Understanding economics: economic and financial education in child hood from a constructivist perspective
Article Sidebar
Main Article Content
Abstract
Globalization and structuralchanges at theeconomic, social and politicallevelshavemodifiedtherelationaldynamics in society and havegiven a leading role to consumption (BAUMANN, 2007), a situationthattranscendsallages.A particularlyrelevantsegmentisthechildren, who faces thedemands of the social environment and experiencestheconstructionidentity in anenvironment of highcommodification.Thisarticledealswiththedescription and analysis of levels of economiccompressionfromchildhood and theactors and processesthatshapestheeconomicsocialization, defined as a process of learningpatterns of interactionwiththeeconomicworld (DENEGRI et al., 2004). Basedon a Piagetianconstructivist approach, a model of economic and financialeducationisproposedthatarticulate eswiththerequirements of citizeneducation. Itconcludeswithreflectionsontheimportance of economic and financialeducationforthedevelopment of a critically and economicallyempoweredcitizenshipfromchildhood.
Downloads
Article Details
The published works are the property of their authors, who may make use of them for subsequent publications, always including the original edition (original title, Ensino em Re-Vista, volume, number, pages). All articles in this journal are the sole responsibility of their authors, and no legal responsibility for their content rests with the Journal or EDUFU.
References
AMAR, J.; ABELLO,R.; DENEGRI, M. El desarrollo de conceptos económicos en niños y adolescentes colombianos y su interacción con los sectores educativo y calidad de vida. Informe Final Proyecto COLCIENCIAS, n. 12, 2001.
______ et al. Pensamiento económico de los niños colombianos. Colombia: Ediciones Uninorte, 2002.
______ et al. Desarrollo del pensamiento económico en niños de la región caribe colombiana. Revista latinoamericana de psicologia, Colômbia, v. 35, n. 1, p. 7-18, 2003.
ARAUJO, R. Alfabetização Econômica: compromisso social na educação das crianças. São Bernardo do Campo: Editora Universidade Metodista de São Paulo, 2009.
BATRA, R.; HOMER, P.; KAHLE, L. Values, susceptibility to normative influence, and attribute importance weights: a nomological analysis.Journal of Consumer Psychology, v. 11, n. 2, p. 115–128, 2001.
BAUMANN, Z. Vida de consumo.Buenos Aires: Fondo de CulturaEconómica, 2007.
BERNHEIM, D.; GARRETT, D.;MAKI, D. Education and saving: The long-term effects of high school financial curriculum mandates. Journal of Public Economics, n. 85, p. 435-565, 2001.
BERTI, A. E.; BOMBI, A. S.The child`s construction of economics. Cambridge: Cambridge University Press, 1988.
______.; GRIVET, A. The development of economic reasoning in children from 8 to 13 years old: Price Mechanism. Contributi di Psicologia, n. 3, p. 37-47, 1990.
BRAUNSTEIN, S. Director Division of Consumer and Community Affairs, Before the Committee on Financial Services, U.S. House of Representatives. Consultado en: http://www.federalreserve.gov/newsevents/testimony/ braunstein20080415a.htm, 2008.
BUKSTEIN, M. Relación entre alfabetización económica, prácticas del uso del dinero y hábitos de consumotelevisivo en preadolescentes (tweens) de Temuco. Tesis (Magíster en Psicología) -Universidad de La Frontera, Temuco, Chile, 2007.
CLARKE, M. C.; HEATON, M.B.,; ISRAELSEN, C. L.; EGGETT, D.L. The acquisition of family financial roles and responsibilities.Family and Consumer Sciences Research Journal, v. 33, p. 321-340, 2005.
COHEN, M.; CANDACE, N. Financial Literacy: a step for clients towards financial inclusion.Microcredit Summit Campaign.Microfinance Opportunities, 2011.
COLE, S.; SAMPSON, T.; ZIA, B. Prices or Knowledge? What Drives Demand for Financial Services in Emerging Markets? HBS Working Papers-forthcoming in The Journal of Finance v. 9, n. 11, 2010.
COLLINS, W. A.; STEINBERG, L. Adolescent development in interpersonal context. In: W. DAMON, R.; LERNER, W. (Eds.). Social, emotional, and personality development.Handbook of Child Psychology.New York: Wiley, 2006.P. 1003-1067.
