Made available in DSpace on 2015-04-14T14:13:09Z (GMT). No. of bitstreams: 1 342428.pdf: 389695 bytes, checksum: 57ec70f747af060f57da2ef9f4a086a1 (MD5) Previous issue date: 2005-12-15 / Esta disserta??o tem como tema central o processo de constru??o da autonomia do aluno. Dentro do Projeto de Educa??o Financeira, alvo da investiga??o desta disserta??o, a constru??o da autonomia ? favorecida por meio da forma participativa com que os alunos compartilham suas experi?ncias entre si, entre eles e o professor e entre eles e suas fam?lias. A fim de clarear e embasar a constru??o da autonomia fundada na participa??o e na interdisciplinaridade, o texto traz, no primeiro cap?tulo, as concep??es de alguns autores que fundamentam id?ias da Educa??o Cr?tica, da Autonomia/Emancipa??o e da Interdisciplinaridade. No segundo cap?tulo descrevem-se o Projeto, a problem?tica do estudo, a metodologia e os sujeitos da pesquisa, bem como a metodologia de an?lise dos dados e os objetivos da pesquisa. O terceiro cap?tulo ? o que extrai das entrevistas realizadas com os alunos participantes as suas id?ias (impress?es, representa??es) sobre o Projeto e as contribui??es deste para suas vidas presente e futura. ? uma interpreta??o das falas dos alunos, no intuito de compreender o que aconteceu durante o Projeto que tenha contribu?do para sua forma??o acad?mica e pessoal

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-02-11T16:53:21Z No. of bitstreams: 2 V??nia_Vilma_Nunes_Teixeira.pdf: 1492520 bytes, checksum: 886d0a7c8329ba72af842fc75bca7d52 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Made available in DSpace on 2016-02-11T16:53:21Z (GMT). No. of bitstreams: 2 V??nia_Vilma_Nunes_Teixeira.pdf: 1492520 bytes, checksum: 886d0a7c8329ba72af842fc75bca7d52 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) Previous issue date: 2015-02-28 / Professional proficiency goes beyond certificates and diplomas, it demands skills and competencies to be developed during the life of the professional in order to get success in the profession. This research aimed to know and analyze the perceptions of graduates on entrepreneurial skills acquired in Accounting School offered by Federal Public Universities in Paraiba State, Brazil, trying to identify capabilities and limitations able to determine their performances before the demands and challenges of the accounting profession nowadays. To reach this goal, we carried out a quantitative exploratory research, obtaining data through questionnaire made up of both structured and ??free?? questions. The results show that 76.1% of surveyed students both study as work and of these only 14.7% have experience in managerial function. Entrepreneurial characteristics were found in the perceptions of students, of which stand out as the most developed ones: learning capacity (198 students - 90.8%), Commitment and Determination (189 students ?? 86.7%) and Persistence (187 students - 85, 8%). As less developed entrepreneurial skills were identified: Risk with (81 students ?? 37.1%), Leadership (70 students - 32.1%) and Persuasion (65 students - 29.8%). It was also identified that the competence Commitment and Determination was mentioned by students as the most domainate (45 ?? 20.6%). As the most required in the performance of their duties skills were cited: Planning (44 - 20.2% ), Troubleshooting (23 - 10.6%) and Commitment and Determination of 22 (10.1%). It was found that the disciplines that contributed most to the development of entrepreneurial skills were managerial accounting (34 - 15.6%), followed by Basic Accounting with (26 - 11.9%) and Introduction to Management (26 - 11.9 %) of respondents. We conclude that there is an alignment between what courses offer and what the accounting profession requires, highlighting the capabilities of Commitment, Determination, Relationship and Learning. It also became evident that there are limitations in the capabilities related to Risk, Leadership and Persuasion, these are the characteristics that may be linked to the prevailing performance of students who do not work in the management area. / A compet??ncia profissional vai al??m de certifica????es e diplomas, ?? necess??rio que habilidades e compet??ncias sejam desenvolvidas no decorrer da vida do indiv??duo de modo que propiciem o sucesso na profiss??o. Esta pesquisa teve como objetivo conhecer e analisar as percep????es de concluintes sobre compet??ncias empreendedoras adquiridas no curso de Ci??ncias Cont??beis oferecido pelas universidades federais