Submitted by Marco Antonio Ferreira Melo (marco.melo@globo.com) on 2017-01-02T21:17:50Z No. of bitstreams: 1 Dissertação Marco Antonio Melo.pdf: 17872681 bytes, checksum: a662cb03d371f64861e4d513f7fc9176 (MD5) / Approved for entry into archive by Janete de Oliveira Feitosa (janete.feitosa@fgv.br) on 2017-01-04T13:17:09Z (GMT) No. of bitstreams: 1 Dissertação Marco Antonio Melo.pdf: 17872681 bytes, checksum: a662cb03d371f64861e4d513f7fc9176 (MD5) / Made available in DSpace on 2017-01-16T16:36:56Z (GMT). No. of bitstreams: 1 Dissertação Marco Antonio Melo.pdf: 17872681 bytes, checksum: a662cb03d371f64861e4d513f7fc9176 (MD5) Previous issue date: 2016-12-09 / This project applies to the deep and huge study of the effects of financial education to induce the formation of savings rate and investment rate, as it is in Brazil, or in the approaches of the international literature. It intends to understand and explain the low historical insertion of Financial Education in Brazil and its importance for the formation of savings and investment in a still emerging and middle-income economy. We present in this study, qualitative and quantitative databases that guide the perception of individuals about the proposed theme in Brazil and in selected countries. The search for the perfect analogy between the Human Capital applied to Behavioral Finance and their specific conclusion is shown on the selected theme. We offer proposals for the use and optimization of financial education as a fundamental instrument for sustainable increase in the savings rate and the investment rate in the Brazilian Economy and also a teaching plan to oriented and driven to Higher Education. / Este projeto se aplica ao estudo profundo dos efeitos da Educação Financeira como indutora da formação da Taxa de Poupança e da Taxa de Investimento, seja no caso brasileiro, ou nas abordagens da literatura internacional. Procura-se oferecer propostas para a utilização e otimização da Educação Financeira como instrumento fundamental para o incremento sustentável da Taxa de Poupança e da Taxa de Investimentos na Economia Brasileira e um ensaio de plano de ensino voltado ao Nível Superior.