Educação financeira no ensino médio: uma análise da percepção e do conhecimento dos estudantes de uma escola pública em Juazeiro do Norte – CE

Abstract

This study aimed to evaluate the correlation between variables related to the financial education of 3rd-year high school students at a public school in Juazeiro do Norte – CE, investigating the correlation between variables related to consumption habits, credit card use, and financial planning. This is a descriptive, quantitative study conducted with 118 students, using a structured questionnaire based on consolidated instruments and a five-point Likert scale. The results indicate that participants have moderate knowledge of personal finance, with greater difficulty in understanding concepts such as the difference between fixed and variable expenses, the importance of an emergency fund, and investment practices. However, an interest in the financial future was observed, evidencing a growing awareness of the need for planning and budget control. Pearson's correlation analysis revealed significant associations between expense planning, financial organization, investments, and perception of financial security, suggesting that conscious practice is directly related to acquired knowledge. The findings reinforce that income level influences the ability to manage resources, highlighting the importance of pedagogical strategies that consider the socioeconomic context of the students. This study demonstrates that the systematic inclusion of financial education in high school, combining theory and practice, contributes to the formation of citizens capable of making more responsible financial decisions, developing autonomy, and building sustainable economic habits.