The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education

Detalhes bibliográficos
Autor(a) principal: Ancelmo, Lúcia Aparecida
Data de Publicação: 2022
Outros Autores: Freitas, Carlos Cesar Garcia
Tipo de documento: Artigo
Idioma: por
Título da fonte: Research, Society and Development
Texto Completo: https://rsdjournal.org/index.php/rsd/article/view/32282
Resumo: The difficulty in managing financial resources has led many Brazilians to indebtedness, as not everyone has the necessary knowledge to deal with money assertively. Added to this fact, the culture of consumption encourages consumerism, with endless desires and uncritical consumption, interfering with financial balance, acquiring goods that are not within the budget, which can lead to indebtedness. Financial Education, on the other hand, presents concepts and objectives against this problem, aiming at the balance of financial life, conscious consumption and savings. Thus, through qualitative research, a bibliographic survey was carried out considering the guiding question: How can Financial Education contribute to minimize the impacts of Consumerism and Indebtedness on society? The theoretical contributions Bauman (2001; 2008), Baudrillard (1985), Bourdieu (1983) and ENEF (2012), allowed a discussion of possible articulations between consumerism and indebtedness and the objectives of Financial Education in Schools, considering their contributions to consumption conscious and financial balance. It was inferred that Financial Education can contribute to the alleviation of problems with consumerism and indebtedness, using concepts and tools that stimulate skills and enable a reflective process on attitudes towards the balance of financial life.
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spelling The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial educationLa cultura del consumo y el endeudamiento excesivo: una discusión sobre posibles intervenciones de la educación financieraA cultura do consumo e o endividamento excessivo: uma discussão sobre possíveis intervenções da educação financeiraConsumismoEducación FinancieraEndeudamiento. ConsumerismFinancial EducationIndebtedness. ConsumismoEducação FinanceiraEndividamento. The difficulty in managing financial resources has led many Brazilians to indebtedness, as not everyone has the necessary knowledge to deal with money assertively. Added to this fact, the culture of consumption encourages consumerism, with endless desires and uncritical consumption, interfering with financial balance, acquiring goods that are not within the budget, which can lead to indebtedness. Financial Education, on the other hand, presents concepts and objectives against this problem, aiming at the balance of financial life, conscious consumption and savings. Thus, through qualitative research, a bibliographic survey was carried out considering the guiding question: How can Financial Education contribute to minimize the impacts of Consumerism and Indebtedness on society? The theoretical contributions Bauman (2001; 2008), Baudrillard (1985), Bourdieu (1983) and ENEF (2012), allowed a discussion of possible articulations between consumerism and indebtedness and the objectives of Financial Education in Schools, considering their contributions to consumption conscious and financial balance. It was inferred that Financial Education can contribute to the alleviation of problems with consumerism and indebtedness, using concepts and tools that stimulate skills and enable a reflective process on attitudes towards the balance of financial life.La dificultad en la gestión de los recursos financieros ha llevado a muchos brasileños al endeudamiento, ya que no todos tienen los conocimientos necesarios para manejar el dinero de forma asertiva. Sumado a este hecho, la cultura del consumo fomenta el consumismo, con deseos interminables y consumo acrítico, interfiriendo en el equilibrio financiero, adquiriendo bienes que no están dentro del presupuesto, lo que puede llevar al endeudamiento. La Educación Financiera, por su parte, presenta conceptos y objetivos frente a esa problemática, visando el equilibrio de la vida financiera, el consumo consciente y el ahorro. Así, a través de una investigación cualitativa, se realizó un levantamiento bibliográfico considerando la pregunta orientadora: ¿Cómo la Educación Financiera puede contribuir a minimizar los impactos del Consumismo y el Endeudamiento en la sociedad? Los aportes teóricos Bauman (2001; 2008), Baudrillard (1985), Bourdieu (1983) y ENEF (2012), permitieron discutir las posibles articulaciones entre el consumismo y el endeudamiento y los objetivos de la Educación Financiera en las Escuelas, considerando sus aportes al consumo consciente. y equilibrio financiero. Se infirió que la Educación Financiera puede contribuir al alivio de los problemas de consumismo y endeudamiento, utilizando conceptos y herramientas que estimulen habilidades y posibiliten un proceso reflexivo sobre actitudes frente al equilibrio de la vida financiera.A dificuldade em administrar recursos financeiros tem levado muitos brasileiros ao endividamento, pois nem todos possuem o conhecimento necessário para lidar com o dinheiro de maneira assertiva. Somado a esse fato, a cultura do consumo estimula o consumismo, com desejos intermináveis e no consumo acrítico, interferindo no equilíbrio financeiro, adquirindo bens que não estão dentro do orçamento, podendo levar ao endividamento. Já a Educação Financeira apresenta conceitos e objetivos de encontro a essa problemática, objetivando o equilíbrio da vida financeira, o consumo consciente e a poupança. Assim, por meio de pesquisa qualitativa realizou-se um levantamento bibliográfico considerando a questão norteadora: Como a Educação Financeira pode contribuir para minimizar os impactos do Consumismo e Endividamento na sociedade? Os aportes teóricos Bauman (2001; 2008), Baudrillard (1985), Bourdieu (1983) e ENEF (2012), possibilitaram uma discussão de possíveis articulações entre consumismo e