do Estado da Para??ba, procurando identificar capacidades e limita????es que podem determinar suas atua????es diante das exig??ncias e desafios da profiss??o cont??bil na contemporaneidade. Para tanto, realizou-se uma pesquisa explorat??ria quantitativa, obtendo-se os dados por meio de question??rio aplicado in loco composto por quest??es estruturadas e ??livres??. Os resultados evidenciam que 76,1% dos alunos investigados trabalham e destes apenas 14,7% possui experi??ncia na fun????o gerencial. Constataram-se caracter??sticas empreendedoras nas percep????es dos alunos, das quais destacam-se como as mais desenvolvidas Capacidade de Aprendizagem com 198 (90,8%), Comprometimento e Determina????o com 189 (86,7%), seguido de Persist??ncia com 187 (85,8%) dos alunos investigados. Como compet??ncias empreendedoras menos desenvolvidas identificaram-se: Risco com 81 (37,1%), seguido de Lideran??a com 70 (32,1%) e de Persuas??o com 65 (29,8%). Identificou-se que a compet??ncia Comprometimento e Determina????o foi tamb??m citada pelos alunos como a de maior dom??nio com 45 (20,6%) e como as mais requeridas no exerc??cio de suas fun????es foram citadas as compet??ncias: Planejamento com 44 (20,2%), seguida de Resolu????o de Problemas com 23 (10,6%) e de Comprometimento e Determina????o com 22 (10,1%). Constatou-se que as disciplinas que mais contribu??ram para o desenvolvimento das compet??ncias empreendedoras foram Contabilidade gerencial com 34 (15,6%), seguida de Contabilidade b??sica com 26 (11,9%) e de Introdu????o ?? Administra????o com 26 (11,9%) dos pesquisados. Conclui-se que existe um alinhamento entre o que os cursos oferecem e o que o exerc??cio da profiss??o cont??bil exige, destacando-se as capacidades de Comprometimento, Determina????o, Relacionamento e Aprendizagem, embora tenha-se evidenciado a exist??ncia de limita????es quanto a Riscos, Lideran??a e Persuas??o, caracter??sticas estas que podem estar atreladas ?? atua????o predominante dos alunos que n??o atuam na ??rea gerencial.

Made available in DSpace on 2015-12-03T18:33:07Z (GMT). No. of bitstreams: 1 Virginia_Prestes_Bernardes_Camillo.pdf: 841849 bytes, checksum: 5e36432262fd5944c6116a5c3ad3cbe2 (MD5) Previous issue date: 2014-03-06 / The present work has investigated from the point of view of the financial education, if the university??s students are a potential market for the popularization of equities investment and if the creation of a brokerage office, or something similar, within the educational environment, would be feasible. To achieve the general and specific objectives, it has been done interviews with managers from the educational area, managers from the capital market, and research through a questionnaire survey with students with a higher education and also a review of the literature related to financial education. The results of the research indicated that there are huge student??s interest in learning financial education; the creation of a brokerage office, or similar, within the university area was well received by educational managers as well as capital market managers, with the only requirement to combine financial practice to the theory given by the academy. It is intended that this research provides guidance popularization actions, both by the exchange as well as stockbrokers and investment agents, emphasizing the importance of bringing knowledge about finance to the people so we can have a solid foundation in the country of aware investors / O presente trabalho investigou do ponto de vista da educa????o financeira, se o p??blico universit??rio representa um mercado potencial para a populariza????o do investimento em renda vari??vel e se a cria????o de um escrit??rio de corretora, ou algo semelhante, dentro do ambiente educacional seja vi??vel. Para atingir os objetivos geral e espec??ficos foram realizadas entrevistas com gestores da ??rea de educa????o, gestores do mercado de capitais, pesquisa por meio de question??rio com alunos do ensino superior e revis??o da bibliografia relacionada ?? educa????o financeira. O resultado das pesquisas indicou que h?? claro interesse dos alunos em aprender educa????o financeira; a cria????o de um escrit??rio de corretora, ou similar, dentro de faculdades foi bem recebida tanto por gestores da ??rea educacional quanto do mercado de capitais, tendo como principal requisito aliar a pr??tica financeira ?? teoria ministrada pela academia, evitando-se eventuais conflitos de interesse. Pretende-se que esta pesquisa norteie a????es de populariza????o, tanto por parte da bolsa como tamb??m de corretoras de valores, agentes de investimentos e, finalmente, institui????es de ensino superior, enfatizando a import??ncia de levar conhecimento sobre finan??as ?? popula????o para que possamos ter no pa??s uma s??lida base de investidores conscientes

