Portal do Governo Brasileiro

For Adults

Offer the adult population information, education and financial guidance contributes to these people correctly assess how to manage their money. Thus, it is easier will understand characteristics of different financial products and services, which leads to informed decision-making.

Develop financial education activities for adults is challenging, since values and old habits are deeply rooted. In addition, adults are not engaged in regular education system. Still, they make up the Economically Active Population (PEA) of the country, and with healthier financial choices, contribute to the development of Brazil.


2010 IBGE data indicates that the elderly population will double in the next 25 years, reaching about 32 million Brazilians. Meanwhile, an INSS report of the same year shows that retirees have contracted many debts, especially through payroll loans. This segment also has a low level of education and often have to deal with family pressures to take out loans, since they have a fixed income.

A significant portion of this population, however, has chosen to pursue other forms of credit in the financial system, such as payroll loans, and end up realizing an indebtedness situation.

ENEF also develops through the AEF-Brazil in partnership with the Ministry of Social Security, a financial education project for INSS retirees with incomes of one to two minimum salaries. The goal is to contribute to the reduction of indebtedness of retirees in order to help them make more informed decisions regarding the management of their resources.



The 2010 data from the Single Registry of the Ministry of Social Development and Fight against Hunger – MDS – show that 92.5% of those responsible for withdrawing the Bolsa Família are women. Around the world, other income transfer initiatives, microfinance and solidarity economy have revealed the prominent role of women in their family budget management.

ENEF, through the AEF-Brazil, develops a financial education project for women beneficiaries of the Family Grant Program, the federal government. With the Ministry of Social Development as a partner, its goal is to improve the management of the family budget in order to stimulate reflection on the dreams and the design of women´s lives and financial planning long-term.


Coordenação e Execução dos Programas