THE RELATIONSHIP BETWEEN FINANCIAL KNOWLEDGE, ATTITUDE, AND BEHAVIOR FROM THE PERSPECTIVE OF UNIVERSITY STUDENTS IN BUSINESS AND ECONOMICS
DOI:
https://doi.org/10.51320/rmc.v27i1.1619Keywords:
Financial Management, University Students, Business, EconomicsAbstract
This study analyzed the relationships among the elements of financial literacy—namely, financial knowledge, financial attitude, and financial behavior—from the perspective of university students in business and economics. The research was conducted through a survey applied to a final sample of 508 students, and data analysis involved descriptive statistics, analysis of variance, factor analysis, and multiple linear regression. The results confirmed a relationship between financial literacy and financial knowledge, although no significant associations were found with financial attitude or financial behavior. It was also found that prior knowledge of personal finance emerged as a relevant characteristic, while financial behavior presented the highest mean values among the analyzed factors. The study validated the instrument used to assess financial literacy in the university context. The findings contribute to theoretical, practical, and social domains, reinforcing the importance of further exploration of the topic and encouraging the development of new research focused on financial literacy among university students.
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Copyright (c) 2026 Wênyka Preston Leite Batista da Costa, Jandeson Dantas da Silva, Clóvis Antônio Kronbauer, Sérgio Luiz Pedrosa Silva
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