Planejamento financeiro: uma análise econômica da situação dos cadetes da Polícia Militar do Maranhão

Abstract

Managing personal finances is an essential activity for achieving financial well-being. For those who are still entering the job market, receiving their first salary, as in the case of students in the officer training course, this activity is even more fundamental. In the country, it is increasingly common for Brazilian families to suffer from problems related to indebtedness. In the military field it is no different. Based on this, the objective of this work is to analyze how the lack of financial planning contributes to indebtedness and affects the quality of life of the cadets of the Military Police of Maranhão. For this, a case study was used with a quantitative approach, in addition to bibliographic research techniques to compose a literature review related to the topic. The chapters of this work mainly deal with topics related to financial education, financial planning and indebtedness. In this research, a questionnaire with closed questions and an open question was used and had a total of 140 responses from volunteers. The results showed that 96% of respondents think that the knowledge about finance acquired at school was insignificant. And that 55% do not consider themselves financially organized. Therefore, this research showed that there is a need for demand from the Institution to find ways to insert a discipline related to financial education in the CFO's curriculum, preferably in the first period of the course