Raphael Amaro

Raphael Amaro has a PhD in Business and Economics with a specialization in Finance from the University of Aveiro, a MSc in Business Administration from the Universidade Federal de Santa Maria, an MBA in Financial Management, Controllership and Audit from the Fundação Getúlio Vargas, and a degree in Economic Sciences from the Universidade Federal de Santa Maria. Presently, he works for the Brazilian Federal Government's Ministry of Planning and Budget.

Publications

The Role of Financial Literacy in Financial Behaviour in Angola
The Role of Financial Literacy in Financial Behaviour in Angola
Cláudio Félix Canguende-Valentim, Henrique da Silva Pascoal, Luís Malheiro Matateu, Lino Cassivela Joaquim, Raphael Amaro, Brian Valentim, Eduardo Sapalalo, António Mamba Cambungo. © 2024. 18 pages.
Angola's financial system is underdeveloped, with low bank penetration and a lack of access to essential financial services. Through financial literacy and financial...
The Effect of Financial Literacy and Mobile Payment on Financial Inclusion
The Effect of Financial Literacy and Mobile Payment on Financial Inclusion
Cláudio Félix Canguende-Valentim, Raphael Amaro, Luís Malheiro Matateu, Brian Gande Valentim, Lino Cassivela Joaquim, Henrique Da Silva Pascoal, Ernesto Wali Arão, Artur Pedro Alfredo. © 2024. 17 pages.
Angola faces a number of challenges related to financial inclusion. The country's financial system is underdeveloped, with a low penetration of banks and a lack of access to...