scholarly journals Finanças pessoais dos estudantes do IFPI – Campus - Picos / Personal finances of IFPI students – Campus - Picos

2021 ◽  
Vol 3 (5) ◽  
pp. 4054-4057
Author(s):  
Anne Karoline Bandeira Bonfim Leal ◽  
Tiago Bomfim Claudino ◽  
Joelson da Conceição Feitosa ◽  
Larissa Barros Andrade
Keyword(s):  
Personal Finances

A presente pesquisa investigou o nível de conhecimento sobre finanças pessoais e economia doméstica dos alunos do IFPI, Campus-Picos, no ano de 2019, e como os alunos administram o dinheiro que possuem, se fazem algum planejamento e/ou investimento. Sabe-se que com o aumento das possibilidades de consumo, a educação financeira torna-se mais necessária para despertar a consciência da população quanto às suas decisões individuais e familiares relacionadas a seus recursos. Adotou-se a metodologia de pesquisa exploratória e de campo com análise estatística descritiva dos dados obtidos. Como resultados obteve-se que a maior parte dos alunos se preocupa com seu futuro financeiro e tem realizado o hábito de poupar e gastar apenas o mínimo necessário com contas obrigatórias. Ademais, a pesquisa evidenciou o perfil empreendedor de muitos alunos ao demonstrarem como possibilidade de investimento a abertura de empresas. Conclui-se que a educação financeira revela-se extremamente importante para os jovens, recomendando-se o seu ensino nas escolas, pois sua aplicação como disciplina permite que as pessoas tenham um equilíbrio orçamentário, descubram melhores investimentos e, com isso, possuam melhor qualidade de vida com a realização de seus projetos. 

Formation of financial literacy in training of informatics teachers on the basis of the 1С:Enterprise system

2020 ◽  
Vol 1 (1) ◽  
pp. 11-18
Author(s):  
M. A. Rodionov ◽  
I. V. Akimova
Keyword(s):  
Financial Literacy ◽  
Basic Knowledge ◽  
State University ◽  
Science And Literature ◽  
Successful Development ◽  
Mathematics History ◽  
School Subjects ◽  
Personal Finances ◽  
The Right

In the submitted study the problem of the formation of financial literacy of students at informatics lessons and relevant training of future informatics teachers is considered. Financial literacy is understood as a set of basic knowledge in the field of finance, banking, insurance, as well as budgeting for personal finances that allow a person to choose the right financial product or service, soberly assess and take risks that may arise during the use of these products, correctly accumulate savings and identify doubtful (fraudulent) investment schemes. The authors conclude that successful development of meaningful lines of the course of financial literacy requires integration of a few school subjects, such as mathematics, history, informatics, social science and literature. The role of modern informatics teacher in the formation of financial literacy of students is great. Therefore, in the training of a future informatics teacher, it should be paid the attention to issues related to the study of elements of financial literacy in informatics lessons. In order to solve the problem, the authors propose to use the special course “Basics of work in 1С:Enterprise”, which is implemented at Penza State University. The article contains a program of the course and the methodological recommendations for its implementation.

NEWS in focus

2021 ◽  
Vol 31 (1) ◽  
pp. 10-19
Keyword(s):  
Personal Finances ◽  
The Future ◽  
New Research

New research reveals uncertainties about the future and concerns about personal finances are the leading causes of stress among UK workers

Risk Behavior of East and West Germans in Handling Personal Finances

2000 ◽  
Vol 1 (2) ◽  
pp. 127-134 ◽  
Author(s):  
Peter Tigges ◽  
Axel Riegert ◽  
Lothar Jonitz ◽  
Johannes Brengelmann ◽  
Rolf R. Engel
Keyword(s):  
Risk Behavior ◽  
Personal Finances ◽  
East And West

How to Manage Personal Finances

2020 ◽  
pp. 589-599
Author(s):  
David J. Peterson ◽  
Roger D. Strode
Keyword(s):  
Personal Finances

scholarly journals A Study On Financial Self-Efficacy During Covid-19

2021 ◽  
Vol 23 (08) ◽  
pp. 472-483
Author(s):  
Sitangshu Khatua ◽  
◽  
Debdulal Dutta Roy ◽  
Keyword(s):  
Self Efficacy ◽  
Principal Component ◽  
The Novel ◽  
The Great Depression ◽  
Online Mode ◽  
Personal Finances ◽  
Study Results ◽  
Financial Goal ◽  
Novel Coronavirus ◽  
And Control

Financial Self-efficacy is defined as a person’s observed capability to control his/her personal finances (Lapp, 2010; Postmus, 2011). It refers to one’s beliefs in the abilities to accomplish a financial goal or task. It is the “knowledge and ability to influence and control one’s financial matters” by Fox and Bartholomae (2008). Financial efficacy pattern of people during very critical moment is unknown. The world is experiencing one of the deepest recessions since the Great Depression in the 1930s owing to the novel coronavirus, World Bank President David Malpass has said, terming the COVID-19 pandemic a “catastrophic event” for many developing and the poorest countries. Aim of the study is to examine financial efficacy pattern of people during lockdown period for COVID-19. Data were collected through online mode using financial efficacy scale developed by authors for the study. Results of principal component analysis revealed that during lockdown, financial efficacy is more concerned with financial planning, planned payment and financial coping.

