Educação financeira: um estudo com alunos do terceiro ano do ensino médio de escolas públicas e particulares

Abstract

This paper presents a study related to Financial Education, accomplished with students of the third grade on High School, in the public and private sectors. It was taken as an example the survey carried out by Cássio Bordin Fabra, in 2015, at Universidade Federal de Santa Maria, discussing about “Financial Education and Decision-Making: A Study in the Light of Behavioral Finance”. This study aimed to verify the most influential factors to students of the third grade on High School, of the public and private sectors, on their financial decision to know their behavior in face of decision-making, in 2017. It is a descriptive and exploratory research, with a quantitative and qualitative approach, developed by the application of questionnaires. In general, all the factors on this study, listed by Behavioral Finances, end up influencing the students. However, income, aversion of risk and regret appear to be the biggest influential factors on financial decision-making, meanwhile the demographic variables’ factor was the less influential. This work sough association of variables to verify the relation between the respondents’ features and the studied factors. Through the obtained results in this research and the parallel made with the study accomplished by Fabra (2015), it is possible to infer that the individuals who have knowledge in the financial field, as the academics of Accounting Science examined by Fabra (2015), have less aversion of risk and less regrets, if compared to the students on High School.