geletterdheidsmetingsinstrument. 'n Gekombineerde kwalitatiefkwantitatiewe navorsingsmetodologie is toegepas in die ontwikkeling van 'n metingsinstrument, en die verbandhoudende bepaling van sy geldigheid en betroubaarheid deur die toepassing daarvan in 'n gevallestudie. Die sekondêre doelwit van hierdie navorsing is die sosiale studie van die finansiële kennis-, finansiële gedrags- en finansiële houdingsvlakke van individue. Ten einde relevansie tussen die gevallestudie en die metingsinstrument te verseker, is finansiële geletterdheid aanvanklik as 'n bestuursvaardigheid geëvalueer. Finansiële geletterdheid word in die Suid-Afrikaanse Nasionale Weermag (SANW), as kernvaardigheid aangedui. Die finansiële geletterdheidsinstrument is gekonstrueer na 'n verkenning van die konteksuele en konsepsuele aard van finansiële geletterdheid. 'n Vraelys is geselekteer as die ideale metode om die relevante data te bekom. Die vraelys se geldigheid en betroubaarheid is as deel van deskriptiewe navorsing in die ontwikkelingsfase, en ook tydens die gevallestudie, bepaal. Die gesigs- en inhoudsgeldigheid is bevestig deur respondentterugvoer en vakspesialisinsette. Betroubaarheid van die metingsinstrument is bepaal deur die berekening van itemmoeilikheidsgraad, itemdiskriminasie, gemiddelde, standaardafwyking en uiteindelik interne betroubaarheid van die finansiële kennis-, gedrags- en houdingsafdelings van die metingsinstrument. In die gevallestudie, het eerstejaarstudente 'n gemiddeld van 50.17% vir die kennisfaktor behaal, alhoewel hulle hul eie kennisvlakke gemiddeld as 60.8% aangedui het. Respondente het hoofsaaklik gesukkel met kennisvrae wat handel oor beleggings, versekering en inflasie. Hul het die minste gesukkel met kennisvrae wat handel oor aftrede en inkomste en uitgawes. Hierdie navorsing bevestig die belangrikheid van finansiële geletterdheid as bestuursvaardigheid, asook op 'n globale, nasionale, organisatoriese en persoonlike vlak. Hierdie studie het 'n geldige en betroubare finansiële geletterdheidsmetingsinstrument opgelewer; een wat deur diverse finansiële geletterdheidsaandeelhouers in Suid-Afrika aangewend kan word. Hierdie metingsinstrument sal empiriese inligting oor finansiële kennis-, gedrags-, en houdingsvlakke genereer en aantoon waar intervensie benodig word. Die belangrikheid van finansiële geletterdheid, sowel as die noodsaak vir 'n geldige en geloofwaardige metingsinstrument, is geleenthede vir verdere navorsing en ontwikkeling.

The theoretical part of the diploma work defines intellectual disabilities, as well as the possibilities of counselling and educating of pupils with mental disabilities. Further, the thesis discusses education and re-education of pupils with diagnosed mental retardation. It outlines the inclusion of financial literacy into the curricular documents intended for pupils with a mental disability across educational areas with emphasis on mathematics. The thesis introduces materials and their parameters suitable for the inclusion of financial literacy at practical primary schools. The practical part covers experimental education of individual thematic topics of financial literacy at practical primary schools. The carried out initial diagnostics of pupils at a selected practical primary school focused on percentages, simple interest and a family budget. This diagnostics had a general character, as was also verified. Furthermore, the thesis presents a detailed record from own executed teaching with regard to four monitored pupils, including their casuistry. After the completion of the teaching, its success was assessed. The work can be used not only by teachers at practical primary schools but also at ordinary primary schools, because it contains a series of graded tasks that lead to the development of...