CONSEJO NACIONAL DE TELEVISIÓN [CNTV] y MCCANN –ERICSSON. Informe 8/13: LostweensChilenos.Maval. Santiago, 2003.
CONSEJO NACIONAL DE TELEVISIÓN [CNTV]. Zoom Tweens. Estudios Cualitativos. Santiago de Chile. CNTV, 2004.
DEL VALLE, C. La producción de comunicación (medial) en contextos educativos interculturales.Revista Educación y Humanidades,v. 9, p. 27-37, 2000.
______. La comunicación mediática. Problemas epistemológicos y pragmáticos en la cobertura y tratamiento de contenidos de interés social. Tercer Milenio -Revista de Comunicación y Periodismo,v. 8, p. 18-20, 2003.
DENEGRI, M.El desarrollo de las ideas acerca de la emisión monetaria en niños y adolescentes: estudio exploratorio. Revista del Instituto de Ciencias de la Educación, n. 9, enero-abril, p. 47-62,1995a.
______.El desarrollo de las ideas acerca del origen y circulacióndel dinero: un estudio evolutivo con niños y adolescentes. Ediciones Universidad Autónoma de Madrid. España, 1995b.
______. Psicogénesis de las ideas en torno a la relación Estado-economía.In: GUZMÁN,L.(Ed.) Exploraciones en Psicología Política. Universidad Diego Portales: Santiago, 1997.
______. Proyectos de aula interdisciplinarios y reprofesionalización de profesores: un modelo de capacitación. Estudios Pedagógicos, v. 31, n. 1, p. 35-50, 2005.
______ et al. Desarrollo del pensamiento económico en la infancia y adolescencia.Boletín de Investigación Educacional, v. 13, p. 291-308, 1998.
______et al. Informe Final Proyecto Fondecyt, n. 1970364. Fondo Nacional de Ciencia y Tecnología. Santiago, Chile, 2000.
______etal. Socialização econômica em famílias chilenas de classe média: educando cidadãos ou consumidores?Psicologia&Sociedade, Belo Horizonte, v. 17, n. 2, p. 88-98, 2005.
______ et al. Prácticas de ahorro y uso del dinero en pre adolescentes (tweens) chilenos.Revista UNIVERSUM, v. 23, n. 1, p. 24-38, 2008.
______et al. Educación Económica y Financiera para la formación inicial de profesores. In: SEPÚLVEDA, J. (Ed.). Herramientas conceptuales y didácticas. Chile: Ediciones Universidad de La Frontera, 2014.
______.; GEMPP, R.; MARTÍNEZ, G. Estrategias de Socialización Económica en Familias de Clase Alta y Media-Alta y su impacto en las prácticas de uso del dinero de los hijos.Boletín de Investigación Educacional, v. 20, n. 2, p.41 -60, 2005.
______.;MARTÍNEZ, G. ¿Ciudadanos o consumidores? Aportes constructivista a la educación para el consumo. PAIDEIA -Revista de Educación, RibeirãoPreto, v. 37, p. 101-116, 2004.
______.; ______.;ETCHEBARNE, S. La comprensión del funcionamiento bancario en adolescentes chilenos: un estudio de psicología económica. Interdisciplinaria, v. 24, n. 2, p. 137-160, 2007.
DONGO-MONTOYA, A. La teoría del aprendizaje de Piaget y sus consecuencias para la praxis educativa. Revista IIPSI, v. 11, n. 1, p. 167-181, 2008.
FRIEDLINE, T.; ELLIOTT, W. Connections with banking institutions and diverse asset portfolios in young adulthood: children as potential future investors.Children and Youth Services Review, v. 35, n. 6, p. 994-1006, 2013.
FURTH, H.G. The world of grown -ups. Children`s conceptions of society. Nueva York: Elsevier North Holland, 1980.GEMPP, R. et al. Medición de la alfabetización económica en niños: una aplicación del modelo de crédito parcial.RevistaPsykhe, v. 15, n. 1, p. 13-28, 2006.
