Logo PUC-Rio Logo Maxwell
ETDs @PUC-Rio
Estatística
Título: FINANCIAL EDUCATION DEBATES IN A CONTEXT OF FINANCIALIZATION OF DOMESTIC LIFE, INEQUALITIES AND FINANCIAL EXCLUSION
Autor: FABRICIO PEREIRA SOARES
Colaborador(es): MARCELO TADEU BAUMANN BURGOS - Orientador
Catalogação: 13/JUL/2017 Língua(s): PORTUGUESE - BRAZIL
Tipo: TEXT Subtipo: THESIS
Notas: [pt] Todos os dados constantes dos documentos são de inteira responsabilidade de seus autores. Os dados utilizados nas descrições dos documentos estão em conformidade com os sistemas da administração da PUC-Rio.
[en] All data contained in the documents are the sole responsibility of the authors. The data used in the descriptions of the documents are in conformity with the systems of the administration of PUC-Rio.
Referência(s): [pt] https://www.maxwell.vrac.puc-rio.br/projetosEspeciais/ETDs/consultas/conteudo.php?strSecao=resultado&nrSeq=30529&idi=1
[en] https://www.maxwell.vrac.puc-rio.br/projetosEspeciais/ETDs/consultas/conteudo.php?strSecao=resultado&nrSeq=30529&idi=2
DOI: https://doi.org/10.17771/PUCRio.acad.30529
Resumo:
Pressures to financially educate the population have been felt in many parts of the world, especially considering a scenario of greater complexity of financial decisions, consumerism, less provision of basic goods and services by the State and greater deregulation of the Financial System. For several authors, this scenario contributes to allow the financial world, with its motives and practices, to enter into the domestic sphere and to maximize a framework that has been called the financialization of economy. In this sense, the main objectives of this study were: (1) to investigate the process of financialization of domestic life and to characterize the emergence of debates on the subject of Financial Education as a result of this process; and (2) to understand the meaning of Financial Education in a financialized society, shaped by consumerism, greater population indebtedness and an increase in the complexity of financial decisions; a society where money occupies an increasingly important role as a driver of not only economic relations but also personal and social relations. An extensive bibliographical review was carried out on the financialization subject, followed by the search and compilation of data that allowed to affirm that this phenomenon is also present in the Brazilian economy. The thesis also presented a discussion about three profiles or postures arising from financialization: an active posture, of those who seek the opportunities to improve equity and consumption in the interaction with the financial market; a defensive one, typical of individuals who see in the financial system the possibility of filling the gap between what is earned and what should be earned in order not to lose the aimed standard of living, especially in face of lower provision of services by the State; and, finally, the position of those excluded by financialization, entitled of little or no interaction with the financial world, specially considering a scenario of inequalities and financial exclusion. This discussion became important in order to analyse the National Strategy of Financial Education (ENEF, in Portuguese), a public policy designed to financially educate Brazilian population and to ask to whom it is made for, given the context of inequality, exclusion and financialization. The work ends with a proposal for initiatives to think beyond Financial Education, aiming to change the direction of discussions focused only on the aspect of providing financial information to people and to point the debates on a new meaning for consumption and money in society and on a more effective regulation of the Financial System.
Descrição: Arquivo:   
COMPLETE PDF