<?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>2238-2097</journal-id>
<journal-title><![CDATA[Revista de Educação Pública]]></journal-title>
<abbrev-journal-title><![CDATA[R. Educ. Públ.]]></abbrev-journal-title>
<issn>2238-2097</issn>
<publisher>
<publisher-name><![CDATA[Universidade Federal de Mato Grosso, Instituto de Educação, Programa de Pós-Graduação em Educação]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2238-20972022000100140</article-id>
<article-id pub-id-type="doi">10.29286/rep.v31ijan/dez.12701</article-id>
<title-group>
<article-title xml:lang="pt"><![CDATA[Educação financeira aplicada a servidores da educação em uma escola pública]]></article-title>
<article-title xml:lang="en"><![CDATA[Financial education applied to education employees in a public school]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[COLVERO]]></surname>
<given-names><![CDATA[Diogo Appel]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[ALVES]]></surname>
<given-names><![CDATA[Fleide Wilian Rodrigues]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidade Federal de Goiás  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Brasil</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidade Federal de Goiás  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Brasil</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>01</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>01</month>
<year>2022</year>
</pub-date>
<volume>31</volume>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://educa.fcc.org.br/scielo.php?script=sci_arttext&amp;pid=S2238-20972022000100140&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://educa.fcc.org.br/scielo.php?script=sci_abstract&amp;pid=S2238-20972022000100140&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://educa.fcc.org.br/scielo.php?script=sci_pdf&amp;pid=S2238-20972022000100140&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo O Brasil vive um momento de instabilidade econômica. Diante disso, o objetivo deste estudo foi, através da educação financeira, apresentar estratégias para que as pessoas eliminassem suas dívidas, poupassem e investissem seus excedentes financeiros. Para isso, foi ofertado um curso de educação financeira para um grupo de servidores de uma escola municipal de Goiânia, Goiás. Finalizada a formação, observou-se que os participantes passaram a controlar melhor suas finanças, diminuíram suas dívidas e passaram a guardar suas economias. Verificou-se que a educação financeira apresenta ferramentas e estratégias que permitem às pessoas fazer uma gestão saudável e responsável das suas finanças.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Brazil is experiencing a time of economic instability. Therefore, the aim of this study was, through financial education, to present strategies to eliminate people&#8217;s debts, save and invest their financial surpluses. So, a financial education course was offered to a group of employees of a municipal school in Goiânia, Goiás. After the training, it was observed that the participants began to control their finances better, decreased their debts, and began to constitute and invest their savings. It was found that financial education presents tools and strategies that allows public to make a healthy and responsible finance control.]]></p></abstract>
<kwd-group>
<kwd lng="pt"><![CDATA[Educação financeira]]></kwd>
<kwd lng="pt"><![CDATA[Controle das Finanças]]></kwd>
<kwd lng="pt"><![CDATA[Economizar]]></kwd>
<kwd lng="pt"><![CDATA[Investir]]></kwd>
<kwd lng="en"><![CDATA[Financial Education]]></kwd>
<kwd lng="en"><![CDATA[Finance Control]]></kwd>
<kwd lng="en"><![CDATA[Saving]]></kwd>
<kwd lng="en"><![CDATA[Investing]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[ACORDI]]></surname>
<given-names><![CDATA[FPC]]></given-names>
</name>
</person-group>
<source><![CDATA[Finanças pessoais, endividamento familiar e qualidade de vida do servidor]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[ALVES]]></surname>
<given-names><![CDATA[FWR]]></given-names>
</name>
</person-group>
<source><![CDATA[Aposentadoria: o novo começo, expectativa e realidade]]></source>
<year>2016</year>
</nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[ANNEGUES]]></surname>
<given-names><![CDATA[AC]]></given-names>
</name>
<name>
<surname><![CDATA[PORTO JÚNIOR]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
<name>
<surname><![CDATA[FIGUEIREDO]]></surname>
<given-names><![CDATA[E]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Tamanho da turma e desempenho acadêmico dos universitários: evidência para a UFPB]]></article-title>
