The Author
As I explained on the first page, I haven't been able to update the English version of this site, and apologize for it...
But as I have recently had to prepare a partial bio and cv in english, I thought I might include this material here as well!
So, below, you will find 3 things:
1. a short bio convering the past few years of my work helping to build economic psychology in Brasil;
2. a cv with main publications and presentations;
3. the older version of this section.
But please do not hesitate to contact me if you need more information!
1. BIO: I am Brazilian, and my interest in the intersection of psychology and economics started two decades ago, while Brazil experienced very high inflation rates for several years. It was so serious that in one month only it reached 80%! It deeply intrigued me the fact that, although people in general and authorities routinely condemned inflation, it seemed nevertheless to be impossible to actually reduce it. Back then I was not acquainted with the field of economic psychology and ignored that several researchers around the world were developing studies on the psychological underpinnings of economic phenomena.
But urged by this interest that went beyond my clinical experience, I decided to return to academic life – I had graduated in psychology in 1979 (having studied one year at the State University of New York at Buffalo), specialized in psychoanalysis, and worked mainly in my private practice. My master’s project, developed at the department of Social and Labour Psychology, at Universidade de São Paulo (USP), initially addressed this topic: what could be disclosed about people’s mental mechanisms during periods of high inflation? Why did everyone seem to be so “attracted” to it, in spite of declaring to be against it?
Then two relevant things happened over this period: right on the first year, in 1994, government measures finally managed to bring the rates drastically down, in the first truly successful action towards this problem (it was led by Fernando Henrique Cardoso, who later on that year was elected president of the country); and a few years later, as I was finishing my dissertation, I “discovered” that economic psychology existed!
The title of the dissertation was “The emotional component – mental functioning and illusion in light of economic transformations in Brazil since 1985”, and it discussed the emotional roots that could help to explain that previous “attachment” to inflation, and as it got cut down, how adaptation to the new scenario took place (it was “bumpy” for many people, who no longer knew how to manage their money without the constant indexation they had grown used to for so long). It was published integrally in 2000, under the same title.
Then in 1999 I began to get in touch by email with Stephen Lea and Paul Webley, who were British researchers, authors of one of the most relevant books on economic psychology, and also had been presidents of IAREP, the International Association for Research in Economic Psychology. Ever since, my interest in the area has just grown, and I started to attend the annual colloquium that takes place at a different country each year and became more and more involved with the area.
In 2002, I co-organized a small, however interesting, “Pre-Encounter of Psychology and Economics - frontiers, convergences, dilemmas”, in São Paulo, that was possibly the first initiative to bring together psychologists, economists and other specialists to discuss these issues in Brazil.
In 2003 I started my Ph.D. also in social psychology, but this time at the catholic university, PUC-SP. Since economic psychology did not exist in Brazil, it was both very hard to find a supervisor willing to accept a project in the area, and also a challenge to go on and help to build it here. My doctoral dissertation, named “Economic psychology – origins, models, proposals”, discussed the field, from a historical point of view and its general foundations, the main models developed by relevant researchers, my own suggestion of a decision-making model that laid heavily on emotional dynamics, and a proposal of agenda in economic psychology for Brazil.
This proposal was an evolution of my preliminary concerns over high inflation, when I had already become interested in the possibility of using psychological knowledge to help the population make better economic decisions. The idea ever since has always been to bring this potential contribution coming from economic psychology to inform the population on their economic behaviour and how decisions are made, which should include both knowledge about economics, finance and their mechanisms, and also psychological operations, in order to help people to learn more about these issues and from their own experience too, so as to become responsible for their own decision-making processes in the economic realm.
Over the past few years, this debate on applications for economic psychology and behavioural economics in Brazil was also widened so as to include how policy-making might benefit the population as well, with suggestions on research over how policies (economic, public and social) are routinely elaborated on fields such as micro-finance, financial inclusion, citizen and consumer protection, credit and indebtedness, the environment and policy-making, and how they could be brought closer to a more realistic level, both concretely and psychologically.
These ideas have been published in several articles and papers presented at conferences, and I have also been invited to write three books that have become the first on economic psychology published in Brazil: Economic decisions – have ever you stopped to think about them?, 2007, republished in 2nd edition in 2011; Economic psychology – studies on economic behaviour and decision-making, 2008; The investor’s mind, 2011.
Therefore, it was only natural to begin to bring together the two areas – economic psychology and financial education – that do share the same goal: delivering information efficiently, and encouraging awareness, empowerment and emancipation of significant sectors of the population. This particular collaboration, that emphasises the importance of necessarily including the emotional components present in decision-making and changes of behaviour, aims to improve financial education programs.
So, in 2008 I was invited to become economic psychology consultant for ENEF, the Brazilian national strategy for financial education, which is object of the paper now submitted.
Around the same time, arrangements to begin training professionals for the program that treats over indebtedness, also discussed in this paper, began, although the program itself only took place in 2010-11.
In 2009 I had the honour of sharing a panel with Nobel winner Daniel Kahneman, at a congress organized by investment banks (ANBID, now named ANBIMA), and in 2010, OECD and Banca d’Italia invited me to speak at a seminar on financial education and behavioural economics, in Rome. Later on the same year, I also spoke at the Brazilian Central Bank II Forum for Financial Inclusion, in Brasília, when economic psychology officially started to be part of the Bank’s agenda for this issue.
In 2010, I analysed results of the ENEF’s impact evaluation at a workshop organized by the World Bank and BM&FBOVESPA. In 2011, I was also invited to speak on behavioural change at a workshop organized by the Brazilian Central Bank and GIZ (Deutsche Gesellschaft für Internationale Zusammenarbeit), on financial education for adults, aimed at deepening the discussions on strategies.