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-06-02T18:28:52Z No. of bitstreams: 2 Rafael Sandini Augusto.pdf: 7978466 bytes, checksum: 66fad61e1bd2e6c436fb75c309ba837c (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Made available in DSpace on 2016-06-02T18:28:52Z (GMT). No. of bitstreams: 2 Rafael Sandini Augusto.pdf: 7978466 bytes, checksum: 66fad61e1bd2e6c436fb75c309ba837c (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) Previous issue date: 2015-08-27 / This study deals with the financial habits of college students, studying in Mass Higher Education Institutions. The aim was to ascertain the financial knowledge and financial practice of university students who attend three mass universities in S??o Paulo - SP. The study included 426 students who responded to the questionnaire. As noted in the study, the sample did not show a homogeneous behavior and also provided some evidence of the use of principles of financial education, such as the invoice conference credit cards held by 62.44% of young people, 62.91% have routine to pay the bills on time and 66.9% have the habit of comparing prices before making a purchase, however they also have contrary characteristics to these principles as no comparison in interest rates between the forward options, identified in 56.34% of the sample, 50.46% had a tendency to make impulse purchases, which shows strong evidence of non-literacy of mass university students. It is still possible to observe a significant percentage of young people who show the margin of use of the principles of financial education, they present contrary habits such as the use of overdraft limit found in 11.03%, the third party the name of the loan reported by 28% of respondents and the incidence of 30.04% already had their name registered in the credit protection services. The work is relevant to managers of the surveyed educational institutions, as this could guide them in implementing financial education programs for students, to make them more qualified young people for making financial decisions, contributing to the reduction of evasion and delinquency of these students since they began to plan their spending and to distribute their income according to your personal demands. / Este estudo trata dos h??bitos financeiros de estudantes universit??rios, que estudam em Institui????es de Ensino Superior de Massa. O objetivo, foi averiguar o conhecimento financeiro e a pr??tica financeira de jovens universit??rios que frequentam tr??s universidades de massa na cidade de S??o Paulo - SP. Participaram do estudo 426 alunos que responderam ao question??rio. Como foi observado neste estudo a amostra n??o demonstrou um comportamento homog??neo e apresentou ind??cios da utiliza????o de princ??pios da educa????o financeira, tais como, a confer??ncia da fatura de cart??es de credito realizada por 62,44% dos jovens, 62,91% tem a rotina de pagar as contas em dia e 66,9% tem o habito de comparar o pre??o antes de realizar uma compra, porem tamb??m apresentam caracter??sticas contrarias a estes princ??pios como a n??o compara????o da taxa de juros entre as op????es de compra a prazo, identificada em 56,34% da amostra, 50,46% apresentaram tend??ncias a realizar compras por impulso, o que demonstra fortes ind??cios da n??o alfabetiza????o dos jovens universit??rios de massa. Ainda ?? poss??vel observar um percentual significativos de jovens que se mostram a margem da utiliza????o dos princ??pios de educa????o financeira, pois apresentam h??bitos contr??rios a tais, como a utiliza????o do limite do cheque especial constatado em 11,03%, o empr??stimo do nome ?? terceiros relatados por 28% dos entrevistados e a incid??ncia de 30,04% j?? tiveram seu nome cadastrado nos servi??os de prote????o ao credito. O trabalho se torna relevante para os gestores das institui????es de ensino pesquisadas, pois poder?? orient??-los na implementa????o de programas de educa????o financeira para os alunos, visando tornar estes jovens mais capacitados para a tomada de decis??es financeiras, contribuindo na redu????o da evas??o e inadimpl??ncia desses alunos, uma vez que passaram a planejar seus gastos e a distribuir sua renda de acordo com suas demandas pessoais.

