Submitted by Luciana Ferreira (lucgeral@gmail.com) on 2015-10-08T13:29:59Z No. of bitstreams: 3 Dissertação - Aline Martins da Silva - 2014 -(1).pdf: 19735236 bytes, checksum: 893cd8c94d2c425b68a753ea2de83b1d (MD5) Dissertação - Aline Martins da Silva - 2014 - (2).pdf: 14544224 bytes, checksum: c56fbad3f79f2792c56d4cd4eac472e7 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Approved for entry into archive by Luciana Ferreira (lucgeral@gmail.com) on 2015-10-08T13:35:15Z (GMT) No. of bitstreams: 3 Dissertação - Aline Martins da Silva - 2014 -(1).pdf: 19735236 bytes, checksum: 893cd8c94d2c425b68a753ea2de83b1d (MD5) Dissertação - Aline Martins da Silva - 2014 - (2).pdf: 14544224 bytes, checksum: c56fbad3f79f2792c56d4cd4eac472e7 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Made available in DSpace on 2015-10-08T13:35:15Z (GMT). No. of bitstreams: 3 Dissertação - Aline Martins da Silva - 2014 -(1).pdf: 19735236 bytes, checksum: 893cd8c94d2c425b68a753ea2de83b1d (MD5) Dissertação - Aline Martins da Silva - 2014 - (2).pdf: 14544224 bytes, checksum: c56fbad3f79f2792c56d4cd4eac472e7 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) Previous issue date: 2014-07-25 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPES / Nowadays the theme of conscientious consumption and its consequences are increasingly common themes, this work was made to draw attention to the practice of financial awareness in the use of credit, especially when using credit cards. Initially sought to know the history of this instrument as payment and factors that involve mediation between this mechanism and the consumer. Subsequently, through basic knowledge of financial mathematics, sought to arouse the consumer through calculations, awareness of how the abuse of credit facilities, can negatively contribute to the organization’s financial life. The content of financial mathematics, calculations and statements addressed shown as a result, which involves present value, interest rate, future value and time affects the consumer’s pocket; it should be noted that the mathematical topics covered are public-facing basic education, to be consumers of the future. The work also brought some reflections on the practice of conscious consumption in the use of credit in order to guide everyday choices. O major purpose of this study was to serve as a tool to raise awareness in the use of credit cards through knowledge of mathematics and effectiveness healthy financial habits. / Nos dias atuais a temática do consumo consciente e as suas consequências são temas cada vez mais frequentes, este trabalho foi desenvolvido visando alertar para a prática da consciência financeira no uso do crédito, em especial ao usar os cartões de crédito. Inicialmente procurouse conhecer a história desse instrumento como forma de pagamento e os fatores que envolvem a mediação entre esse mecanismo e o consumidor. Posteriormente, através de conhecimentos básicos de matemática financeira, procurou-se despertar no consumidor por meio de cálculos, a consciência de como o abuso das facilidades de crédito, pode contribuir negativamente para organização da vida financeira. Os conteúdos de matemática financeira, cálculos e demonstrações abordados mostraram como um resultado, que envolve valor presente, taxa de juros, valor futuro e tempo, afeta o bolso do consumidor; cabe salientar que os tópicos de matemáticas abordados são voltados para o público da educação básica, que serão os consumidores do futuro. O trabalho trouxe ainda algumas reflexões sobre a prática do consumo consciente no uso do crédito a fim de orientar as escolhas diárias. O propósito maior desse estudo foi servir de instrumento para a conscientização no uso de cartões de crédito por meio do conhecimento de matemática e efetivação de hábitos financeiros saudáveis.

The diploma work deals with the problem of poverty following from overdebtedness of Czech households. Poverty is defined as a strong social handicap leading up to a social exclusion. Overdebtedness means such a financial situation when households are not able to fulfill their financial obligations and thus it concerns especially households with low incomes. In the Czech Republic this fact has been distinguished since the year 2000. The topic of the diploma work points at the development of overdebtedness of Czech households and its evaluation, the size of this problem and the estimation of its further development. It analyses the threat to households leading to a debt trap. It deals with economic impact of state debtedness in connection with that of Czech households. Some attention is paid to the increasing unemployment as one of the strongest causes leading to a state of poverty and consequently to undesirable debtedness showing the evident link between unemployment and overdebtedness. At the same time, the emphasis is put onto individual responsibility and lifelong education as the prevention and solution to unemployment and doubtedness. The phenomenon of overdebtedness of Czech households is understood as a warning signal of the present.