Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr
Ano de defesa: | 2021 |
---|---|
Autor(a) principal: | |
Orientador(a): | |
Banca de defesa: | , , |
Tipo de documento: | Dissertação |
Tipo de acesso: | Acesso aberto |
Idioma: | por |
Instituição de defesa: |
Universidade Estadual do Oeste do Paraná
Toledo |
Programa de Pós-Graduação: |
Programa de Pós-Graduação em Economia
|
Departamento: |
Centro de Ciências Sociais Aplicadas
|
País: |
Brasil
|
Palavras-chave em Português: | |
Palavras-chave em Inglês: | |
Área do conhecimento CNPq: | |
Link de acesso: | https://tede.unioeste.br/handle/tede/6672 |
Resumo: | This study aimed to analyze the perception of the Financial Education theme by young Catholics, participants in youth groups in the Diocese of Toledo-PR. Specifically, we sought to i) describe the socioeconomic characteristics of young Catholics in the Diocese of Toledo; ii) verify the level of financial well-being of the group of individuals analyzed in the research; iii) to identify the presence of heuristics and behavioral biases in the choices regarding the finances of the young people surveyed iv) investigate whether the young people surveyed have performed activities related to finance in their weekly meetings.For this purpose, primary data were used, which were collected through the application of questionnaires and semi-structured interviews. The analyzes were performed using descriptive statistics tools and the calculation of the level of financial well-being of the young people surveyed according to the methodology developed by the Consumer Financial Protection Bureau (CFPB). As a result, it was found that the average level of financial well-being of the young people surveyed was 55 points, higher than the national average of 47 points identified by the SPC survey (2019).With regard to heuristics and behavioral biases, their influence on the choices of youths and the fact that young people with higher degrees of financial well-being tend to make less biased decisions were observed. Finally, from the interviews, it was observed that the groups of young Catholics are configured as favorable spaces for holding discussions on finance. It was concluded, therefore, that an educational work aimed at young people is necessary for the responsible use of their financial resources. |
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Pontili, Rosangela Mariahttp://lattes.cnpq.br/2484451282332686Pieruccini, Mariângela Alicehttp://lattes.cnpq.br/1922489935953351Pieruccini, Mariângela Alicehttp://lattes.cnpq.br/1922489935953351Azevedo, Paulo Robertohttp://lattes.cnpq.br/5078621200157941Izepão, Rosalina Limahttp://lattes.cnpq.br/4305897719555873http://lattes.cnpq.br/8621970648959196Alves, Ana Carolina Fernandes2023-06-01T17:49:39Z2021-08-04ALVES, Ana Carolina Fernandes. Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr. 2021. 173 f. Dissertação (Mestrado em Economia) - Universidade Estadual do Oeste do Paraná, Toledo, 2021.https://tede.unioeste.br/handle/tede/6672This study aimed to analyze the perception of the Financial Education theme by young Catholics, participants in youth groups in the Diocese of Toledo-PR. Specifically, we sought to i) describe the socioeconomic characteristics of young Catholics in the Diocese of Toledo; ii) verify the level of financial well-being of the group of individuals analyzed in the research; iii) to identify the presence of