scholarly journals Ferramenta para Análise e Gestão de Custos da Atividade Cafeeira em Pequenas e Médias Propriedades Rurais

2021 ◽  
Vol 24 (40) ◽  
pp. 86-92
Author(s):  
Luiz Felipe Sacardo ◽  
Michele Ribeiro Ramos
Keyword(s):  
Production Costs ◽  
Process Efficiency ◽  
Efficiency Gain ◽  
Cash Flow Management ◽  
Financial Gain ◽  
Personal Finances ◽  
Precise Analysis ◽  
Export Volume ◽  
Coffee Farmers ◽  
The Difference

ResumoO Agronegócio é responsável por cerca de ¼ das riquezas geradas anualmente no Brasil. Dentro deste universo a cultura cafeeira é responsável por cerca de 10% do volume total das exportações deste setor. A viabilidade da produção cafeeira em qualquer escala depende fortemente da agregação de qualidade no produto final, eficiência nos processos e o controle dos custos da atividade. Os pequenos e médios cafeicultores, de maneira geral, ainda carecem de uma estrutura administrativa que lhes permita conhecer e gerencia adequadamente suas finanças, apesar de existir uma consciência da necessidade do conhecimento e gerenciamento dos custos de produção o que ainda vemos são as finanças das atividades sendo misturadas com as finanças pessoais, impossibilitando qualquer tipo de análise precisa e ainda, uma forte tendência de subjugar os custos e despesas e de inflacionar os resultados finais, mesmo que estes não estejam explícitos. Fatores como má administração do fluxo de caixa ou até mesmo menosprezo por pequenas despesas no cálculo do resultado podem ser o diferencial entre aqueles produtores que prosperam e aqueles que têm de deixar a atividade. Palavras-chave: Microanálise de Empresas Agrícolas. Modelos Econométricos e de Entrada-Saída. Investimento. Abstract Agribusiness is responsible for about ¼ of the wealth generated annually in Brazil. Within this universe, coffee culture is responsible for about 10% of the total export volume of this sector. The viability of coffee production on any scale strongly depends on the aggregation of quality in the final product, process efficiency and cost control of the activity. With the administrative modernization of the activity efficiency is gained, and with the efficiency gain opportunities for greater financial gain arise, either through cost reduction or revenue increase. Small and medium coffee farmers, in general, still lack an administrative structure that allows them to know and manage their finances properly, although there is an awareness of the need for knowledge and management of production costs. What we still see is the finances of the activity mixed with personal finances, precluding any kind of precise analysis and yet a strong tendency to subjugate costs and expenses and to inflate final results, even if they are not explicit. Factors such as poor cash flow management or even contempt for small expenses in calculating income may be the difference between those who thrive and those who have to leave the business. Keywords: Micro Analysis of Farm Firms. Econometric and Input-Output Models. Investment.

The First Android Based Sharia Fintech Innovation In Indonesia To Increase Inclusive and Literate on Society’s Finance

2021 ◽  
Vol 1 (2) ◽  
pp. 01-19
Author(s):  
Suhartono Suhartono ◽  
Juniato Sidauruk ◽  
Octa Pratama Putra ◽  
Syamsul Bahri ◽  
Martias Martias ◽  
...  
Keyword(s):  
Financial Services ◽  
Research Method ◽  
Banking Sector ◽  
Financial Inclusion ◽  
Descriptive Research ◽  
Technology Industry ◽  
Technical Procedure ◽  
Interview Session ◽  
Personal Finances ◽  
Financial Technology

Technology has become the part of today’s people life. Then, it is actually close to the application of it. Absolutely, it has example; such as the electricity for having more sophisticated in financial technology (Fin-Tech). The simplicity and speed of this technology have led people to adopt it in everyday’s life. One of the innovations in developing business and the economy, especially in the banking sector, is currently to develop Fintech (Financial Technology) which is able to facilitate all types of buying and selling transactions, investments and fundraising. Next, the purpose of this study is to explain and provide an understanding of the technical, procedures and benefits of the application, it is called Sharia FinTech. Then, it is also to contribute to the literature on the capacity of the latest technological and non-technological innovations. The research method used is descriptive research method with a qualitative approach. It is to describe and explore the phenomena in the form of engineering human innovation in the financial technology industry. It is done by taking into account the characteristics, quality, and interrelationships between activities It has several aspects; they are: conducting the observation, having an interview session, creating the documentation, and the last one is doing the Literature review. The result of this study is to increase the knowledge, skills and confidence of the community in managing personal finances to be better and to provide access to be having convenient and accountable financial services. Afterwards, this study linits on explaining and providing an understanding of the technical, procedure and benefits of Sharia Fintech for all people in need. Thence, the limitation of the research only discusses the role of Islamic Fintech in increasing the public financial inclusion and literacy. As for the the next researchers, they can be even wider by adding the collaboration of fintech and the banking world. The novelty of this research is the use of the android application as a digital platform in financial inclusion and literacy.

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