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Literacia financeira e fiscal nos jovens portugueses: avaliação de conhecimentos e práticas
| Name: | Description: | Size: | Format: | |
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| 1.28 MB | Adobe PDF |
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Abstract(s)
As literacias financeira e fiscal abrangem conhecimentos, competências e atitudes com implicações significativas para as decisões e bem-estar dos cidadãos. São conceitos importantes e emergentes, uma vez que indivíduos com competências mais desenvolvidas são capazes de tomar melhores decisões, fazer um melhor planeamento financeiro e conseguir suportar mais facilmente choques económicos.
O presente estudo tem como principal objetivo refletir acerca da temática das literacias financeira e fiscal e avaliar os conhecimentos e práticas dos jovens portugueses.
De modo a atingir este objetivo, foi realizada uma revisão da literatura acerca do tema onde foi possível definir e explorar conceitos basilares, compreender a sua importância crescente na sociedade atual e relacioná-los, focando a atenção para uma população em específico. Através da disponibilização de um inquérito junto de jovens portugueses entre os 17 e 25 anos, pretendeu-se, ainda, avaliar o nível de conhecimento e práticas acerca das literacias financeira e fiscal, identificar os temas menos dominados e estabelecer a correlação com algumas variáveis definidas, como por exemplo, o género, a área de formação, o grau de escolaridade dos pais e a principal fonte de rendimento.
Após a análise destes resultados, foi possível compreender que existe uma lacuna no domínio destas temáticas por parte dos jovens portugueses, sendo mais acentuada na literacia fiscal. Com base neste facto é aconselhado, que em novos estudos nesta temática e questionários relacionados, sejam consideradas questões relacionadas com essa temática. Os resultados ainda revelaram que a introdução de unidades curriculares neste âmbito nos programas atuais, são fundamentais, uma vez que os jovens não têm uma correta perceção do nível de literacia que possuem. Identificou-se ainda que novas formas de ensino dos temas, nomeadamente com a realização de mais casos práticos, poderão aumentar a apreensão de conceitos por partes dos jovens.
Financial and fiscal literacy encompass knowledge, skills and attitudes with significant implications for citizens' decisions and well-being. These are importante and emerging concepts, since individuals with more developed skills are able to make better decisions, plan their finances better and withstand economic shocks more easily. The main aim of this study is to reflect on the subject of financial and fiscal literacy and to assess the knowledge and practices of young Portuguese people. In order to achieve this goal, a literature review was carried out on the subject, where it was possible to define and explore basic concepts, understand their growing importance in today's society and relate them, focussing attention on a specific population. Through a survey of young Portuguese people aged between 17 and 25, the aim was also to assess the level of knowledge and practices regarding financial and fiscal literacy, identify the least mastered topics and establish a correlation with some defined variables, such as gender, area of study parents' level of education and main source of income. After analysing these results, it was possible to understand that there is a gap in the mastery of these topics by young Portuguese people, and it is more pronounced in fiscal literacy. This shows that new studies and questionnaires relating to tax literacy are needed. The results also revealed that the introduction of curricular units in this area is fundamental, since young people do not have a correct perception of their level of literacy. It was also identified that new ways of teaching the topics, namely with more practical cases, could increase young people's grasp of the concepts.
Financial and fiscal literacy encompass knowledge, skills and attitudes with significant implications for citizens' decisions and well-being. These are importante and emerging concepts, since individuals with more developed skills are able to make better decisions, plan their finances better and withstand economic shocks more easily. The main aim of this study is to reflect on the subject of financial and fiscal literacy and to assess the knowledge and practices of young Portuguese people. In order to achieve this goal, a literature review was carried out on the subject, where it was possible to define and explore basic concepts, understand their growing importance in today's society and relate them, focussing attention on a specific population. Through a survey of young Portuguese people aged between 17 and 25, the aim was also to assess the level of knowledge and practices regarding financial and fiscal literacy, identify the least mastered topics and establish a correlation with some defined variables, such as gender, area of study parents' level of education and main source of income. After analysing these results, it was possible to understand that there is a gap in the mastery of these topics by young Portuguese people, and it is more pronounced in fiscal literacy. This shows that new studies and questionnaires relating to tax literacy are needed. The results also revealed that the introduction of curricular units in this area is fundamental, since young people do not have a correct perception of their level of literacy. It was also identified that new ways of teaching the topics, namely with more practical cases, could increase young people's grasp of the concepts.
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Keywords
Literacia financeira Literacia fiscal Planeamento financeiro Educação financeira Financial literacy Fiscal literacy Financial well-being Toung portuguese Financial planning