Learn financial education with Bacen's online courses: see the options

Did you know that it is possible to learn about financial education through Bacen's online courses? Options are available that allow people to learn more about what they need in the financial field.

What is financial education?

According to a survey carried out by the National Confederation of Shopkeepers (CNDL) in 2023, 30% of Brazilians have never heard of financial education. According to this source, 80% of Brazilians do not feel prepared to deal with their finances.

According to a survey carried out by Fecomércio-SP, the Federation of Commerce of Goods, Services and Tourism of the State of São Paulo in 2023, 65% of Brazilian families are in debt.

These are quite alarming and shocking data, but they need to be exposed so that people become more aware of what financial education is, its importance and what means exist to access this type of learning.

When we talk about financial education, we are referring to the set of knowledge, skills and behaviors that will guide and help us make smarter and more conscious decisions about our money.

It is with this knowledge that we understand the importance and role of money in our lives. We also learn to manage our financial resources in order to avoid debt or default, but still help us achieve our goals.

And why learn?

In addition to providing technical knowledge about financial concepts, financial education also addresses the importance of healthy attitudes and habits regarding money, such as financial discipline, controlling spending, avoiding unnecessary debt and developing a mindset of planning for the future.

The goal of financial education is to empower individuals to make informed and responsible financial decisions that promote personal and family financial stability, long-term financial security, and overall financial well-being.

By acquiring good financial education, people are better prepared to face financial challenges, take advantage of opportunities for economic growth, and achieve their lifelong financial goals.

Who is Bacen?

Before talking about Bacen's online courses offered to promote the population's financial education, we need to understand who Bacen is.

Bacen is the Central Bank of Brazil, an autonomous federal agency that is part of the SFN (National Financial System), which was created in 1964 and has been operating in our country ever since.

Its main function is to formulate and implement the country's monetary policy, with the aim of ensuring the stability of the currency's purchasing power and promoting sustainable economic development.

In addition to being a bank, it is an institution that has been working with the objective of contributing to the Brazilian economy, ensuring economic growth.

And with such an important role in our society, Bacen promotes several actions with the aim of educating the population about the financial market.

For this purpose, the National Financial Education Program (PNEF) was created, with educational materials, courses, events and workshops focused on different types of audiences.

The “Your Money” booklet is also offered, with several free publications that teach about money in a creative and conscious way. Lectures and events are also held with the aim of educating the population.

Partnerships are established with other institutions, such as the Ministry of Education, the Ministry of Economy, the European Central Bank and others. In addition, we can find educational materials in Braille for people with visual impairments.

And we cannot forget the Bacen online courses, offered to complement or serve as a basis for Brazilian financial education.

Discover Bacen's online courses

If you are interested in Bacen's online courses, you also need to know about Financial Citizenship Portal of the Central Bank of Brazil.

This is a free online platform with several resources, including Bacen's online courses. On this site you will find animated videos, information booklets, blogs, games and activities.

Two Bacen online courses are offered, see more about them:

1 – Personal Finance Management (PFM)

The personal finance management course offered by the Bacen Financial Citizenship Portal was created with the aim of informing and educating the population with tools that enable the management of their finances.

From the moment you enroll in this course, you have 20 days to complete the entire course. By dedicating 1 hour per day, you would be able to complete this course, which has a workload of 20 hours.

The course content is made available through animated videos that offer basic concepts on topics from our daily lives, this is done through a family story.

It is a way of teaching that allows other people to identify with and better absorb your teachings.

The course offers very broad modules that involve prevention and protection, relationship with money, personal and family budget, conscious consumption and much more.

Additionally, you can access the forum to ask questions to other people and gain more knowledge. And at the end of the course, you can obtain a certificate of completion.

2 – Training of Multipliers of the “Me and My Money” Series

The second of Bacen’s online courses is the Training of Multipliers from the “Me and My Money” Series.

The main idea is to raise awareness among course participants about the need to improve their personal management skills. The course is online and free, has a workload of 10 hours and at the end, participants can receive a certificate of completion.

The course consists of 5 videos with questions to help you reflect, followed by discussions with experts on the subject. The courses cover topics such as family budgeting, credit usage, the importance of saving and much more.

These two online courses from Bacen are free and provide an introduction to what financial education would be for the entire Brazilian society and public.

But it is important that after completing Bacen's online courses, you continue your studies, which can be done through other free courses, study materials on websites, PDFs, videos on YouTube and many other sources.