Article

Personal financial management represents a growing challenge, influenced by cognitive biases that affect decision-making, even in individuals with high knowledge. The present study analyzed the relationship between the level of financial education and the occurrence of behavioral biases in the financial decision-making of adults residing in Brazil. An applied, quantitative, and descriptive-correlational field survey was conducted by administering a structured questionnaire to 163 respondents. The instrument included sociodemographic variables, financial knowledge and habits, and hypothetical situations to identify cognitive biases. The results indicated that higher levels of financial education were associated with better financial control, saving, and investment practices, with significant correlations with income and schooling. However, the presence of behavioral biases (anchoring, loss aversion, scarcity, optimism/negativity, present bias, status quo, overconfidence, and mental accounting) persisted even among individuals with higher schooling and income, with no statistically significant association with the analyzed sociodemographic variables. It was concluded that financial education, although essential for financial organization and control, was not sufficient to neutralize the influence of cognitive biases. The incorporation of behavioral approaches into financial education programs is suggested.

Keywords: Financial behavior; Behavioral economics; Personal finance; Cognitive heuristics; Cognitive biases.

The inclusion of children with Autism Spectrum Disorder (ASD) in Early Childhood Education presents significant challenges, given the difficulty of adapting to new environments and the intensity of stimuli. The objective was to analyze the teaching performance in Early Childhood Education in the initial schooling process of children with ASD. A case study was conducted, using narrative interview as a data production technique. The results revealed that the teaching performance was characterized by mediation and affection practices, with the flexibility of routine and the use of playful resources as essential strategies for the child’s development and sensory organization. The importance of the school support professional for the success of the pedagogical work was also highlighted. The child’s integral development was promoted through intentional teaching actions that prioritized environmental adaptation, strengthening of bonds, and attention to the specific needs of ASD. As a contribution, a guide of pedagogical strategies aimed at welcoming children with ASD in public daycare centers was developed.

Keywords: Early Childhood Education; School Inclusion; Teacher Narratives; Inclusive Pedagogical Practices; Autism Spectrum Disorder.

The expansion of e-commerce and technological transformation have driven the need to understand consumer behavior regarding infoproducts, whose perceived experience has become crucial for professional development. The study aimed to analyze the factors that influenced the purchase decision of infoproducts in the digital environment, considering the stages of the consumer journey. An applied, quantitative, and descriptive research was conducted through a field survey with 100 consumers from Serra Gaúcha. Data collection occurred via a structured questionnaire, using non-probabilistic sampling. The results revealed a qualified audience with strong “mobile-first” behavior. It was found that the availability of detailed information and social approval were the main attraction triggers in the pre-purchase phase. In the transactional and subsequent stages, the minimization of operational friction, the agility of immediate access, and system security proved crucial for conversion and satisfaction, although gaps in human support efficiency were identified. Retention was based on the trust generated by positive past experiences, overcoming the price factor. It was concluded that the infoproduct consumer journey operates as an integrated system, requiring alignment between technological infrastructure, content curation, and support humanization to ensure engagement.

Keywords: E-commerce; Consumer behavior; Consumer experience; Loyalty; Virtual business.

Mental health in the workplace is a topic of growing relevance, impacting professional development and employee well-being. A study was conducted to identify aspects and situations that can influence absenteeism levels in a banking institution. The research involved 108 participants and used a structured questionnaire, based on the short version of COPSOQ II by Gonçalves (2021), which contained 45 closed Likert scale questions and two open-ended questions. Data were collected via an online platform and analyzed with a descriptive and quantitative approach. The results revealed a scenario that indicated the need for adjustments in the distribution of activities and in managers’ perception of behaviors and signs of disorders. Important evidence was identified in the participants’ open-ended responses. It was concluded that the study contributed to promoting the perception of a safe environment for mental health in the organization.

Keywords: Absences due to disorders; Professional development; Operational leadership; Medical leave; Mental health.

The state of Amazonas faced historical challenges in consolidating the Unified Health System (SUS), stemming from geographical barriers, socioeconomic inequalities, and structural limitations. This study described the development and implementation of a health information geoportal, designed to support monitoring, evaluation, and planning in the Amazonian context. A descriptive case study approach was adopted, based on documentary analysis and secondary data, covering the mapping of functionalities, technical infrastructure, and validation steps of the tool. The Portal was developed with open technologies and integrated multiple national databases, offering interactive dashboards, thematic maps, and a digital document repository. Among the results, highlighted were the georeferenced visualization of key indicators, the possibility of temporal comparative analyses, and the use of the platform in reviewing health plans and redirecting strategic actions. The portal can represent an advance in digital governance and evidence-based management, with potential for replication in other highly complex territories, provided it is accompanied by investments in technological infrastructure, professional training, and inter-institutional coordination.

