Desafios da implementação da educação financeira no ensino básico: uma análise sob a ótica dos professores

Abstract

Financial Education became mandatory in schools with the approval of the Brazilian National Common Curricular Base (BNCC), aiming to promote citizenship and the development of conscious financial decision-making. However, the implementation of this subject still faces several difficulties within the school environment. In this context, this study aimed to analyze the main challenges and obstacles encountered in the process of implementing Financial Education in schools. To achieve this objective, an exploratory study with a qualitative approach was conducted through the application of a structured online questionnaire. The convenience sample consisted of nineteen teachers working in six educational institutions in the municipality of Governador Valadares. The results indicate that the application of the interdisciplinarity proposed by the BNCC is still far from the reality of the schools surveyed. It was found that many teachers consider their preparation insufficient due to limitations in initial training and the lack of continuing education programs. Furthermore, Financial Education remains concentrated mainly in the Mathematics subject, being addressed in an isolated and occasional manner. Among the main challenges pointed out by the teachers are the lack of time to cover the curriculum, the absence of specific training, and the shortage of adequate teaching materials. It is concluded that the mandatory nature established by legislation alone does not guarantee the effective implementation of Financial Education in schools without proper pedagogical and institutional support. This study contributes by highlighting the gap between normative requirements and school practice, reinforcing the need for more effective teacher training strategies.