Made available in DSpace on 2015-12-03T18:33:11Z (GMT). No. of bitstreams: 1 Derson_da_Silva_Lopes_Junior.pdf: 1070536 bytes, checksum: 4246088b7654557fb15a66f8543b099b (MD5) Previous issue date: 2014-10-17 / Studies and academic papers has been undertaken to assess the level of financial knowledge of various groups of the population and thereby analyze the ability of these groups to deal with the economic challenges. Among the classifications applicable to the company, the organization has for generations been used to study various behavioral natures. Millennium generation has been a representative and growing group in society and in the labor market due to its growth and peculiarities. This study aimed to analyze the level of financial knowledge to a random sample of young students from a university in the south zone of S??o Paulo. The application of questionnaires to 464 young people was used as a technique for data collection. The responses were analyzed using multivariate techniques and binary logistic regression about their performance and in relation to the variables of age, gender and stroke. After analysis and statistical treatments it was concluded that this group of young people has a low level of financial knowledge level achieved by 73.06 per cent of respondents. The results of this study may contribute to the financial and credit institutions, to shape the products and services offered to millennium generation; governments, demonstrating the need for teaching young people about financial matters; young people themselves that generation, warning them about the need to broaden its base of financial knowledge and for companies offering products and services for young people. / Estudos e trabalhos acad??micos tem sido empreendidos para avaliar o n??vel de conhecimento financeiro de variados nichos da popula????o e com isso analisar a capacidade desses grupos em lidar com os desafios econ??micos. Dentre as classifica????es aplicadas ?? sociedade, a organiza????o por gera????es tem sido utilizada para estudos v??rias naturezas comportamentais. A gera????o Y tem sido um grupo representativo e crescente na sociedade e no mercado de trabalho devido ao seu crescimento e peculiaridades. Este trabalho teve por objetivo analisar o n??vel de conhecimento financeiro de uma amostra aleat??ria de jovens estudantes de um centro universit??rio localizado na zona sul de S??o Paulo. Foi utilizada como t??cnica de levantamento de dados a aplica????o de question??rios a 464 jovens. As respostas obtidas foram analisadas atrav??s de t??cnicas multivariadas e regress??o log??stica bin??ria quanto ao seu desempenho e em rela????o ??s vari??veis faixa et??ria, g??nero e curso. Ap??s as an??lises e tratamentos estat??sticos concluiu-se que esse grupo de jovens possui baixo n??vel de conhecimento financeiro, n??vel alcan??ado por 73,06% dos respondentes. Os resultados deste trabalho poder??o contribuir para as institui????es financeiras e de cr??dito, para moldar os produtos e servi??os oferecidos ?? gera????o Y; os governos, demonstrando a necessidade de orienta????o dos jovens quanto a quest??es financeiras; os pr??prios jovens dessa gera????o, alertando-os quanto a necessidade de ampliar suas bases de conhecimento financeiro e para empresas que oferecem produtos e servi??os para os jovens.