endividamento e os objetivos da Educação Financeira nas Escolas, considerando suas contribuições para o consumo consciente e o equilíbrio financeiro. Inferiu-se que a Educação Financeira pode contribuir para a amenização dos problemas com o consumismo e o endividamento, utilizando conceitos e ferramentas que estimulem as habilidades e que viabilizem um processo reflexivo sobre as atitudes para o equilíbrio da vida financeira.Research, Society and Development2022-08-28info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://rsdjournal.org/index.php/rsd/article/view/3228210.33448/rsd-v11i11.32282Research, Society and Development; Vol. 11 No. 11; e444111132282Research, Society and Development; Vol. 11 Núm. 11; e444111132282Research, Society and Development; v. 11 n. 11; e4441111322822525-3409reponame:Research, Society and Developmentinstname:Universidade Federal de Itajubá (UNIFEI)instacron:UNIFEIporhttps://rsdjournal.org/index.php/rsd/article/view/32282/28599Copyright (c) 2022 Lúcia Aparecida Ancelmo; Carlos Cesar Garcia Freitashttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessAncelmo, Lúcia AparecidaFreitas, Carlos Cesar Garcia2022-09-05T13:24:46Zoai:ojs.pkp.sfu.ca:article/32282Revistahttps://rsdjournal.org/index.php/rsd/indexPUBhttps://rsdjournal.org/index.php/rsd/oairsd.articles@gmail.com2525-34092525-3409opendoar:2024-01-17T09:48:20.851081Research, Society and Development - Universidade Federal de Itajubá (UNIFEI)false
dc.title.none.fl_str_mv The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education
La cultura del consumo y el endeudamiento excesivo: una discusión sobre posibles intervenciones de la educación financiera
A cultura do consumo e o endividamento excessivo: uma discussão sobre possíveis intervenções da educação financeira
title The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education
spellingShingle The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education
Ancelmo, Lúcia Aparecida
Consumismo
Educación Financiera
Endeudamiento.
Consumerism
Financial Education
Indebtedness.
Consumismo
Educação Financeira
Endividamento.
title_short The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education
title_full The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education
title_fullStr The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education
title_full_unstemmed The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education
title_sort The culture of consumption and excessive indebtedness: a discussion on possible interventions of financial education
author Ancelmo, Lúcia Aparecida
author_facet Ancelmo, Lúcia Aparecida
Freitas, Carlos Cesar Garcia
author_role author
author2 Freitas, Carlos Cesar Garcia
author2_role author
dc.contributor.author.fl_str_mv Ancelmo, Lúcia Aparecida
Freitas, Carlos Cesar Garcia
dc.subject.por.fl_str_mv Consumismo
Educación Financiera
Endeudamiento.
Consumerism
Financial Education
Indebtedness.
Consumismo
Educação Financeira
Endividamento.
topic Consumismo
Educación Financiera
Endeudamiento.
Consumerism
Financial Education
Indebtedness.
Consumismo
Educação Financeira
Endividamento.
description The difficulty in managing financial resources has led many Brazilians to indebtedness, as not everyone has the necessary knowledge to deal with money assertively. Added to this fact, the culture of consumption encourages consumerism, with endless desires and uncritical consumption, interfering with financial balance, acquiring goods that are not within the budget, which can lead to indebtedness. Financial Education, on the other hand, presents concepts and objectives against this problem, aiming at the balance of financial life, conscious consumption and savings. Thus, through qualitative research, a bibliographic survey was carried out considering the guiding question: How can Financial Education contribute to minimize the impacts of Consumerism and Indebtedness on society? The theoretical contributions Bauman (2001; 2008), Baudrillard (1985), Bourdieu (1983) and ENEF (2012), allowed a discussion of possible articulations between consumerism and indebtedness and the objectives of Financial Education in Schools, considering their contributions to consumption conscious and financial balance. It was inferred that Financial Education can contribute to the alleviation of problems with consumerism and indebtedness, using concepts and tools that stimulate skills and enable a reflective process on attitudes towards the balance of financial life.
publishDate 2022
dc.date.none.fl_str_mv 2022-08-28
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://rsdjournal.org/index.php/rsd/article/view/32282
10.33448/rsd-v11i11.32282
url https://rsdjournal.org/index.php/rsd/article/view/32282
identifier_str_mv 10.33448/rsd-v11i11.32282
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://rsdjournal.org/index.php/rsd/article/view/32282/28599
dc.rights.driver.fl_str_mv Copyright (c) 2022 Lúcia Aparecida Ancelmo; Carlos Cesar Garcia Freitas
https://creativecommons.org/licenses/by/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2022 Lúcia Aparecida Ancelmo; Carlos Cesar Garcia Freitas
https://creativecommons.org/licenses/by/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Research, Society and Development
publisher.none.fl_str_mv Research, Society and Development
dc.source.none.fl_str_mv Research, Society and Development; Vol. 11 No. 11; e444111132282
Research, Society and Development; Vol. 11 Núm. 11; e444111132282
Research, Society and Development; v. 11 n. 11; e444111132282
2525-3409
reponame:Research, Society and Development
instname:Universidade Federal de Itajubá (UNIFEI)
instacron:UNIFEI
instname_str Universidade Federal de Itajubá (UNIFEI)
instacron_str UNIFEI
institution UNIFEI
reponame_str Research, Society and Development
collection Research, Society and Development
repository.name.fl_str_mv Research, Society and Development - Universidade Federal de Itajubá (UNIFEI)
repository.mail.fl_str_mv rsd.articles@gmail.com
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