Navegando por Autor "EVAIR PAULO SANTOS DE JESUS"

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    A PROBLEMÁTICA DA EDUCAÇÃO FINANCEIRA NA VIDA DOS JOVENS ADULTOS BRASILEIROS
    (2025) EVAIR PAULO SANTOS DE JESUS; FELIPE SANTOS FULIOTO; BRUNO VENANCIO DE SOUZA
    Brazil faces a significant struggle against indebtedness. A high percentage of the population currently carries debt, which raises several questions about Brazilians’ financial decisions and their quality of life. The absence of formal financial education in the basic school curriculum perpetuates a vicious cycle among generations of defaulters. With the aim of understanding how financial decisions are made, this research focuses on analyzing the impacts of the lack of formal financial education on the lives of young adults. To achieve this goal, a literature review was conducted using renowned authors in the field, along with a quantitative survey of young adults aged 18 to 29, to identify their level of knowledge, degree of indebtedness, and methods of financial control. The data analyzed indicate that a significant portion of this population has active debts, reflecting weaknesses in personal financial management practices. Among the main drivers of indebtedness, revolving credit instruments stand out, especially credit cards. Furthermore, the way these individuals manage their expenses reveals important limitations, as a considerable part of the sample still relies on informal methods, such as mentally tracking expenses, which compromises broader financial organization and planning. Thus, it is concluded that the absence of formal financial education negatively affects financial decisionmaking. Without proper guidance, making the right choices about money becomes extremely difficult