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-04-07T18:12:18Z No. of bitstreams: 2 Odilon_Feitosa_da_Silva_Neto.pdf: 802495 bytes, checksum: 2cfe6494011fceeb2dd72a93163e7985 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Made available in DSpace on 2016-04-07T18:12:18Z (GMT). No. of bitstreams: 2 Odilon_Feitosa_da_Silva_Neto.pdf: 802495 bytes, checksum: 2cfe6494011fceeb2dd72a93163e7985 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) Previous issue date: 2015-04-24 / The present research has sought to explain the context and usage of credit financial products in Brazil, considering the recent scenario of financial inclusion. Thus, the research has sought to verify the relation between the level of financial literacy of the individuals and the quality in decision making when consuming credit financial products. Also, the research discusses the relevant terms related to the theme and the main credit products recently offered by the financial institutions in the national market. Considering the focus of this research, the present work has allowed evaluation of the level of financial literacy of 317university students interviewed in a private university in the city of Sao Paulo regarding credit usage. Finally, the work proves that the higher the financial literacy level, the better the decision making in credit products consumption by the university students is, since they make choices that involve lower costs. / A presente pesquisa procurou explorar o contexto e utiliza????o de produtos financeiros de cr??dito no Brasil, considerando o recente cen??rio de inclus??o financeira. Assim, o estudo buscou verificar a rela????o entre o grau de alfabetiza????o financeira dos indiv??duos e a qualidade de suas decis??es ao consumir produtos financeiros de cr??dito. O estudo, ainda, discorre sobre os termos pertinentes ao tema e os principais produtos de cr??dito oferecidos atualmente pelas institui????es financeiras que atuam no mercado nacional. Levando-se em considera????o o objeto de pesquisa, o presente trabalho permitiu avaliar o grau de alfabetiza????o financeira de317 estudantes universit??rios entrevistados em uma universidade particular no centro da cidade de S??o Paulo no tocante ?? utiliza????o de produtos de cr??dito. Por fim, o trabalho comprova que quanto maior o n??vel de alfabetiza????o financeira, melhor s??o as tomadas de decis??o pelos universit??rios no consumo de produtos de cr??dito, uma vez que eles optam por opera????es de menor custo

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2017-06-05T17:22:42Z No. of bitstreams: 2 LUIZ ANTONIO BARBAGALLO.pdf: 536294 bytes, checksum: 75dfd2885ca8f1b1789647b6d0d6c1af (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) / Made available in DSpace on 2017-06-05T17:22:42Z (GMT). No. of bitstreams: 2 LUIZ ANTONIO BARBAGALLO.pdf: 536294 bytes, checksum: 75dfd2885ca8f1b1789647b6d0d6c1af (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) Previous issue date: 2016-08-29 / Seeking to understand the factors that influence people`s financial decisions has been very frequent in academic research in several countries. Even considering the characteristics of each country, several common points have been identified in order to explain people???s financial behavior. In Brazil, the theme ???financial behavior and education??? increases significantly, because the improvement of population living conditions in the last years brought a significant number of people to market, and, in this scenario, a look at young adults is very important as long as this population range begins to engage in financial decisions, such as purchasing a vehicle, a real state property or starting a financial reserve for emergencies. To understand the financial behavior of these young people, this research makes a replication of De Bassa Scheresberg (2013). The work seeks to explain how social economics profiles and financial knowledge are related to young people???s behavior in decisions about loans, formation of financial reservations and retirement planning. Some findings of this study, accomplished through a research with 419 young people from six universities of the city of S??o Paulo, were similar to the object of the replication and to other studies, while other findings were not. This research concludes, in the same way as De Bassa Sheresberg (2013), that income and education are important predictors of financial education. It also concludes the variable ???educational institutional rating??? is a strong predictor of knowledge and financial behavior of young people. / A busca pelo entendimento dos fatores que influenciam as pessoas em suas decis??es financeiras tem sido uma constante em diversos trabalhos acad??micos em v??rios pa??ses. Mesmo considerando as caracter??sticas de cada pa??s, diversos pontos em comum t??m sido identificados nos estudos para explicar o comportamento financeiro das pessoas. No Brasil, o tema educa????o e comportamento financeiro ganha cada vez mais espa??o, pois a melhora da condi????o de vida da popula????o nos ??ltimos anos trouxe para o mercado um contingente expressivo de pessoas, e dentro deste cen??rio, um olhar sobre os jovens adultos torna-se importante na medida em que essa faixa da popula????o come??a a se envolver em decis??es financeiras, tais como a compra de um ve??culo, de um im??vel, ou a forma????o de uma reserva para emerg??ncias. Para entender o comportamento financeiro desses jovens, este trabalho faz uma replica????o do estudo de De Bassa Scheresberg (2013). O estudo procura explicar as rela????es dos perfis socioecon??micos e da an??lise do n??vel de conhecimento financeiro com o comportamento dos jovens nas decis??es relativas a empr??stimos, forma????o de reservas e planejamento para aposentadoria. Alguns resultados deste trabalho, realizado atrav??s de uma pesquisa com 419 jovens de seis faculdades da cidade de S??o Paulo, foram semelhantes ao estudo objeto desta replica????o e tamb??m a outros estudos, por??m, alguns resultados foram divergentes. O trabalho conclui, da mesma forma que o estudo base, que renda e educa????o s??o importantes preditores de educa????o financeira. Conclui tamb??m que a vari??vel ???classifica????o da institui????o de ensino??? ?? um forte preditor de conhecimento e comportamento financeiro dos jovens.