heuristics and behavioral biases in the choices regarding the finances of the young people surveyed iv) investigate whether the young people surveyed have performed activities related to finance in their weekly meetings.For this purpose, primary data were used, which were collected through the application of questionnaires and semi-structured interviews. The analyzes were performed using descriptive statistics tools and the calculation of the level of financial well-being of the young people surveyed according to the methodology developed by the Consumer Financial Protection Bureau (CFPB). As a result, it was found that the average level of financial well-being of the young people surveyed was 55 points, higher than the national average of 47 points identified by the SPC survey (2019).With regard to heuristics and behavioral biases, their influence on the choices of youths and the fact that young people with higher degrees of financial well-being tend to make less biased decisions were observed. Finally, from the interviews, it was observed that the groups of young Catholics are configured as favorable spaces for holding discussions on finance. It was concluded, therefore, that an educational work aimed at young people is necessary for the responsible use of their financial resources.Este estudo objetivou analisar a percepção do tema Educação Financeira por parte de Jovens Católicos, participantes de grupos de jovens da Diocese de Toledo-PR. Especificamente buscou-se i) descrever as características socioeconômicas dos jovens católicos da Diocese de Toledo; ii) verificar o nível de bem-estar financeiro dos sujeitos da pesquisa; iii) identificar a presença de heurísticas e vieses comportamentais nas escolhas referentes às finanças dos jovens pesquisados; iv) investigar se os jovens pesquisados têm realizado atividades relacionadas às finanças em seus encontros semanais. Para tanto, utilizou-se dados primários que foram coletados através da aplicação de questionários e da realização de entrevistas semiestruturadas. As análises utilizaram ferramentas da estatística descritiva e o cálculo do nível de bem-estar financeiro dos jovens pesquisados de acordo com a metodologia desenvolvida pelo Consumer Financial Protection Bureau (CFPB). Com isso, verificou-se que o nível médio de bem-estar financeiro dos jovens pesquisados era de 55 pontos, sendo superior à média nacional de 47 pontos identificada por pesquisa do SPC (2019). No que diz respeito às heurísticas e vieses comportamentais constatou-se sua influência nas escolhas das juventudes e o fato de que jovens com maiores graus de bem-estar financeiro tendem a tomar decisões menos enviesadas. Por fim, a partir das entrevistas, observou-se que os grupos de jovens católicos configuram-se como espaços favoráveis para a realização de discussões sobre finanças. Concluiu-se, assim, que se fazem necessárias ações educacionais voltadas às juventudes para o uso responsável de seus recursos financeiros.Submitted by Marilene Donadel (marilene.donadel@unioeste.br) on 2023-06-01T17:49:39Z No. of bitstreams: 1 Ana_Fernandes_Alves_2021.pdf: 2626712 bytes, checksum: d8eeab552d8c2b5252d854e150e0e287 (MD5)Made available in DSpace on 2023-06-01T17:49:39Z (GMT). No. of bitstreams: 1 Ana_Fernandes_Alves_2021.pdf: 2626712 bytes, checksum: d8eeab552d8c2b5252d854e150e0e287 (MD5) Previous issue date: 2021-08-04Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPESapplication/pdfpor-2624803687637593200500Universidade