ENDIVIDAMENTO: UMA ANÁLISE DA SITUAÇÃO FINANCEIRA DOS ACADÊMICOS DO CURSO DE ADMINISTRAÇÃO DO CAMPUS CPAQ DA UFMS

Abstract

Indebtedness is the result of various factors, including rampant consumerism and lack of financial education. With the aim of identifying the main sources of indebtedness among students enrolled in the Administration program at the Aquidauana Campus (CPAQ), the article analyzes the financial situation, in relation to indebtedness, of Administration students at the Federal University of Mato Grosso do Sul (UFMS), specifically at CPAQ. The theoretical framework discusses consumerism, emphasizing how marketing and social pressure influence purchasing decisions. Indebtedness is defined as a situation where debts resulting from loans, financing, or credit purchases exceed the capacity to repay the available resources. Lack of financial education and impulsive spending contribute to this scenario. This article demonstrates the importance of effective personal finance management, which is essential for the education of future administrators. Throughout this study, the main sources of indebtedness among Administration students at CPAQ were identified. The collected data revealed that credit cards are the primary source of indebtedness, followed by utility bills such as water, electricity, and internet. Additionally, many students presented debts related to streaming services and store installment plans.