Educação financeira e endividamento pessoal: um estudo de caso com os policiais da Polícia Militar do Maranhão

Abstract

Good management of personal finances is of fundamental importance to maintain the balance between the individual's needs, and desires for personal satisfaction. To fulfill this objective, Financial Education and Financial Planning present healthy concepts and practices related to the correct management of money in order to provide financial stability, reducing the propensity for indebtedness. However, the lack of these practices causes physical and mental problems that have a direct impact on quality of life, affecting both the family and the professional environment. Thus, the objective of this work is to verify the reflection of financial planning in the professional and personal life, of the police officers of the Military Police of Maranhão, as well as to demonstrate that the application of the concepts of financial education can ward off default, improving the performance of services provided to society. In this research, the quantitative approach was used through data obtained through questionnaires. A, bibliographic research had been carried out to incorporate a review of the available literature on the subject. Furthermore, the inductive method was chosen because it uses statistics to search for the general thinking of the troops from the data of the research participants. The result of this study showed that 94% of police officers believe that financial indebtedness affects their professional life, with debt being responsible for generating changes such as stress in.most police officers. Therefore, this research demonstrates the importance of the Military Police organization investing in financial guidance for its policemen, as it brings numerous benefits, contributing to the personal development of the military, which will reward the institution with.greater productivity