Keywords: Amazon; Health Evaluation; Digital Health; Health Information Systems.

The impact of continuous learning and knowledge management on organizational growth was studied in a context of globalization and constant changes. The study’s objective was to analyze employees’ perception of learning culture and its importance for personal and professional development. Data were obtained through an anonymous survey, with a quantitative approach, using a form with “survey” type questions applied to 87 professionals from the technology, health, education, commerce, and services sectors. The results indicated that employees had a positive perception of the contribution of continuous learning to personal and organizational growth, recognizing its benefits for the development of new skills, innovation, and competitiveness. However, it was observed that the incentive for internal knowledge exchange and the offering of practical training still presented moderate levels of agreement. It was concluded that continuous learning significantly contributes to individual and organizational development, suggesting that companies should develop strategic policies for learning focused on new skills, aiming for greater competitive advantage and innovation.

Keywords: Continuous learning; Self-development; Organizational growth; Knowledge Management; Innovation.

A multiple statistical regression model was proposed to estimate the operational performance of UNICAMP’s CampusGrid microgrid, based on internal electrical quantities. The microgrid integrates photovoltaic generation, batteries, and a gas generator. Energy management system data were collected at five-minute intervals over one month. The Operational Reliability Index, defined as the ratio between supplied and demanded energy, was established as the dependent variable. The model was adjusted for the islanded operation mode, evaluating the impact of demand, state of charge, solar generation, and supplied energy. The results revealed high explanatory power, indicating that operational reliability depends on the interaction between supply and demand. It was observed that the nighttime period concentrated the highest rate of partial supply, attributed to the reduction in solar generation. It was concluded that multiple regression offers an interpretable and useful framework for microgrid monitoring and control strategy support.

Keywords: Battery storage; Photovoltaic generation; Reliability Index; Islanded operation; Energy Management System.

Aggregate non-payment in the Brazilian financial system is a crucial indicator of credit risk, the prediction of which is regulated by CMN Resolutions n.° 4.557/2017 and 4.966/2021 for the prospective measurement of expected losses. Aggregate non-payment was modeled and predicted using the SARIMAX model, projecting its trajectory until December 2026 under optimistic, base, and pessimistic scenarios. 164 monthly observations (July/2012 to February/2026) and macroeconomic variables such as unemployment, Selic, IPCA, IBC-Br, and household debt were used. The specification with contemporaneous variables was selected based on information criteria and coefficient stability, and residual diagnostics confirmed statistical adequacy, with a MAPE of 3.12%. Historical non-payment ranged between 4.33% and 7.64%. The estimation identified unemployment (β = 0.2534; p < 0.001) and Selic (β = 0.2128; p < 0.001) as the main positive determinants, with strong temporal persistence (AR(1) = 0.8965). Selic showed increasing correlation with non-payment (r = 0.62 at lag 12), while unemployment demonstrated a contemporaneous effect (r = 0.33). Projections indicated non-payment between 6.30% and 7.98% in December 2026, with a range of 1.68 percentage points, highlighting direct implications for provisioning in financial institutions.

Keywords: Unemployment; Predictive modeling; Monetary policy; Loss provisioning; Time series.

This study described the critical factors perceived for stakeholder engagement in international technology transfer in a public hospital, with a focus on planning. The objective was to describe these conditioning factors, according to the perception of professionals. A single case study was conducted, applying a questionnaire to 25 professionals and using content analysis, complemented by descriptive tabulations. The main obstacles identified were resistance to change (72%), funding (64%), lack of communication (60%), and bureaucracy (40%). Only 28% of respondents recognized the existence of adequate tools for stakeholder management, while 48% denied it and 24% did not know. Exploratory cross-tabulations indicated variations in the assessment of influence according to time of practice, but did not establish causal relationships. Lack of engagement was associated with delays, low adherence, waste of resources, communication failures, compromised knowledge absorption, and risks to patient safety. The conclusions were limited to the perceptions of the researched group and supported preliminary recommendations for intersectoral communication and coordination.

Keywords: Case study; Project Management; Health innovation; Stakeholders; Public sector.

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