Educação financeira: investigação com uma turma de 1º ano do Ensino Médio por meio de práticas colaborativas
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Data
2019-03
Autores
Orientador
Neide, Ítalo Gabriel
Banca
Neide, Ítalo Gabriel
Marchi, Miriam Ines
Giongo, Ieda Maria
Quartieri, Marli Teresinha
Kistemann Júnior, Marco Aurélio
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Resumo
Esta dissertação é fruto de muitas inquietações, de um profissional da educação básica do estado de Mato Grosso, preocupado com a preparação dos alunos na vivência de um mundo capitalista, onde frequentemente escutamos/lemos notícias sobre crises financeiras e não distante disso, colegas de trabalho expondo suas angústias com seus filhos, sobre os seus exageros financeiros. A partir destas situações, verifica-se a necessidade de abordar de uma forma diferenciada o tema “Educação Financeira”, que possui como objetivo geral investigar como oportunizar o processo de tomada de decisões financeiras de acordo com suas reais
condições e prioridades, harmonizando desejos e necessidades ao planejamento financeiro. Para operacionalizar a pesquisa dissertativa, elenquei os seguintes objetivos específicos: a) Discutir os possíveis impactos financeiros ocasionados pela influência dos grupos sociais na vida dos alunos; b) Verificar como ocorre o processo de tomada de decisões financeiras pelos jovens; c) Explorar conceitos da Matemática Financeira. No capítulo do referencial teórico buscou-se, discutir as compreensões do que é Educação Financeira, analfabetismo financeiro e as implicações do consumismo, a Matemática Financeira e ainda, um levantamento dos estudos anteriores, embasado em autores como: Cerbasi (2014), D'Aquino (2014), Capel e
Martins (2012), Theodoro (2015) e entre outros. Na terceira seção, contempla-se os procedimentos metodológicos, sendo que este trabalho foi caracterizado como uma pesquisa qualitativa, com procedimentos que se assemelham a um estudo de caso de Yin (2015). Referente ao público e o local de desenvolvimento da proposta, a mesma ocorreu com um grupo de 24 alunos do 1o Ano do Ensino Médio do período matutino de uma escola pública, no município de Vera/MT. A pesquisa foi organizada para 12 encontros, sendo 2 encontros semanais, a coleta de dados ocorreu por meio de gravação de áudios, observação, caderno de
campo do pesquisador, entrevista coletivas através de rodas de conversas e análise dos documentos produzidos, como pesquisa de preços e planilhas de custo. O processo de análise das evidências foi realizado através das três fases de Freitas e Jabbour (2011), sendo que a análise dos dados, foi dado de forma descritiva. Por fim, os resultados e as discussões sobre a atividade proposta, onde percebe-se o aprimoramento do processo de tomada de decisão financeira, o potencial alfabetizador financeiro, onde se reconhece, nas atitudes financeiras, a coerência do processo de tomada de decisão avaliando a diferença entre necessidade, desejos e bem-estar.
This dissertation is the result of many concerns of a professional of basic education in the state of Mato Grosso, concerned with the preparation of students in the experience of a capitalist world, where we often hear / read news about financial crises and not far from that, coworkers exposing their anguish with their children, about their financial exaggerations. From these situations, there is a need to approach in a different way the theme "Financial Education", whose general objective is to investigate how to make the financial decision- making process possible according to its real conditions and priorities, harmonizing desires and needs to financial planning. In order to operationalize the dissertation research, I highlight the following specific objectives: a) To discuss the possible financial impacts caused by the influence of social groups on the students' lives; b) To verify how the process of financial decision making by the youth occurs; c) Explore concepts of Financial Mathematics. In the chapter of the theoretical referential, we sought to discuss the understanding of Financial Education, financial illiteracy and the implications of consumerism, Financial Mathematics and also a survey of previous studies, based on authors such as: Cerbasi (2014), D ' Aquino (2014), Capel and Martins (2012), Theodoro (2015) and others. In the third section, methodological procedures are contemplated, and this work was characterized as a qualitative research, with procedures that resemble a case study of Yin (2015).Concerning the public and the place of development of the proposal, the same occurred with a group of 24 students of the 1 ST Year of High School in the morning of a public school, in the municipality of Vera / MT. The research was organized for 12 meetings, and 2 meetings a week, data collection took place through audio recording, observation, researcher's field notebook, collective interview through conversation wheels and analysis of produced documents, such as price survey and cost sheets. The process of analysis of the evidence was performed through the three phases of Freitas and Jabbour (2011), and the data analysis was given in a descriptive way. Finally, the results and the discussions about the proposed activity, where we can see the improvement of the financial decision-making process, the potential financial literacy, where financial consistency is recognized in the decision-making process by evaluating the difference between need, desires and well-being.
This dissertation is the result of many concerns of a professional of basic education in the state of Mato Grosso, concerned with the preparation of students in the experience of a capitalist world, where we often hear / read news about financial crises and not far from that, coworkers exposing their anguish with their children, about their financial exaggerations. From these situations, there is a need to approach in a different way the theme "Financial Education", whose general objective is to investigate how to make the financial decision- making process possible according to its real conditions and priorities, harmonizing desires and needs to financial planning. In order to operationalize the dissertation research, I highlight the following specific objectives: a) To discuss the possible financial impacts caused by the influence of social groups on the students' lives; b) To verify how the process of financial decision making by the youth occurs; c) Explore concepts of Financial Mathematics. In the chapter of the theoretical referential, we sought to discuss the understanding of Financial Education, financial illiteracy and the implications of consumerism, Financial Mathematics and also a survey of previous studies, based on authors such as: Cerbasi (2014), D ' Aquino (2014), Capel and Martins (2012), Theodoro (2015) and others. In the third section, methodological procedures are contemplated, and this work was characterized as a qualitative research, with procedures that resemble a case study of Yin (2015).Concerning the public and the place of development of the proposal, the same occurred with a group of 24 students of the 1 ST Year of High School in the morning of a public school, in the municipality of Vera / MT. The research was organized for 12 meetings, and 2 meetings a week, data collection took place through audio recording, observation, researcher's field notebook, collective interview through conversation wheels and analysis of produced documents, such as price survey and cost sheets. The process of analysis of the evidence was performed through the three phases of Freitas and Jabbour (2011), and the data analysis was given in a descriptive way. Finally, the results and the discussions about the proposed activity, where we can see the improvement of the financial decision-making process, the potential financial literacy, where financial consistency is recognized in the decision-making process by evaluating the difference between need, desires and well-being.
Descrição
Palavras-chave
Ensino Médio; Educação Financeira; Construção de Sonhos; Planejamento Financeiro; Tomada de Decisão; Financial Education; Construction of Dreams; Financial Illiteracy; Decision Making
Citação
SCHNEIDER, Tcharles. Educação financeira: investigação com uma turma de 1º ano do Ensino Médio por meio de práticas colaborativas. 2019. Dissertação (Mestrado) – Curso de Ensino de Ciências Exatas, Universidade do Vale do Taquari - Univates, Lajeado, 25 mar. 2019. Disponível em: http://hdl.handle.net/10737/2624.