Uma análise comparativa qualitativa fuzzy de padrões e relações em variáveis financeiras

Abordagem de conhecimento e habilidades financeiras

Autores

DOI:

https://doi.org/10.34024/prometeica.2025.32.19752

Palavras-chave:

Conhecimento financeiro, habilidades financeiras, alfabetização financeira, PCA, fsQCA

Resumo

Este estudo analisou comparativamente as variáveis que moldam o conhecimento e as habilidades financeiras usando a análise de componentes principais (PCA) e a análise comparativa qualitativa de conjuntos difusos (fsQCA). Usando dados de 1.837 adultos em Bogotá e Cundinamarca, Colômbia, identificou fatores-chave como o valor do dinheiro no tempo, lucratividade, regulamentações financeiras, taxas de juros, estratégias de poupança, planejamento de aposentadoria, seguro, acesso ao crédito e oportunidades de investimento. Essas variáveis são essenciais para melhorar a educação e as capacidades financeiras.
A abordagem combinada de PCA e fsQCA revelou padrões significativos e relações complexas entre as variáveis, destacando como suas combinações contribuem para decisões e resultados financeiros mais eficazes. Esse referencial metodológico proporciona uma compreensão abrangente dos determinantes do conhecimento e das habilidades financeiras, fundamentando a interação entre educação financeira e competências práticas.
Os resultados têm implicações práticas, sugerindo o desenho de programas educacionais que transcendem o conhecimento teórico e fortalecem as habilidades reais de gestão financeira. Esses programas podem promover a independência financeira e o bem-estar econômico, respondendo às necessidades específicas de diferentes contextos sociais e econômicos.

Métricas

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Biografia do Autor

  • Jheisson Andres Abril Teatin, Universidad Católica de la Santísima Concepción

    Doutoranda em Administração pela Universidade Católica da Santa Conceição. Mestre em Administração Organizacional pela Universidade Pedagógica e Tecnológica da Colômbia. Especialista em Gestão Financeira pela UNITEC. Contador Público pela Universidade Pedagógica e Tecnológica da Colômbia. Com experiência na gestão de grupos de pesquisa e na criação e acompanhamento de projetos de pesquisa pelos Grupos de Pesquisa em Estudos Empresariais em Ambientes Incertos, Estudos Regionais Julio Flores e Grupo de Pesquisa Eugene Fama da UPTC.

  • Jorge Enrique Romero-Muñoz, Pedagogical and Technological University of Colombia

    Professor Assistente da Escola de Administração de Empresas da Universidade Pedagógica e Tecnológica da Colômbia. Possui mestrado em Administração de Empresas pela Universidad Externado de Colombia, especialista em Finanças pela Universidade Pedagógica e Tecnológica da Colômbia e graduação em Administração de Empresas pela Universidade Pedagógica e Tecnológica da Colômbia. Coordenador da área financeira de graduação e pós-graduação. Com experiência como empreendedor e investigador dos grupos de investigação, Grupo de Investigação em Finanças e Economia Financeira "Eugène Fama" e do Grupo de Investigação em Estudos Empresariais em Ambientes Incertos "EEENI" da UPTC. Com publicações de artigos científicos, livros, capítulos de livros e anais de congressos. Com interesse em temas relacionados à educação financeira, gestão, empreendedorismo e estratégia.

  • Fabio Blanco-Mesa, Pedagogical and Technological University of Colombia

    Professor da Escola de Administração de Empresas da Universidade Pedagógica e Tecnológica da Colômbia. Doutoramento Internacional em Negócios pelo Departamento de Economia e Organização Empresarial da Universidade de Barcelona. É Mestre em Pesquisa em Negócios, Finanças e Seguros e Mestre em Gestão de Negócios Esportivos pela Universidade de Barcelona e Licenciado em Administrador Esportivo pela Universidade Distrital Francisco José de Caldas. Especialista em tomada de decisão em condições de incerteza. Com experiência em atividades de pesquisa internacional, gestão de grupos de pesquisa e docência. Com várias publicações de artigos científicos em revistas internacionais, capítulos de livros e atas de conferências, tais como: Knowledge Based-Systems, Applied Soft Computing, Journal of Intelligent & Fuzzy Systems, International Journal of Intelligent Systems, Kybernetes, Journal Computational Optimization in Economics and Finance, Innovation in Service Firms: Perspective from Innovative Behaviour, European Journal of International Management, CIMBAGE Notebooks, Matemática Aplicada e Inteligência Computacional, Computação Econômica e Estudos e Pesquisas em Cibernética Econômica, Revisão Econômica Fuzzy, Soft Computing em Gestão e Economia Empresarial, Desenvolvimento Tecnológico e Econômico da Economia, Avanço em Sistemas de Inteligência e Computação, Soft Computing em Gestão e Economia Empresarial. Além disso, desenvolvimento de tarefas de revisão, controle e verificação para diferentes periódicos internacionais. Com interesse em questões relacionadas à tomada de decisão, competitividade, stakeholders, empreendedorismo, desenvolvimento regional, análise estratégica, sistemas fuzzy e operadores de agregação aplicados à gestão, incerteza e bibliometria.

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Prometeica v.32

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Publicado

2025-10-04

Edição

v. 32 (2025): Prometeica - v 32 (03/2025 - 12/2025)

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Artigos

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Copyright (c) 2025 Jheisson Andres Abril Teatin, Jorge Enrique Romero-Muñoz, Fabio Blanco-Mesa

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Este trabalho está licenciado sob uma licença Creative Commons Attribution-NonCommercial 4.0 International License.

Direitos Autorais: Prometeica permite que o (s) autor (es) mantenha seus direitos autorais sem restrições. Prometeica permite que o (s) autor (es) conservem seus direitos de publicação sem restrições. Os autores devem garantir que o artigo é um trabalho original sem fabricação, fraude ou plágio; não infringe nenhum direito autoral ou direito de propriedade de terceiros. Os autores também devem garantir que cada um atendeu aos requisitos de autoria conforme recomendação do ICMJE e entendem que, se o artigo ou parte dele for falho ou fraudulento, cada autor compartilha a responsabilidade.

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Prometeica - Revista de Filosofía e Ciências é regida pela licença CC-By-NC

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Manutenção de direitos

Prometeica permite que o (s) autor (es) mantenha seus direitos autorais sem restrições.

Prometeica permite que o (s) autor (es) conservem seus direitos de publicação sem restrições.

 

Como Citar

Abril Teatin, J. A., Romero-Muñoz, J. E., & Blanco-Mesa, F. (2025). Uma análise comparativa qualitativa fuzzy de padrões e relações em variáveis financeiras: Abordagem de conhecimento e habilidades financeiras. Prometeica - Revista De Filosofia E Ciências, 32, e19752 (1-25). https://doi.org/10.34024/prometeica.2025.32.19752