A educação financeira na formação profissional e tecnológica

Abstract

In Brazil, studies on personal finances became more pertinent only after the effective economic measures to control inflation. The implementation of the Plano Real in 1994 restored the confidence of economic agents, making it possible for individuals to plan and organize their finances more effectively. However, besides the fact that personal finance principles are not taught to most of the population, little attention is given to the behavioral aspects involved in personal financial management. Consequently, research shows that indebtedness and default affect many Brazilian families. Thus, it is relevant to understand the relationship between knowledge, attitude, beliefs, and financial behavior of students of the subsequent technical courses of the Federal Institute of Education, Science and Technology of Brasilia (IFB), São Sebastião campus. To this end, this research of applied and descriptive nature with a quantitative and qualitative approach used the procedures of literature review and field research with the application of a questionnaire with students enrolled in the subsequent technical courses. The research obtained 83 valid answers, and the data analysis showed that women, younger people, and participants with no income have the worst levels of financial literacy. In addition, only 10.84% of the participants were classified with a high level of financial literacy. Given such results, a website on financial education was built as an educational product. The result of the study shows the relevance of the systematization and insertion of this knowledge in the school context so that students of professional education can keep up with the dynamics of society.