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Advisor(s)
Abstract(s)
O crescente foco global na sustentabilidade e a necessidade de os consumidores contribuírem para o desenvolvimento social, incorporando critérios Ambientais, Sociais e de Governação (ESG) nas suas escolhas de investimento, realçam uma lacuna no que diz respeito à compreensão dos determinantes da participação em Investimento Sustentável (SI).
Nesse sentido, este estudo pretende colmatar esta lacuna focando-se na investigação da relação entre Literacia Financeira (FL) e a participação em Investimento Sustentável (SI) entre estudantes universitários e profissionais em Portugal.
Os resultados demonstraram que os indivíduos mais jovens apresentam níveis mais elevados de Literacia Financeira Sustentável (SFL) em comparação com os profissionais, sugerindo uma maior consciência dos fatores ESG. Além disso, os resultados mostram que a exposição à informação de SI através de ambientes académicos ou de local de trabalho pode aumentar a probabilidade de envolvimento em alternativas de investimento sustentável. As conclusões estão em linha com pesquisas anteriores que destacam a importância de uma compreensão mais profunda dos temas da sustentabilidade na promoção de decisões de investimento responsáveis.
O estudo procura fornecer insights para o desenvolvimento de políticas financeiras sustentáveis através de iniciativas que promovam a educação financeira, a acessibilidade aos mercados financeiros e o estabelecimento de padrões regulamentares claros para produtos financeiros classificados como sustentáveis.
The increasing global focus on sustainability and the need for consumers to contribute to societal development by incorporating Environmental, Social and Governance (ESG) criteria into their investment choices, highlights a gap in regard to the understanding of the drivers of Sustainable Investment (SI) engagement. In that sense, the research aims to address this gap focusing on the investigation of the relationship between Financial Literacy (FL) and Sustainable Investment (SI) engagement among university students and working professionals in Portugal. The results demonstrated that younger individuals exhibit higher levels of Sustainable Financial Literacy (SFL) compared to working professionals suggesting stronger awareness of ESG factors. Furthermore, the findings show that exposure to SI information through academic or workplace settings can increase the likelihood of engagement in SI alternatives. The findings align with previous research that highlights the importance of a deeper understanding of sustainability topics in fostering responsible investment decisions. The study seeks to provide insights for the development of sustainable finance policies through initiatives that promote financial education, accessibility to financial markets, and the establishment of clear regulatory standards for financial products classified as sustainable.
The increasing global focus on sustainability and the need for consumers to contribute to societal development by incorporating Environmental, Social and Governance (ESG) criteria into their investment choices, highlights a gap in regard to the understanding of the drivers of Sustainable Investment (SI) engagement. In that sense, the research aims to address this gap focusing on the investigation of the relationship between Financial Literacy (FL) and Sustainable Investment (SI) engagement among university students and working professionals in Portugal. The results demonstrated that younger individuals exhibit higher levels of Sustainable Financial Literacy (SFL) compared to working professionals suggesting stronger awareness of ESG factors. Furthermore, the findings show that exposure to SI information through academic or workplace settings can increase the likelihood of engagement in SI alternatives. The findings align with previous research that highlights the importance of a deeper understanding of sustainability topics in fostering responsible investment decisions. The study seeks to provide insights for the development of sustainable finance policies through initiatives that promote financial education, accessibility to financial markets, and the establishment of clear regulatory standards for financial products classified as sustainable.
Description
Mestrado Bolonha em Gestão
Keywords
Literacia Financeira Investimento Sustentável Literacia Financeira Sustentável ESG Financial Literacy Sustainable Investment Sustainable Financial Literacy ESG
Pedagogical Context
Citation
Carlos, Érica Bruna de Almeida (2024). “Financial literacy and sustainable investment : a study of university students and working individuals in Portugal”. Dissertação de Mestrado. Universidade de Lisboa. Instituto Superior de Economia e Gestão
Publisher
Instituto Superior de Economia e Gestão