Turning money from a problem... |...into a solution | A + B = 3 training is practical | A + B = 3 training is human-centred
A + B = 3 designs practical financial education training to help reduce financial vulnerability, debts and stress. We train NGO and school staff to run these training. We support grassroot organisations include money management in their programmes.
We focus on people and help participants to our programme analyse their financial problems and find practical solutions that work for them and their family. We use daily life language and situations and colourful pictures to make money less mysterious and build participants’ confidence.
Ethics
Money is a social tool that links people: someone’s income is someone else’s expense. Honesty and fairness are more critical to make this world a better place than saving or planning. We are independent from financial services providers.
Partnership and role-modelling
We empower social workers, NGOs staff, low-income people who then positively influence their peers and families. We are building a network of like-minded organisations, pooling our respective expertise.
a+b=3 was created in Hong Kong in 2005 to help migrant workers overcome their financial challenges, especially over- indebtedness and unsustainable remittances to their families. Very soon, we extended our …
Our vision is to turn money from a problem to a solution. Money is social: when we spend, save, invest or run a business, it impacts others; for us, a …
Since 2006, we have worked with NGOs and developed hands-on, simple and relevant programmes. Because we are independent from financial institutions, our programmes are not biased and focus on solving …
You want to build your own or your staff’s capacity in finance and entrepreneurship. Financially literate NGO staff can make an even bigger difference. When they facilitate a programme on …
Together against financial vulnerability: Your organisation’s main goal is financial education: follow our certification program and join our network! Benefit from our more than 15-year experience in facilitating financial education …
Community training by A + B = 3 partners
Testimonials
a+b=3 in numbers
1720
Facilitators trained
75810
People trained
240
NGOs reached
310000
Individuals have learned from their peers and families
Watch our webinar – and read the key points below. Parents are anxious to have their children learn about money. As we analyse in this webinar, parents’ motives are diverse: …
Poor people often borrow money to make ends meet, but their debts add a burden they struggle to pay back. As these people juggle with financial issues, surely better money …
In our second webinar, we gave some insights on this important but difficult question: how to measure the impact of financial education. The first challenge is that financial education is …