I have been for 17 years, and am currently quite involved with the construction of economic psychology in Brazil, where I have been representing IAREP since 2004 (besides belonging to the Executive Committee for ICABEEP-The International Confederation for the Advancement of Behavioral Economics and Economic Psychology too), and have taught introductory courses on this issue since 2005 (at FIPECAFI, a foundation dedicated to teaching and research in finance and accounting, since 2009). Besides I also work as an independent consultant for economic psychology, write articles for newspapers, magazines and websites on topics from the area, and have been invited by different institutions to deliver talks about it.
And I must say that I am quite happy to see that economic psychology is starting to bud in Brazil, where there is still a lot to develop in this field, although at the same time, we can offer these two pioneer initiatives that involve it with financial education and policy-making – the two projects discussed in the paper – as instances to be debated on how this kind of partnership can be further improved around the world.
2. CURRICULUM VITAE – VERA RITA DE MELLO FERREIRA
Ph.D. in Social Psychology, with a dissertation on Economic Psychology; independent consultant; lecturer
Current Appointments
2008 – Current
Co-coordinator and Lecturer in the area of Economic Psychology – Faculdade FIPECAFI [Fundação Instituto de Pesquisas Contábeis, Atuariais e Financeiras], São Paulo
2008 – Current
Economic Psychology consultant for ENEF-Estratégia Nacional de Educação Financeira for elementary and high school students (federal pilot programme, coordinated by Central Bank, CVM, PREVIC, SUSEP and other institutions) and for PAS-Programa de Apoio ao Superendividado, a programme for treating over indebtedness developed by Fundação PROCON-SP (state consumer protection agency) and Tribunal de Justiça de São Paulo
2010 – Current
Member of the Executive Committee of ICABEEP-The International Confederation for the Advancement of Behavioral Economics and Economic Psychology
2008 – Current
IAREP-International Association for Research in Economic Psychology representative in Brazil
2011 - Current
Author of articles on economic psychology and financial education for Apogeo [financial education blog]
2006 – Current
Coordinator of study groups on economic psychology
2005-Current
Lecturer in the area of economic psychology in short courses at conferences and organizations [f.i., Fundação PROCON-SP, Banco Central do Brasil and others]
1996 – Current
Speaker
1995 – Current
Independent consultant
1980 – Current
Private practice – psychoanalyst
Other Appointments
2012-2013: Consultant for the British Embassy in Brasília and the Brazilian Central Bank for a financial education project
2011: Consultant for UniEthos, about financial education best practices in banks
2006-2009: Co-coordinator and Lecturer in the area of Economic Psychology at COGEAE-Coordenadoria Geral de Especialização, Aperfeiçoamento e Extensão, PUC-SP
2006-2011: Author of articles on economic psychology and financial education for Valor Econômico
2005-2006: Lecturer in the area of methodology at Instituto Sedes Sapientiae, São Paulo
2002 – 2005: Lecturer in the Psychology course at Universidade Ibirapuera, São Paulo
1987 – 1991: Clinical supervisor and coordinator of study groups on psychoanalysis
1986 – 1989: Lecturer in the Psychology course at Universidade de Guarulhos, São Paulo
1980 – 1986: Educational supervisor at Escola Mutirão
Education
Ph.D in Social Psychology, Pontifícia Universidade Católica de São Paulo-PUC-SP, 2007 [dissertation: “Psicologia Econômica: origens, modelos, propostas”]
Master’s in Social and Labour Psychology, Universidade de São Paulo-USP, 1999 [dissertation: “O componente emocional – funcionamento mental e ilusão à luz das transformações no Brasil desde 1985”]
Specialization in Psychoanalysis, Instituto Sedes Sapientiae,1986
Graduation in Psychology, Pontifícia Universidade Católica de São Paulo-PUC-SP, 1979
Relevant Achievements
Pioneer in the analysis of economic phenomena in light of the combined perspective of Psychoanalysis and Economic Psychology and directly involved in the development of Economic Psychology in Brazil since 1994
Responsible for: introducing Brazilians to economic psychology and its potential applications in the country through courses, articles, conferences, interviews, academic supervision; and bringing behavioural issues into the debate around financial capability both in Brazil and abroad
Author of the first books on economic psychology written in Brazil
Published Papers [academic]
Ferreira, V. R. M. “Psicologia Econômica – trajetória histórica e rumos futuros”. Revista Subjetividad y Procesos Cognitivos. (Argentina, in print).
Ferreira, V. R. M., Lima, I. S., Coutinho, L., Klimick, C. E., Padilha, H. , Ayoub, N., Gazel, M. A., & Pereira, V. L. R. “Can we be de-biased? How economic psychology can inform financial education programs”. In: A. Gasiorowska & T. Zaleskiewicz (Eds.), Microcosm of Economic Psychology – Proceedings of the IAREP Conference Wroclaw 2012. p.98-107, 2012.
Ferreira, V. R. M. “Escolhemos sempre o que é melhor para nós? Desafios psicológicos para a previdência complementar”. In: 32o. Congresso Brasileiro dos Fundos de Pensão - Inovar no Presente, 2011, Florianópolis. Livro Técnico do 32o. Congresso Brasileiro dos Fundos de Pensão - Visão de Futuro - Inovar do Presente. São Paulo : ABRAPP, p. 34-47, 2011.
Ferreira, V. R. M. Lima, I. S.; Coutinho, L.; Padilha, H. “Financial education – can economic psychology and behavioral economics help to improve it?” In: OECD, Improving financial education efficiency: OECD-Bank of Italy Symposium on Financial Literacy. OECD Publishing, p.103-120, 2011.
Ferreira, V. R. M.; Lima, I. S. “Can economic psychology contribute to financial education and capability programmes? A discussion on Brazilian projects”. In: Proceedings of the IAREP/SABE Behavioural Economics, Economic Psychology: Theory and Policy, 2009, Halifax. Canada, 2009.
