Propensão ao endividamento do servidor público docente da Universidade Federal do Pampa

Abstract

In recent decades, a new field of study in finance, questioning the full rationality of investors, called Behavioral Finance. This study aims to identify the propensity to indebtedness of public servants faculty of Federal University of Pampa, by conducting a survey to 127 professors together, where the data were collected by means of an electronic questionnaire. Using data obtained through exploratory factor analysis, it was found that the KMO test resulted in a value of 0.663 and Bartlett's test of sphericity was significant (0.000), and was found three factors, which can be verified that the found three factors are responsible for explaining 56.163% of the total variance, but only one reached in index greater than 0.6 and Cronbach's Alpha was used for descriptive statistics and analysis for the variable with income through the use of the program Crosstabs. Overall, this study showed that, on average, professors at the Federal University of Pampa are little prone to debt and manage to spend less than they earn, and a higher provision for outstanding teaching those respondents who are in the income range R $ 2,822.30 to R $ 4,651.59, this result is arising from the indecision of the respondents regarding the option of installment and contraction itself of financial obligations. Overall the survey revealed quantitatively that decisions about the debt are not fully rational, because behavioral and psychological variables can affect this decision.