Análise do comportamento financeiro sob a ótica das finanças tradicionais e comportamentais: Um estudo de caso com os professores da rede municipal de Dona Inês PB

Abstract

Given the economic predictability of Brazilian families and the importance of personal finance, this study aims to address financial behavior through a case study with public school teachers in the municipality of Dona Inês – PB, Brazil. The purpose is to understand the traditional financial theory and its relevance to the construction of behavioral finance; to analyze the financial knowledge of the studied group and how cognitive biases influence their decision-making; and finally, to discuss the increasing relevance of financial education in Brazil, proposing dissemination techniques. Thus, the research adopted a quantitative approach using a structured questionnaire and the Survey method, with a descriptive statistical analysis of the data performed using SPSS. The results were relevant in elucidating the presence of cognitive biases in decision-making, particularly loss aversion, which was more intense when attributed to concrete factors. Furthermore, the sample showed difficulty in complex financial matters, with a low percentage of correct answers, despite a good level of financial self-control. Thus, it is implied that despite the qualification and basic knowledge of finance, the practical application of this knowledge is necessary. Therefore, the implementation of an educational program is suggested to financially raise awareness of individuals' financial decisions in the pursuit of financial well-being.