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.
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.
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 learn more or build your staff’s capacity in finance and entrepreneurship. Financially literate NGO staff can make an even bigger difference. When they facilitate a programme on …
Your organisation, school, training centre or company is looking for a trainer to run a financial literacy training. Whether this training is for your staff, students or beneficiaries, our first …
Financial literacy teaches to prioritise expenses. By consuming less, and spending more carefully, we waste less and reduce our carbon footprint. Switching off electricity, reducing heat/air conditioning by a degree …
How to approach entrepreneurship with young people? Quite simply, by simulating running a small shop! Young people set up a shop, buy, sell, negotiate and keep accounts… and compete with …
The day began with a training with young people facilitated by John, one of the trainers participating in these five-day training, and by Jean-Michel, from APPEC, a+b=3’s partner in DR …
