Financial education as a public policy in Brazil and its potential impacts on the family budget

Detalhes bibliográficos
Autor(a) principal: Ribeiro, Quetsia Dantas Magalhães
Data de Publicação: 2021
Outros Autores: Souza, Márcio Coutinho de, Vieira, Naldeir dos Santos, Mota, Raquel Cristina Lucas
Tipo de documento: Artigo
Idioma: por
Título da fonte: Research, Society and Development
Texto Completo: https://rsdjournal.org/index.php/rsd/article/view/18213
Resumo: Federal Decree n. 7397, of December 22, 2010, formalized the basic guidelines for financial education in Brazil. Based on the established guidelines, projects on financial education were created in order to make public policy on the subject in Brazil feasible. Thus, the purpose of this article is to reflect on financial education as a public policy in Brazil, analyzing whether the existence of projects that meet the basic guidelines of financial education promote awareness for optimizing the budget of Brazilian families. Through research results published on official websites of the Brazilian federal government and in scientific journals that address the subject, a qualitative theoretical research was carried out. The results show that although there is a need for financial education to be treated as a public policy, the projects arising from the guidelines provided for in the legislation are not capable of promoting, by themselves, direct changes in individual behavior with regard to care for the family budget.
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spelling Financial education as a public policy in Brazil and its potential impacts on the family budgetLa educación financiera como política pública en Brasil y sus potenciales impactos en el presupuesto familiarA educação financeira como política pública no Brasil e seus potenciais impactos no orçamento familiarFinancial EducationPublic policyFamily budget.Educación FinancieraPolítica públicaPresupuesto familiar.Educação FinanceiraPolítica PúblicaOrçamento familiar.Federal Decree n. 7397, of December 22, 2010, formalized the basic guidelines for financial education in Brazil. Based on the established guidelines, projects on financial education were created in order to make public policy on the subject in Brazil feasible. Thus, the purpose of this article is to reflect on financial education as a public policy in Brazil, analyzing whether the existence of projects that meet the basic guidelines of financial education promote awareness for optimizing the budget of Brazilian families. Through research results published on official websites of the Brazilian federal government and in scientific journals that address the subject, a qualitative theoretical research was carried out. The results show that although there is a need for financial education to be treated as a public policy, the projects arising from the guidelines provided for in the legislation are not capable of promoting, by themselves, direct changes in individual behavior with regard to care for the family budget.Decreto Federal n. 7397, del 22 de diciembre de 2010, formalizó los lineamientos básicos para la educación financiera en Brasil. Con base en los lineamientos establecidos, se crearon proyectos de educación financiera para viabilizar las políticas públicas sobre el tema en Brasil. Así, el propósito de este artículo es reflexionar sobre la educación financiera como política pública en Brasil, analizando si la existencia de proyectos que cumplen con los lineamientos básicos de la educación financiera promueven la conciencia para la optimización del presupuesto de las familias brasileñas. A través de resultados de investigación publicados en sitios web oficiales del gobierno federal brasileño y en revistas científicas que abordan el tema, se realizó una investigación teórica cualitativa. Los resultados muestran que si bien existe la necesidad de que la educación financiera sea tratada como una política pública, los proyectos que surgen de los lineamientos previstos en la legislación no son capaces de promover, por sí mismos, cambios directos en el comportamiento de las personas en materia de atención a la salud. el presupuesto familiar.O Decreto Federal n. 7.397, de 22 de dezembro de 2010, formalizou as diretrizes básicas de educação financeira no Brasil. A partir das diretrizes estabelecidas foram criados projetos sobre educação financeira a fim de viabilizar a política pública sobre o tema no Brasil. Assim, o objetivo deste artigo é refletir sobre a educação financeira como política pública no Brasil, analisando se a existência de projetos que atendam as diretrizes básicas de educação financeira promovem a conscientização para a otimização do orçamento das famílias brasileiras. Por meio de resultados de pesquisas publicadas em sites oficiais do governo federal brasileiro e em revistas científicas que abordem a temática, realizou-se uma pesquisa qualitativa de natureza teórica. Os resultados mostram que embora haja necessidade de a educação financeira ser tratada como política pública, os projetos advindos das diretrizes previstas na legislação não são capazes de promover, por si só, mudanças diretas no comportamento individual no que se refere aos cuidados com o orçamento familiar.Research, Society and