Evidências dos impactos de um maior nível de Educação Financeira na vida das pessoas
Keywords:
Educação Financeira, Decisões financeiras, Utilização do dinheiro, Consumo e endividamentoAbstract
Os debates sobre Educação Financeira vêm recebendo maior atenção de pesquisadores de todo o mundo. Um dos aspectos de relevância diz respeito à verificação do impacto da posse de conhecimentos de Educação Financeira sobre a qualidade das decisões financeiras dos indivíduos. Nesse sentido, este trabalho tem por objetivo fazer uma compilação de pesquisas que buscaram verificar possíveis desdobramentos da Educação Financeira (ou falta dela) sobre a qualidade das decisões financeiras, a propensão ao consumo e ao endividamento, o uso de cartões de crédito e o comportamento de poupança e planejamento previdenciário. As pesquisas citadas demonstram que a falta de Educação Financeira tem fortes impactos no comportamento dos indivíduos quanto às decisões sobre produtos financeiros e propensão a endividamento. Demonstram também que a falta de conhecimento e de experiências com relação ao uso do dinheiro são fatores determinantes nas questões de tomada de decisão financeira e planejamento financeiro para as pessoas.
References
BANCO CENTRAL DO BRASIL. O que é cidadania financeira? Definição, papel dos atores e possíveis ações. BCB, 2018.
BERNHEIM, B. Douglas; GARRETT, Daniel M.. The effects of financial education in the workplace: evidence from a survey of households, Journal of public economics, v. 87, p. 1487-1519, 2003.
BEUTLER, I.; DICKSON, L. Consumer economic socialization. In J. J. Xiao, (Ed.), Handbook of Consumer Finance Research. NY: Springer, 2008.
BEVERLY, S. G.; BURKHALTER, E. K.. Improving the financial literacy and practices of youths. Children & Schools, 27(2), p. 121–124, 2005.
BRAUNSTEIN, S.; WELCH, C. Financial literacy: an overview of practice, research, and policy. Federal Reserve Bulletin, Nov. 2002.
CALVERT, Laurent; CAMPBELL, John; SODINI, Paolo. Down or out: Assessing the Welfare Costs of Household Investiment Mistakes. Working Paper, Harvard University, 2005.
CHEN, H.; VOLPE, R.P. An analysis of personal financial literacy among college students, Financial Services Review, 7 (2): 107-128, 1998.
COLE, S; SHASTRY, G.K.. If You Are So Smart, Why Aren’t You Rich? The Effects of Cognitive Ability, Education, and Financial Literacy on Financial Market Participation. Federal Reserve System Community Affairs Research Conference, WA, DC, 2008.
DOLVIN, S. D.; TEMPLETON, W. K. Financial education and asset allocation, Financial Services Review, 15, 133–149, 2006.
EDMINSTON, K. D.; GILLETT-FISHER, M. C.. Financial education at the workplace: Evidence from a survey of Federal Reserve Bank employees. Federal Reserve Bank of Kansas City Community Affairs Working Paper 06-02, 2006.
FERNANDES, D.; LYNCH JR. J.; NETEMEYER, R. Financial Literacy, Financial Education and Downstream Financial Behaviors. Disponível em: < http://ssrn.com/abstract=2333898> Acesso em: 20/01/2015.
FOX, J.; BARTHOLOMAE, S.; LEE, JINKOOK. Building the case for financial education. The Journal of Consumer Affairs, v. 39, n. 1, p. 195, Summer 2005.
GALE, W. G.; LEVINE, R.. Financial Literacy: What Works? How Could It Be More Effective?. First Annual Conference of the Financial Literacy Research Consortium, WA, DC, November 18, 2010.
GRIFONI, A.; MESSY, F.. Current Status of National Strategies for Financial Education: A Comparative Analysis and Relevant Practices, OECD Working Papers on Finance, Insurance and Private Pensions, No. 16, OECD Publishing, 2012.
HAYHOE, C.R.; LEACH, L.; TURNER, P.R.. Discriminating the number of credit cards held by college students using credit and money attitudes, Journal of Economic Psychology, 20, pp.643-656, 1999.
HATHAWAY, I.; KHATIWAD, S. Do Financial Education Programs Work? Federal Reserve Bank of Cleveland Working Paper, 2008.
HILGERT, M.; HOGARTH, J.; BEVERLY, S. Household financial management: the connection between knowledge and behavior. Federal Reserve Bulletin, Julho, 309–322, 2003.
HIRAD, Abdighani; ZORN, Peter M. A little bit of knowledge is a Good Thing: Empirical Evidence of the Effectiveness of Pre-purchase Homeownership Counseling, Freddie Mac, May 2001.