<source><![CDATA[Estudos econômicos]]></source>
<year>2020</year>
<volume>50</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="">
<collab>BACEN. Banco Central do Brasil</collab>
<source><![CDATA[Relatório de Cidadania Financeira 2018]]></source>
<year>2018</year>
</nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="">
<collab>BACEN. Banco Central do Brasil</collab>
<source><![CDATA[Relatório de Cidadania Financeira 2021]]></source>
<year>2021</year>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[BARDIN]]></surname>
<given-names><![CDATA[L]]></given-names>
</name>
</person-group>
<source><![CDATA[Análise de conteúdo]]></source>
<year>2007</year>
<publisher-name><![CDATA[Edições 70]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[BOGDAN]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
<name>
<surname><![CDATA[BIKLEN]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
</person-group>
<source><![CDATA[Investigação qualitativa em educação - uma introdução à teoria e aos métodos]]></source>
<year>1994</year>
<publisher-name><![CDATA[Porto Editora]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="">
<collab>BRASIL</collab>
<source><![CDATA[Decreto nº 10.393, de 9 de junho de 2020: Institui a nova Estratégia Nacional de Educação Financeira - ENEF e o Fórum Brasileiro de Educação Financeira - FBEF]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="">
<collab>BRASIL</collab>
<source><![CDATA[Lei nº 14.013, de 10 de junho de 2020: Dispõe sobre o valor do salário-mínimo a vigorar a partir de 1º de janeiro de 2020]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="">
<collab>BRASIL</collab>
<source><![CDATA[Lei no. 10.820, de 17 de dezembro de 2003: dispõe sobre a autorização para desconto de prestações em folha de pagamento]]></source>
<year>2003</year>
</nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="">
<collab>BRASIL</collab>
<source><![CDATA[Lei no. 10.953, de 27 de setembro de 2004]]></source>
<year>2004</year>
</nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="">
<collab>BRASIL</collab>
<source><![CDATA[Lei no. 13.172, de 21 de outubro de 2015]]></source>
<year>2015</year>
</nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="">
<collab>BRASIL</collab>
<source><![CDATA[Lei no. 8.112, de 11 de dezembro de 1990]]></source>
<year>1990</year>
</nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[BRITO]]></surname>
<given-names><![CDATA[MJ]]></given-names>
</name>
</person-group>
<source><![CDATA[Livre-se das dívidas: como negociar, pagar e evitar]]></source>
<year>2007</year>
<publisher-name><![CDATA[DPL - Editora]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[CAMARANO]]></surname>
<given-names><![CDATA[AA]]></given-names>
</name>
</person-group>
<source><![CDATA[Os dependentes da renda dos idosos e o Coronavírus: órfãos ou novos pobres?]]></source>
<year>2020</year>
<publisher-name><![CDATA[Livraria Ipea]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[CARRARO]]></surname>
<given-names><![CDATA[WBWH]]></given-names>
</name>
<name>
<surname><![CDATA[RODRIGUES]]></surname>
<given-names><![CDATA[MD]]></given-names>
</name>
<name>
<surname><![CDATA[ALLGAIER]]></surname>
<given-names><![CDATA[JF]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Educação financeira em tempos de Covid-19]]></article-title>
<source><![CDATA[Revista da Extensão]]></source>
<year>2022</year>
</nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[CERBASI]]></surname>
<given-names><![CDATA[G]]></given-names>
</name>
</person-group>
<source><![CDATA[A riqueza da vida simples]]></source>
<year>2019</year>
<publisher-name><![CDATA[Sextante]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="">
<collab>CNDL/SPC</collab>
<source><![CDATA[Educação Financeira: Gestão do orçamento Pessoal]]></source>
<year></year>
</nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[COLETTE]]></surname>
<given-names><![CDATA[MM]]></given-names>
</name>
</person-group>
<source><![CDATA[Contribuições da pesquisa - ação para o exercício da função social da Universidade]]></source>
<year>2017</year>
</nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[COUTINHO]]></surname>
<given-names><![CDATA[CP]]></given-names>
</name>
</person-group>
<source><![CDATA[Metodologia de investigação em ciências humanas e sociais: Teoria e prática]]></source>
<year>2011</year>
<publisher-name><![CDATA[Almedina]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[COUTINHO]]></surname>
<given-names><![CDATA[CP]]></given-names>
</name>
<name>
<surname><![CDATA[SOUSA]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