Ferreira, V. R. M.; Lisoni, T. “Quem avalia o risco? Perspectiva histórica e análise interdisciplinar de decisões sobre risco”. Revista de Economia & Relações Internacionais, v. 8, p. 36-60, 2009.
Ferreira, V. R. M. “Debating an agenda for applications in economic psychology – Brazilian proposals”. In: Proceedings of the IAREP-SABE World Meeting – Methods and Synergies. Roma: Luiss University Press, 16p., 2008.
Ferreira, V. R. M. “Informação Econômica e Ilusão – uma contribuição psicanalítica ao estudo de fenômenos econômicos”. Ágora – Revista de Psicanálise (PPGTP/UFRJ), v. 10, p. 107-126, 2007.
Ferreira, V. R. M. “The critical decision: a psychoanalytic contribution to the investigation of decision making”. In: Proceedings of the 32nd IAREP Conference, 2007 – Values and Economy. Ljubljana: Filozofskza Fakulteta, p. 115-121, 2007.
Ferreira, V. R. M. “Psicologia Econômica”. RAE – Revista de Administração de Empresas (FGV-SP), v. 47, p. 122-125, 2007.
Ferreira, V. R. M. “Is Economic Psychology Being Born In Brazil? A review of the scientific production in the economic-psychological area looking into the future”. In: Proceedings of the SABE-IAREP Joint Meeting – Behavioral Economics and Economic Psychology. Paris: SABE-IAREP, 2006.
Ferreira, V. R. M. “What can the origins of Economic Psychology inform us?” In: Proceedings of the 30th Congress of Economic Psychology – Absurdity in the Economy, Prague, 2005.
Ferreira, V. R. M. “Psicanálise e Investigação - O que acontece quando duas pessoas se encontram – ou – Como tornar bom um mau negócio?” In: Anais XII Semana de Psicologia da Universidade Ibirapuera. p.85-98 , 2005.
Ferreira, V. R. M. “Psicanálise e Psicologia Econômica – a possibilidade de um diálogo”. Pulsional – Revista de Psicanálise, São Paulo, v. XVIII, n. 181, p. 24-32, 2005.
Ferreira, V. R. M. “Towards a history of Economic Psychology”. In: Proceedings of the SABE-IAREP 2004 Conference – Cross fertilization between Economics and Psychology. Philadelphia: LeBow College of Business, Drexel University, 2004.
Ferreira, V. R. M. “Again, what is it that you believe? A study of psychological factors at work over the market throughout major political-economic events”. In: Proceedings of the XXVIII International Association for Research in Economic Psychology Annual Colloquium, Christchurch: University of Canterbury, 2003.
Ferreira, V. R. M. “Projective Identification: a theoretical discussion about some roots of power”. In: XXVII Annual Colloquium on Research in Economic Psychology and SABE 2002 Conference on Behavioural Economics – Stability and Dynamics of Power Conference Proceedings. Turku: Turku School of Economics and Business Administration, p. 101-106, 2002.
Ferreira, V. R. M. “Psicologia Econômica: história e perspectivas de trabalho”. Anais – IX Semana de Psicologia da Universidade Ibirapuera. São Paulo: Universidade Ibirapuera, p. 9-45, 2002.
Ferreira, V. R. M. “Living with inflation and without inflation – a psychoanalytical view at the Brazilian experience”. In: XXVI Colloquium on Economic Psychology – Environment and Wellbeing Conference Proceedings IAREP 2001. Bath: University of Bath, p.70-73, 2001.
Ferreira, V. R. M. “A socio-analytic experience in Brazil”. Socio-Analysis - the Journal of the Australian Institute of Socio-Analysis, Melbourne, Victoria, Australia, 3(1):21-36, 2001.
Ferreira, V. R. M. “A contribuição da Psicologia Econômica – trajetória e perspectivas de trabalho”. Gradiva (web journal), 1999.
Books & Chapters
Ferreira, V. R. M. “Can We Be De-Biased? Economic Psychology and Financial Education”. In: G. Jaeckel (Org.). Teaching Personal Financial Education. Centennial, CO: Foundation for Teaching Personal Financial Education. p. 117-126, 2012.
Ferreira, V. R. M. A Cabeça do Investidor. São Paulo: Évora, 2011. 240 p.
Ferreira, V. R. M. Decisões econômicas – você já parou para pensar? 2ª. ed. São Paulo: Évora, 2011. 158 p.
Ferreira, V. R. M. “Escolhemos sempre o que é melhor para nós? Desafios psicológicos para a previdência complementar”. In: Livro Técnico do 32º. Congresso Brasileiro dos Fundos de Pensão - Visão de Futuro - Inovar no Presente. São Paulo : ABRAPP, 2011. p. 34-47.
Ferreira, V. R. M. Psicologia econômica – estudo do comportamento econômico e da tomada de decisão. Rio de Janeiro: Campus-Elsevier, 2008. 338 p.
Ferreira, V. R. M. Psicologia Econômica e Psicanálise. São Paulo: Universidade Falada, 2008. (audiolivro)
Ferreira, V. R. M. “Psicologia Econômica, Mulher e Tomada de Decisão”. In: V. Meirelles. (Org.). A Mulher do Século XXI. São Paulo: Roca, p. 95-110, 2008.
Ferreira, V. R. M. “Psicologia Econômica: história e inserção no Brasil”. In: L. E. L. R. Valle. (Org.). Temas Multidisciplinares de Neuropsicologia e Aprendizagem. 1ª. ed. São Paulo: Scortecci, p.71-78, 2003.
Ferreira, V. R. M. O Componente Emocional - funcionamento mental e ilusão à luz das transformações econômicas no Brasil desde 1985. Rio de Janeiro: Papel e Virtual, 2000. 290 p.
