Matemática financeira: uma abordagem de incentivo ao planejamento financeiro de longo prazo

Abstract

At the same time that the development and consolidation of financial instruments in modern society can be observed, there is a growing interest within the academic community in the fields of Education and Financial Mathematics. In the Brazilian school context, a striking example of this concern is the inclusion of the topic in the National Common Curricular Base (BNCC), which highlights it as a theme to be addressed in a cross-curricular manner. Despite this, it is understood that such knowledge is still poorly appropriated by the less privileged sectors of our society. In this scenario, the present study aims to develop a didactic sequence that addresses concepts of Financial Education in a contextualized way, promoting critical reflections on students realities and on the socioeconomic inequalities present in their contexts, in addition to enabling the development of long-term financial planning. To achieve this objective, a qualitative research methodology was adopted, based on a bibliographic and documentary review. The didactic sequence resulting from the research consists of seven lessons, in which topics that permeate different themes are discussed, such as: the identification of factors that contribute to the difficulty Brazilians face in saving money, emergency funds, retirement, investments in long-term scenarios, and inflation and its impacts on the purchasing power of the currency.