<name>
<surname><![CDATA[DIAS]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
<name>
<surname><![CDATA[BESSA]]></surname>
<given-names><![CDATA[F]]></given-names>
</name>
<name>
<surname><![CDATA[FERREIRA]]></surname>
<given-names><![CDATA[MJ]]></given-names>
</name>
<name>
<surname><![CDATA[VIEIRA]]></surname>
<given-names><![CDATA[S]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Investigação-acção: metodologia preferencial nas práticas educativas]]></article-title>
<source><![CDATA[Psicologia, Educação e Cultura]]></source>
<year>2009</year>
<volume>xii</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[DEMIRGÜÇ-KUNT]]></surname>
<given-names><![CDATA[A]]></given-names>
</name>
</person-group>
<source><![CDATA[The Global Findex Database.]]></source>
<year>2018</year>
</nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[DIAS]]></surname>
<given-names><![CDATA[LCD]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[O correspondente bancário como estratégia de reorganização de redes bancárias e financeiras no Brasil]]></article-title>
<source><![CDATA[GEOUSP - Espaço e Tempo]]></source>
<year>2017</year>
<volume>21</volume>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[DILELIO]]></surname>
<given-names><![CDATA[RC]]></given-names>
</name>
<name>
<surname><![CDATA[WOLLMANN]]></surname>
<given-names><![CDATA[RJ]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Impacto social do superindividamento dos servidores públicos]]></article-title>
<source><![CDATA[Revista Parajás]]></source>
<year>2022</year>
<volume>5</volume>
<numero>1</numero>
<issue>1</issue>
</nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[DOMINGOS]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
</person-group>
<source><![CDATA[Terapia financeira: a educação financeira como método para realizar seus sonhos]]></source>
<year>2008</year>
<publisher-name><![CDATA[Editora Gente]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[DOMINGOS]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
</person-group>
<source><![CDATA[Terapia Financeira: realize seus sonhos com Educação Financeira]]></source>
<year>2013</year>
<publisher-name><![CDATA[Editora DSOP]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[DOS SANTOS]]></surname>
<given-names><![CDATA[LB]]></given-names>
</name>
</person-group>
<source><![CDATA[Empréstimo consignado: o endividamento dos aposentados e pensionistas do INSS]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="">
<collab>ENEF. Estratégia Nacional de Educação Financeira</collab>
<source><![CDATA[Mapeamento de iniciativas de educação financeira abril/2018]]></source>
<year>2018</year>
</nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[FREIRE]]></surname>
<given-names><![CDATA[P]]></given-names>
</name>
</person-group>
<source><![CDATA[Pedagogia do oprimido]]></source>
<year>1983</year>
<publisher-name><![CDATA[Paz e Terra]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[HALLES]]></surname>
<given-names><![CDATA[CR]]></given-names>
</name>
<name>
<surname><![CDATA[SOKOLOWSKI]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
<name>
<surname><![CDATA[HILGEMBERG]]></surname>
<given-names><![CDATA[EM]]></given-names>
</name>
</person-group>
<source><![CDATA[O planejamento financeiro como instrumento de qualidade de vida]]></source>
<year>2007</year>
</nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="">
<collab>IBGE. Instituto Brasileiro de Geografia e Estatística</collab>
<source><![CDATA[Pesquisa Nacional por Amostra de Domicílios Contínua]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="">
<collab>IPEA. Instituto de Pesquisa Econômica Aplicada</collab>
<source><![CDATA[Indicadores mensais do mercado de trabalho - junho de 2022]]></source>
<year>2022</year>
</nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[KNUTH]]></surname>
<given-names><![CDATA[V]]></given-names>
</name>
</person-group>
<source><![CDATA[Engenharia Econômica e Finanças]]></source>
<year>2010</year>
</nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[LUCINDO]]></surname>
<given-names><![CDATA[DS]]></given-names>
</name>
</person-group>
<source><![CDATA[Engenharia Econômica: a relação entre classe social e distúrbios financeiros]]></source>
<year>2019</year>
</nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[MATOS]]></surname>
<given-names><![CDATA[VM]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Educação Financeira como tema transversal na Base Nacional Comum Curricular]]></article-title>
<source><![CDATA[Revista Fatec Zona Sul]]></source>
<year>2022</year>
<volume>8</volume>
