01. Universidade Federal Rural de Pernambuco - UFRPE (Sede)
URI permanente desta comunidadehttps://arandu.ufrpe.br/handle/123456789/1
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Resultados da Pesquisa
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.Item Relato de experiência de estágio no Procon Estadual de Pernambuco: a vulnerabilidade dos consumidores endividados através do uso do cartão de crédito(2020-11-09) Silva, Deiseane Ferreira da; Albuquerque, Hortência Cruz de; Melo, Juliana Cristina das Chagas de; http://lattes.cnpq.br/2650006090499628; http://lattes.cnpq.br/4316127961561473; http://lattes.cnpq.br/7601308386277941Item Os/as consumidores/as e o superendividamento: um estudo sobre as estratégias do Núcleo de Apoio ao Superendividado (NAS) em Recife/PE(2018-12-20) Oliveira, Irani Pereira de; Albuquerque, Hortência Cruz de; http://lattes.cnpq.br/4316127961561473Historically, the brazilian population has built an adverse relationship with the administration of personal finance. Long periods of economic crisis, low distribution of income and opportunities, delegated to families spending habits incompatible with the minimum income level of the country. The increased production of things, advance credit for your purchase and the creation of consumer culture, are some factors that support for the consolidation and the ebbing of a company "heavilyin debt". In contemporary times, the consumers even need to prove income to gain access to credit and thus acquire products and services, in addition, has operated as a means of signification and social inclusion. The facilitation of access to credit not brought with it financial education, which contributes to that families don't enjoy a improve quality of life, and thus trigger problems like: indebtedness, over-indebtedness, family conflicts, among others. Thus, this work was an experienced stage at the core of support for over-indebtedness and aims to analyze the main strategies for consumer education and consequences of over-indebtedness faced by the consumers who use the services. For this, a survey of exploratory and qualitative nature. As a conclusion that the problem of over-indebtedness is in addition to the lack of financial education and materializes from the precarious access to financial resources in addition to the incentives to an insatiable consumer culture that adds to property values, emotions, and sense of belonging.