GERARDI, K.; GOETTE L.; MEIER, S. Financial literacy and subprime mortgage delinquency: evidence from a survey matched to administrative data.Working Paper-Federal Reserve Bank of Atlanta, April, 2010.
Disponívelem:https://www.frbatlanta.org/-/media/documents/research/publications/wp/2010/wp1010.pdf.
HILGERT, M. A.; HOGARTH, J. M.; BEVERLY, S. G. Household Financial Management: The Connection between Knowledge and Behavior.Federal Reserve Bulletin,v. 89, n. 7, p. 309-322, 2003.
JAHODA, G. European lag in the development of an economic concept: astudy in Zimbabwe. British Journal of Developmental Psychology, n. 1, p. 113-120, 1983.
JAHODA, G. The development of thinking about socio-economic systems. In: TAJFEL, H. (Ed.). The social dimension.Vol.I, Cambridge: Cambridge University Press, 1984.
JAPELLI, T. Economic Literacy: an International comparison. Centre for studies in economics and finance,University of Salerno, n. 238, 2009.
JOHNSON, M; SHERRADEN, M.From Financial Literacy to Financial capability Among Youth. The Journal of Sociology & Social Welfare, v. 34, n. 3, 2007.
KHAN, S.; NARU, A. Modernizing economic education in the global economy with reference to Pakistan.Journal of Asian Economics, v. 17, n. 5, p. 904-922, 2006.
KRETSCHMER, T; PIKE, A. Links between nonshared friendship experiences and adolescent siblings' differences in aspirations. Journal of Adolescence, v. 33, n. 1, p. 101-10, 2009.
KOTLIKOFF, L.J.; BERNHEIM, B.D. Household financial planning and financial literacy. In: KOTLIKOFF, L.J. (Ed.) Essays on saving, bequests, altruism, and life-cycle planning.Cambridge, MA: MIT Press, 2001.p. 427-478.
LUSARDI, A. U.S. Household savings behavior: the role of financial literacy, information and financial education programs. In: FOOTE, C.; GOETTE, L.; MEIER, L. (Eds.). Policymaking Insights from Behavioral Economics. Boston: Federal Reserve Bank of Boston, 2009. p.109-149.
______.;MITCHELL, O. Baby boomer retirement security: the roles of planning, financial literacy, and housing wealth. Journal of Monetary Economics, v. 54, n. 1, p. 205-224, 2007.
______.; ______. The economic importance of financial literacy.Theory and evidence: National Bureau of Economic Research, 2013.
______.; TRUFANO, P. Debt literacy, financial experiences, and over indebtedness. NBER Working Paper, n. 14808, 2009.
LYONS, A.A profile of financially at-risk college students.The Journal of Consumer Affairs, v. 38, p. 56-80, 2004.
______. SCHERPF, E.; ROBERTS, H. Financial Education and Communication between Parents and Children.Journal of Consumer Education, v. 23, p. 64–76, 2006.
LLANOS, M. et al. Aprendiendo a comprender el mundo económico. Ediciones Uninorte. Colombia, 2008.
MASHE, J.G. Explanation of normative declines in parents' knowledge about their adolescent children.Journal of Adolescence, v. 33, n. 2, p. 271-284, 2010.
MORI, E.; LEWIS, A. Money in the contemporary family. Nestle Family Monitor, v. 20, n. 3, p. 21, 2001.
MOORE, D. Survey of financial literacy in Washington State: knowledge, behavior, attitudes, and experiences. Washington State University: Social and Economic Sciences Research Center, 2003.
MURPHY, D.; YETMAR, S. Personal financial planning attitudes: A preliminary study of graduate students.Management Research Review, v. 33, n. 8, p. 811-817, 2010.
NATIONAL ENDOWMENT FOR FINANCIAL EDUCATION (NEFE). What is the NEFE high school financial planning program? 2004. Disponível em: http://www.nefe.org/hsfppportal/includes/main/home.asp?portal=4&page=4000#evaluation2, 2004.Acesso em: 03 de Abril de 2006.
NEYMOTIN, F. Linking self-esteem with the tendency to engage in financial planning.Journal of Economic Psychology, v. 31, n. 6, p. 996-1007, 2010.