BACKGROUND: Generation Y are habitual technology and internet users who prefer to collect information fast and easy. The search-costs are considered to have decreased since information is more accessible now than before, but the valuation costs have instead increased when both disinformation and misinformation is present. Generation Y’s financial behaviour have been proved by earlier researches to have been affected by financial literacy, financial socialisation, interests and needs, which may also have a crucial part in their information-seeking behaviours. Research has concluded, by a quantitative approach, which information sources is preferred by generation Y but why these information sources are preferred and what costs they cause are missing from the current research literature. AIM: The purpose of this dissertation consists of two parts. Firstly, it is to examine how young adults belonging to generation Y collect and critically value financial information with the help of their own experience, reasoning and influence from other people to substantiate a financial decision. Secondly, the purpose is to analyse generation Y’s perceived transaction costs in their handling of accessible financial information and how these processes are affected by financial socialisation, financial literacy, interests and needs.   COMPLETION: This dissertation takes the qualitative approach as nine semi-structured interviews have been carried out. The respondents have discussed several different aspects which revealed detailed insight in their information-seeking behaviour where there were features of retellings about personal information-seeking in regard to financial information.   CONCLUSION: Generation Y prefer to use people or the internet as information sources because that is where the perceived search and valuation costs are the lowest. Their preferences are affected by the perceived costs, these costs in turn are affected by financial literacy, financial socialisation, interest and needs. Considering the four dimensions of financial capability, it is apparent that interests is the crucial element to generation Y if they want to attain all four dimensions by themselves. In those cases where interests are lacking, financial advisory services can replace generation Y’s need to attain all four dimensions. / BAKGRUND: Teknikvana och internetanvändande generation Y föredrar att inhämta information snabbt och enkelt. Med lättillgänglig information anses sökkostnader vara lägre än tidigare men värderingskostnader ökar då både desinformation och missinformation förekommer. Generation Y:s finansiella beteende har av tidigare forskning visats påverkas av både deras finansiella bildning, ekonomiska socialisering, intresse samt behov, vilka även kan ha en avgörande roll i deras informationssökande. Forskning har med en kvantitativ ansats konstaterat olika informationskällor som generation Y föredrar men varför dessa informationskällor föredras och vilka kostnader de medför saknas i det nuvarande forskningsläget.   SYFTE: Uppsatsens syfte består av två delar. För det första är syftet att undersöka hur unga vuxna från generation Y inhämtar och kritiskt granskar finansiell information utifrån egna erfarenheter, resonemang och påverkan från andra människor för att underbygga ett finansiellt beslut. Därefter är syftet att lyfta fram och analysera generation Y:s upplevda transaktionskostnader i deras hantering av lättillgänglig finansiell information och hur dessa processer påverkas av ekonomisk socialisering, finansiell bildning, intresse och behov.   GENOMFÖRANDE: Studien har haft en kvalitativ ansats och därav har nio semistrukturerade intervjuer gjorts med individer tillhörande generation Y. Respondenterna fick diskutera kring olika aspekter för att få insikt i deras informationsinhämtning där även egna återberättelser om individuella informationsinhämtning om finansiella dilemman förekom.   SLUTSATS: Generation Y föredrar att vända sig till experter, amatörer eller internet för att det är där de lägsta sökkostnader och värderingskostnader upplevs finnas. Deras preferenser påverkas utifrån upplevda transaktionskostnaderna, som i sin tur har influerats av både finansiell bildning, ekonomisk socialisering, intresse och behov. Utifrån de fyra dimensionerna av finansiell kompetens, framgår det att intresse är den avgörande faktorn för att generation Y ska uppnå alla fyra kompetenser på egen hand. I de fall där intresse saknas, kan finansiell rådgivning ersätta generation Y:s behov av att uppnå alla fyra finansiella kompetenser.

O objetivo do presente trabalho é estabelecer a relação entre o nível de tolerância ao risco financeiro de investidores (e investidores potenciais), suas características demográficas, seus traços de personalidade, vieses comportamentais e nível de educação financeira. A literatura consultada subsidiou os conceitos dos traços de personalidade bem como os conceitos de finanças comportamentais, educação financeira e tolerância ao risco. A metodologia utilizada foi descritiva, com método quantitativo, tendo sido utilizadas as técnicas estatísticas de análise fatorial exploratória e regressão múltipla hierárquica para tratamento dos dados. Foi aplicada uma survey em amostra não probabilística, selecionada por conveniência, constituída por indivíduos maiores de 18 anos, oriundos de vários estados brasileiros. Os resultados mostraram que, na amostra estudada, os homens são mais tolerantes ao risco do que as mulheres, a faixa etária tem uma relação inversa com a variável independente, indicando que os mais jovens seriam mais propensos ao risco. Além disso, os achados indicam que os traços de personalidade não foram importantes para explicar a tolerância ao risco uma vez que, no modelo final da análise de regressão hierárquica, nenhuma das variáveis que compõem os traços de personalidade foram significantes. Quanto aos vieses comportamentais abordados neste trabalho, o viés do autocontrole, foi considerado significante para explicar a tolerância ao risco, indicando que as pessoas com mais autocontrole têm maior tolerância ao risco. A educação financeira também foi uma variável significante para explicar a tolerância ao risco, sendo positivamente relacionada com a mesma. Dessa forma, os resultados aqui obtidos indicaram que a tolerância ao risco é influenciada por características comportamentais e cognitivas. / The aim of the present study is to establish the relationship between the level of financial risk tolerance of investors (and potential investors), demographic characteristics, personality traits, behavioral biases and level of financial education. The literature consulted supported the concepts of personality traits as well as the concepts of behavioral finance, financial education and risk tolerance. The methodology adopted was descriptive and quantitative. The statistical techniques used was the factorial analysis and hierarchical multiple regression. The sample was non probabilistic, selected by convenience and consisted of individuals over 18 years of age, from several Brazilian states. The results showed that, in the sample studied, men are more risk tolerant than women, the age has an inverse relationship with the independent variable, indicating that the younger ones would be more risk-prone. Furthermore, the findings indicate that personality traits were not important in explaining risk tolerance since, in the final model of hierarchical regression analysis, none of the traits were significant. Regarding the behavioral biases addressed in this study, the self-control bias was considered significant in explaining risk tolerance, indicating that people with more self-control have greater risk tolerance. Financial education was also a significant variable to explain risk tolerance and was positively related to it. Thus, the results achieved indicate that risk tolerance is influenced by behavioral and cognitive characteristics.

