Alfabetização financeira no exército brasileiro: uma análise em uma organização militar da fronteira gaúcha

Abstract

Taking into account the existence of an educational gap, this study sought to estimate the level of financial literacy of the military of an organization of the state border, identifying the level of knowledge, behaviors and financial attitudes of these military and comparing these attributes by hierarchical level and socioeconomic variables. Starting from the assumption that compulsory military service is configured as a gateway to the labor market and financial inclusion. Thus, it was deemed appropriate to assess the level of literacy of the public, extending this analysis to all strata of the Military Organization. The study is classified as descriptive, with quantitative approach. Has been chosen to use the survey as a research method and the data were collected with a collection tool and a measurement methodology previously validated. For these data represent more faithfully the population considered, has been used a stratified random sample. The analysis was done through descriptive statistics and has been verified the existence of relationship between the variables using the t Test and ANOVA. As a result, it was found that most of the servers that make up the organization have a low level of financial literacy. It was concluded that the size of some attitudes influences the formation of financial literacy levels and has been observed a direct relationship between financial literacy and financial behavior. Has been discovered that the hierarchical level, age, marital status, possession, or non-dependent, education, income and the constitution of households with respect to economically active residents influence on financial literacy. The findings reinforce the need to implement strict financial literacy to the general population, in order to expand the scope of the National Strategy for Financial Education (ENEF).