http://repositorio.ufc.br/handle/riufc/23976 Fri, 10 Apr 2026 12:43:52 GMT 2026-04-10T12:43:52Z http://repositorio.ufc.br/handle/riufc/83347 Título: Educação financeira: um estudo sobre investimentos e aposentadoria com professores e alunos da Universidade Federal do Ceará (UFC) - Campus Sobral Autor(es): Sousa, Santiago Ribeiro de Abstract: Financial education and the Brazilian social security system have been topics of important debate throughout the country. Within these debates, one of the greatest challenges has been how to discuss and propose ideas that increase the level of information of the entire population on these topics. This study aims to understand the levels of knowledge about financial education, the investor profile and the understanding of retirement among professors and students at the Federal University of Ceará – Sobral Campus. In order to achieve this objective, the technique used for data collection was an online questionnaire, applied to the target population. In addition to the social profile of the participants, the instrument sought to identify the respondents' perspectives on what they expect from retirement, knowledge of financial education, financial planning, as well as investments and debt. The results indicate that although students and professors have a reasonable knowledge of financial education and investments, the number of individuals who do not have long-term investments and who do not plan their finances, especially among students, is considerably high. Most of the interviewees agreed on the importance of having knowledge of financial education and having a financial plan, but a large percentage had not taken any courses on the subject and did not fully plan their finances. The survey also showed that efforts to disseminate knowledge of financial education and planning are still insufficient. Therefore, a change in perception is needed regarding the need to return to and encourage the study of financial education and financial planning from a young age. Therefore, the path to be taken in order to provide information and awareness to the population is long and for this to be possible, the commitment of the entire society is necessary Tipo: TCC Wed, 01 Jan 2025 00:00:00 GMT http://repositorio.ufc.br/handle/riufc/83347 2025-01-01T00:00:00Z http://repositorio.ufc.br/handle/riufc/83300 Título: Lares monoparentais e insegurança alimentar dos filhos: evidências para o Brasil Autor(es): Carvalho, Mara Oliveira Abstract: This study aimed to estimate the effects of socioeconomic variables on the levels of (in)food insecurity of children, with a focus on single-parent households. Additionally, two analyses of heterogeneous effects were conducted, considering both two-parent and single-parent households; among the latter, those led by women and those led by men. Based on data from the 2017-2018 Household Budget Survey, where food security was assessed using the Brazilian Food Insecurity Scale, the multinomial ordered logit method was applied. Descriptive results indicate that 54.9% of households were in a situation of food security (FS), while 45.1% of households experienced some degree of food insecurity (FI), with the highest prevalence of moderate/severe food insecurity being found in single-parent households. Through the marginal effects of the logit model, it was found that in two-parent households, female headship is associated with a higher probability of food insecurity. On the other hand, in single-parent households, those led by men show greater vulnerability to food insecurity. Thus, this study provides important insights to identify the challenges and opportunities in formulating public policies aimed at combating food insecurity Tipo: TCC Wed, 01 Jan 2025 00:00:00 GMT http://repositorio.ufc.br/handle/riufc/83300 2025-01-01T00:00:00Z http://repositorio.ufc.br/handle/riufc/83285 Título: Associação entre transparência e desenvolvimento nas regiões metropolitanas cearenses Autor(es): Silva, Lidenberg Rodrigues Abstract: Transparency is a prominent topic nowadays, as citizens demand more information about the application of public resources and the motivations behind governmental actions. Transparent governments are expected to promote efficient management and improve the population's quality of life, reflected in better socioeconomic indicators. This study examined the association between socioeconomic indicators, municipal management quality, and transparency. Data from 45 municipalities in Ceará, belonging to the metropolitan regions of Cariri, Fortaleza, and Sobral, were analyzed. Socioeconomic data were collected from official databases, and the Transparent Brazil Scale - 360° Assessment, from the Office of the Comptroller General, was applied to the municipalities. The Pearson correlation coefficient and Kendall's rank correlation coefficient were used to verify the association. The results showed a positive association between transparency, income, and municipal management quality; a positive association between transparency and health; and a negative association between transparency and education, the latter two contrary to expectations. The absence of correlations may discourage public officials from investing in transparency, given that public officials generally prioritize actions that yield immediate results. Further studies, including data time lag, are necessary to verify if there is a delay in the association, considering that institutional changes take time to show their effects Tipo: TCC Wed, 01 Jan 2025 00:00:00 GMT http://repositorio.ufc.br/handle/riufc/83285 2025-01-01T00:00:00Z http://repositorio.ufc.br/handle/riufc/83180 Título: Análise da substituição tributária do ICMS no estado do Ceará: impacto na tributação de um comércio varejista de materiais de construção no ano de 2022 Autor(es): Araujo, Luiz Davi de Abstract: Tax substitution has emerged as an essential strategy for decreasing tax evasion and raising ICMS income in Ceará, with direct implications for taxpayers. Therefore, understanding the norms and processes of this system is critical. This study looks at the financial and tax implications of tax substitution for the operations of a Ceará-based construction materials company. It focuses on three high-volume items and compares tax amounts collected using the tax substitution system to simulated computations under the non-cumulative ICMS regime. This quantitative and exploratory study uses bibliographic and documentary analysis, as well as a case study, and includes practical computations and tables to aid comprehension. The data show that, while tax substitution disadvantages taxpayers, it benefits the state of Ceará Tipo: TCC Wed, 01 Jan 2025 00:00:00 GMT http://repositorio.ufc.br/handle/riufc/83180 2025-01-01T00:00:00Z