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Financial Literacy among Nova University Students
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Orientador(es)
Resumo(s)
Given the complexity and constant evolution of financial concepts, possessing financial
literacy is crucial for making accurate and informed financial decisions. This study aims to
investigate the level of financial literacy among master’s students at Nova University Lisbon
and understand the determinants associated with it, not only sociodemographic and
socioeconomic but also psychological factors. The study adopts a quantitative approach, using
a questionnaire as the data collection method. It was found that most Nova students have a
high level of financial literacy. Furthermore, young males who do not have education in
management or economics, who come from high-income families, and who have professional
experience tend to have a higher level of financial literacy. Psychological characteristics,
namely impulsivity and support, were found to have an impact on financial behaviours, unlike
risk tolerance which was not significant for the level of financial knowledge. Despite some
limitations, such as the fact that the sample size was smaller than intended due to the study’s
focus on just two universities, this research contributed to the debate on the definition and
measurement of financial literacy and expanded the literature regarding the influence of
psychological determinants, which are important but have not been as extensively addressed
as sociodemographic and socioeconomic factors.
Descrição
Dissertation presented as the partial requirement for obtaining a Master's degree in Statistics and Information Management, specialization in Risk Analysis and Management
Palavras-chave
Financial Literacy Financial Attitudes Financial Knowledge Financial Behaviour Determinants Master’s students SDG 1 - No poverty SDG 4 - Quality education