NORVILITIS, J.; SANTA MARÍA, P. Credit card debt on college campuses: causes, consequences,and solutions.College Student Journal, v. 36, p. 356-364, 2002.
______.; et al. Personality Factors, Money Attitudes,Financial Knowledge, and Credit-Card Debt in College Students. Journal of Applied Social Psychology, v. 36, p. 1395–1413, 2006.
______.; SAZBLICKI, J.; WILSON, S. Factors Influencing Levels of Credit-Card Debt inCollege Students.Journal of Applied Social Psychology, v. 33, n.5, p. 935-947, 2003.
ORGANISATION FOR ECONOMIC CO-OPERATION AND DEVELOPMENT [OECD] Improving financial literacy: analysis of issues and policies.OECD Publishing, 2005a.
______. Recommendation on Principles and Good Practices for Financial Education and Awareness. OECD Publishing,Directorate for Financial and Enterprise Affairs, 2005b.
______. Improving Financial Education and Awareness on Insurance and Private Pensions.OECD Publishing, 2008.
______.Financial literacy and consumer protection: overlooked aspects of the crisis. 2009. Disponível em:http://www.financial-education.org/dataoecd/32/3/43138294.pdf.
______.Closing the Gender Gap: Act now. OECD Publishing, 2012.
______.PISA 2012 Results -Students and Money: Financial Literacy Skills for the 21st Century. V. IV. PISA: OECD Publishing, 2014.
OYSERMAN, D.; DESTIN, M. Identity-based motivation: Implications for intervention.The Counseling Psychologist,v. 38, p. 1001–1043, 2010.
OZGEN, O. An analysis of child consumers in Turkey.International Journal of Consumer Studies, v. 27, p. 366-380, 2003.
PAGE, C.; RIDGWAY, N.The impact consumer environments on consumption patternson children from disparate socioeconomic backgrounds.Journal of Consumer Marketing, v. 18, p. 21-40, 2001.
PIAGET, J. El criterio moral en el niño. Barcelona: Fontanella, 1971.
______. Desarrollo y aprendizaje. In:Piaget rediscovered: a report of the Conference on cognitive studies and curriculum development. Ithaca: Cornell Univ. Press, 1964.p. 7-20.
______.Fondements scientifiques pour l'éducation de demain.Perspectives:revue trimestrielle de l'éducation,París, v. 2, n. 1, p. 13-30, 1972.
______. Estudios Sociológicos. Editorial: Planeta Agostini, Barcelona, 1986.
PROGRAMA DE LAS NACIONES UNIDAS PARA EL DESARROLLO [PNUD]. Desarrollo humano en Chile: la manera de hacer las cosas.Chile: PNUD, 2009.
SALEMI, M.K. Teaching economic literacy: Why, what and how. International Review of Economics Education, v. 4, p. 46-57, 2005.
SANTOMERO, A. Knowledge is power: the importance of economic education. Business Review, v. 5, n. 1, 2003.
SCHUG, M. Economic education across the curriculum.Bloomington: Phi Delta Kappa Educational Foundation, 1982.
SCHUG, M.; HAGEDORN, E. The money savvy pig tm goes to the big city: testing the effectiveness of an economics curriculum four young children. The Social Studies, v. 96, n. 2, p. 68-71, 2005.
SUITER, M. et al.The math factory. In: GRENIER, M. P. (Ed),Mathematics & economics: connections for life, grades 3-5. New York: National Council on Economic Education, 2005.p. 57-68.
THALER, R.; SUNSTEIN, C. Nudge: improving decisions about health, wealth, and happiness. New Haven: Yale University Press, 2008.
WOOTEN, D.; REED, A. Playing it safe: susceptibility to normative influence and protective self-presentation. Journal of consumer research, v. 31, n. 3, p.551-556, 2004.
VAN ROOIJ, M.; LUSARDI.A; ALESSIE, R.Financial literacy and stock market participation. Documento de Trabajo. Ann Arbor, MI: University of Michigan Retirement Research Center, 2007. Disponível em: http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp162.pdf.
ZMUDA, N. Coca Cola launches global music effort to connect with teens-advertisingage. Disponível em: http://adage.com/article/global-news/coca-cola-launches-global-music-effort-connect-teens/149204/.