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# A + B = 3 : Learning Centre

Social enterprise designing financial education programmes

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## Posts

- [Blog](https://aandbmake3.org/blog/)
- [Webinaire : 20 ans d'éducation financière](https://aandbmake3.org/fr/2025/12/13/webinaire-20-ans-deducation-financiere/) - Dans ce webinaire exceptionnel, nous avons partagé nos 20 ans d'expérience en éducation financière. L'éducation financière repose sur des postulats fondamentaux qui ne correspondent pas à la réalité de la plupart des gens. Maîtriser les petites dépenses auxquelles on ne prête pas attention peut améliorer sa situation financière. C'est en grande partie faux… Dans de
- [Webinar: 20 years of financial education](https://aandbmake3.org/2025/12/12/webinar-20-years-of-financial-education/) - In this special webinar, we discussed our 20 years of experience in financial education. Financial education is based on fundamental assumptions that don't reflect the reality of most people. Controlling small expenses that people are not careful about can change their financial situation. Mostly false… in many cases, people, especially low-income people, manage their expenses,
- [a+b=3 célèbre ses 20 ans !](https://aandbmake3.org/fr/2025/11/14/ab3-celebre-ses-20-ans/) - 20 ans ! En novembre 2005, j'ai fondé a+b=3 à Hong Kong. Nos programmes de formation ont touché 6 000 personnes directement et environ 80 000 personnes grâce aux formateurs que nous avons formés pour animer nos formations. Ce que les chiffres ne montrent pas, c'est l'impact réel et tout ce que j'ai appris. Pour
- [a+b=3 celebrates 20 years!](https://aandbmake3.org/2025/11/14/ab3-celebrates-20-years/) - 20 years! In November 2005, I founded a+b=3 in Hong Kong. Our training programmes have directly impacted 6,000 people and approximately 80,000 through the trainers we've trained to deliver our workshops. What the numbers don't show is the real impact and everything I've learned. For our 10th anniversary, we organised an exhibition about money (the
- [13 tips for managing your money](https://aandbmake3.org/2025/11/02/13-tips-for-managing-your-money/) - If you don't know the problem, you can't find the solution: note down/ follow your accounts. Don't spend more than you have. Today's debt = spending tomorrow's income. Carry only what you can bear : don't overcommit. Focus on what matters. Don't walk blindfolded: plan! Planning a little is better than not planning at all.
- [Helping families who run small businesses](https://aandbmake3.org/2024/08/17/helping-families-who-run-small-businesses/) - Many low income families run small businesses, so the second part of our training the trainers on helping families with financial problems organised by Enfants du Mekong, focused on small businesses. First, participants (who all work in NGOs) experienced running a small business, and identified the challenges of self-employment. We usually run this game using
- [Building students' financial skills](https://aandbmake3.org/2024/08/17/building-students-financial-skills/) - Refresher of our updated training aiming at building students' financial skills at Enfants du Mékong. When students move to Phnom Penh and start university, money is a big challenge: it is very easy to buy things in a big with plenty of shops open 24 hour a day, coffee places everywhere and a new lifestyle.
- [Generating income to improve handicapped children inclusion in Madagascar](https://aandbmake3.org/2025/03/06/generating-income-to-improve-handicapped-children-inclusion-in-madagascar/) - Mr. Joseph Patrick, from the DREN Atsinanana, in Madagascar, whom we trained in 2015, facilitated two training courses for women on how to set up and manage a microbusiness. This project is in partnership with the organisation Humanité Inclusion to help parents of children with disabilities to send the latter to school through income-generating activities.
- [Générer des revenus pour améliorer l'inclusion des enfants handicapés à Madagascar](https://aandbmake3.org/fr/2025/03/06/generer-des-revenus-pour-ameliorer-linclusion-des-enfants-handicapes-a-madagascar/) - Mr Joseph Patrick, de la DREN Atsinanana, à Madagascar, que nous avions formé en 2015, a animé deux formations sur la création et la gestion d’une micro-entreprise auprès de femmes. Ce projet est en partenariat avec l'organisation Humanité Inclusion pour aider les parents des enfants handicapés à la scolarisation de ces derniers via des activités
- [A former student... turned facilitator](https://aandbmake3.org/2025/03/14/a-former-student-turned-facilitator/) - Since November 2024, money management training for Enfants du Mékong students in Cambodia has resumed at the Dr. Christophe Mérieux Center (Phnom Penh). Students in their first, second, and final years follow the programme designed in 2012 and revised in 2024 by a+b=3, in partnership with Enfants du Mékong. This programme was developed to best
- [Debt and prison](https://aandbmake3.org/2025/10/22/debt-and-prison/) - To illustrate the complexities of financial problems, this study on car purchasing, debt and incarceration in the United States is particularly interesting: How does this symbol of freedom that the automobile is for Americans lead them to a cycle of debt and imprisonment? ‘Cars and Jails’ by Julie Livingston and Andrew Ross : https://booksandideas.net/On-the-Road-to-Prison The
- [Gambling addiction](https://aandbmake3.org/2025/10/22/gambling-addiction/) - Gambling is a huge issue in all countries, especially among young adults who are desperate to earn an income. Here are a few links on this topic: The gambling habit 'swallowing' Kenya's youth: https://www.bbc.com/news/av/world-africa-48231778 Gambling as a global health crisis: https://www.theguardian.com/society/2024/oct/24/gambling-poses-huge-global-threat-to-public-health-experts-warn-lancet-commission This has huge implication on financial education.
- [La dépendance au jeu](https://aandbmake3.org/fr/2025/10/23/la-dependance-au-jeu/) - Le jeu est un problème majeur dans tous les pays, en particulier chez les jeunes adultes qui cherchent désespérément à gagner leur vie. Voici quelques liens sur le sujet : L'habitude du jeu qui « engloutit » la jeunesse kenyane : https://www.bbc.com/news/av/world-africa-48231778 Le jeu, une crise sanitaire mondiale : https://www.theguardian.com/society/2024/oct/24/gambling-poses-huge-global-threat-to-public-health-experts-warn-lancet-commission Cela a d'importantes répercussions sur l'éducation financière.