Estadual do Oeste do ParanáToledoPrograma de Pós-Graduação em EconomiaUNIOESTEBrasilCentro de Ciências Sociais AplicadasEducação financeiraJuventudes católicasBem-estar financeiroHeurísticas e vieses comportamentaisToledo-PRFinancial well-beingFinancial planningCatholic youth groupsHeuristics and behavioral biasesCIENCIAS SOCIAIS APLICADAS::ECONOMIAEducação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-PrFinancial education and youth: analysis of the well-being an financial behaviors of young catholics in the Diocese of Toledo - Prinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesis-15453328537787102636006006006008872935161184826606-25049033926000988222075167498588264571info:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações do UNIOESTEinstname:Universidade Estadual do Oeste do Paraná (UNIOESTE)instacron:UNIOESTEORIGINALAna_Fernandes_Alves_2021.pdfAna_Fernandes_Alves_2021.pdfapplication/pdf2626712http://tede.unioeste.br:8080/tede/bitstream/tede/6672/2/Ana_Fernandes_Alves_2021.pdfd8eeab552d8c2b5252d854e150e0e287MD52LICENSElicense.txtlicense.txttext/plain; charset=utf-82165http://tede.unioeste.br:8080/tede/bitstream/tede/6672/1/license.txtbd3efa91386c1718a7f26a329fdcb468MD51tede/66722023-06-01 14:49:39.843oai:tede.unioeste.br:tede/6672Tk9UQTogQ09MT1FVRSBBUVVJIEEgU1VBIFBSw5NQUklBIExJQ0VOw4dBCkVzdGEgbGljZW7Dp2EgZGUgZXhlbXBsbyDDqSBmb3JuZWNpZGEgYXBlbmFzIHBhcmEgZmlucyBpbmZvcm1hdGl2b3MuCgpMSUNFTsOHQSBERSBESVNUUklCVUnDh8ODTyBOw4NPLUVYQ0xVU0lWQQoKQ29tIGEgYXByZXNlbnRhw6fDo28gZGVzdGEgbGljZW7Dp2EsIHZvY8OqIChvIGF1dG9yIChlcykgb3UgbyB0aXR1bGFyIGRvcyBkaXJlaXRvcyBkZSBhdXRvcikgY29uY2VkZSDDoCBVbml2ZXJzaWRhZGUgClhYWCAoU2lnbGEgZGEgVW5pdmVyc2lkYWRlKSBvIGRpcmVpdG8gbsOjby1leGNsdXNpdm8gZGUgcmVwcm9kdXppciwgIHRyYWR1emlyIChjb25mb3JtZSBkZWZpbmlkbyBhYmFpeG8pLCBlL291IApkaXN0cmlidWlyIGEgc3VhIHRlc2Ugb3UgZGlzc2VydGHDp8OjbyAoaW5jbHVpbmRvIG8gcmVzdW1vKSBwb3IgdG9kbyBvIG11bmRvIG5vIGZvcm1hdG8gaW1wcmVzc28gZSBlbGV0csO0bmljbyBlIAplbSBxdWFscXVlciBtZWlvLCBpbmNsdWluZG8gb3MgZm9ybWF0b3Mgw6F1ZGlvIG91IHbDrWRlby4KClZvY8OqIGNvbmNvcmRhIHF1ZSBhIFNpZ2xhIGRlIFVuaXZlcnNpZGFkZSBwb2RlLCBzZW0gYWx0ZXJhciBvIGNvbnRlw7pkbywgdHJhbnNwb3IgYSBzdWEgdGVzZSBvdSBkaXNzZXJ0YcOnw6NvIApwYXJhIHF1YWxxdWVyIG1laW8gb3UgZm9ybWF0byBwYXJhIGZpbnMgZGUgcHJlc2VydmHDp8Ojby4KClZvY8OqIHRhbWLDqW0gY29uY29yZGEgcXVlIGEgU2lnbGEgZGUgVW5pdmVyc2lkYWRlIHBvZGUgbWFudGVyIG1haXMgZGUgdW1hIGPDs3BpYSBhIHN1YSB0ZXNlIG91IApkaXNzZXJ0YcOnw6NvIHBhcmEgZmlucyBkZSBzZWd1cmFuw6dhLCBiYWNrLXVwIGUgcHJlc2VydmHDp8Ojby4KClZvY8OqIGRlY2xhcmEgcXVlIGEgc3VhIHRlc2Ugb3UgZGlzc2VydGHDp8OjbyDDqSBvcmlnaW5hbCBlIHF1ZSB2b2PDqiB0ZW0gbyBwb2RlciBkZSBjb25jZWRlciBvcyBkaXJlaXRvcyBjb250aWRvcyAKbmVzdGEgbGljZW7Dp2EuIFZvY8OqIHRhbWLDqW0gZGVjbGFyYSBxdWUgbyBkZXDDs3NpdG8gZGEgc3VhIHRlc2Ugb3UgZGlzc2VydGHDp8OjbyBuw6NvLCBxdWUgc2VqYSBkZSBzZXUgCmNvbmhlY2ltZW50bywgaW5mcmluZ2UgZGlyZWl0b3MgYXV0b3JhaXMgZGUgbmluZ3XDqW0uCgpDYXNvIGEgc3VhIHRlc2Ugb3UgZGlzc2VydGHDp8OjbyBjb250ZW5oYSBtYXRlcmlhbCBxdWUgdm9jw6ogbsOjbyBwb3NzdWkgYSB0aXR1bGFyaWRhZGUgZG9zIGRpcmVpdG9zIGF1dG9yYWlzLCB2b2PDqiAKZGVjbGFyYSBxdWUgb2J0ZXZlIGEgcGVybWlzc8OjbyBpcnJlc3RyaXRhIGRvIGRldGVudG9yIGRvcyBkaXJlaXRvcyBhdXRvcmFpcyBwYXJhIGNvbmNlZGVyIMOgIFNpZ2xhIGRlIFVuaXZlcnNpZGFkZSAKb3MgZGlyZWl0b3MgYXByZXNlbnRhZG9zIG5lc3RhIGxpY2Vuw6dhLCBlIHF1ZSBlc3NlIG1hdGVyaWFsIGRlIHByb3ByaWVkYWRlIGRlIHRlcmNlaXJvcyBlc3TDoSBjbGFyYW1lbnRlIAppZGVudGlmaWNhZG8gZSByZWNvbmhlY2lkbyBubyB0ZXh0byBvdSBubyBjb250ZcO6ZG8gZGEgdGVzZSBvdSBkaXNzZXJ0YcOnw6NvIG9yYSBkZXBvc2l0YWRhLgoKQ0FTTyBBIFRFU0UgT1UgRElTU0VSVEHDh8ODTyBPUkEgREVQT1NJVEFEQSBURU5IQSBTSURPIFJFU1VMVEFETyBERSBVTSBQQVRST0PDjU5JTyBPVSAKQVBPSU8gREUgVU1BIEFHw4pOQ0lBIERFIEZPTUVOVE8gT1UgT1VUUk8gT1JHQU5JU01PIFFVRSBOw4NPIFNFSkEgQSBTSUdMQSBERSAKVU5JVkVSU0lEQURFLCBWT0PDiiBERUNMQVJBIFFVRSBSRVNQRUlUT1UgVE9ET1MgRSBRVUFJU1FVRVIgRElSRUlUT1MgREUgUkVWSVPDg08gQ09NTyAKVEFNQsOJTSBBUyBERU1BSVMgT0JSSUdBw4fDlUVTIEVYSUdJREFTIFBPUiBDT05UUkFUTyBPVSBBQ09SRE8uCgpBIFNpZ2xhIGRlIFVuaXZlcnNpZGFkZSBzZSBjb21wcm9tZXRlIGEgaWRlbnRpZmljYXIgY2xhcmFtZW50ZSBvIHNldSBub21lIChzKSBvdSBvKHMpIG5vbWUocykgZG8ocykgCmRldGVudG9yKGVzKSBkb3MgZGlyZWl0b3MgYXV0b3JhaXMgZGEgdGVzZSBvdSBkaXNzZXJ0YcOnw6NvLCBlIG7Do28gZmFyw6EgcXVhbHF1ZXIgYWx0ZXJhw6fDo28sIGFsw6ltIGRhcXVlbGFzIApjb25jZWRpZGFzIHBvciBlc3RhIGxpY2Vuw6dhLgo=Biblioteca Digital de Teses e Dissertaçõeshttp://tede.unioeste.br/PUBhttp://tede.unioeste.br/oai/requestbiblioteca.repositorio@unioeste.bropendoar:2023-06-01T17:49:39Biblioteca Digital de Teses e Dissertações do UNIOESTE - Universidade Estadual do Oeste do Paraná (UNIOESTE)false |
dc.title.por.fl_str_mv |
Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr |
dc.title.alternative.eng.fl_str_mv |
Financial education and youth: analysis of the well-being an financial behaviors of young catholics in the Diocese of Toledo - Pr |
title |
Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr |
spellingShingle |
Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr Alves, Ana Carolina Fernandes Educação financeira Juventudes católicas Bem-estar financeiro Heurísticas e vieses comportamentais Toledo-PR Financial well-being Financial planning Catholic youth groups Heuristics and behavioral biases CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
title_short |
Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr |
title_full |
Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr |
title_fullStr |
Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr |
title_full_unstemmed |
Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr |
title_sort |
Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr |
author |
Alves, Ana Carolina Fernandes |
author_facet |
Alves, Ana Carolina Fernandes |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Pontili, Rosangela Maria |
dc.contributor.advisor1Lattes.fl_str_mv |
http://lattes.cnpq.br/2484451282332686 |
dc.contributor.advisor-co1.fl_str_mv |
Pieruccini, Mariângela Alice |
dc.contributor.advisor-co1Lattes.fl_str_mv |
http://lattes.cnpq.br/1922489935953351 |
dc.contributor.referee1.fl_str_mv |
Pieruccini, Mariângela Alice |
dc.contributor.referee1Lattes.fl_str_mv |
http://lattes.cnpq.br/1922489935953351 |
dc.contributor.referee2.fl_str_mv |
Azevedo, Paulo Roberto |
dc.contributor.referee2Lattes.fl_str_mv |
http://lattes.cnpq.br/5078621200157941 |
dc.contributor.referee3.fl_str_mv |
Izepão, Rosalina Lima |
dc.contributor.referee3Lattes.fl_str_mv |
http://lattes.cnpq.br/4305897719555873 |
dc.contributor.authorLattes.fl_str_mv |
http://lattes.cnpq.br/8621970648959196 |
dc.contributor.author.fl_str_mv |
Alves, Ana Carolina Fernandes |
contributor_str_mv |
Pontili, Rosangela Maria Pieruccini, Mariângela Alice Pieruccini, Mariângela Alice Azevedo, Paulo Roberto Izepão, Rosalina Lima |
dc.subject.por.fl_str_mv |
Educação financeira Juventudes católicas Bem-estar financeiro Heurísticas e vieses comportamentais Toledo-PR Financial well-being |
topic |