Submitted by Adriana Alves Rodrigues (aalves@espm.br) on 2018-10-09T19:04:13Z No. of bitstreams: 1 MPCC - LUÍS FERNANDO MORAIS VIDAL.pdf: 3583551 bytes, checksum: 62534655c37e541e6d0d8a1319d18879 (MD5) / Approved for entry into archive by Adriana Alves Rodrigues (aalves@espm.br) on 2018-10-09T19:04:51Z (GMT) No. of bitstreams: 1 MPCC - LUÍS FERNANDO MORAIS VIDAL.pdf: 3583551 bytes, checksum: 62534655c37e541e6d0d8a1319d18879 (MD5) / Approved for entry into archive by Debora Cristina Bonfim Aquarone (deborabonfim@espm.br) on 2018-10-09T19:11:49Z (GMT) No. of bitstreams: 1 MPCC - LUÍS FERNANDO MORAIS VIDAL.pdf: 3583551 bytes, checksum: 62534655c37e541e6d0d8a1319d18879 (MD5) / Made available in DSpace on 2018-10-09T19:12:00Z (GMT). No. of bitstreams: 1 MPCC - LUÍS FERNANDO MORAIS VIDAL.pdf: 3583551 bytes, checksum: 62534655c37e541e6d0d8a1319d18879 (MD5) Previous issue date: 2018-03-29 / The objective of this dissertation is to investigate if the degree of Financial Literacy of individuals is a determining factor in the planning of retirement in Brazil. The measurement of Financial Literacy was based on the scale used by Van Rooij, Lusardi and Alessie (2011). The original scale developed by these authors is divided into two parts. The first one of these two is intended to measure the Basic Financial Literacy that measures knowledge about interest rates, inflation, value of money in a period of time, and second measures the Advanced Financial Literacy by analyzing knowledge about the stock market, risk, return, diversification, bonds and mutual fund. Besides that, in the light of behavioral economics, we evaluated how the Brazilian would feel with the application of a Nugde in adherence to the private pension plan. This evaluation was carried out through two questions elaborated by the author, using a 5- point Likert scale. For this, 226 people with age between 30 and 60 years were interviewed online. The interviewees were divided into quota by economic class, based on the per capita family earnings expressed in Reais according to the criteria used by the Getúlio Vargas Foundation (also known as FGV). The questionnaire also addressed sociodemographic questions (age, sex, schooling, and employment situation). In summary, the results point out that financial literacy is strongly associated with retirement planning. Besides that, the results also demonstrate that individuals see positively Nudge, one of the main instruments of behavioral economics. Therefore, we can conclude that it is extremely important that there be investments in the creation of financial education programs and studies in the area of behavioral economics, whether public or private, so that we can increase the knowledge and planning of individuals for retirement. / A presente dissertação tem por objetivo investigar se o grau de Alfabetização Financeira dos indivíduos é um fator determinante do planejamento de aposentadoria no Brasil. A mensuração da Alfabetização Financeira tomou como base a escala utilizada por Van Rooij, Lusardi e Alessie (2011). A escala original desenvolvida por esses autores divide-se em duas partes. A primeira delas destina-se a medir a Alfabetização Financeira básica que mede o conhecimento sobre taxa de juros, inflação, valor do dinheiro no tempo e, a segunda, mede a Alfabetização Financeira avançada, analisando o conhecimento sobre o mercado acionário, risco, retorno, diversificação, títulos e fundo mútuos. Além disso, à luz da economia comportamental, avaliamos como o brasileiro se sentiria com a aplicação de um Nugde na adesão ao plano de previdência privada. Essa avaliação foi realizada por meio de duas questões elaboradas pelo autor, utilizando uma escala tipo Likert de 5 pontos. Para isso, foram entrevistados de forma on-line 226 pessoas de idade entre 30 e 60 anos. Os entrevistados foram divididos em cotas por classe econômica, a partir dos rendimentos familiares per capita expressos em reais de acordo com os critérios utilizados pela Fundação Getúlio Vargas (FGV). O questionário também contemplou as perguntas sociodemográficas (idade, sexo, escolaridade, e situação de emprego). Em suma, os resultados apontam que a alfabetização financeira está fortemente associada ao planejamento de aposentadoria. Além disso, os resultados também demosntram que os indivíduos enxergam positivamente o Nudge, um dos principais instrumentos da economia comportamental. Portanto, podemos concluir que é extremamente importante que haja investimentos na criação de programas de educação financeira e estudos na área da economia comportamental, seja de ordem pública ou privada, para que possamos ampliar o conhecimento e o planejamento dos indivíduos para a aposentadoria.