- [Are you financially literate ? Take our quiz](https://aandbmake3.org/2025/11/05/quiz/)
- [Quel est votre niveau d'éducation financière ? Faites notre quiz !](https://aandbmake3.org/fr/2025/11/07/quel-est-votre-niveau-deducation-financiere-faites-notre-quiz/)
- [13 conseils pour gérer son argent](https://aandbmake3.org/fr/2025/11/02/13-conseils-pour-gerer-son-argent/) - Si vous ne connaissez pas le problème, vous ne pouvez pas trouver la solution : notez et suivez vos comptes. Ne dépensez pas plus que vous n'avez. S'endetter aujourd'hui, c'est dépenser le revenu de demain. Ne portez pas plus que vous ne pouvez : attention aux engagements ! Concentrez-vous sur l'essentiel Ne marchez pas les
- [Les dettes et la prison](https://aandbmake3.org/fr/2025/10/22/les-dettes-et-la-prison/) - Pour illustrer les complexités des problèmes financiers, cette étude sur l’achat de voitures, l’endettement et l’incarcération aux Etats-Unis est particulièrement intéressante : Comment ce symbole de liberté qu’est l’automobile pour les Américains les mène-t-elle à un cycle d’endettement et d’emprisonnement ? https://laviedesidees.fr/En-voiture-pour-la-prison La grande question est : Comment inclure l’éducation financière en prison, d’autant plus
- [Un ancien étudiant devenu formateur](https://aandbmake3.org/fr/2025/03/14/un-ancien-etudiant-devenu-formateur/) - Depuis novembre 2024, les formations à la gestion de l’argent auprès des étudiants d'Enfants du Mékong au Cambodge ont repris au Centre du docteur Christophe Mérieux (Phnom Penh). Les étudiants en année 1, année 2 et dernière année ont suivi le programme élaboré en 2012, et révisé en 2024 par a+b=3, en partenariat avec Enfants
- [Friends-International self-employment](https://aandbmake3.org/2024/08/14/friends-international-self-employment/) - Friends-International invited a+b=3 to a two day training and brainstorming workshop to help their team include small business financial management to their self-employment programme.The workshop took place in F3 (Friends Futures Factory) where their vocational training centre and social enterprises are located. On the first day, we ran our “starting a new business” programme including
- [Construire les compétences financières des étudiants](https://aandbmake3.org/fr/2024/08/17/construire-les-competences-financieres-des-etudiants/) - Piqûre de rappel sur la version mise à jour de notre formation visant à renforcer les compétences financières des étudiants d'Enfants du Mékong. Lorsque les étudiants s'installent à Phnom Penh et commencent l'université, l'argent est un gros défi : il est très facile d'acheter des choses dans une grande ville avec de nombreux magasins ouverts
- [Aider les familles à gérer de petites entreprises](https://aandbmake3.org/fr/2024/08/16/aider-les-familles-a-gerer-de-petites-entreprises/) - De nombreuses familles à faibles revenus gèrent des petites entreprises. La deuxième partie de notre formation des formateurs sur l'aide aux familles en difficulté financière, organisée par Enfants du Mékong, s'est donc concentrée sur les petites entreprises. Tout d'abord, les participants (qui travaillent tous dans des ONG) ont expérimenté la gestion d'une petite entreprise et
- [Aider les familles en difficulté financière](https://aandbmake3.org/fr/2024/08/15/aider-les-familles-en-difficulte-financiere/) - Premier jour de notre formation des formateurs sur l'aide aux familles en difficulté financière. La formation se déroule à Phnom Penh et est organisée par Enfants du Mékong. Aujourd'hui, nous nous sommes concentrés sur les dettes, un problème majeur au Cambodge. Après avoir présenté une formation simple destinée aux familles, les participants ont pratiqué son
- [Friends-International - le travail indépendant](https://aandbmake3.org/fr/2024/08/14/friends-international-le-travail-independant/) - Friends-International a invité a+b=3 à animer un atelier de formation et de brainstorming de deux jours pour aider son équipe à inclure la gestion financière des petites entreprises dans son programme de travail indépendant.L'atelier a eu lieu à F3 (Friends Futures Factory) où se trouvent leur centre de formation professionnelle et leurs entreprises sociales. Le
- [Formation de formateurs - formation professionnelle](https://aandbmake3.org/fr/2024/08/05/formation-de-formateurs-formation-professionnelle/) - Formation de formateurs au Laos pour des organisations travaillant dans des programmes de formation professionnelle. Le premier jour, après l'introduction (jeu problème/solution), les participants ont géré une petite entreprise, puis l'après-midi, nous nous sommes concentrés sur la comptabilité (comptabilité de caisse) avec l'exemple d'une boutique de noix de coco. Nous avons utilisé la comptabilité pour
- [Training of Trainers - vocational students](https://aandbmake3.org/2024/08/05/training-of-trainers-vocational-students/) - Training of trainers in Laos for organisations working in vocational programmes for students. In our first day, after the introduction (problem / solution game), participants ran a small business, then in the afternoon, we focused on bookkeeping (cash accounting) with an example of a coconut shop. We used the bookkeeping to calculate the shop profit
- [Helping families with financial problems](https://aandbmake3.org/2024/08/15/helping-families-with-financial-problems/) - First day of our training the trainers on helping families with financial problems. The training takes place in Phnom Penh and is hosted by Enfants du Mekong. Today, we focused on debts, a huge issue in Cambodia. After showing a simple training for families, participants practised facilitating it.
- [Formation professionnelle - jour 2](https://aandbmake3.org/fr/2024/08/06/formation-professionnelle-jour-2/) - Deuxième journée de notre Formation de Formateurs au Laos avec des organisations proposant des programmes de formation professionnelle aux jeunes. Aujourd'hui, nous avons calculé combien les propriétaires-gérants de petites entreprises peuvent se rémunérer, puis nous nous sommes concentrés sur la gestion de l'argent personnel, avec notre jeu phare, le jeu du budget, joué en deux
- [Eduquer les étudiants à l'argent -  Vietnam](https://aandbmake3.org/fr/2024/08/10/eduquer-les-etudiants-a-largent-vietnam/) - Première formation de formateurs au Vietnam, où nous avons formé des éducateurs à organiser une courte formation sur la gestion financière pour les étudiants d'université. Les méthodes de formation ont été bien accueillies et nous avons discuté des défis financiers des jeunes. Les participants ont ensuite vécu la formation comme s'ils étaient des étudiants.