Educação financeira Juventudes católicas Bem-estar financeiro Heurísticas e vieses comportamentais Toledo-PR Financial well-being Financial planning Catholic youth groups Heuristics and behavioral biases CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
dc.subject.eng.fl_str_mv |
Financial planning Catholic youth groups Heuristics and behavioral biases |
dc.subject.cnpq.fl_str_mv |
CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
description |
This study aimed to analyze the perception of the Financial Education theme by young Catholics, participants in youth groups in the Diocese of Toledo-PR. Specifically, we sought to i) describe the socioeconomic characteristics of young Catholics in the Diocese of Toledo; ii) verify the level of financial well-being of the group of individuals analyzed in the research; iii) to identify the presence of heuristics and behavioral biases in the choices regarding the finances of the young people surveyed iv) investigate whether the young people surveyed have performed activities related to finance in their weekly meetings.For this purpose, primary data were used, which were collected through the application of questionnaires and semi-structured interviews. The analyzes were performed using descriptive statistics tools and the calculation of the level of financial well-being of the young people surveyed according to the methodology developed by the Consumer Financial Protection Bureau (CFPB). As a result, it was found that the average level of financial well-being of the young people surveyed was 55 points, higher than the national average of 47 points identified by the SPC survey (2019).With regard to heuristics and behavioral biases, their influence on the choices of youths and the fact that young people with higher degrees of financial well-being tend to make less biased decisions were observed. Finally, from the interviews, it was observed that the groups of young Catholics are configured as favorable spaces for holding discussions on finance. It was concluded, therefore, that an educational work aimed at young people is necessary for the responsible use of their financial resources. |
publishDate |
2021 |
dc.date.issued.fl_str_mv |
2021-08-04 |
dc.date.accessioned.fl_str_mv |
2023-06-01T17:49:39Z |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
ALVES, Ana Carolina Fernandes. Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr. 2021. 173 f. Dissertação (Mestrado em Economia) - Universidade Estadual do Oeste do Paraná, Toledo, 2021. |
dc.identifier.uri.fl_str_mv |
https://tede.unioeste.br/handle/tede/6672 |
identifier_str_mv |
ALVES, Ana Carolina Fernandes. Educação financeira e juventudes: análise do bem-estar e dos comportamentos financeiros dos jovens católicos da Diocese de Toledo-Pr. 2021. 173 f. Dissertação (Mestrado em Economia) - Universidade Estadual do Oeste do Paraná, Toledo, 2021. |
url |
https://tede.unioeste.br/handle/tede/6672 |
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por |
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por |
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openAccess |
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Universidade Estadual do Oeste do Paraná Toledo |
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UNIOESTE |
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Universidade Estadual do Oeste do Paraná Toledo |
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