Educação financeira: estudo comparativo entre Brasil, Alemanha, Estados Unidos e Holanda

Abstract

The work carried out arose from the need to improve the knowledge of the world population on an important subject that has not been so much explored, financial education. In fact, the population lacks of financial knowledge, which would contribute to lower indebtedness and better quality of life, since people would be less concerned with their financial situation, being safe and confident with their long-term plans. Poupança is preferred by one out of eight Brazilians, even though in recent years they have shown real negative results, while other investments are as safe as or as safe and more profitable. In addition, of every three Brazilians, one does not have a bank account. Through a bibliographic search, using national and international scientific articles, concepts of financial education and its premises were analyzed, for further situational deepening in different continents and countries, in order to observe and understand how the theme is dealt with in different cultures, realities and different purchasing powers. This theme is justified, based on the observation that the world population lacks basic knowledge of interest, inflation, numerical skills and risk diversification, according to international studies published in Germany, the United States and the Netherlands, chosen for their prominence in the research. [resumo fornecido pelo autor]