Os fatores que afetam as condições financeiras pessoais e suas consequências na utilização da renda: uma análise com funcionários terceirizados da ufdpar

Abstract

This Monograph has as its theme "The factors that affect personal financial conditions and their consequences in the use of income: an analysis with outsourced employees of UFDPar". Money serves as an exchange intermediary that represents the value of goods and services, causing positive or negative consequences on people's lives depending on the decisions of choice of economic agents. Over the years for families it seems to have become more difficult to deal with personal finances. Thus, the present research started from the following question: What are the factors that affect the financial conditions of UFDPar's outsourced employees? And how do these factors interfere with the income of these professionals? This work is of great importance to society, because it brings knowledge of the interferences in the financial situation of families, and in this way, individuals will be able to control such reasons and if necessary reduce them. In order to answer the question, the central objective was to study the main factors that influence the financial situation of UFDPar's outsourced employees, examining how these elements interfere in the use of their income. Thus, it aimed specifically to describe the profile of employees and their current financial situations, then identified how the income of these servers was used between paying their obligations, consuming, saving and investing, as well as verifying in which categories of expenditure these people committed most of their incomes. The reference work was carried out within the bibliographic research and data collection, in a quali-quantitative approach, for data collection was using as technique the semi-structured questionnaire conducted with 31 employees. In view of the above, this study considered that outsourced servers are not planned and live only now and in this way, they do not find an opening to invest and use wisely and productively their income.