Non-academic papers [scientific dissemination]
Ferreira, V. R. M. “Devagar e longe”. Ciência Hoje – Revista de divulgação científica da Sociedade Brasileira para o Progresso da Ciência. 299 (50): 76-77, 2012. (resenha do livro Kahneman, D. – Thinking: Fast and Slow).
Ferreira, V. R. M. “Ufa... Eu te conheço!”. Apogeo, São Paulo, 05 abr. 2012.
Ferreira, V. R. M. “Eu conheci um Prêmio Nobel! (e ele é muito legal!!)”. Apogeo, São Paulo, 05 mar. 2012.
Ferreira, V. R. M. “PF ou à la carte?”. Apogeo, São Paulo, 05 fev. 2012.
Ferreira, V. R. M. “A banana e as suas resoluções de ano novo”. Apogeo, São Paulo, 05 jan. 2012.
Ferreira, V. R. M. “A força do desejo (parte 2)”. Apogeo, São Paulo, 10 dez. 2012.
Ferreira, V. R. M. “A força do desejo (parte 1)”. Apogeo, São Paulo, 10 nov. 2012.
Ferreira, V. R. M. “Quem ama, (se) poupa”. Apogeo, São Paulo, 10 out. 2012.
Ferreira, V. R. M. “Você foge do quê?”. Apogeo, São Paulo, 10 set. 2012.
Ferreira, V. R. M. “A emoção do risco”. Apogeo, São Paulo, 10 ago. 2012.
Ferreira, V. R. M. “Não sou só eu?”. Apogeo, São Paulo, 10 jul. 2012.
Ferreira, V. R. M. “O cupido usa cifrão?”. Apogeo, São Paulo, 10 jun. 2012.
Ferreira, V. R. M. “Nossa mente tem fome de quê?”. Apogeo, São Paulo, 10 mai. 2012.
Ferreira, V. R. M. “A maldição é maldição?”. Apogeo, São Paulo, 10 abr. 2012.
Ferreira, V. R. M. “Ai, se eu te perco...”. Apogeo, São Paulo, 10 mar. 2012.
Ferreira, V. R. M. “Que fita métrica você usa para investir?” Apogeo, São Paulo, 10 fev. 2012.
Ferreira, V. R. M. “Naufrágio”. Apogeo, São Paulo, 18 jan. 2012.
Ferreira, V. R. M. “Quem lê tanta notícia?” Apogeo, São Paulo, 05 jan. 2012.
Ferreira, V. R. M. “Você pode ser o seu Papai Noel – e dar a si mesmo o presente da ponderação!” Apogeo, São Paulo, 01 dez. 2011.
Ferreira, V. R. M. “Investindo sem bola de cristal”. Apogeo, São Paulo, 22 nov. 2011.
Ferreira, V. R. M. “Risco, esse desconhecido”. Apogeo, São Paulo, 23 out. 2011.
Ferreira, V. R. M. “Investimentos, conhecimentos e emoções”. Apogeo, São Paulo, 24 set. 2011.
Ferreira, V. R. M. “O investidor, a crise e as referências que ancoram as decisões”. Valor Econômico, São Paulo, p. D2, 19 ago. 2011.
Ferreira, V. R. M. “O investimento financeiro é uma experiência emocional?” Valor Econômico, São Paulo, p. D2, 14 jun. 2011.
Ferreira, V. R. M. “Expectativas e mercado financeiro – modo de usar”. Valor Econômico, SÃO PAULO, p. D2, 18 mar. 2011.
Ferreira, V. R. M. “O amor, a perda e a escolha da carteira de ações”. Valor Econômico, São Paulo, p. D2, 01 fev. 2011.
Ferreira, V. R. M. “É cilada! Como reconhecer e não cair em armadilhas”. Valor Econômico, São Paulo, p. D2, 20 out. 2010.
Ferreira, V. R. M. “O papel da verdadeira intuição na escolha dos investimentos”. Valor Econômico, São Paulo, p. D2, 03 set. 2010.
Ferreira, V. R. M. “Como a emoção supera a razão nas decisões econômicas”. Valor Econômico, São Paulo, p. D2, 05 abr. 2010.
Ferreira, V. R. M. “Os fóruns de investidores e os movimentos de manada”. Valor Econômico, São Paulo, p. D2, 02 fev. 2010.
Ferreira, V. R. M. “Fatores psicológicos presentes na formação de bolhas”. Valor Econômico, São Paulo, p. D2, 14 dez. 2009.
Ferreira, V. R. M. “O peso das expectativas nas decisões de investimentos”. Valor Econômico, São Paulo, p. D2, 26 nov. 2009.
Ferreira, V. R. M. “Mantenha os olhos abertos mesmo no meio da neblina”. Valor Econômico, São Paulo, p. D2, 13 jul. 2009.
Ferreira, V. R. M. Os investimentos e o critério único em nossas decisões. Valor Econômico, São Paulo, p. D2, 27 maio 2009.
Ferreira, V. R. M. “Será que uma taxa de juros mais baixa é miraculosa?” Valor Econômico, São Paulo, p. D2, 26 mar. 2009.
Ferreira, V. R. M. “É hora de desembarcar em terra firme”. Valor Econômico, São Paulo, p. D2, 13 fev. 2009.
Ferreira, V. R. M. “Forma de apresentar informação pode fazer diferença”. Valor Econômico, São Paulo, p. D2, 22 jan. 2009.
Ferreira, V. R. M. “Cadê o dinheiro que estava aqui? O gato comeu?” Valor Econômico, São Paulo, p. D2, 20 nov. 2008.
Ferreira, V. R. M. “Sete ideias para usar em caso de emergência”. Valor Econômico, São Paulo, p. D2, 28 out. 2008.
Ferreira, V. R. M. É possível aprender com a experiência de uma crise? Valor Econômico, São Paulo, p. D2, 15 out. 2008.
