Educação financeira nas escolas: uma nova fase na vida financeira a partir de escolhas conscientes

Abstract

The present study aims to portray the results of a research conducted on the importance of Financial Education in Basic Education according to the normative guidelines of the National Common Curricular Base (BNCC). Financial Education has the particularity of being an intrinsic subject to the lives of all individuals, deserving a prominent place when integrated into Basic Education. This enables the formation of future citizens who are consumers, producers of goods and services, and conscious of their social responsibility and contribution to the sustainable development of our planet. The study recalls a period when the country experienced a major economic crisis and financial instability due to hyperinflation. This event generated mistrust and uncertainty as daily salaries were losing their purchasing power. Subsequently, a theoretical foundation was sought to provide an understanding of the origin of money, given its importance in meeting material needs, ensuring economic stability, and being used wisely, thus underpinning our study. Knowledge of Financial Mathematics is also necessary for conducting analyses and simulations that facilitate certain choices and decision-making. The BNCC establishes the rules governing the New High School and includes Financial Education in its proposal as a cross-cutting theme that is interconnected with other subjects. The study on conscious consumption was conducted to demonstrate the outcome of sound Financial Education, which directly contributes to sustainability and social and economic equilibrium. Finally, a qualitative and exploratory research was carried out involving high school students, with the active participation of 30 students. Data was collected through the administration of a questionnaire containing questions related to Financial Education. The analysis and interpretation of the data are described in this work.