CHARACTERISTICS OF CREDIT CARD INDEBTEDNESS OF STUDENTS AT THE STATE UNIVERSITY OF MARINGÁ ; Características del endeudamiento por médio de tarjetas de crédito de los estudiantes de la Universidad Estatal de Maringá ; Características do Endividamento no Cartão de Crédito dos Estudantes da Universidade Estadual de Maringá

Objective: To analyze the indebtedness, with emphasis on the use of credit cards, as well as the level of financial knowledge, of students at the main campus of the State University of Maringá (UEM) in the year 2023. Theoretical Framework: Based on the wide use of credit cards as a means of payment and access to credit in a context of high indebtedness and delinquency of Brazilian families. In this context, some aspects of the importance of financial education are addressed. Method: Application of a questionnaire with questions about the financial habits of UEM students, analyzing the frequency of credit card use, the existence of overdue debts, the level of knowledge about interest and card benefits, as well as aspects about indebtedness and financial planning. Results and Conclusions: The results showed that the indebtedness profile of UEM students differs from that found in the country. The use of credit cards appears in second place as a preferable means of payment by students, who have a low level of indebtedness and delinquency. However, approximately half of students don´t adopt financial planning practices, which is a worrying fact. Implications of the Research: The study recommends that universities promote financial education actions with the aim of showing the importance of planning individual finances. Originality/Value: Scarcity of studies that specifically address college student indebtedness with an emphasis on credit card use. ; Objetivo: Analizar el endeudamiento, con énfasis en el uso de tarjetas de crédito, así como el nivel de conocimientos financieros, de los estudiantes del campus principal de la Universidad Estatal de Maringá (UEM) en el año 2023. Marco teórico: Basado en el uso generalizado de tarjetas de crédito como medio de pago y acceso al crédito en un contexto de alto endeudamiento y morosidad de las familias brasileñas. En este contexto, se abordan algunos aspectos de la importancia de la educación financiera. Método: Aplicación de un cuestionario con preguntas sobre los hábitos ...