Financial education, interaction with parents and other factors related to the use of credit cards by accounting students

Authors

DOI:

https://doi.org/10.21680/2176-9036.2019v11n2ID15616

Keywords:

Credit Cards. Financial education. Accounting Students

Abstract

Purpose: To identify the factors related to the use of credit cards by students of the Accounting Sciences course.

Methodology: It was adopted the use of questionnaire data applied to students. The study sample comprises students in the face-to-face course modality of higher education institutions in the South, Southeast, Midwest and Northeast regions, with 946 respondents. Data were analyzed using descriptive statistics and ordered logit model.

Results: It is evidenced that the majority of the respondents only use a credit card; financial education was negatively significant in the use of credit cards. Financial education is associated with respondents' optimism in financial decision-making. Also, interaction with parents about personal finances is associated with the great possibility of using credit card.

Contributions of the Study: Become important to various stakeholders such as students, financial advisors, researchers, educational institutions, parents and other financial socialization agents, once helps to understand the factors that influence the use of credit card. Stakeholders can use the information obtained from this research to address issues related to financial management, financial well-being and bankruptcy, in order to obtain better global financial resources.

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Author Biographies

Thiago Bruno de Jesus Silva, Universidade Federal da Grande Dourados

Doutorando em Contabilidade pela Universidade Federal de Santa Catarina (UFSC). Professor da Universidade Federal da Grande Dourados (UFGD).

Luís Antonio Lay, Universidade do Contestado

Mestre em Ciências Contábeis pela Universidade Regional de Blumenau (FURB) e Professor da Universidade do Contestado (UnC)

Paula Gracielle Coelho de Paula Nogueira, Faculdade de Balsas

Graduada em Ciências Contábeis pela Faculdade de Balsas (Unibalsas)

Gerson João Valeretto, Universidade Federal da Grande Dourados

Doutorando em Ciências Ambientais e Sustentabilidade Agropecuária pela Universidade Católica Dom Bosco (UCDB) e Professor da Universidade Federal da Grande Dourados (UFGD)

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Published

03-07-2019

How to Cite

SILVA, T. B. de J.; LAY, L. A.; SOUSA, A. M. de; NOGUEIRA, P. G. C. de P.; VALERETTO, G. J. Financial education, interaction with parents and other factors related to the use of credit cards by accounting students. REVISTA AMBIENTE CONTÁBIL - Universidade Federal do Rio Grande do Norte, [S. l.], v. 11, n. 2, p. 131–151, 2019. DOI: 10.21680/2176-9036.2019v11n2ID15616. Disponível em: https://periodicos.ufrn.br/ambiente/article/view/15616. Acesso em: 22 nov. 2024.

Issue

Vol. 11 No. 2 (2019): Jul./Dez.

Section

Section 3: Research of Field on Accounting (Survey) (S3)

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