Análise da influência da educação financeira sobre as decisões econômicas dos indivíduos

Abstract

The importance of Financial Education in the world and how it can contribute to better economic decision-making by individuals has been the object of study. Parallel to this, there is a growing line of study within the Economic Sciences that seeks to show how people's behavior influences their economic choices. Therefore, the objective of the present work is to analyze how Financial Education contributes to better decision making and how Behavioral Economics can make the teaching of Financial Education at different levels more effective. Such investigation becomes prominent in the current scenario of development of financial markets and banking inclusion in which more and more individuals are inserted in contexts where they are led to make decisions about their finances. For this, a bibliographic survey was carried out that sought to show how some authors approach the themes in question and what conclusions can be drawn from such approaches. Among the possible conclusions, it is highlighted that Financial Education positively influences the financial behavior of individuals, but there are also other behavioral factors that need to be considered by educators so that the teaching of Financial Education is more effective, such as aversion to change and overconfidence.