Difusão da educação financeira no Brasil após o decreto n. 7.397 de 2010: uma análise exploratória

Abstract

The economic stability started in the 1990s favored the expansion of credit supply in the country, facilitating consumption by the population, but creating the main type of debt for Brazilians. Financial Education enables families to organize their budget by setting limits for the best use of their incomes. Based on it, the objective of this study was to analyze, from the establishment of decree no 7.397 of 2010, which establishes the National Strategy for Financial Education - ENEF - the scenario of financial education and indebtedness in Brazil. For this purpose, secondary data from national sources were used in order to understand the evolution of Brazilians' level of financial education and indebtedness. The results obtained indicate that, despite the expansion of initiatives related to financial education, Brazilians still have less than ideal financial health, as a consequence, the family indebtedness in 2021 has reached the highest percentage in eleven years, reaching 76.3%. In addition, it can be identified that socioeconomic factors directly influence the absorption of financial education and the management of financial resources capacity by Brazilians. Thus, it is necessary the expansion of the policies aimed at increasing the level of financial education of the population is evident, and, consequently, reducing the propensity to indebtedness of Brazilians, especially women and the lower income population.