Alfabetização financeira rural em economias em desenvolvimento: Uma análise integrada

Abstract

Due to the increasing complexity of financial transactions in macroeconomic scenarios, the observation of financial iliteracy not only raises significant questions in the context of public policy, but also has consequences for financial behavior, especially among rural residents, historicall due to difficulties in acesasing information. In this context, this study aims to measure the level of finacila literacy among residents of the rural area of the municipality of Cpistrano, Ceará, in relation to fincial knowlege, atitudes, and behavior. To this end, a structured questionnaire was administered to 175 rural residents. The method adopted was discriminant analysis, which allowed the classification of participants into groups, namely: low, medium, and high levels of RFL, with solid validation of these. The results of this study showed that the population examined has a low level of RFL, validating the assumption widely present in the international literature that rural dwellers are less likely to be part of the group with a high level of FL. This study focuses on the connection between FL and the rural context, seeking to identify strategies for promoting sustainable and economic rural development, thus highlighting the relevance of future investigations in other rural areas