Abstract:

In Colombia, when syllabus design is made, some transversal subjects are included in the final document presented by the educational institution. However, these transversal subjects are always proposed by the education authority, appointed by the central government to offer quality standards in public education.

Despite this normative, factors as financial education and entrepreneurship are not included in pensum from institutions of secondary education in Colombia, not for the nonexistence of a law about it, but for the lack of a politic that join the law for the inclusion of this factors in the institutional syllabus.

This paper is the result of the research based on different topics of financial education, where the principal objective is to offer an initiative to the productive market, of growing in knowledge of aspect of financial things, and reduce the risks when decisions of this matter are taken. Also, in this studio find how the financial education, may be an essential way to decrease the risk when a graduated of high school starts a new project of business entrepreneurship.

As a qualitative approach, this research uses a descriptive type of methodology, using poll and interview to businessman of Small and Medium Enterprises (SMEs), a group that, in Colombia, has made the decision to start a new business, not because they found an opportunity in a special market, but because, in most of the cases, they need to support their families, so they start new companies, hoping that in this way they will find economic solvency.

This kind of business starts because in some social groups the state is not able to offer enough coverage of opportunities, so the best way for the people to find this inexistence ways of social development, is starting business, without knowledge about how must act a director of a company.

With the data from students and businessman, a proposal of a politic will be made, in which will be included the most important aspect for the businessman identify as the elements that a high school graduated needs to start an idea of entrepreneurship.

Keywords:

Financial education, institution, normative.