Livros de finanças pessoais de autores brasileiros e norte-americanos: uma análise comparativa e explicativa dos best-sellers da área (2010 - 2019)
Data
2019-12-02
Autores
Silva, Flávia Maira 
Orientadores
Sayed, Samir
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
A educação financeira é um fator importante, que permite aos indivíduos administrarem melhor suas finanças pessoais e terem melhor qualidade de vida. O presente trabalho procurou comparar os livros mais vendidos de autores brasileiros e norte-americanos de finanças pessoais com intuito de identificar (ou não) algum tipo de padrão nas respectivas literaturas e possíveis explicações para os fenômenos identificados. O estudo tem caráter descritivo, comparativo e explicativo, utilizando a técnica de Análise de Conteúdo de Clarence Bardin (2006), A codificação utilizada baseando-se na estrutura conceitual do Planejamento Financeiro Pessoal (CFP – Certified Financial Planner) do Financial Planning Standards Board Ltd.(FPSB) que contém seis pontos de um planejamento financeiro pessoal (planejamento financeiro, gestão de ativos e investimentos, planejamento fiscal, planejamento de aposentadoria, planejamento de riscos e seguros e planejamento sucessório). Especificamente foram efetuadas análises das capas, dos títulos, dos índices e dos conteúdos dos capítulos. O estudo tem suas hipóteses baseadas em dados oficiais de acesso ao mercado financeiro, na dificuldade financeira das populações, nos níveis de educação financeira (financial literacy) das populações e no trabalho de Saleh e Saleh (2013): o foco da literatura de autores norte-americanos tenderia a ser em gestão de ativos e investimentos, dados os maiores níveis de pessoas que investem no mercado financeiro e maior nível de educação financeira enquanto que o foco da literatura de autores brasileiros seria em planejamento financeiro, dados os maiores níveis de dificuldade financeira de sua população, os baixos índices de população que investem no mercado bem como devido aos menores níveis de educação financeira. Os resultados rejeitaram parcialmente as hipóteses levantadas, já que em ambas as literaturas o foco se deu em gestão de ativos e investimentos, porém a amplitude para a codificação planejamento financeiro nos autores brasileiros é significativamente menor que nos norte-americanos. Argumentamos que esses resultados podem indicar que o tema de pode ser explicado pelo fato dos consumidores desse tipo de literatura têm interesse direto no tocante aos temas ligados a essa codificação e estão inseridos (ou pretendendo se inserir) no mercado de investimentos financeiros, sobretudo o de capitais, tendo capital disponível para esse fim, buscando assim conhecimento específico nessa codificação. Outra forma de interpretação estaria em um certo grau de mimetismo por parte da literatura oriunda de autores brasileiros, que poderia entender o mercado norte-americano como modelo (de sucesso) ou influência direta dos autores e livros deste país cuja literatura é mais antiga e robusta.
Financial education is an important factor that enables individuals to better manage their personal finances and have a better quality of life. The present work sought to compare the bestselling books by Brazilian and American authors of personal finance in order to identify (or not) some kind of pattern in their literature and possible explanations for the identified phenomena. The study has a descriptive, comparative and explanatory character, using Clarence Bardin's (2006) Content Analysis technique. The coding used based on the Financial Planning Standards Board Ltd (CFP) conceptual framework. (FPSB) which contains six points of personal financial planning (financial planning, asset and investment management, tax planning, retirement planning, risk and insurance planning, and succession planning). Specifically, analyzes were made of the covers, titles, indexes and chapter contents. The study has its hypothesis based on official data of access to the financial market, the financial difficulties of the populations, the levels of financial literacy of the populations and the work of Saleh and Saleh (2013): the focus of the north authors literature. Americans would tend to be in asset management and investment given the higher levels of people investing in the financial market and higher level of financial education whereas the focus of Brazilian authors literature would be on financial planning given the higher levels of financial difficulty of its population, the low population indices that invest in the market as well as due to lower levels of financial education. The results partially rejected the hypotheses raised, since in both literature the focus was on asset management and investments, but the scope for coding financial planning in Brazilian authors is significantly smaller than in the US. We argue that these results may indicate that the subject of can be explained or the fact that consumers of this type of literature have a direct interest in the themes related to this codification and are inserted (or intending to insert) in the financial investment market, especially the having available capital for this purpose, thus seeking specific knowledge in this codification. Another form of interpretation would be to some degree of mimicry by the literature from Brazilian authors, who could understand the North American market as a (successful) model or direct influence of the authors and books of this country whose literature is older and more robust.
Financial education is an important factor that enables individuals to better manage their personal finances and have a better quality of life. The present work sought to compare the bestselling books by Brazilian and American authors of personal finance in order to identify (or not) some kind of pattern in their literature and possible explanations for the identified phenomena. The study has a descriptive, comparative and explanatory character, using Clarence Bardin's (2006) Content Analysis technique. The coding used based on the Financial Planning Standards Board Ltd (CFP) conceptual framework. (FPSB) which contains six points of personal financial planning (financial planning, asset and investment management, tax planning, retirement planning, risk and insurance planning, and succession planning). Specifically, analyzes were made of the covers, titles, indexes and chapter contents. The study has its hypothesis based on official data of access to the financial market, the financial difficulties of the populations, the levels of financial literacy of the populations and the work of Saleh and Saleh (2013): the focus of the north authors literature. Americans would tend to be in asset management and investment given the higher levels of people investing in the financial market and higher level of financial education whereas the focus of Brazilian authors literature would be on financial planning given the higher levels of financial difficulty of its population, the low population indices that invest in the market as well as due to lower levels of financial education. The results partially rejected the hypotheses raised, since in both literature the focus was on asset management and investments, but the scope for coding financial planning in Brazilian authors is significantly smaller than in the US. We argue that these results may indicate that the subject of can be explained or the fact that consumers of this type of literature have a direct interest in the themes related to this codification and are inserted (or intending to insert) in the financial investment market, especially the having available capital for this purpose, thus seeking specific knowledge in this codification. Another form of interpretation would be to some degree of mimicry by the literature from Brazilian authors, who could understand the North American market as a (successful) model or direct influence of the authors and books of this country whose literature is older and more robust.
Descrição
Citação
SILVA, Flávia Maira. Livros de finanças pessoais de autores brasileiros e norte-americanos: uma análise comparativa e explicativa dos best-sellers da área (2010 - 2019). 2019.Trabalho de Conclusão de Curso (Bacharelado em Ciências Econômicas) - Escola Paulista de Política, Economia e Negócios, Universidade Federal de São Paulo, Osasco, 2019.