EDUCAÇÃO FINANCEIRA E SUPERENDIVIDAMENTO: UM ESTUDO DE CASO

Autores

  • Makário Orozimbo Universidade Federal de Goiás
  • Solon Bevilacqua Pontifícia Universidade Católica de Goiás

Palavras-chave:

educação financeira, alfabetização financeira, machine learning, random forrest

Resumo

Em meio à pandemia do covid-19, foram investigados de forma aleatória servidores públicos brasileiros, por meio de um formulário enviado por e-mail. A pesquisa teve uma fase exploratória, com o emprego da Análise Fatorial Exploratória para identificação das dimensões. Além de validar um questionário com 63 variáveis, a pesquisa criou um modelo preditivo para a educação financeira. Um cluster significativo foi identificado a partir das análises de Regressão Logísitca: as pessoas realizam comparações prévias entre as opções de crédito disponíveis; as pessoas estão satisfeitas com a forma com que controlam os seus gastos; a vida seria melhor se as pessoas possuíssem coisas que não possuem. O modelo de Regressão Logística previu com exatidão cerca de 90% das respostas, apresentando-se de forma robusta para efeitos de previsão. A variável dependente “endividamento” foi explicada com sucesso por variáveis importantes “faço escolhas” mas “não controlo minhas despesas mensais” Esse modelo, além do questionário validado, pode ser empregado para programas de alfabetização e educação financeiras.

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Publicado

2022-05-05

Como Citar

OROZIMBO, M.; BEVILACQUA, S. EDUCAÇÃO FINANCEIRA E SUPERENDIVIDAMENTO: UM ESTUDO DE CASO. Omnia Sapientiae, [S. l.], v. 2, n. 1, p. 6–17, 2022. Disponível em: https://revistas.catolicadorn.com.br/omnia/article/view/31. Acesso em: 19 set. 2024.

Edição

v. 2 n. 1 (2022): Saúde, Gestão e Humanização

Seção

Artigo

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Copyright (c) 2022 Omnia Sapientiae

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