<numero>3</numero>
<issue>3</issue>
</nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[MINAYO]]></surname>
<given-names><![CDATA[MCS]]></given-names>
</name>
</person-group>
<source><![CDATA[Pesquisa Social. Teoria, método e criatividade]]></source>
<year>2001</year>
<publisher-name><![CDATA[Vozes]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[MOTTA]]></surname>
<given-names><![CDATA[RR]]></given-names>
</name>
</person-group>
<source><![CDATA[Engenharia econômica e finanças]]></source>
<year>2009</year>
<publisher-name><![CDATA[Elsevier]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[NATALI]]></surname>
<given-names><![CDATA[R]]></given-names>
</name>
</person-group>
<source><![CDATA[Lucro FC: aprenda o esquema tático para conquistar a independência financeira]]></source>
<year>2017</year>
<publisher-name><![CDATA[Edição do Autor]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B39">
<nlm-citation citation-type="book">
<collab>OCDE. Organização para a Cooperação e Desenvolvimento Econômico</collab>
<source><![CDATA[Improving Financial Literacy: Analysis of Issues and Policies]]></source>
<year>2005</year>
<publisher-name><![CDATA[OECD Publishing]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B40">
<nlm-citation citation-type="">
<collab>OCDE. Organização para a Cooperação e Desenvolvimento Econômico</collab>
<source><![CDATA[Advancing National Strategies for Financial Education]]></source>
<year>2013</year>
</nlm-citation>
</ref>
<ref id="B41">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[PEREIRA]]></surname>
<given-names><![CDATA[AS]]></given-names>
</name>
</person-group>
<source><![CDATA[Metodologia da pesquisa científica]]></source>
<year>2018</year>
<publisher-name><![CDATA[UFSM, NTE]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B42">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[PERLIN]]></surname>
<given-names><![CDATA[MS]]></given-names>
</name>
</person-group>
<source><![CDATA[Poupando e investindo em renda fixa: Uma abordagem baseada em dados]]></source>
<year>2019</year>
<publisher-name><![CDATA[Publicação independente]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B43">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[RAIZER]]></surname>
<given-names><![CDATA[RS]]></given-names>
</name>
</person-group>
<source><![CDATA[A inserção da educação financeira em ações de extensão: um estudo nas universidades públicas]]></source>
<year>2021</year>
</nlm-citation>
</ref>
<ref id="B44">
<nlm-citation citation-type="">
<collab>SERASA EXPERIAN</collab>
<source><![CDATA[Mapa da inadimplência e renegociação de dívidas no Brasil]]></source>
<year>2022</year>
</nlm-citation>
</ref>
<ref id="B45">
<nlm-citation citation-type="">
<collab>SERASA EXPERIAN</collab>
<source><![CDATA[Relatório Macroeconômico Serasa Experian - 2o Trimestre de 2020]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B46">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[SOARES NETO]]></surname>
<given-names><![CDATA[HF]]></given-names>
</name>
<name>
<surname><![CDATA[FARIAS PINHEIRO]]></surname>
<given-names><![CDATA[LI]]></given-names>
</name>
<name>
<surname><![CDATA[FERREIRA FERRAZ]]></surname>
<given-names><![CDATA[MI]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[O Pobre Na Mira Do Crédito: Assistência Social e Financeirização no Brasil]]></article-title>
<source><![CDATA[Perspectivas em Políticas Públicas]]></source>
<year>2020</year>
<volume>26</volume>
</nlm-citation>
</ref>
<ref id="B47">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[VIANA]]></surname>
<given-names><![CDATA[SRR]]></given-names>
</name>
</person-group>
<source><![CDATA[Crédito consignado e endividamento dos servidores técnico- administrativos: uma análise econômica da situação da Universidade de Brasília]]></source>
<year>2020</year>
</nlm-citation>
</ref>
<ref id="B48">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[YIN]]></surname>
<given-names><![CDATA[RK]]></given-names>
</name>
</person-group>
<source><![CDATA[O Estudo de caso]]></source>
<year>2015</year>
<publisher-name><![CDATA[Bookman]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B49">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[ZOTTEL]]></surname>
<given-names><![CDATA[SRR]]></given-names>
</name>
<name>
<surname><![CDATA[GRADSTEIN]]></surname>
<given-names><![CDATA[HL]]></given-names>
</name>
</person-group>
<source><![CDATA[Integrating Financial Capability into Government Cash Trasfer Programs]]></source>
<year>2018</year>
<publisher-name><![CDATA[The World Bank]]></publisher-name>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