- [Les étudiants et la gestion de l'argent - Vietnam](https://aandbmake3.org/fr/2024/08/12/les-etudiants-et-la-gestion-de-largent-vietnam-2/) - Deuxième et dernier jour de notre formation des formateurs au Vietnam sur les étudiants et la gestion de l'argent. Ce matin, les participants se sont entraînés à animer cette courte formation, et l'après-midi, nous l'avons testée sur de vrais étudiants. Prochaine étape : inclure cette formation dans le programme extrascolaire des étudiants !
- [Students and money management - Vietnam](https://aandbmake3.org/2024/08/11/students-and-money-management-vietnam/) - Second and last day of our training the trainers in Vietnam on students and money management. This morning, participants practised facilitating the short training, and in the afternoon, we tested it on real students. Next step: include this training in the regular students' extracurriculum programme!
- [Educating students about money - Vietnam](https://aandbmake3.org/2024/08/10/educating-students-about-money-vietnam/) - First training the trainers in Vietnam where we trained educators to run a short training on money management for university students. Training methods were well received and we discussed about youth's financial challenges. Then participants experienced the training as if they were students.
- [Formation professionnelle - Jour 4](https://aandbmake3.org/fr/2024/08/08/formation-professionnelle-jour-4/) - Nous avons commencé la journée en testant deux parties de la formation avec de vrais étudiants. Deux animateurs, nouvellement formés, ont animé le jeu d'entreprise et le jeu de comptabilité. L'après-midi, nous nous sommes concentrés sur les problèmes de gestion d'entreprise et sur la manière de les résoudre, puis nous avons à nouveau pratiqué la
- [Vocational Students - TOT - Day 4](https://aandbmake3.org/2024/08/08/vocational-students-tot-day-4/) - We started the day by testing parts of the training with real students. Two facilitators, newly trained, facilitated the business game and the bookkeeping game. In the afternoon, we focused on current business management problems and how to address them, then we practised bookkeeping again and calculated the profit of a business with a weekly
- [Formation professionnelle - jour 3](https://aandbmake3.org/fr/2024/08/07/formation-professionnelle-jour-3/) - Aujourd'hui, les participants se sont exercés à l'animation ! Après quelques préparatifs, ils se sont lancés et ont animé une partie du programme de formation professionnelle des étudiants.
- [Vocational Students - TOT - Day 3](https://aandbmake3.org/2024/08/07/vocational-students-tot-day-3/) - Today, participants practised facilitating! After some preparation, they took the plunge and facilitated one part of the vocational students' training programme.
- [Vocational students - TOT - day 2](https://aandbmake3.org/2024/08/06/vocational-students-tot-day-2/) - Day 2 of our Training of Trainers in Laos with organisations offering vocational programmes to youth. Today, we calculated how much small business owners-managers can pay themselves, then we focused on managing personal money, with our flagship game, the budget game, played in two steps: first with a comfortable income, then with a very low
- [Formation de formateurs - Phnom Penh](https://aandbmake3.org/fr/2024/06/30/formation-de-formateurs-phnom-penh/) - Annouce : Formation de Formateurs – 15 au 16 août 2024 (Phnom Penh) - Aider les familles ayant des problèmes d'argent Apprenez à animer une formation sur la gestion des affaires et de l'argent Formation motivante et participative. Facile à adapter aux différentes situations familiales. Apprenez les bases de l’éducation financière. Jour 1 (15 août):
- [Training of Trainers - Phnom Penh](https://aandbmake3.org/2024/06/30/training-of-trainers-phnom-penh/) - Announcement: Training of Trainers – 15 to 16 August 2024 (Phnom Penh) - Helping families with money problems Learn how to facilitate a training on business and money management Engaging and participatory training. Easy to adapt to different families’ situations. Learn the basics of financial education. Day 1 (15 August): training on family’s over-indebtedness, budget
- [L'éducation financière des enfants](https://aandbmake3.org/fr/2024/02/16/webinaire-leducation-financiere-des-enfants/) - Regardez notre webinaire sur l'éducation des enfants – et lisez les points clés ci-dessous Les parents sont soucieux que leurs enfants apprennent ce qu'est l'argent. Comme nous l’analysons dans ce webinaire, les motivations des parents sont diverses : il existe une tendance générale à réduire l’éducation à un ensemble de compétences, et la gestion financière
- [Les femmes et la gestion de l'argent](https://aandbmake3.org/fr/2024/05/11/les-femmes-et-la-gestion-de-largent/) - Notre webinaire a commencé par énumérer certaines des idées préconçues les plus courantes sur les femmes et l'argent : les femmes dépenseraient plus, elles seraient plus prudentes dans leurs investissements, prendraient moins de risques, seraient plus altruistes et seraient plus stressées par l'argent. Le problème est que ces idées préconçues ne sont étayées par aucune étude
- [Women and money management](https://aandbmake3.org/2024/05/11/women-and-money-management/) - Our webinar started with listing some of the most common preconceptions about women and money: women would spend more, they would be more prudent with investment, and take less risk, be more altruistic, be more stressed by money. The problem is that these preconceptions are not backed up by any thorough studies that would prove
- [What age should we teach children about money?](https://aandbmake3.org/2024/02/14/what-age-should-we-teach-children-about-money/) - 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: there is a general trend to reduce education to a set of skills and money management is one of them; they want their children to
- [L'éducation financière peut-elle aider à réduire la pauvreté ?](https://aandbmake3.org/fr/2023/11/21/leducation-financiere-peut-elle-aider-a-reduire-la-pauvrete/) - Les pauvres empruntent souvent de l’argent pour joindre les deux bouts, mais leurs dettes ajoutent un fardeau qu’ils ont du mal à rembourser. Alors que ces personnes jonglent avec les problèmes financiers, une meilleure gestion financière – qu’ils peuvent apprendre grâce à l’éducation financière – devrait certainement contribuer à améliorer leur situation. Mais cette logique
- [Can financial education help reduce poverty?](https://aandbmake3.org/2023/11/21/can-financial-education-help-reduce-poverty/) - 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 management – that they can learn through financial education – should help improve their situation. But this logic fails to consider that poverty has many
- [Finance in pictures: reflection over ten years of financial education](https://aandbmake3.org/2016/05/11/finance-in-pictures-reflection-over-ten-years-of-financial-education/) - Reflections over 10 years of financial education: an exhibition was shown in Hong Kong and Phnom Penh in 2015 and Kinshasa in 2016 to challenge our views on finance in our lives. This exhibition is now available online: (click on CC for subtitles) https://youtu.be/o6RQ8-4wUEI https://youtu.be/pB61rhFKzCs https://youtu.be/bvd9Feinje4 https://youtu.be/4i90u7sTCWA https://youtu.be/8x0Xqog6iaA https://youtu.be/SSJvO08VmqI https://youtu.be/iftBwEfHo4Y https://youtu.be/cGDhbWKhRfA https://youtu.be/I5Wyk11_NHE https://youtu.be/kXuKBqRy4Ic https://youtu.be/LOFmj1VPX08 https://youtu.be/zWtlTZOraeI https://youtu.be/z5Xs1k3LOHQ https://youtu.be/x2hiTY16V1s https://youtu.be/qTLS5zs5uhM