Ferreira, V. R. M. “Paixão e ódio também movem o mercado financeiro”. Valor Econômico, São Paulo, p. D2, 16 set. 2008.
Ferreira, V. R. M. “A sua mente e os seus investimentos”. Personnalité News (Banco Itaú), Brasil, p. 3, 10 ago. 2008.
Ferreira, V. R. M. “O ilusório canto da sereia volta a ecoar na economia”. Valor Econômico, São Paulo, p. D2, 05 ago. 2008.
Ferreira, V. R. M. “O peso das emoções negativas na tomada de decisões”. Valor Econômico, São Paulo, p. D2, 14 jul. 2008.
Ferreira, V. R. M. “Investidor olha o mercado, mas vê apenas parte dele”. Valor Econômico, São Paulo, p. D2, 20 maio 2008.
Ferreira, V. R. M. “O papel do medo na tomada de decisão de investimento”. Valor Econômico, São Paulo, p. D2, 22 abr. 2008.
Ferreira, V. R. M. “O perigo da intolerância à frustração nos investimentos”. Valor Econômico, São Paulo, p. D2, 26 mar. 2008.
Ferreira, V. R. M. “Quanto mais, melhor?” Financenter – seu guia de finanças pessoais, São Paulo, 18 mar. 2008.
Ferreira, V. R. M. “Medo pode ser o pior conselheiro na gestão financeira”. Valor Econômico, São Paulo, p. D2, 03 mar. 2008.
Ferreira, V. R. M. “O problema é que os investidores só querem boas notícias”. Valor Econômico, São Paulo, p. D2, 23 jan. 2008.
Ferreira, V. R. M. “Em time que aparenta estar ganhando não se mexe?” Valor Econômico, São Paulo, p. D2, 20 dez. 2007.
Ferreira, V. R. M. “Quando comprar é vício”. Financenter, 10 nov. 2007.
Ferreira, V. R. M. “Por que o endividamento das pessoas tem crescido? III”. Valor Econômico, São Paulo, p. D2, 06 nov. 2007.
Ferreira, V. R. M. “Será possível virar o feitiço contra o feiticeiro?” Valor Econômico, São Paulo, p. D2, 30 out. 2007.
Ferreira, V. R. M. “Por que o endividamento das pessoas tem crescido? II”. Valor Econômico, São Paulo, p. D2, 16 ago. 2007.
Ferreira, V. R. M. “Psicologia Econômica”. Psique – Ciência & Vida, São Paulo, p. 70 - 77, 20 jul. 2007.
Ferreira, V. R. M. “Por que o endividamento das pessoas tem crescido? I”. Valor Econômico, São Paulo, p. D2, 14 jun. 2007.
Ferreira, V. R. M. “Qué pueden informar-nos los orígenes de la psicología económica?” Inpsicon.com – Investigación en Psicología del Consumidor, Bogotá, Colômbia, 21 maio 2007.
Ferreira, V. R. M. “O deus chamado etanol e o diabo da alta taxa de juros”. Valor Econômico, São Paulo, p. D2, 12 abr. 2007
Ferreira, V. R. M. “Como a apresentação das notícias interfere nas avaliações”. Valor Econômico, São Paulo, p. D2, 14 mar. 2007.
Ferreira, V. R. M. “Percepção de sucesso financeiro é ligado à satisfação pessoal”. Valor Econômico, São Paulo, p. D2, 21 dez. 2006.
Ferreira, V. R. M. “A Psicologia pode ajudar as finanças”. Portal Exame Guia do Investidor, São Paulo, 19 dez. 2006.
Ferreira, V. R. M. “Na ilusão da inflação, trem que para vira bicicleta e todos caem”. Valor Econômico, São Paulo, p. D2, 23 nov. 2006.
Ferreira, V. R. M. “Venceu o prazo de validade de suas decisões econômicas?” Valor Econômico, São Paulo, p. D2, 11 out. 2006.
Ferreira, V. R. M. “Decisões econômicas vistas de um ponto de vista psíquico”. Informativo INI, Rio de Janeiro, 10 out. 2006.
Ferreira, V. R. M. “As decisões econômicas e a forte influência das emoções”. Valor Econômico, São Paulo, p. D2, 20 set. 2006.
Ferreira, V. R. M. “Pensando os investimentos”. Investidor Individual, São Paulo, p. 35 - 35, maio, 2006.
Membership
ICABEEP-The International Confederation for the Advancement of Behavioral Economics and Economic Psychology - Executive Committee
IAREP-International Association for Research in Economic Psychology representative in Brazil
SABE-Society for the Advancement of Behavioral Economics
Service and additional information
Reviewer for:
Journal of Economic Psychology
JISTEM – Journal of Information Systems and Technology Management
Estudos de Psicologia (Natal)
Revista Brasileira de Gestão de Negócios
Revista Psicologia Clínica PUC-RJ
Ph.D and Master’s Examiner on grounds of notorious specialization
Round-table coordinator: “The history of economic psychology”, at the XXX IAREP Congress – “Absurdity in the Economy”, Prague, 2005, with pioneers in the field
Co-organizer: Pré-Encontro de Psicologia e Economia: fronteiras, convergências, dilemas, São Paulo, 2002
Creator: homepage of reference and dissemination of economic psychology and psychoanalysis, in 2000 - www.verarita.psc.br
Idioms:
English: Proficiency in English Diploma, Cambridge University, UK; Proficiency in English Diploma, Ann Arbour University, Michigan, US
Spanish and French: good level reading and communication
Invited Talks
2013
Cenário brasileiro, principais desafios para a educação financeira no Brasil e as contribuições da Psicologia Econômica
Experiência britânica e boas práticas em educação financeira e Recomendações para políticas de educação financeira
- Educação Financeira no Brasil: Diálogos com o Reino Unido – Banco Central do Brasil e British Embassy in Brasília
2012
Avaliação de Resultados e Psicologia Econômica
- II Workshop ENEF – avaliação de impacto do projeto educação financeira nas escolas
Banco Mundial – Associação Brasileira de Educação Financeira – Comitê Nacional de Educação Financeira-Conef, São Paulo
Psicologia Econômica e Superendividamento
- 1º. Encontro da Defensoria Pública [Núcleo de Defesa do Consumidor – NUDECON, RJ] e PROCON-Carioca sobre Superendividamento, Rio de Janeiro
- Tribunal de Justiça de Pernambuco e Escola da Magistratura de Pernambuco - Programa de Tratamento de Consumidores Superendividados (PROENDIVIDADOS), Recife, PE
Psicologia Econômica e Educação Financeira
- CVM-Comissão de Valores Mobiliários – Escola de Educação Financeira – Rio Previdência, Rio de Janeiro
Psicologia Econômica e Tomada de Decisão – tomamos sempre as melhores decisões para nós mesmos?
