Finanças pessoais: uma análise sobre a influência cultural e parental na tomada de decisão de indivíduos do Município de João Pessoa/PB

Abstract

Given the perception lack of investment in Financial Education in the school scenery, and the perception of the few (or lack of) worry from the parents related to the teaching of the conscious use of the money with their children, this research aimed to analyze the financial education from high school seniors and how the cultural and parental issues affect them on their decision, in the city of João Pessoa, from their perspective. To do so, a descriptive research was realized and a field study was carried out, using a questionnaire to the data collection for a sample of 14 schools with 262 students. The results revealed that, related to the parental influence, the piggy bank used by parents in the childhood is a good way to teach savings and that the ways that parents use their own money can reflect on them to become consumers in the future. About the cultural influence, it is stated that if there were a discipline of Financial Education since elementary school, today they would be better prepared to manage their personal finances. In addition, they believe that Brazil’s historical past has contributed to the bad planning of current finances. It was concluded, from the students surveyed, that Financial Education, whether at school or at home, has much to evolve since a lot of students were not able to answer simple finance questions, predominating more the parental influence than the cultural one in the financial knowledge of the same ones.