Estudo da percepção dos conhecimentos sobre educação financeira e gestão das finanças pessoais para uma turma do Ensino Médio de uma escola pública de Fortaleza - CE

Abstract

Financial education is an element of fundamental importance to create in individuals a more critical and conscious posture in the decision-making process regarding the control and planning of their personal finances. Thus, the research developed was elaborated with the general objective of verifying how the acquisition of knowledge about financial education can improve financial decisions related to the management of the family budget and the more efficient realization of investments and better management of assets. As specific objectives, we studied the profile of the respondent students about their knowledge in financial education and the profile of their decisions regarding spending on purchases of goods and services, type of indebtedness, sources of information on financial education and types of applications. preferred by respondents. A questionnaire was applied to a total of 42 students from Youth and Adult Education (EJA) courses in a public school in Fortaleza - CE. In general, it was found that although the responding students have a positive assessment of the importance of obtaining knowledge in financial education and financial mathematics, they still lack, in a way, a more formal financial education, which allows them to avoid situation of recurrent indebtedness, given that most of them have some type of credit card debt, overdraft or financing and most of them have not taken any formal financial education course. Another important fact observed is that the limitations of the respondents on financial education topics means that, when they do not have a more detailed knowledge of financial market products, they end up opting for more conservative types of financial investments and investments in fixed income and do not diversify. your financial operations that could provide you with greater financial returns.