Educação financeira e as contribuições do pensamento computacional em uma proposta de atividade voltada à tomada de decisão

Resumo: Neste artigo trazemos uma atividade voltada à tomada de decisão em Educação Financeira, realizada no ambiente Scratch. Identificamos e valorizamos as contribuições do Pensamento Computacional no processo de elaboração da atividade, diante da sua relação com o raciocínio e os processos de pensamento. O objetivo é discutir como a Matemática e as discussões financeiras se fazem presentes, a partir de uma atividade que considera o Pensamento Computacional como um caminho para a tomada de decisão, de forma reflexiva e crítica. A análise da atividade, em conjunto com as contribuições teóricas apresentadas, nos mostra que esse caminho pode contribuir com os processos de pensamento, raciocínio, resolução de problemas e organização de ideias, indispensáveis para a tomada de decisões financeiras. Palavras-chave: Scratch; Educação Matemática; Educação Básica. Financial education and the contributions of the computacional thinking in a decision-making activity proposal Abstract: In this article we bring an activity focused on decision making in Financial Education, carried out in Scratch software. We identify and value the contributions of Computational Thinking in the process of elaboration of the activity, in relation to its relation with reasoning and thought processes. The objective is to discuss how Mathematics and financial discussions are presented, from an activity that considers computational thinking as a path to decision making, reflectively and critically. The analysis of the activity, together with the theoretical contributions presented, shows that this path can contribute to the processes of thinking, reasoning, problem solving and idea organization, indispensable for financial decision-making. Keywords: Scratch; Mathematics Education; Basic Education.

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Review of Family Financial Decision Making: Suggestions for Future Research and Implications for Financial Education

Journal of Financial Counseling and Planning ◽

10.1891/1052-3073.28.2.253 ◽

2017 ◽

Vol 28 (2) ◽

pp. 253-267 ◽

Cited By ~ 9

Author(s):

Jinhee Kim ◽

Michael S. Gutter ◽

Taylor Spangler

Keyword(s):

Decision Making ◽

Decision Process ◽

Family System ◽

Financial Education ◽

Future Research ◽

Financial Decisions ◽

Individual Level ◽

Financial Decision Making ◽

Financial Decision ◽

The Individual

This article reviews the theories and literature in intrahousehold financial decisions, spousal partners and financial decision making, family system and financial decision process, children, and financial decisions. The article draws conclusions from the literature review and discusses directions for future research and educational programs. Most financial education and counseling takes place at the individual level, whereas financial decisions take place at household and intrahousehold levels. Family members, spouses/partners, children, and others play a key role in individuals’ financial decisions. The article proposes the key programmatic implications for financial professionals and educators that need to be integrated into financial education and counseling. Understanding the unique dynamics of family financial decision making would help create effective educational and counseling strategies for the whole families.

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The Role of Financial Inclusion

Emerging Tools and Strategies for Financial Management - Advances in Finance, Accounting, and Economics ◽

10.4018/978-1-7998-2440-4.ch011 ◽

2020 ◽

pp. 248-279

Author(s):

Ulkem Basdas

Keyword(s):

Decision Making ◽

Financial Literacy ◽

Financial Education ◽

Financial Inclusion ◽

Decision Making Process ◽

Standard Definition ◽

Financial Decision Making ◽

Financial Decision ◽

Different Levels

This chapter highlights the importance of financial education, its link with financial decision-making process, comparative status of different countries, and efforts to improve current situation. Unfortunately, there is no standard definition for neither financial education nor measures to quantify it. Therefore, this chapter first aims to provide a comprehensive definition in order to explain how financial knowledge affects the decision-making process. Then, financial literacy measures from previous studies over different countries would be discussed to show financial illiteracy problem is global. Lastly, solutions and recommendations would be discussed at three different levels: younger people, individuals, and national strategies.

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The effects of mental budgeting and pain of payment on the financial decision making of socially excluded people

International Journal of Bank Marketing ◽

10.1108/ijbm-09-2020-0499 ◽

2021 ◽

Vol ahead-of-print (ahead-of-print) ◽

Author(s):

Sungyong Chun ◽

Devon S. Johnson

Keyword(s):

Decision Making ◽

High Risk ◽

Social Exclusion ◽

Financial Education ◽

Mediating Effect ◽

Content Type ◽

Financial Decision Making ◽

Financial Products ◽

Financial Decision ◽

Mental Budgeting

PurposeConsumers who experience social exclusion often prefer high-risk financial products over low-risk financial products. The aim of this study is to examine how this effect can be attenuated by applying the theories of mental budgeting and pain of payment. The authors’ aim in pursuing this research is to improve the effectiveness of financial professionals and others in educating consumers on healthy financial practices. Understanding how social exclusion experiences influence financial decision-making is essential for continued progress in consumer financial education.Design/methodology/approachThe authors examine the effect of consumers experiencing social exclusion on preference for high-risk financial products using an experimental design involving the manipulation of social exclusion/inclusion experiences. Data were collected from 148 consumers of mutual fund investment services via Amazon Mechanical Turk.FindingsThe study found that consumers experiencing social exclusion are more likely to make high risk investments. It also found that this effect is moderated by consumers' level of mental budgeting such that at high levels of mental budgeting the effect of social exclusion on investment choice is attenuated. The study further finds that the moderating effect of mental budgeting is mediated by pain of payment.Social implicationsThe findings of this study suggest that policymakers can reduce unduly risky personal investment behavior by triggering mental budgeting thoughts using methods such as advertising and explicit mention of transaction fees.Originality/valueThe present study builds on existing research demonstrating the adverse behavioral consequences of social exclusion but refines our understanding by demonstrating the attenuating effect of mental budgeting and the mediating effect of pain of payment on high risk financial purchases.

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The impact of the anchoring heuristic on the financial decision-making process of elderly people in relation to the acquisition of payroll-deductible loans

10.25242/8876113220212426 ◽

2021 ◽

Author(s):

Beatriz Maia Bragança ◽

Chesil Batista Silva

Keyword(s):

Decision Making ◽

Elderly People ◽

Psychological Health ◽

Financial Education ◽

The Elderly ◽

Decision Making Process ◽

Financial Decision Making ◽

Data Collection Instrument ◽

Financial Decision ◽

The Impact

This research aims to investigate whether the financial decision-making process of elderly people in the acquisition of payroll loans is influenced by the anchoring heuristic. In the Anchorage heuristic, individuals focus their attention on recently received information and use it as a reference to make a decision, or itcan also be the result of a partial or incomplete analysis of the received information, which often happens with elderly people. As the financial decision-making process is somewhat complex, the use of mental shortcuts (Heuristics) to facilitate decisionscould lead to catastrophic long-term indebtedness situations, especially in elderly people in a situation of gradual decline in physical and psychological health. This is a qualitative, quantitative, exploratory, descriptive and survey research, the data collection instrument used refers to the adaptation of a questionnaire that aims to seek answers for possible effects and/or relationships between anchoring and financial decision making, using as a measurement and analysis parameter the method proposed byJacowitz & Kahneman (1995). Expected with this research to measure the impact of the anchoring heuristic in the financial decision-making process of elderly citizens, retirees and/or INSS beneficiaries in the acquisition of payroll-deductible loans. In this way, if the bias hypothesis is confirmed, strategies to support financial education may be implemented as an initiative to minimize the heuristic effects, culminating in a better quality of life for the elderly class, with effects on the general population.

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