PERFIL DOS SERVIDORES PÚBLICOS DA UNIVERSIDADE FEDERAL DE MATO GROSSO DO SUL NA UTILIZAÇÃO DE CRÉDITO CONSIGNADO

Abstract

This research aimed to identify the profile of public servants at a higher education institution who use payroll-deducted loans and the determining factors for their acquisition, analyzing the impacts of indebtedness and proposing educational measures aimed at the responsible use of credit, through a technical report with data obtained from a questionnaire applied to active and retired employees of this institution. The literature review was conducted on the Scopus, Web of Science, and Google Scholar platforms, indicating that factors such as age range, remuneration, and level of education directly influence the rate of use of payroll-deducted loans. It was also observed that most employees of this higher education institution do not have adequate knowledge of personal finance, which contributes to the recurrent use of loans and consequent commitment of income. The document analysis showed that approximately 10% of the payroll amounts are allocated to three main payroll-deducted loan providers of the Federal University of Mato Grosso do Sul: Sicredi Cooperative, Banco do Brasil, and Caixa Econômica Federal. The results obtained through the applied questionnaire indicate that the majority of civil servants with the highest commitment of payroll deduction margin have a family income between R$ 4,500.01 and R$ 9,000.00, and the main motivation for obtaining payroll loans is to pay off previous debts. This study advances the discussion of the topic by highlighting the need for institutional financial education policies aimed at the federal public service, reinforcing the importance of the technical report as a tool to support awareness of personal and institutional financial management.

Keywords: payroll loan; public servant indebtedness; financial education; federal civil servants.