- Bradesco Vida e Previdência – CONARH 2012, São Paulo
Riscos de Gestão – Os Desafios Financeiros e Psicológicos
- Fundação CEEE-RS, Porto Alegre, RS
Escolhemos sempre o que é melhor para nós? Psicologia econômica e decisões sobre aposentadoria
- II Congresso Brasileiro de Orientação para Aposentadoria nas Organizações, Florianópolis, SC
Psicologia Econômica – decisões econômicas e endividamento
- FORLUZ - Fundação Forluminas de Seguridade Social, Belo Horizonte, MG
Psicologia Econômica e Programas de Educação Financeira e Previdenciária
- Lançamento do Programa Integrado de Educação Financeira e Previdenciária de Santa Catariana – ASCPREV-Associação Catarinense das Entidades de Previdência Complementar, Florianópolis, SC
Decisões Econômicas – você já parou para pensar?
- BRITCHAM – The British Chamber of Commerce and Industry in Brazil, São Paulo
Psicologia Econômica e Tomada de Decisão – escolhemos sempre o que é melhor para nós?
- Banco do Brasil Private, Atibaia, São Paulo
Psicologia Econômica
- CPA/M-3 da Polícia Militar do Estado de São Paulo, São Paulo
2011
Avaliação de impacto: avaliação de resultados – com pitadas de psicologia econômica. Banco Mundial e BM&FBOVESPA
- I Workshop ENEF - avaliação de impacto do projeto educação financeira nas escolas em 2010, Rio de Janeiro
Psicologia econômica e mudança de comportamento
- Workshop Banco Central e GIZ (Deutsche Gesellschaft für Internationale Zusammenarbeit) – Financial Education for Adults – Deepening Strategic Discussions, Brasília
Como lograr cambios en las conductas de los clientes frente a recomendaciones de seguridad?
- V Congreso de Prevención de Fraude y Seguridad, ASOBANCARIA, Bogotá, Colombia
Comunicação, comportamento e relacionamento com o participante de previdência complementar – como a psicologia econômica pode contribuir para o aprimoramento destes pontos?
- III Encontro de Previdência Complementar – Região Sul, Gramado, RS
Decisões econômicas - você já parou para pensar?
- FLIT - Feira Literária Internacional do Tocantins, Palmas
Decisões Econômicas - você já parou para pensar?
Workshop Banco Fibra, São Paulo
Educação financeira, psicologia econômica e uso responsável do crédito
- 6o. CMEP - Congresso de Meios Eletrônicos de Pagamento - FEBRABAN – ABECS, São Paulo
Escolhemos sempre o que é melhor para nós? Desafios psicológicos para a previdência complementar
- 32o. Congresso Brasileiro dos Fundos de Pensão - Visão de Futuro - Inovar no Presente
La psicología económica y su impacto en los programas de educación financiera
- I Congreso de proteción al consumidor y educación financeira, ASOBANCARIA, Bogota, Colombia
O Crédito Transformando as Relações de Consumo - O consumidor diante do mercado de crédito - psicologia, comportamento, desafios de comunicação segmentada e complexidade de produtos e serviços
- FEBRABAN – SEMARC – seminário de relacionamento com clientes, São Paulo
Psicologia Econômica
- Ciclo de Seminários do Núcleo de Cognição e Sistemas Complexos – UFABC, Santo André
Psicologia econômica - como enfrentar desafios psicológicos na hora de tomar decisões?
- Complexidade – Gestão e Produção de Valores no Cenário Contemporâneo – Fundação Dom Cabral, Belo Horizonte
Psicologia econômica – comportamento econômico e tomada de decisão
- Diálogos Transdisciplinares – CETRANS, São Paulo
Psicologia Econômica e Finanças Comportamentais
- Geração Futuro, São Paulo
Psicologia Econômica e Tomada de Decisão – escolhemos sempre o que é melhor para nós?
- Encontro IBEF, Porto Alegre
2010
A psicologia e os investimentos
- Sulamerica VIPIN, São Paulo
Como a psicologia econômica pode contribuir com programas de educação financeira e previdenciária?
- Seminário PREVIC de Educação Financeira e Previdenciária, Brasília
Decisões econômicas – você já parou para pensar?
- XV Seminário – PSQV - saúde mental e trabalho na organização pública, Secretaria da Fazenda do Ceará, Fortaleza
Financial education – can economic psychology and behavioural economics help to improve it?