- [The "Finance in pictures" exhibition in Kinshasa, DR Congo](https://aandbmake3.org/2016/05/23/the-finance-in-pictures-exhibition-in-kinshasa-dr-congo/) - During the Global Money Week organized by CYF that took place in Kinshasa from March 28 to April 3, APPEC-EDUCATION (the Association for the Promotion of Education in Entrepreneurship in Congo) with a + b = 3’s support, and in partnership with APROCEC (the Professional Association of Credit Cooperatives and Savings of DRC) presented the
- [La Finance en images](https://aandbmake3.org/fr/2016/01/31/la-finance-en-images/) - Réflexions sur 10 ans d'éducation financière : une exposition a été montrée à Hong Kong et Phnom Penh en 2015 et Kinshasa en 2016 pour offrir un autre regard sur le rôle de la finance dans nos vies. Cette exposition est maintenant disponible en ligne : (cliquer sur CC pour les sous-titres) 1) Les mots, les chiffres et les images :
- [Comment mesurer l'impact de l'éducation financière ?](https://aandbmake3.org/fr/2023/11/02/comment-mesurer-limpact-de-leducation-financiere/) - Dans notre deuxième webinaire, nous avons donné quelques idées sur cette question importante mais difficile : comment mesurer l'impact de l'éducation financière. Le premier défi est que l’éducation financière n’est pas seulement une question de connaissances et de compétences, mais dépend fortement de notre comportement. Même les personnes travaillant dans le secteur financier peuvent être
- [How to measure the impact of financial education](https://aandbmake3.org/2023/11/02/how-to-measure-the-impact-of-financial-education/) - 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 not only knowledge and skills, but heavily depends on our behaviour. Even people working in finance may experience overspending and debt. But as explained in
- [Epargne pour les dépenses de rentrée scolaire](https://aandbmake3.org/fr/2023/04/28/epargne-pour-les-depenses-de-rentree-scolaire/) - La dernière paire de participants de l'atelier de formation des formateurs de SAHI a pratiqué leur exemple de formation ce matin. Ils ont rendu leur exemple d'entreprise de salon de beauté encore plus réaliste en apportant de vrais flacons de shampoing, revitalisants et autres produits ! Juste après, nous avons accueilli deux groupes de vrais bénéficiaires.
- [Saving for back-to-school expenses](https://aandbmake3.org/2023/04/28/saving-for-back-to-school-expenses/) - The last pair of participants of SAHI Training-of-Trainers workshop practised training this morning. They made their beauty salon business example even more realistic by bringing real shampoo bottles, conditioners and other products! Right after, we welcome two groups of real beneficiaries. Participants practised their newly-acquired participatory training skills and facilitated a session on saving for
- [More practise sessions](https://aandbmake3.org/2023/04/27/more-practise-sessions/) - More practise sessions all day today - participants facilitate the training session they have designed to help beneficiaries with one specific issue. There is still too much talking - very usual for facilitators who are still new to participatory training methods - but the afternoon groups started to get the hang of it: don't tell
- [On continue à s'entraîner](https://aandbmake3.org/fr/2023/04/27/on-continue-a-sentrainer/) - On continue à s'entraîner aujourd'hui - les participants animent la session de formation qu'ils ont créée pour aider les bénéficiaires à résoudre un problème spécifique. Il y a encore trop de discours - très habituel pour les animateurs qui sont encore à découvrir les méthodes de formation participatives - mais les groupes de l'après-midi ont
- [S'entraîner à animer](https://aandbmake3.org/fr/2023/04/26/sentrainer-a-animer/) - Après avoir passé en revue les messages clés des jours précédents, les participants de SAHI ont calculé le capital dont ils avaient besoin pour démarrer une petite boutique de vente de noix de coco et en vivre. Un seul groupe a fait faillite - les autres avaient suffisamment de capital. Cela a marqué la fin
- [Practising facilitating](https://aandbmake3.org/2023/04/26/practising-facilitating/) - After reviewing key messages from the days before, SAHI participants calculated how much capital they needed to start a small coconut selling business and live off it. Only one group went bankrupt - the others had enough capital. This marked the end of experiencing various training activities... now is time for participants to learn how
- [Copier l'entreprise des voisins](https://aandbmake3.org/fr/2023/04/25/copier-lentreprise-des-voisins/) - Notre deuxième journée de formation des formateurs à l'invitation de SAHI, a débuté par un bilan des principales leçons apprises la veille : les participants ont transformé ces leçons en un jeu de problèmes/solutions et l'ont essayé sur leurs collègues. Nous avons présenté un exemple d'histoire et l'avons utilisé pour pratiquer la tenue des comptes -
- [Starting the same business as the neighbours](https://aandbmake3.org/2023/04/25/starting-the-same-business-as-the-neighbours/) - Our second day of training the trainers hosted by SAHI, started with a review of the main lessons learned the day before: participants turned these lessons into a problem/solution game and tried it on their colleagues. We introduced an example of story and used it to practise how to keep books - with an added
- [Into the shoes of a micro-entrepreneur](https://aandbmake3.org/2023/04/24/into-the-shoes-of-a-micro-entrepreneur/) - In the first day of our Training of Trainers in Manakara, Madagascar, organised by ATIA's local partner SAHI, participants have put themselves into the shoes of a micro-entrepreneur. We kicked off the day with our problem /solution game, followed by a reflection on the various financial issues faced by the beneficiaries of SAHI and the
- [Dans la peau d'un micro-entrepreneur](https://aandbmake3.org/fr/2023/04/24/dans-la-peau-dun-micro-entrepreneur/) - Lors de la première journée de notre formation de formateurs à Manakara, à Madagascar, organisée par le partenaire local d'ATIA, SAHI, les participants se sont mis dans la peau d'un micro-entrepreneur. Nous avons lancé la journée avec notre jeu problème/solution, suivi d'une réflexion sur les différents problèmes financiers rencontrés par les bénéficiaires de SAHI et
- [One day in Antanarivo, Madagascar](https://aandbmake3.org/2023/04/21/one-day-in-antanarivo-madagascar/) - The local NGO 'Projet SANDRATRA' which is funded by Apprentis d'Auteuil invited a+b=3 to run a one-day Training of Trainers in Antanarivo for the educators, social assistants and programme managers of the various organisations it supports (Centre NRJ, Graines de Bitume, ONG MANDA, HARDI Madagasikara). All these organisations work with street children and their families.
