Considerações sobre Matemática Financeira e Educação Financeira no Exame Nacional do Ensino Médio

Abstract

This research is dedicated to analyzing the approaches on mathematics and Financial Education in the National High School Examination questions(ENEM), between the years 2019 and 2023. The main objective is to understand how the areas of Financial Mathematics and Financial Education contribute to the academic and financial development of students, promoting skills that aid in conscious economic decisions, and exploring the potential of the issues for the training of high school graduates. In addition, it seeks to discuss the concepts of Financial Mathematics and financial education and identify the curricular guidelines that address these topics. The methodology of this work was based on qualitative research, using content analysis to examine and discuss the ENEM issues related to the direct or indirect use of financial resources. The analysis of the questions revealed that approximately 28.4% address financial education topics, which indicates the growing importance of this theme. These questions involve topics such as conscious consumption, budgeting, spending planning, among others; with an emphasis on practical mathematical skills such as percentage, graph analysis and financial operations. The results indicate that the inclusion of financial topics in the exam aligns with the competences established by the common National Curriculum Base, reinforcing the importance of education for citizenship and for practical life. It is concluded that the inclusion of Mathematics and financial education in basic education can strengthen the critical capacity and decision-making of students, better preparing them to face financial and social challenges, in addition to helping them succeed in ENEM issues.