<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1413-2478</journal-id>
<journal-title><![CDATA[Revista Brasileira de Educação]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. Bras. Educ.]]></abbrev-journal-title>
<issn>1413-2478</issn>
<publisher>
<publisher-name><![CDATA[ANPEd - Associação Nacional de Pós-Graduação e Pesquisa em Educação]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1413-24782022000100262</article-id>
<article-id pub-id-type="doi">10.1590/s1413-24782022270098</article-id>
<title-group>
<article-title xml:lang="pt"><![CDATA[Heurísticas nas tomadas de decisões de estudantes do ensino médio diante de situações financeiras]]></article-title>
<article-title xml:lang="en"><![CDATA[HEURISTICS IN THE DECISION MAKING OF HIGH SCHOOL STUDENTS WHEN FACED WITH FINANCIAL SITUATIONS]]></article-title>
<article-title xml:lang="es"><![CDATA[LA HEURíSTICA EN LA TOMA DE DECISIONES DE ESTUDIANTES SECUNDARIOS FRENTE A SITUACIONES FINANCIERAS]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Silva]]></surname>
<given-names><![CDATA[Jessica Barbosa da]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Lautert]]></surname>
<given-names><![CDATA[Síntria Labres]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidade Federal de Pernambuco  ]]></institution>
<addr-line><![CDATA[Recife PE]]></addr-line>
<country>Brasil</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2022</year>
</pub-date>
<volume>27</volume>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://educa.fcc.org.br/scielo.php?script=sci_arttext&amp;pid=S1413-24782022000100262&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://educa.fcc.org.br/scielo.php?script=sci_abstract&amp;pid=S1413-24782022000100262&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://educa.fcc.org.br/scielo.php?script=sci_pdf&amp;pid=S1413-24782022000100262&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="pt"><p><![CDATA[RESUMO Este trabalho apresenta os resultados de um estudo que teve como objetivo investigar como se dá a tomada de decisão de estudantes do ensino médio ante situações financeiras. Para tal, 99 estudantes foram solicitados a resolver quatro situações financeiras fictícias que exigiam uma tomada de decisão e, posteriormente, responderam a uma entrevista individual. Os resultados revelaram que as heurísticas de ancoragem, afeto, contabilidade mental e aversão à perda estão presentes nas decisões dos estudantes, sendo as heurísticas de afeto e aversão à perda mais frequentes em suas decisões. Constatou-se, ainda, que a natureza da situação financeira teve efeito nas heurísticas mobilizadas pelos estudantes. Conclui-se que nem sempre as decisões dos estudantes estão pautadas apenas nos cálculos matemáticos, então é necessário problematizar sobre o que os leva a tomar determinadas decisões e como as heurísticas e vieses cognitivos podem influenciá-los.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT This work presents the results of a study that aimed to investigate the decision making of high school students when facing financial situations. For this, 99 students were asked to resolve four fictitious financial situations that required decision making, and subsequently responded to an individual interview. The results revealed that the anchoring, affection, mental accounting and loss aversion heuristics are present in the students&#8217; decisions, affection and loss aversion heuristics being more frequent in their decisions. It was also found that the nature of the financial situation had an effect on the heuristics mobilized by the students. The conclusion was that students&#8217; decisions are not always based only on mathematical calculations, so it is necessary to discuss what leads them to make certain decisions and how heuristics and cognitive biases can influence them.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN Este artículo presenta los resultados de un estudio que tuvo como objetivo investigar cómo se produce la toma de decisiones de los estudiantes de secundaria con relación a situaciones financieras. Para ello, se solicitó a 99 estudiantes que resolvieran cuatro situaciones financieras ficticias que requerían toma de decisiones y posteriormente respondieron a una entrevista individual. Los resultados revelaron que las heurísticas de anclaje, afecto, contabilidad mental y aversión a la pérdida están presentes en las decisiones de los estudiantes, siendo las heurísticas de afecto y aversión a la pérdida más frecuentes en sus decisiones. También se encontró que la naturaleza de la situación financiera tuvo un efecto sobre las heurísticas movilizadas por los estudiantes. Se concluye que las decisiones de los estudiantes no siempre se basan únicamente en cálculos matemáticos, por lo que es necesario discutir qué les lleva a tomar determinadas decisiones y cómo las heurísticas y sesgos cognitivos pueden influir en ellos.]]></p></abstract>
<kwd-group>
<kwd lng="pt"><![CDATA[tomada de decisão]]></kwd>
<kwd lng="pt"><![CDATA[heurísticas]]></kwd>
<kwd lng="pt"><![CDATA[educação financeira]]></kwd>
<kwd lng="en"><![CDATA[decision making]]></kwd>
<kwd lng="en"><![CDATA[heuristics]]></kwd>
<kwd lng="en"><![CDATA[financial education]]></kwd>
<kwd lng="es"><![CDATA[toma de decisiones]]></kwd>
<kwd lng="es"><![CDATA[heurística]]></kwd>
<kwd lng="es"><![CDATA[educación financiera]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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