- [Une journée à Antanarivo, Madagascar](https://aandbmake3.org/fr/2023/04/21/une-journee-a-antanarivo-madagascar/) - L'ONG locale 'Projet SANDRATRA' qui est financée par Apprentis d'Auteuil a invité a+b=3 à animer à Antanarivo une formation d'introduction d'une journée pour les éducateurs, les assistants sociaux et les responsables de programmes des différentes organisations qu'elle soutient (Centre NRJ, Graines de Bitume, ONG MANDA, HARDI Madagasikara). Toutes ces organisations travaillent avec les enfants en
- [Can financial literacy play a role in addressing climate change?](https://aandbmake3.org/2023/02/27/can-financial-literacy-play-a-role-in-addressing-climate-change/) - 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 or two, buying fewer clothes, all this impacts our wallet and the Earth positively. But this is not that simple. Financial literacy can help address
- [L’éducation financière peut-elle jouer un rôle dans la lutte contre le changement climatique ?](https://aandbmake3.org/fr/2023/02/27/leducation-financiere-peut-elle-jouer-un-role-dans-la-lutte-contre-le-changement-climatique-2/) - L'éducation financière apprend à prioriser les dépenses. En consommant moins et en dépensant plus prudemment, nous gaspillons moins et réduisons notre empreinte carbone. Eteindre l'électricité, réduire le chauffage/la climatisation d'un degré ou deux, acheter moins de vêtements, tout cela a un impact positif sur notre portefeuille et sur la Terre. Mais ce n'est pas si
- [Entrepreneurship through a game: video](https://aandbmake3.org/2022/12/01/entrepreneurship-through-a-game/) - 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 each other. They must also decide, plan and agree with their partners. The game is multi-faceted and introduces different aspects of starting and running a
- [L'entreprenariat par le jeu : la vidéo](https://aandbmake3.org/fr/2022/12/01/lentreprenariat-par-le-jeu/) - Comment aborder l'entreprenariat avec les jeunes ? Tout simplement, en simulant la gestion d'une petite boutique ! Les jeunes montent une boutique, achètent, vendent, négocient et tiennent les comptes… et se concurrencent entre eux. Ils doivent aussi décider, planifier et s'entendre avec leurs partenaires. Le jeu a de multiples facettes et introduit les différents aspects
- [Formation en ligne en temps de pandémie](https://aandbmake3.org/fr/2021/09/24/formation-en-ligne-en-temps-de-pandemie/) - En raison de la pandémie de Covid-19, nous avons dû passer notre formation en ligne. Safehaven, une organisation cambodgienne qui apporte un soutien aux familles avec des enfants handicapés, nous a contactés afin d'organiser une formation pour leur personnel sur la gestion de l'argent. Les restrictions covid actuelles ont rendu impossible une formation de groupe
- [Online training - pandemic times.](https://aandbmake3.org/2021/09/24/online-training-pandemic-times/) - Due to Covid-19 pandemic, we had to shift our training online. Safehaven, a Cambodian organisation that provides support to families with children with handicap, contacted us to run a training for their staff on money management. Current covid restrictions made a face-to-face group training impossible, but staff were allowed to go to their office, provided
- [Family budget with allowances](https://aandbmake3.org/2022/05/19/family-budget-with-allowances/) - Pilot training on family budget in Marseille with a group of adults in professional transition living on allowances. After a first game on problems and solutions, the participants themselves chose the topics of the training: budgeting and controlling expenses, managing debt and money problems with family. In groups of two, the participants played a game
- [Empathie financière et économique](https://aandbmake3.org/fr/2022/07/13/empathie-financiere-et-economique/) - Formation d'une journée sur l'empathie financière et économique avec l'équipe d'Enfants du Mékong à Paris. Enfants du Mékong utilise nos programmes de formation pour les familles, les étudiants et les petites entreprises depuis 2007. Aujourd'hui, nous avons fait le point sur les formations utilisées dans les différents pays où opère Enfants du Mékong. Pour commencer,
- [Financial and economic empathy](https://aandbmake3.org/2022/07/13/financial-and-economic-empathy/) - One day training on financial and economic empathy with Enfants du Mekong's staff in Paris. Enfants du Mekong has been using our family budget, students and small business training programmes since 2007. Today, we gave one another an update on what training have been used in the various countries where Enfants du Mekong operates. To
- [Budget familial avec un RSA](https://aandbmake3.org/fr/2022/05/19/budget-familial-avec-un-rsa/) - Formation pilote sur le budget familial à Marseille avec un groupe d'adultes en reconversion professionnelle qui vivent avec le RSA. Après un premier jeu sur les problèmes et solutions, les participants ont eux-mêmes choisi les thèmes de la formation : budget et contrôle des dépenses, gestion des dettes et problèmes d'argent avec la famille. Par
- [Financial Education for high school students in Sokone (Senegal)](https://aandbmake3.org/2019/03/21/financial-education-for-high-school-students-in-sokone-senegal/) - "I think it was important because it allowed us to have notions about financial management for the future. We have already started with the school government. "The advantage lies in time management first, in our finances by making the difference between what is needed and what is futile - in a word, saving money." "A
- [Sondage sur l'impact](https://aandbmake3.org/fr/2019/05/17/impact-survey-2/) - Après nos formations au Burkina Faso, Sénégal et RD Congo, nous avons réalisé un sondage sur ce qu'ont changé les participants dans leur manière de gérer l'argent : le principal changement noté spontanément par toutes les personnes ayant répondu au sondage : la gestion des dépenses : moins de dépenses inutiles. 77% ont diminué leurs
- [ASCOVI - Kinshasa](https://aandbmake3.org/2019/08/18/ascovi-kinshasa-2/) - On 14, 15 and 16 August 2019, 23 members of ASCOVI (the Food Consumers' Association) who run small businesses participated in a money management training organised with the technical support of a + b = 3 and APPEC. The first day focused on the management of family money (spending priorities, budget, how to avoid debts,