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.

O presente estudo busca analisar, no contexto de uma organização pública brasileira, as relações de qualidade de vida no trabalho, bem-estar financeiro, literacia financeira e desempenho individual. No campo teórico se observou as pesquisas e fundamentos do bem-estar humano que em diversos estudos é associado à felicidade, composto pela satisfação com a vida e pelo balanço de afetos negativos e positivos, uma vez que se constitui de aspectos envolvidos pelos demais construtos. Demonstrados os fundamentos dos estudos anteriores de cada elemento das relações analisadas, foi definido o modelo geral de delineamento da pesquisa, adotando a literacia financeira e bem-estar financeiro como antecedentes de qualidade de vida no trabalho, e qualidade de vida no trabalho e bem-estar financeiro como antecedentes de desempenho no trabalho. Para a amostra foram apresentadas as estatísticas descritivas, procedendo-se à análise de consistência das escalas, que foram consideradas adequadas. Posteriormente, foram testadas as relações por meio de modelagem de equações estruturais (SEM), passando pelos testes de ajustes com parâmetros considerados bons e válidos para as inferências de análise. De quatro (04) hipóteses testadas nas relações, os resultados apresentados demonstram que: a primeira hipótese foi suportada, demonstrando-se que é possível inferir que o Estado Pessoal de Qualidade de Vida influencia positivamente o Desempenho no Trabalho, com coeficiente de 0,298; a hipótese dois foi suportada, podendo-se inferir que Bem-estar Financeiro apresenta relação precedente significativa e positiva para a Qualidade de Vida no Trabalho, com coeficiente de 0,651; a hipótese três não foi suportada no modelo de equações estruturais, então foi realizado teste de correlação de Spearman, e dada a distribuição não normal, foi possível inferir que Literacia Financeira está significativamente correlacionada com Estado Pessoal de Qualidade de Vida com coeficiente 0,228; por fim, a hipótese quatro foi suportada, inferindo-se que o aumento do Bem-estar Financeiro influencia de forma significativa e positiva o aumento no Desempenho com coeficiente de 0,628. Compreende-se que o presente estudo enriquece as relações estudadas a respeito de qualidade de vida no trabalho ao trazer os construtos de literacia financeira e bem-estar financeiro para o debate de comportamento organizacional e gestão de pessoas no Brasil, bem ainda, sua influência para a gestão estratégica de pessoas observados os reflexos sobre desempenho no trabalho. / The present study aims to analyze in the context of a Brazilian public organization the relations between quality of work life, financial wellbeing, financial literacy and job performance. In the theoretical field, was demonstrated the research and principles about human wellbeing that in several studies is associated with happiness, composed by the satisfaction with life and by the balance of negative and positive affects, since it is constituted of aspects involved by the other constructs in this research. After demonstrating literature that support each construct of the relationships analyzed in previous studies of each element, the general model of research design was defined, adopting financial literacy and financial wellbeing as antecedents of quality of work life, and quality of work life and financial wellbeing as antecedents of job performance. For the sample, the descriptive statistics were presented, the analysis of consistency of the scales was considered and confirmed appropriate, after the relationships were tested through structural equation modeling (SEM), through the tests of adjustments with parameters considered good and valid for the inferences of analysis. From the four hypotheses tested in the relations, the results presented demonstrate that: the first hypothesis was supported, demonstrating that it is possible to infer that the Personal State of Quality of Work Life positively influences the Job Performance, with coefficient of 0,298; the hypothesis two was supported, it can be inferred Financial Wellbeing presents a significant and positive precedent relation for Quality of Work Life, with a coefficient of 0.651; the hypothesis three was not supported in the structural equations model, then the Spearman Correlation test was performed, given the not normal distribution, allowing to infer that Financial Literacy is significantly correlated with Personal State of Quality of Work Life with a coefficient of 0.228; and hypothesis four supported, inferring that the increase in Financial Wellbeing influences significantly and positively the increase in Job Performance with a coefficient of 0.628. It is understood that the present study enriches the relations studied regarding quality of life at work by bringing the constructs of financial literacy and financial wellbeing to the debate of organizational behavior and people management in Brazil, and its influence for the management strategic human resources observed reflections on job performance.