FINANCIAL EDUCATION IN SAVINGS DECISIONS: A CASE STUDY AT THE AUSÔNIO ARAÚJO MUNICIPAL SCHOOL IN CURRAIS NOVOS - RN
DOI:
https://doi.org/10.12662/2359-618xregea.v11i2.p93-109.2022Keywords:
financial education, savings, incomeAbstract
The study verified the influence of the teaching of financial education in saving decisions on the behavior of students of 5th-grade classes of the Ausônio Araújo Municipal School, based on the implementation of the extension project of the Federal University of Rio Grande do Norte, entitled “Education Financial in Schools”. The universe comprises 5th-grade classes, and the sample consisted of 180 students, with 45 participating in the project implemented in 2018 and 45 in 2019, and a control group with 45 not participating in the project in 2018 and 45 in 2019. For data analysis, a structured Likert scale questionnaire and Wilcoxon non-parametric mean difference test were used. The results suggest that the groups that participated in financial education classes in 2018 and 2019 had more knowledge regarding the answers to the propositions than the control group. The project is relevant and contributes to decision-making regarding the students' financial lives. However, concerning the domain of financial skills, the students had difficulties and limitations in decision making, highlighting the importance of further dialogue on the subject at home and in interpersonal relationships. In addition, there was a higher commitment and initiative from the Ministry of Education regarding the effective implementation of financial education in schools nationwide.
Downloads
Downloads
Published
How to Cite
Issue
Section
License
AGREEMENT FOR THE CESSION OF AUTHOR’S RIGHTS
Through the present instrument, on the one hand, CENTRO UNIVERSITÁRIO CHRISTUS – UNICHRISTUS, henceforth referred to only as UNICHRISTUS, and, on the other,
1) Name _________________________________, ID number _______________________________,
2) Name _________________________________,ID number _______________________________,
3) Name _________________________________,ID number _______________________________,
4) Name _________________________________,ID number _______________________________,
5) Name _________________________________,ID number _______________________________,
henceforth referred to only as AUTHOR of the academic article whose title is ______________________________________, agree, in the best legal form, what follows:
ARTICLE FIRST – ON THE CESSION
The AUTHOR, their heirs and successors, in the terms of art. 49 of Law 9.610/98, cede the WORK for reproduction, publicizing, distribution, printing and publication by UNICHRISTUS, in any form or mean that exists or may come to exist.
Paragraph One. The aforementioned cession is non-exclusive and gratuitous, encompassing the totality of the WORK.
Paragraph Two. UNICHRISTUS may make the WORK available, in part or in total, for academic purposes, and is prohibited from altering its content, except for formal corrections that may be necessary.
Paragraph Three. The cession is valid in all countries, for versions in Portuguese or any translations to other languages, as UNICHRISTUS sees fit.
Paragraph Four. The original manuscript shall be delivered in the form indicated by UNICHRISTUS.
ARTICLE TWO – ON THE RESPONSIBILITIES
The AUTHOR declares that the WORK is theirs and is previously unpublished and is responsible for its contents and form, citations, references and other elements that compose it, having delivered it, when signing the present document, with the necessary language and methodology revision. As such, any judicial or extrajudicial measures relating to the content are of their entire responsibility.
Paragraph One. The AUTHOR declares there is no tacit prohibition attached to the publicizing of the WORK, and that it is free of any onus or impediments before Brazilian law.
Paragraph Two. Any burden relating to eviction belongs to the AUTHOR, who will also be responsible for compensating UNICHRISTUS, in case it is harmed by any judicial or extrajudicial means relating to the content of the work.
Paragraph Three. In case the work has multiple authors, they will be responsible in solidarity, except when proven otherwise.
ARTICLE THREE – ON JUDICIAL REPRESENTATION
The AUTHOR hereby constitutes UNICHRISTUS as their representative, thus authorizing it to act judicially or extra judicially on their behalf in cases relating to attacks against the WORK, be it by illegal reproduction, fraudulent edition or any form that constitutes an assault to intellectual property.
ARTICLE FOUR – FORUM
The parties hereby elect the forum of Fortaleza, in the state of Ceará, and renounce all others, as advantageous as they may be.
And because they deem the current agreement to be fair and just, the parties sign the present document in two copies.
Fortaleza, Ceará, on this ___ day of __________, 20__.
1) __________________________________________
2) __________________________________________
3) __________________________________________
4) __________________________________________
5) __________________________________________
Representing Centro Universitário Christus – UNICHRISTUS:
__________________________________________