Development2021-07-29info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://rsdjournal.org/index.php/rsd/article/view/1821310.33448/rsd-v10i9.18213Research, Society and Development; Vol. 10 No. 9; e43310918213Research, Society and Development; Vol. 10 Núm. 9; e43310918213Research, Society and Development; v. 10 n. 9; e433109182132525-3409reponame:Research, Society and Developmentinstname:Universidade Federal de Itajubá (UNIFEI)instacron:UNIFEIporhttps://rsdjournal.org/index.php/rsd/article/view/18213/16321Copyright (c) 2021 Quetsia Dantas Magalhães Ribeiro; Márcio Coutinho de Souza; Naldeir dos Santos Vieira; Raquel Cristina Lucas Motahttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessRibeiro, Quetsia Dantas Magalhães Souza, Márcio Coutinho de Vieira, Naldeir dos SantosMota, Raquel Cristina Lucas2021-09-12T14:28:06Zoai:ojs.pkp.sfu.ca:article/18213Revistahttps://rsdjournal.org/index.php/rsd/indexPUBhttps://rsdjournal.org/index.php/rsd/oairsd.articles@gmail.com2525-34092525-3409opendoar:2024-01-17T09:38:23.732959Research, Society and Development - Universidade Federal de Itajubá (UNIFEI)false
dc.title.none.fl_str_mv Financial education as a public policy in Brazil and its potential impacts on the family budget
La educación financiera como política pública en Brasil y sus potenciales impactos en el presupuesto familiar
A educação financeira como política pública no Brasil e seus potenciais impactos no orçamento familiar
title Financial education as a public policy in Brazil and its potential impacts on the family budget
spellingShingle Financial education as a public policy in Brazil and its potential impacts on the family budget
Ribeiro, Quetsia Dantas Magalhães
Financial Education
Public policy
Family budget.
Educación Financiera
Política pública
Presupuesto familiar.
Educação Financeira
Política Pública
Orçamento familiar.
title_short Financial education as a public policy in Brazil and its potential impacts on the family budget
title_full Financial education as a public policy in Brazil and its potential impacts on the family budget
title_fullStr Financial education as a public policy in Brazil and its potential impacts on the family budget
title_full_unstemmed Financial education as a public policy in Brazil and its potential impacts on the family budget
title_sort Financial education as a public policy in Brazil and its potential impacts on the family budget
author Ribeiro, Quetsia Dantas Magalhães
author_facet Ribeiro, Quetsia Dantas Magalhães
Souza, Márcio Coutinho de
Vieira, Naldeir dos Santos
Mota, Raquel Cristina Lucas
author_role author
author2 Souza, Márcio Coutinho de
Vieira, Naldeir dos Santos
Mota, Raquel Cristina Lucas
author2_role author
author
author
dc.contributor.author.fl_str_mv Ribeiro, Quetsia Dantas Magalhães
Souza, Márcio Coutinho de
Vieira, Naldeir dos Santos
Mota, Raquel Cristina Lucas
dc.subject.por.fl_str_mv Financial Education
Public policy
Family budget.
Educación Financiera
Política pública
Presupuesto familiar.
Educação Financeira
Política Pública
Orçamento familiar.
topic Financial Education
Public policy
Family budget.
Educación Financiera
Política pública
Presupuesto familiar.
Educação Financeira
Política Pública
Orçamento familiar.
description Federal Decree n. 7397, of December 22, 2010, formalized the basic guidelines for financial education in Brazil. Based on the established guidelines, projects on financial education were created in order to make public policy on the subject in Brazil feasible. Thus, the purpose of this article is to reflect on financial education as a public policy in Brazil, analyzing whether the existence of projects that meet the basic guidelines of financial education promote awareness for optimizing the budget of Brazilian families. Through research results published on official websites of the Brazilian federal government and in scientific journals that address the subject, a qualitative theoretical research was carried out. The results show that although there is a need for financial education to be treated as a public policy, the projects arising from the guidelines provided for in the legislation are not capable of promoting, by themselves, direct changes in individual behavior with regard to care for the family budget.
publishDate 2021
dc.date.none.fl_str_mv 2021-07-29
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/18213
10.33448/rsd-v10i9.18213
url https://rsdjournal.org/index.php/rsd/article/view/18213
identifier_str_mv 10.33448/rsd-v10i9.18213
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://rsdjournal.org/index.php/rsd/article/view/18213/16321
dc.rights.driver.fl_str_mv https://creativecommons.org/licenses/by/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv 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. 10 No. 9; e43310918213
Research, Society and Development; Vol. 10 Núm. 9; e43310918213
Research, Society and Development; v. 10 n. 9; e43310918213
2525-3409
reponame:Research, Society and Development
instname:Universidade Federal de Itajubá (UNIFEI)
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instacron_str UNIFEI
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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)
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