HOGARTH, J; HILGERT, M.; Schuchardt, J. Money Managers—The Good, the Bad, and the Lost, Association for Financial Counseling and Planning Education Conference, Scottsdale, Arizona, Nov. 2002.
KIM, Jinhee; KRATZER, Constance; LEECH, Irene. Impacts of Workplace Financial Education on Retirement Plans, in Jeanne M. Hogarth, ed., Proceedings of the 2001 Annual Conference of the Association for Financial Counseling and Planning Education, 2001.
KIMBALL, Miles; SHUMWAY, Tyler. Investor Sophistication and the Participation, Home Bias, Diversification and Employer Stock Puzzles. Mimeo, University of Michigan, 2006.
LUCCI, C. R.; ZERRENER, S. A.; VERRONE, M. A. G.; SANTOS, S. C.. A influência da educação financeira nas decisões de consumo e investimento dos indivíduos. In: Seminário em Administração, 9., São Paulo. Anais, 2006.
LUSARDI, A.; MITCHELL, O. S.. Financial literacy around the world: an overview. Journal of Pension Economics and Finance, 10(4), 2001.
LUSARDI, A. Financial literacy and the need for financial education: evidence and implications, Swiss Journal of Economics and Statistics, 2019.
LUSARDI, A; MITCHELL, O. S. Baby Boomer Retirement Security: The Role of Planning, Financial Literacy and Housing Wealth, Journal of Monetary Economics, 2006.
MANDELL, Lewis; KLEIN, Linda Schmid. The impact of financial literacy education on subsequent financial behavior, Journal of Financial Counseling and Planning, v.20, Issue 1, 2009.
MASON, Carolynne L.J.; WILSON, Richard M.S.. Conceptualising financial literacy. Occasional Paper, 2000:7. Loughborough: Business School, Loughborough University, 2000.
ORGANISATION FOR ECONOMIC CO-OPERATION AND DEVELOPMENT – OECD. Recommendation on principles and good practices for financial education and Awareness. Jul. 2005. Disponível em <http://www.oecd.org> Acesso em: 12/08/2023.
_____________________. Guidelines on Financial Education at school. 2012. Disponível em <http://www.oecd.org > Acesso em: 05/09/2023.
PISA. Financial Literacy Assessment Framework, 2012. Disponível em: <http://www.oecd.org > Acesso em: 05/09/2023.
ROBERTS, J.A.; JONES, E.. Money attitudes, credit card use and compulsive buying among college students, The Journal of Consumer Affairs, Vol. 35, No. 21, pp. 213-240, 2001.
SABRI, M.F.; MACDONALD, M.. Savings behavior and financial problems among students: the role of financial Literacy in Malaysia. Cross-Cultural Communication, Vol. 6, No. 3, pp. 103-110, 2010.
SERASA EXPERIAN. Indicador Serasa Experian de Demanda do Consumidor por Crédito. Disponível em <http://www.serasaexperian.com.br> Acesso em: 29/09/2023.
SOARES, F.P.; BENICÁ, B.; MANCIO, M.; ALMEIDA, V. Financial Literacy, savings behaviour and financial problems among college students in Brazil. EDULEARN12 Proceedings, 2012, p. 2599-2606, 2012.
SOHN, Sang-Hee; JOO, So-Hyun; GRABLE, John E.; LEE, Seonglim; KIM, Minjeung. Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth, Journal of Adolescence, 35, p. 969–980, 2012.
SOLHEIM, C.A.; ZUIKER, V. S.; LEVCHENKO, P. Financial Socialization Family pathways: reflections from college students’ narratives, Family Science Review, v. 16, Issue 2, 2011.
STELLA, B.; COSTA, C.E.; DUSI, C.; SOARES, F.P. Financial Literacy in Brazil: Use of money, consumption and savings behaviour among students of a public and a private school. ICERI2013 Proceedings, p. 2295-2302, 2013.
TAVARES, L.; SOARES, F.P.. Financial Education: a study on credit cards use and compulsive buying among college students. INTED2015 Proceedings, pp. 5999-6005, 2015.
VITT, L.A.. Consumers’ financial decisions and the psychology of values, Journal of Financial Service Professionals, Nov. 2004, p. 68-77.
WARWICK, J.; MANSFIELD, P. Credit card consumers: college students’ knowledge and attitude. Journal of consumer Marketing, Vol.17, No 7, pp. 617-626, 2000.
WILLIS, L. E.. Against financial literacy education, 94 Iowa L. Rev., pp. 197-285, 2008-2009.
_____________. Evidence and ideology in assessing the effectiveness of financial literacy education. San Diego Law Rev, 46(2) 415–58, 2009.
_____________. The financial education fallacy, American Economic Review: Papers and Proceedings, 101:3, 429–434, 2011.
