Educação Financeira e Tomada de Decisões Econômicas
Palabras clave:
educação financeira, tomada de decisões econômicasResumen
O presente artigo de revisão tem como objetivo analisar e sistematizar a produção científica recente sobre a educação financeira e sua relação com a tomada de decisões econômicas, com o intuito de identificar seus principais enfoques conceituais, modelos teóricos, fatores associados, estratégias educativas e desafios de pesquisa. Para isso, foi realizada uma revisão narrativa da literatura, com base em artigos científicos publicados entre 2010 e 2024 em bases de dados acadêmicas internacionais. O processo contemplou critérios de inclusão e exclusão previamente definidos, bem como uma análise temática das informações organizadas em categorias analíticas. Os resultados evidenciam que a educação financeira constitui um construto multidimensional que integra conhecimentos, habilidades, atitudes e comportamentos orientados ao bem-estar econômico. Da mesma forma, identifica-se que a tomada de decisões econômicas é influenciada por fatores cognitivos, emocionais e contextuais, e que a educação financeira favorece comportamentos como a poupança, o planejamento e o uso responsável do crédito. No entanto, persistem desafios relacionados à heterogeneidade conceitual, à escassa evidência longitudinal e à necessidade de abordagens educativas integrais e contextualizadas. Conclui-se que fortalecer a educação financeira a partir de uma perspectiva interdisciplinar é fundamental para promover decisões econômicas informadas e sustentáveis.
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