- [Profit ou perte - formation pour les parents](https://aandbmake3.org/fr/2019/10/12/profit-ou-perte-formation-pour-les-parents/) - Tout en soutenant les enfants démunis à aller à l’école, Enfants du Mékong ne retire pas d’autant cette responsabilité à leurs parents. C’est dans cette optique que les travailleurs sociaux de Phnom Penh nous ont invités à faire un atelier de formation pour les parents qui sont à leurs comptes (vendeurs de gâteaux, élevage de
- [From mototaxis to market gardeners](https://aandbmake3.org/2019/12/04/from-mototaxis-to-market-gardeners/) - APPEC-Education (a + b = 3's partner in DR Congo) with the collaboration of the mototaxis union and COPEMECO trained more than two hundred people in October and November. A first training workshop was conducted in October with around thirty mototaxis on managing expenses, the importance of savings - especially for emergencies -, bookkeeping and
- [News from Madagascar](https://aandbmake3.org/2020/01/16/news-from-madagascar/) - On December 21, 2019, a dozen participants in financial education training organised by ASM2E (a + b = 3's partner in Taomasina, Madagascar) received their diploma. They represented the 351 people who attended the training programme divided into three sessions and several waves. During the graduation ceremony, the representative of the Caisse d'Epargne de Madagascar
- [Accompagnement des micro-entreprises](https://aandbmake3.org/fr/2021/03/19/accompagnement-des-micro-entreprises/) - Enfin une formation en présentiel, et sur un sujet urgent : les micro-entreprises ont été durement touchées par la pandémie ! Pendant deux jours, nous avons formé les bénévoles d'Enfants du Mékong qui sont prêts à partir en Asie dès l'ouverture des frontières. La formation des formateurs s'est déroulée au siège d'Enfants du Mékong à
- [Support for microbusinesses](https://aandbmake3.org/2021/03/19/support-for-microbusinesses/) - Finally a face-to-face training, and on an urgent topic: microbusinesses have been hit hard by the pandemic! For two days, we trained Enfants du Mekong's volunteers who are ready to go to Asia as soon as borders are open. The training of trainers took place in Enfants du Mekong's headquarters in Asnières, near Paris. Enfants
- [APEFP – partner of a+b=3 in Burkina Faso](https://aandbmake3.org/2022/06/06/apefp-partner-of-ab3-in-burkina-faso/) - Our Burkinabè partner APEFP (Association Pour l'Education Financière du Public) carried out a first face-to-face training on April 23, 2022 at Thomas Sankara University, with 54 students (against the 30 registered), training postponed due to the pandemic. APEFP trainers were trained online on our new platform and on a few videoconference sessions throughout 2021.The training
- [Apprentis d'Auteuil partners in DR Congo – training of trainers – day 1](https://aandbmake3.org/2022/07/25/apprentis-dauteuil-partners-in-dr-congo-training-of-trainers-day-1/) - The partners of Apprentis d'Auteuil in Kinshasa aim to empower children in street situations. In order to reinforce the effectiveness of the entrepreneurship programme already provided in the Vocational Training Centers, Apprentis d'Auteuil invited a+b=3 to train their partners' trainers in financial management, both in terms of content and participatory training methods. Our first day
- [Apprentis d’Auteuil partners in DR Congo – training of trainers – day 2](https://aandbmake3.org/2022/07/26/apprentis-dauteuil-partners-in-dr-congo-training-of-trainers-day-2/) - After reviewing the learnings of the day before (in the form of problems and solutions), the participants discovered another type of participatory training through the use of stories. The story of Esengo, a mother who makes and sells soaps – a case that we had set up with APPEC, our Congolese partner – enabled the
- [Apprentis d'Auteuil partners in DR Congo – training of trainers – day 3](https://aandbmake3.org/2022/07/27/apprentis-dauteuil-partners-in-dr-congo-training-of-trainers-day-3/) - Jean Michel, a+b=3 partner in DR Congo, joined us to co-facilitate the training. The day started with the message game: the shorter and simpler it is, the better it goes! Then the participants set about adapting the exercises and materials they had discovered on Monday and Tuesday: based on a list of the problems of
- [Apprentis d'Auteuil partners in DR Congo – training of trainers – day 4](https://aandbmake3.org/2022/07/28/apprentis-dauteuil-partners-in-dr-congo-training-of-trainers-day-4/) - Today, the trainers practised facilitating the training session they had prepared the day before, giving them the opportunity to learn how to handle the training material, let the participants work, avoid talking too much, and check the understanding of the basic concepts discovered the first two days. The day ended with the string game and
- [Training the Trainers - Enfants du Mékong Sisophon](https://aandbmake3.org/2022/04/29/training-the-trainers-enfants-du-mekong-sisophon/) - From April 7 to 10, 15 social workers of Enfants du Mékong attended a training the trainers on financial education in Sisophon, Cambodia. As financial hardships have hit families and their children even harder during Covid pandemic, it has proved more important than ever to complement Enfants du Mekong’s support to families with money management
- [Financial Education Conference - Jakarta 28 & 29 November](https://aandbmake3.org/2011/12/02/financial-education-conference-jakarta-28-29-november/) - CITI and the Financial Times organised their 8th conference on financial education on November 28 and 29 in Jakarta. The main focus of the conference was Financial Education and Financial inclusion for the disadvantaged, as a way to empower them. The conference started with a sad example how some very low income families consider their
- [The emotional brain](https://aandbmake3.org/2014/03/07/the-emotional-brain/) - Blue or black pen? Rice or noodle? Most of our decisions are not rational. When we choose something, we often let the intuitive part of our brain decide. We don't make rational decisions for each little thing in our lives...but most of them impact our wallet. We just buy without deep thinking. If your financial
- [Day 2 - Training the Trainers - Giving youth a head-start](https://aandbmake3.org/2014/11/25/day-2-training-the-trainers-giving-youth-a-head-start/) - As we were only a very small group, we turned the training practise session into a training design session and outlined the financial literacy programme for two years for university students and their parents. We also explored a+b=3's online platform.
