Uma contribuição ao desenvolvimento da educação em finanças pessoais no Brasil

A Didactic Engineering for the development of the Amortization System theme using the HP 12C Calculator Emulator

“…According to Saito (2007), Financial Education is a theme that has started to arouse interest from International Organizations, among which stands out the Organization for Economic Cooperation and Development (OECD), which conceptualizes Financial Education as a process in which individuals improve their understanding about financial products and their concepts and risks, so that, from information about this area, they can develop the skills needed to make decisions. Saito (2007) mentions that Financial Education goes beyond the notion of being a simple instrument for obtaining financial information and advice, as it is a process that contributes to the development of knowledge and skills, transforming individuals into critical and informed citizens about financial services as well as prepared to manage their personal finances by avoiding being influenced by the media, often leading to rampant consumption and personal indebtedness.…”

“…8.000,00 10 800,00 In the development of this activity, it was sought that students develop the concept involved in the constant amortization system so that in professional or personal life situations use it or not, but knowing that this amortization system is constant throughout the period, that interest rates are decreasing, as well as the benefits also decrease, because as indicated by Sebstad and Cohen (2003), Saito (2007), Silva and Powell (2013), Oliveira and Pessoa (2016) it is important to make decisions, having so much mathematical knowledge, how much about finances.…”

Finanças Pessoais E Educação Financeira: O Perfil Dos Servidores Públicos De Um Munícipio Do Centro-Oeste Brasileiro

“…Obter êxito na gestão das finanças pessoais não está relacionado unicamente ao nível de recursos financeiros acumulados pelo indivíduo durante a vida, mas a capacidade de planejar a disponibilidade destes, para a realização de projetos pessoais e familiares (SAITO, 2014).…”

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“…No contexto educacional escolar, Saito (2007) já demonstrava preocupação desde uma década atrás acerca da lacuna do tema na escola: "Não há, especificamente, trabalhos sobre a implantação da Educação em Finanças Pessoais nos currículos nacionais" (SAITO, 2007, p. 7). Observação também de Araújo, ao destacar que "o tema não tem sido tratado com destaque pelos documentos oficiais nacionais, que estabelecem as políticas educativas no Brasil, dentre eles as Diretrizes Curriculares Nacionais para a Educação e os Parâmetros Curriculares Nacionais" (ARAÚJO, 2009, p. 75).…”