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Advisor(s)
Abstract(s)
A literacia financeira pode ser considerada como a capacidade de utilizar conhecimentos e habilidades para gerir eficazmente os recursos financeiros, durante um longo período de bem-estar financeiro. Ter esses conhecimentos é o elemento-chave para tomar decisões financeiras sólidas e é essencial para manter o bem-estar. Desta forma, o presente estudo tem como principal objetivo investigar os fatores que poderão influenciar a literacia financeira e o seu efeito no bem-estar financeiro, através da atitude financeira e do stress financeiro e indivíduos portugueses e brasileiros. A partir da amostra de 158 participantes portugueses e brasileiros, é possível constatar que, por um lado, a literacia financeira é positivamente influenciada pelo grau de escolaridade e rendimento, e negativamente influenciada pela frequência com que se poupa dinheiro. Por outro lado, a literacia financeira está positivamente relacionada com o bem-estar financeiro através de atitudes
financeiras e stress financeiro.
Financial literacy can be defined as the ability to use knowledge and skills to manage financial resources effectively, ensuring long-term financial well-being. Possessing this knowledge is fundamental to making informed financial decisions and is crucial for maintaining one's well-being. Therefore, the primary aim of this study is to explore the factors influencing financial literacy and to examine its impact on financial well-being, through financial attitudes and financial stress among Portuguese and Brazilian individuals. From a sample of 158 participants from Portugal and Brazil, we found that education level and income positively influence financial literacy, while the frequency of saving money negatively affects it. Furthermore, financial literacy is positively related to financial well-being, through financial attitudes and stress.
Financial literacy can be defined as the ability to use knowledge and skills to manage financial resources effectively, ensuring long-term financial well-being. Possessing this knowledge is fundamental to making informed financial decisions and is crucial for maintaining one's well-being. Therefore, the primary aim of this study is to explore the factors influencing financial literacy and to examine its impact on financial well-being, through financial attitudes and financial stress among Portuguese and Brazilian individuals. From a sample of 158 participants from Portugal and Brazil, we found that education level and income positively influence financial literacy, while the frequency of saving money negatively affects it. Furthermore, financial literacy is positively related to financial well-being, through financial attitudes and stress.
Description
Mestrado em Contabilidade
Keywords
Literacia financeira Bem-estar financeiro Atitude financeira Stress financeiro Financial literacy Financial well-being Financial attitude Financial stress
Pedagogical Context
Citation
Carvalho, L. M. V. (2023) O estudo sobre a literacia financeira e o bem-estar financeiro. [Dissertação de mestrado, Instituto Superior de Contabilidade e Administração de Lisboa]. Repositório Científico do Instituto Politécnico de Lisboa. http://hdl.handle.net/10400.21/17456