- [Enfants du Mekong - students' training (year 2 and year 4)](https://aandbmake3.org/2016/01/11/enfants-du-mekong-students-training-year-2-and-year-4/) - Phearinth (Enfants du Mekong) facilitated two financial literacy workshops for Enfants du Mekong's Phnom Penh students on the 7th (bank holiday in Cambodia). The programme consists of 6 half-day workshops scattered all through the four years that students are supported by Enfants du Mekong.Phearinth followed an online training then co-facilitated two workshops with Sophie last
- [Financial literacy for Filipino youth - the cascading effect](https://aandbmake3.org/2016/08/25/financial-literacy-for-filipino-youth-the-cascading-effect/) - A beautiful and meaningful example of the cascading effect a+b=3 is trying to nurture: Catalina attended Enrich (our Hong Kong partner) programme and graduated last February. Right away, her first thought was to teach others and empower them to manage their money.Introduced by Enrich's Managing Director, Lenlen, Catalina looked at a+b=3's programmes available online and
- [Half day workshop on financial literacy - Phnom Penh](https://aandbmake3.org/2017/03/26/half-day-workshop-on-financial-literacy-phnom-penh/) - Children of Asia in Phnom Penh invited a+b=3 to run a half day workshop on money management last Sunday (19 March). We focused on four objectives:Students manage their money pro-actively to stay within their parents’ allowance and/or the allowance from the organisation that supports them.They share good money management habits with their family.They start saving
- [Passerelles Numeriques - Philippines - graduation](https://aandbmake3.org/2018/01/19/passerelles-numeriques-philippines-graduation-2/) - Last session and graduation for the Passerelles Numeriques - Philippines students. Here is what PNP's team wrote: "Our students in the #Philippines once again concluded another Developmental Activity. Unlike other usual DAs, the topic on #FinancialManagement lasted throughout the duration of PN Phils Class 2018's scholarship, two and a half years. The first and second year of the course
- [Money Matters - online course for trainers](https://aandbmake3.org/2012/05/14/money-matters-online-course-for-trainers/) - Our first session of "Money Matters level 1- the Basics", our online course for trainers, has just finished. Online courses enable trainers from any location to learn, ask questions, share their experience and exchange views with other trainers on financial education.Money Matters level 1 is the first in a series of 6 which gradually will
- [Learning online](https://aandbmake3.org/2013/02/01/learning-online/) - For all of you who don't have much time to learn about money matters, a 3 minute cartoon and a quiz you can do in 10 to 15 minutes... and life long tips to make your life better thanks to money... and not make it worse because of money.http://www.aandbmake3.com/moodle/course/view.php?id=26You can login as guest to watch
- [Combining online and face to face learning](https://aandbmake3.org/2017/12/18/combining-online-and-face-to-face-learning/) - After following online training on money management in years 1 and 2, Passerelles Numeriques Philippines year 3 students had their first face to face workshop on how to budget a first salary, control expenses and support family in a sustainable way (very important as Christmas is approaching). The combined approach (online + face to face) aims
- [What is financial literacy?](https://aandbmake3.org/2014/06/22/what-is-financial-literacy/) - Literacy is being able to read and write; maths literacy is being able to count and master simple operations; but what is financial literacy? This phrase appeared in the late 1990s and it means knowing enough about finance to take the most appropriate decisions with money. How do we know if we are “financially literate”? Financially
- [Sisophon - Money Basics](https://aandbmake3.org/2007/05/28/sisophon-money-basics/) - Encouraged by Enfants du Mekong's Director, we conducted two training for the Sisophon Centre: Money Basics and Money Essentials. The main difference is the literacy level- money concepts are the same. Another difference... is that we facilitated Money Essentials in French!
- [Is teaching children about money effective?](https://aandbmake3.org/2017/02/28/is-teaching-children-about-money-effective/) - Soon after starting facilitating money management workshops for migrant workers in Hong Kong, parents approached us for workshops for their children. So we designed and ran workshops as after-school activities for several years, until one day, I was asked to run a series of private workshops for a small group of 10 year old children
- [ISM Dakar - Manage your money workshop](https://aandbmake3.org/2019/02/02/ism-dakar-manage-money/) - ISM Dakar has opened its doors for a half-day workshop on money management. A few students, and especially teachers and employees, have been actively involved in various activities: setting priorities, budgeting, recording expenses, calculating daily spending limit, practical tips for controlling expenses, educating children about managing money. Many thanks to ISM and today's participants.
- [Friends International - Laos](https://aandbmake3.org/2019/05/02/friends-international-laos/) - Friends-International Laos team provided money management training in Vientiane, Laos. Money management is an integral part of FI's job readiness training, which teaches people essential skills in preparation of getting an employment. The money management training was created following FI's participation in a+b=3's financial literacy workshop.
