O ensino da educação financeira no ensino fundamental e médio: uma revisão de literatura

Abstract

Financial Education is the process through which individuals and society enhance their understanding of financial concepts and products, so that, with clear information, training, and guidance, they acquire the values and skills necessary to become aware of the opportunities and risks involved, and thus make well-informed decisions, know where to seek help, and take actions that improve their well-being, thereby contributing to the formation of responsible individuals and societies committed to the future. This study aimed to investigate how the teaching of financial education can contribute to the construction of knowledge and its applications in the daily lives of elementary and high school students. To achieve this, a bibliographic review was adopted as the technical procedure, analyzing previously published scientific works on the subject in question. The study mapped the scientific research listed in the following journals: Bolema: Boletim de Educação Matemática (online), Educação Matemática Pesquisa (online), and the Revista Internacional de Pesquisa em Educação Matemática (RIPEM), through a search using the descriptor “Financial Education.” In total, 30 scientific articles related to the topic were found, of which 11 were selected for presenting the greatest alignment with the research objectives. The study produced results that highlight the importance of financial education and financial planning in personal life, recognizing that financial education for the individual is of utmost relevance to achieve a better quality of life in both professional and family spheres, since those who know how to manage their expenses are better prepared to face other aspects of daily life. The authors also emphasize the importance of starting in childhood to learn how to plan finances in order to become a more responsible and financially aware adult.