Planilhas eletrônicas no Ensino de Matemática financeira : uma abordagem contemporânea alinhada à BNCC

Abstract

Financial mathematics holds a prominent position in the National Common Curricular Base (BNCC), recognized as fundamental for the full exercise of citizenship and the comprehensive education of students. However, despite its importance and the approval of the document since 2018, challenges persist: low proficiency rates in mathematics, high levels of household debt, and the population's vulnerability to financial fraud. These problems highlight the need for a more effective and reality-connected approach in schools. This dissertation aims to present a pedagogical proposal for teaching financial mathematics that combines conceptual rigor with practical and everyday applications, aiming to align with the competencies and skills outlined in the BNCC for elementary and high school education. Topics such as percentages, simple and compound interest, percentage variation, inflation, and financial planning are explored, emphasizing the use of spreadsheets as a pedagogical tool. In addition to facilitating calculations and visualizations, spreadsheets promote computational thinking and familiarity with technologies, which are essential in contemporary society. The work seeks not only to develop technical skills but also to encourage critical thinking and conscious decision-making. By proposing activities that connect mathematical concepts to everyday life, it aims to support educators in creating more meaningful teaching practices, capable of preparing students for socio-economic and technological challenges. As a future development, there are plans to apply these proposals in practical classes and formalize the results in scientific studies, contributing to the advancement of educational practices.