Made available in DSpace on 2015-12-03T18:33:16Z (GMT). No. of bitstreams: 1 Marcos_Vinicius_Godoi_Milan.pdf: 518316 bytes, checksum: 61b59ff897148b678a62ffb9f197f66d (MD5) Previous issue date: 2015-08-27 / The absence of financial education throughout the K-12 experience results in most undergraduate students lacking the financial literacy needed to make better financial decisions. Studies by the OECD and Serasa Consumidor, together with other studies cited throughout this work, show there is still a long way to go to implement a strong policy for Financial Education. This study assesses the levels of financial literacy of the undergraduate students at FECAP using a questionnaire similar to the one developed by the OECD. The survey has been carried out with 564 students who attend the evening courses and are either in the first or in the last semester of undergraduate degree programs. I investigate the relations between sociodemographic variables and courses and the level of Financial Literacy. The results indicate that FECAP s students have a high level of Financial Literacy up to 2.39 points in a scale whose maximum is 3 points. That represents a performance of 79%. This result is 19 percentage points above that of a study conducted by Serasa Consumidor and IBOPE (2014), which found that individuals with higher education had a performance of 60% . Students in the senior year of college have more Financial Knowledge than the freshmen. Students of Accounting, who comprise most of the sample with 166 individuals, presented the best results regarding Financial Knowledge.This study indicates that sociodemographic factors, such as gender, age and religion are related to Financial Literacy / A aus??ncia de t??picos relacionados a Alfabetiza????o Financeira na educa????o b??sica faz com que boa parte dos jovens cheguem ao ensino superior sem a bagagem de Alfabetiza????o Financeira necess??ria para lidar com as finan??as cotidianas. Estudos da OECD, Serasa Consumidor, al??m de da literatura citada ao longo deste estudo, apontam ainda um longo caminho a ser percorrido no que se refere ?? implanta????o de uma forte pol??tica de ensino em Alfabetiza????o Financeira. O presente trabalho mensura a Alfabetiza????o Financeira e seus fatores indicadores (Conhecimento e Comportamento Financeiros e Atitude) de alunos dos cursos da FECAP, em pesquisa aplicada a 564 etudantes do per??odo noturno, do primeiro e ??ltimo anos de gradua????o, com base no question??rio desenvolvido pela OECD. Tamb??m s??o investigadas as rela????es entre vari??veis sociodemogr??ficas e os cursos com os n??veis de Alfabetiza????o Financeira. Os resultados apontam que os alunos da FECAP possuem um elevado n??vel de Alfabetiza????o Financeira, chegando a 2,39 pontos em uma escala com pontua????o m??xima de 3,00 pontos, o que representa um aproveitamento de 79%. Este resultado est?? 19 pontos percentuais acima de uma pesquisa realizada pela Serasa Consumidor e IBOPE (2014), em que foi verificado um aproveitamento de 60% em indiv??duos com curso superior. A an??lise realizada mostra que os alunos dos ??ltimos anos t??m maior n??vel de Alfabetiza????o Financeira que os dos primeiros anos. O estudo mostra ainda que fatores sociodemogr??ficos, como g??nero, faixa et??ria e religi??o est??o relacionados ao n??vel de Alfabetiza????o Financeira