<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:RelyOnVML /> <o:AllowPNG /> </o:OfficeDocumentSettings> </xml><![endif]--><span style="font-size: 11.0pt; line-height: 115%; font-family: ";Times New Roman";,";serif";; mso-fareast-font-family: Calibri; mso-ansi-language: PT-BR; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">A inclusão da educação financeira nas escolas vem sendo amplamente discutida. No Brasil, esta discussão foi impulsionada pela Estratégia Nacional de Educação financeira (ENEF) que, dentre outras ações, propõe o Programa de Educação Financeira nas Escolas – Ensino Médio, que está em fase de implementação. O estudo da educação financeira nas escolas traz uma forte ligação com a matemática vivenciada pelos estudantes, pois são diversas as situações matemáticas que envolvem finanças no dia a dia. Skovsmose (2000) identifica diferentes ambientes de aprendizagem que auxiliam na análise das situações propostas na escola e nos livros didáticos de matemática, na perspectiva do desenvolvimento da educação matemática crítica, que gere reflexão e leve os estudantes à tomada de decisão. <span style="color: black;">Nesse contexto, esta pesquisa buscou a</span>nalisar o material didático do programa de educação financeira proposto pelo Ministério da Educação para o Ensino Médio, desenvolvido pela ENEF, identificando os ambientes de aprendizagem (SKOVSMOSE, 2000) que as atividades sugeridas no livro do aluno podem proporcionar. 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