- OECD-Bank of Italy Symposium on Financial Literacy: Improving Financial Education Efficiency, Rome
O ‘x’ da questão é o ‘nc’ – as contribuições da psicologia econômica para a inclusão e a educação financeira
- Painel educação financeira e proteção ao consumidor – educação financeira: elemento-chave para inclusão responsável - II Fórum Banco Central sobre Inclusão Financeira, Brasília
Prepare sua mente para evitar cair em ciladas financeiras – com a ajuda da psicologia econômica e da psicanálise
- EXPO MONEY, São Paulo
Psicologia e Decisões Econômicas
- Mini-evento do Núcleo Decide FEA/USP: Psicologia e Decisões Econômicas, São Paulo
Psicologia Econômica
- SANOFI-AVENTIS, São Paulo
Psicologia Econômica
- Semana de integração - PSICOPUC-SP, São Paulo
Psicologia Econômica – comportamento econômico e da tomada de decisão
- Palestras FAAP Pós-Graduação, São Paulo
Psicologia Econômica e Investimentos
- Programa de Educação Previdenciária, Salvador
Risco e desafio – a cabeça do líder na hora da decisão
- 500 MAIORES DO SUL – Revista AMANHÃ e PWC, Porto Alegre, Curitiba and Joinville
E agora, José?
- EXPOMONEY 2010, São Paulo
Psicologia, massa e decisões
- Encontro Internacional Plásticos – Imagem e Desafios, São Paulo
2009
Reações de massa e o comportamento do investidor brasileiro em tempos de crise (sharing the panel with Nobel Daniel Kahneman)
- 5o. Congresso ANBID de Fundos de Investimento, São Paulo
Aspectos Comportamentais na tomada de decisão
- I Forum de economia sobre a crise – FIERGS/IEL, Porto Alegre
Psicologia Econômica
- Ciclo de Palestras do CORECON-SP, São Paulo
Psicologia econômica e a crise, com reflexos para os investidores
- 11º Encontro Nacional de Relações com Investidores e Mercado de Capitais, São Paulo
Psicologia econômica e decisões
- Sulamerica previdência e investimentos, São Paulo
Aspectos psicológicos em bolhas e crashes.
- Fundação Cinemateca de São Paulo, São Paulo
2008
Managing portfolios in times of turbulence – investor behaviour
- Family Wealth Across – Private Bank Itaú, Punta del Este, Uruguai
Comportamento econômico e decisões econômicas
- III CBPOT - III Congresso brasileiro de psicologia organizacional e do trabalho, Florianópolis
Consumo, psicologia econômica e tomada de decisão
- Fundação PROCON, São Paulo, Santo André
Decisões Econômicas e Emoções – Você já parou para pensar?
- Ciclo Petros de Previdência - O valor do seu Futuro, Rio de Janeiro, Belo Horizonte
Finanças pessoais e fatores psicológicos na tomada de decisão
- Workshop FIPECAFI de finanças pessoais e fatores psicológicos na tomada de decisão, São Paulo
Psicologia econômica e áreas de aplicação
- CVM – como você está cuidando do seu dinheiro?, Rio de Janeiro
Psicologia Econômica e Tomada de Decisão
- I Seminário Finanças Pessoais, Empreendedorismo e Perspectivas da Economia, Rio de Janeiro
Decisões econômicas e emoções - você já pensou como elas afetam a sua vida?”
- Encontro com Notáveis, CIEAM - Centro da Indústria do Estado do Amazonas, Manaus
Comportamento econômico e tomada de decisão
- EXPO MONEY 2008, São Paulo, Rio de Janeiro, Porto Alegre
2007
Psicologia econômica e planejamento financeiro: uma proposta de diálogo
IBCPF – Planejamento Financeiro e a Psicologia Econômica, São Paulo
Psicologia econômica e sobreendividamento
Workshop OIT-Sindicato dos Metalúrgicos do ABC sobre endividamento, São Bernardo do Campo
Psicologia Econômica: Microfinanças e os Estudos sobre Tomada de Decisão
- 6a. Reunião do Forum Paulista de Microfinanças, São Paulo
Psicologia econômica e investimentos
- Expo Money, São Paulo
2006
Psicologia econômica e investimentos
- BOVESPA
Decisões econômicas e emoções
- Expo Money, São Paulo
2005
Informação econômica, ilusão e política pública
- PUC-SP
Dinheiro - olhando para dentro - algumas idéias e exercícios sobre a realidade, a ilusão, o mundo psíquico e os resultados concretos
- Expo Money, São Paulo
2004
Psicologia Econômica – passado, presente e futuro
- Universidade Ibirapuera
Dinheiro – realidade ou ilusão? - fatores emocionais presentes na relação com o dinheiro
- Expo Money, São Paulo
2003
Psicologia Econômica – história e inserção no Brasil
- II Congresso de Neuropsicologia e Aprendizagem, Poços de Caldas, MG
2002
Ilusão e informação - podemos contribuir para aumentar o conhecimento sobre a conjuntura econômica?
- Interpsic, São Paulo
A insatisfação frente ao trabalho - como tornar bom um mau negócio?
- C.I.E.E., São Paulo
2001
O que é Psicologia Econômica. 2001
- Interpsic, São Paulo
1999
Funcionamento mental, dinheiro e trabalho
- Interpsic, São Paulo
1996
Inteligência emocional
- Prefeitura do Município de São Paulo, São Paulo
Contact:
Vera Rita de Mello Ferreira
Vértice Psi – Psicologia em Treinamento, Consultoria e Clínica (EIRELI)
Rua Itapicuru 613 cj.102 Perdizes 05006-000 SP
email: verarita@verarita.psc.br
website: www.verarita.psc.br
phone: 11-3864-4232; 11-8259-6258
3. VERA RITA DE MELLO FERREIRA is Brazilian, born in São Paulo, the country's largest city, in the middle of the century. She likes to think of herself as a 'researcher of the inner world', in the sense of being someone who has a special interest for mental operations, with emphasis over the emotional aspects.
Such interest is manifest in her own analytic experience, considered to be the fundamental basis for her training as a psychoanalyst, along with her clinical work with adults and children, of course. As of lately, another factor has been added - her work with a consultancy offered to those who wish to reflect upon the perspectives of development of their professional condition.
