TCC - Bacharelado em Ciências Econômicas (Sede)
URI permanente para esta coleçãohttps://arandu.ufrpe.br/handle/123456789/418
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Resultados da Pesquisa
Item O viés da disponibilidade nas decisões de investimento dos indivíduos(2024-03-04) Brito Neto, José Heleno de; Maia Filho, Luiz Flávio Arreguy; http://lattes.cnpq.br/2508376486299377The present monograph investigates the impact of the availability bias on individuals' investment decisions, aiming to understand to what extent and by which means financial education can mitigate the adverse effects of these decisions. Initially, we retrieve concepts from behavioral economics and contextualize the situation of financial literacy in Brazil. Through a literature review, we seek to understand the role of the availability bias in investment decisions, analyzing case studies and research that address its influence in different economic contexts. Using an analytical-deductive method, we explore strategies and techniques that can be employed to minimize the negative impact of this bias, aiming to improve financial decision-making. Data collection and selection involved a systematic review of academic sources, prioritizing articles in Portuguese between 2018 and 2023. Six articles were selected, focusing on Brazilian case studies. The studies analyzed reveal that the availability bias significantly influences individuals' investment decisions, especially among the younger and less experienced. Information about the recent appreciation of financial assets, widely disseminated on social media platforms and influenced by digital influencers, has been shown to be a determining factor in investment choices. Lack of understanding of associated risks and the tendency to seek alternative assets were also highlighted as significant concerns.Item O papel da educação financeira para a juventude: estratégias de construção de uma relação saudável com o dinheiro(2023-09-15) Souza, Thayná Valesca Ramos de; Oliveira, Isabel Cristina Pereira de; http://lattes.cnpq.br/4745142041015422; http://lattes.cnpq.br/2071420323826118The objective of this work is to present the role of financial education for youth through a training program for high school students as a strategy to promote a healthy relationship with money. The research method used in the study was qualitative and exploratory. Bibliographic research was employed for data and information collection. In the conducted research, it was observed that the indebtedness of young people in Brazil is increasing, and financial education can help reduce this indicator. Furthermore, based on the evaluation of the pilot project on financial education for high school students, it yielded relatively better results when compared to the control groups. The research results conclude that financial education is a highly relevant topic for high school students and is indispensable in shaping young individuals who are conscious of everything related to the financial system. Therefore, it is evident that financial education taught to young people in schools provides the necessary information so that in the near future, they not only gain clarity and balance in managing their family budgets but also acquire knowledge that leads to financial independence.Item Crédito, endividamento e inadimplência no Brasil: uma análise para o período de 2013 a 2023(2023-09-11) Lima, Renato Oliveira Lopes de; Gomes, Sónia Maria Fonseca Pereira Oliveira; http://lattes.cnpq.br/9795791528582607; http://lattes.cnpq.br/7185808287510736This monograph aimed to analyze the evolution of credit, debt and default in Brazil between 2013 and 2023, and highlight the benefits of financial education. To achieve this objective, the methodology used was bibliographical research and secondary data obtained from the Consumer Debt and Default Survey (Peic). The literature review shows that there was an expansion of credit during this period, stimulating the consumption of Brazilian families. This increase in consumption resulted in excessive debt. The data showed that the level of family debt grew during this period, reaching a record percentage in 2022. The research also showed that the families most affected by default are those with lower incomes and those with a low educational level. Furthermore, data from the International Student Assessment Program (Pisa) showed that Brazil had the worst performance among the participating countries, in which 53% of Brazilian students were below the minimum level of financial knowledge. Financial education is the process of learning and developing skills to deal with money intelligently and responsibly and manage investments, loans and financing. Therefore, the lack of financial education in Brazil has a direct impact on the lack of control over the debts of Brazilian families. Therefore, financial education is an important tool for people to acquire financial skills and effectively manage their finances, resulting in a reduction in excessive debt and default.