- Many people struggle with debts: debts shape their priorities, push them to earn more, thus
impacting the environment, stress them and foster inequalities, migration, vulnerability or even
- “Get rich now” attitude: makes people take unthoughtful and emotional decisions, believe in
scams more easily and turn a blind eye to unethical practices.
- Money is seen as personal: spouses or families don’t decide together, causing arguments,
divorces and estate issues, and the impact of consumption or investment decisions on others is
- Technical: financial education is reduced to using relevant financial products.
Design training programmes encouraging:
- Problem solving: to positively impact their lives, participants to our programme learn to analyse
their problems – whether financial or not – and find practical solutions that work for them and
- Common sense and critical thinking: we use daily life language and situations and colourful
pictures to make money less mysterious and build participants’ confidence.
- Ethics and mindfulness: 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.
- Respect: Earning a low income doesn’t mean not being able to manage money. Each programme
is highly participatory and built from what people already know.
- Role-modelling: we empower social workers, NGOs staff, low income people who then positively
influence their peers and families.
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trained by a+b=3
trained directly by a+b=3 and by the 1,150 facilitators