She graduated in Psychology at the Pontificia Universidade Catolica de São Paulo (PUC-SP) in 1979, having studied also at the State University of New York at Buffalo for one year, in 1975. Soon after graduating she began a specialization course in Psychoanalysis at Instituto Sedes Sapientiae, that also included Children's Psychoanalysis.
The beginning of the career had the kind of difficulty that involves this type of work - it is necessary to develop internal conditions first, in order to be able to work with other people. So, in the meantime, she taught English to Brazilians, and worked as an educational orientator - besides a lot of analysis as well!
Slowly the work at the private office began to happen, as it became, through the analytic experience, gradually more and more possible to tolerate - and enjoy - her own emotional world.
Between 86 and 89 a new professional area opened up - professor of 'Theories and Technique in Psychotherapy', at Universidade de Guarulhos. An excellent opportunity to study more thoroughly the material that had been discussed and read during the specialization course, to organize all those ideas, and begin to have her own psychoanalytical framework. Besides that, the contact with the students turned out to be extremely stimulating and challenging, as they would come up with the most disconcertingly simple questions, exactly those points that ought to be better thought about and cleared. Some study groups started around this time, as a result of students' requests, who wanted to have a greater contact with the ideas of Freud and Klein.
Between 90 and 93, the interest in mental functioning took shape as an approach towards its most 'visible' face, so to speak - the psychotic kind of thinking. An invitation from a psychiatrist and psychoanalyst, Carlos Videira, takes her to a State day-hospital for psychotic patients (CAPS-Centro de Atenção Psico-Social Luiz da Rocha Cerqueira), to develop a research through a series of observations and later on, becoming the co-therapist of a group of patients, which came to result in an essay named "Thinking and Violence" (see link).
From 87 to 93 she was also a member of study groups and a course about Freud, Klein and Bion.
In 94 she enters the Master's program of Social Psychology of Work at Universidade de São Paulo (USP), as a special student. She then has the happy surprise of coming to the realization that the 'marriage' of ideas from Psychoanalysis and from Social Psychology does not seem to be entirely impossible - even though there may be some obstacles. She becomes especially interested in the possibility of using the foundations furnished by psychoanalytical theories to observe and discuss aspects involving economics, work and the professional life.
In 95 she is officially admitted at the program, with a project to study the psychic resonance of phenomena linked to economic inflation, the several - and in most cases vain - government measures to stop it, and finally the stabilization of the currency that had just begun as of 1994.
The project became a dissertation defended in 99, under the title: "The Emotional Component - mental functioning and illusion at the light of economic transformation in Brazil since 1985", published as a book, by Editora Papel e Virtual, in 2000.
In 95, however, the contact with all these ideas had already originated a practical consequence - the beginning of a work of individual consultancy, covering the professional and economic areas of life, that had the aim of illuminating as best as possible the factors related to the management of career or small business. The 'extra bonus' here would be the background represented by the analytic experience, which could help the upcoming of a contact of a different nature with the client, thus favoring other conditions to appear and and expand the perspectives to discuss the problems brought by the client. One of the instances of this consultancy was used as a case study in the dissertation, and this kind of work continues to this date. It has also been supplying data for further studies in this area, as well as a book that shall be written in the near future, to describe an experience in a semi-documental way.
In 2000, the contact with colleagues who navigate in similar waters have broadened - through an international discussion list about Bion, a link was made with Allan Shafer, one of the directors of AISA (see link), and with this Australian institute that also offers consultancy based on the ideas of Bion - a curious approach between the kind of work that 'was born' here, in a rather particular way, and yet met with this group that has been working along these lines for several years - and we have been able able find things in common, coming from opposite parts of the world...
Also IAREP (see link), the Economic Psychology Association she has become a member of, that has presently as its president Paul Webley, from the University of Exeter, England, and who is one of the authors referred to in her dissertation. Later on, the contact with SABE (see link) too, another association with a converging interest, this time economists concerned about behaviour.
All these contacts, made possible by Internet, plus some other contacts with the inner world, made possible by analysis - :-) - have given rise to the desire to create this site, with the objective of facilitating the exchange of ideas and expanding knowledge, with the help from such agile and long-range instrument. Along with the publication of this first book, above mentioned, this homepage represents the major project in this end of the millennium.
In 2002 she starts to teach 'Organizational Intervention' at the School of Psychology of Universidade Ibirapuera, in São Paulo
(And besides all this, a lot of swimming - always! - and some hiking, whenever possible.)
Some further information (as time goes by...):
In 2001, she presented a paper at the 26th Congress of Economic Psychology, in Bath, U.K., about some possible connections between emotional aspects and the experience of inflation and stabilization of the currency in Brazil, which had been the subject of her dissertation (see link).
In 2002, at the 27th Congress of Economic Psychology, which took place along wih the annual conference of Behavioural Economics, in Turku, Finland, she presented a paper that discussed some issues involving methodology of applied research from a psychoanalytical point of view (see link).
In 2002 she also co-organized the Pré Encontro de Psicologia e Economia - fronteiras, convergências, dilemas (Pre-Encounter of Psychology and Economics - frontiers, convergences, dilemmas), which gathered for the first time in Brazil researchers and people interested in this area of intersection. There were Brazilian and international speakers (see link).
She was also accepted at the Ph.D. programme in Social Psychology at the Pontifícia Universidade Católica de São Paulo, in 2002, with the project 'History of Economic Psychology - can the historical survey of this discipline help constitute it in Brazil?', under the supervision of Dr.Maria do Carmo Guedes.
At the same time, the interest in methodology issues, which was already present at the dissertation, along with epystemology and philosophy of science, deepens as she begins to teach this topic at Universidade Ibirapuera too.
Ops! This ends here, because it is an 'outdated update'! But my story goes on, as you may have read above... |