- [Coronavirus and money](https://aandbmake3.org/2020/04/09/coronavirus-and-money/) - Hard times - and it is hard to give pieces of advice. Without an income, even good money managers struggle. Plan what you've got. Planning may seem pointless when future seems so uncertain. On the contrary it is even more important. You don't want to waste any cent (or food either). If you live with
- [Coronavirus and debt: the word nobody wants to talk about](https://aandbmake3.org/2020/07/13/coronavirus-and-debt-the-word-nobody-wants-to-talk-about/) - Vantha and her family used to earn around US$ 60 a week - This amount was just enough to pay the rent and bills ($12), food ($27), education ($12 a month = $3 a week), their debts instalment ($10) and other essential expenses (health, transportation, phone…). With the covid crisis, their income has dropped to
- [Training of Trainers – APPEC Kinshasa – day 5](https://aandbmake3.org/2019/03/01/training-of-trainers-appec-kinshasa-day-5/) - Fifth day of our training of trainers in Kinshasa with our partner APPEC. After having reviewed (in a participatory way of course) how to facilitate (what to do and what not to do), the participants set up and managed a micro-business selling juices, water and snacks. This experience allowed them to practice how to keep
- [Les 12 conseils d’a+b=3 pour gérer votre argent](https://aandbmake3.org/fr/2015/02/19/les-12-conseils-dab3-pour-gerer-votre-argent/) - Souvent à cours d’argent ? Vous n’êtes pas sûr(e) de pouvoir payer vos factures ? Vous n’arrivez pas à épargner pour vos projets à long terme ? La retraite vous fait peur ? Vous travaillez à votre compte … mais la finance n’est pas votre tasse de thé ? Parcourez ces quelques conseils. Vous voulez en savoir plus : apprenez
- [Les « besoins » et les « désirs » sont-ils toujours pertinents ?](https://aandbmake3.org/fr/2018/03/10/les-besoins-et-les-desirs-sont-ils-toujours-pertinents/) - La distinction entre les besoins et les « désirs » est devenue le pilier de tout programme d'éducation financière. Si nous voulons contrôler nos dépenses, avant d'acheter quelque chose, nous devrions d'abord penser si c'est un besoin ou un désir. Mais cela fonctionne-t-il vraiment ? Essayez de parler des besoins et des désirs à des gens qui
- [Apprentis d'Auteuil partners in DR Congo – training of trainers – day 5](https://aandbmake3.org/2022/07/29/apprentis-dauteuil-partners-in-dr-congo-training-of-trainers-day-5/) - 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 Congo. The young people set up and managed a small shop and proved to be excellent salespeople. One young girl even decided to go and
- [Financial literacy through pictures](https://aandbmake3.org/2015/02/03/financial-literacy-through-pictures/) - Whether urban, home, digital or rural, our landscapes are filled with ads: pictures nudging us to buy this, or use that service: lots of colours, a striking picture and a snappy slogan. Even if we don't read them, our eyesight catches them and processes them. Didn't our ancestors use their vision to detect dangerous animals
- [Workshop on mindfulness and money](https://aandbmake3.org/2015/11/20/workshop-on-mindfulness-and-money/) - Introduction workshop this morning on money, life and values at the Buddhist University of Phnom Penh. Very interesting discussions.Reflecting on money proverbs and sayingsSharing ideasIdentifying ethical values that can be linked to moneyBridging values and practical life: writing a budgetThank you to SamArt and Chhunny for enabling this workshop to take place
- [Formation de Formateurs – APPEC Kinshasa – jour 5](https://aandbmake3.org/fr/2019/03/01/formation-de-formateurs-appec-kinshasa-jour-5/) - Cinquième jour de notre formation de formateurs à Kinshasa avec notre partenaire APPEC. Après avoir révisé (de façon participative bien sûr) comment animer (quoi faire et ne pas faire), les participants ont monté et géré une micro-entreprise de jus, eau et snacks. Cette expérience leur a permis de pratiquer comment tenir des comptes, décider des
- [OECD Financial literacy conference in Toronto](https://aandbmake3.org/2011/05/26/oecd-financial-literacy-conference-in-toronto/) - I am attending the OCDE financial literacy conference in Toronto today and tomorrow. Great to meet other people (banks, governmental agencies, content providers, school teachers, consultant, a few NGOs) involved in financial education too: 400 delegates from 40 countries!First impressions: more and more people are interested in boosting financial education- that's great. The Provincial Government
- [Financial Literacy Conference - Day 2](https://aandbmake3.org/2011/05/29/financial-literacy-conference-day-2/) - Friday was a very full half day of keynotes speakers. The first was about programme evaluations, and how important it is to think about how to evaluate when designing a training programme. The second speaker -Jonah Lehrer, a thought provoking writer - introduced what behavioural economics is about. Through many examples, he explained latest dicoveries by scientists studying
- [Debunking money myths: #1 Money does not grow](https://aandbmake3.org/2022/06/08/debunking-money-myths-1-money-does-not-grow/) - To the question ‘What else do you want to learn about money?’ in post-course assessment, it’s been 15 years that we always get the same answer: ‘to learn how to make my money grow’. First, this shows that participants know that budgeting and saving are definitely not enough to make a quick and big difference
- [Formation de Formateurs – APPEC Kinshasa – jour 2](https://aandbmake3.org/fr/2019/02/26/formation-de-formateurs-appec-kinshasa-jour-2/) - Second jour de notre formation de formateur avec APPEC à Kinshasa. Après avoir révisé les points principaux de la journée d'hier, nous avons parlé des dettes et de leur impact. Cela a permis de réviser comment faire un budget, bien comprendre la différence entre engagements et autres dépenses et de calculer un exemple de limite
- [Gérer un premier salaire - 2IM Dakar](https://aandbmake3.org/fr/2019/01/28/gerer-un-premier-salaire-2im-dakar/) - Sitor Ndour, directeur général de 2IM - Institut international de Management - à Dakar, a invité Sophie (a + b = 3) à prononcer un discours lors de la soirée de remise des diplômes de 2IM, en présence du ministre de l'Enseignement supérieur. Sophie a dit aux étudiants de ne pas retenir le montant de
- [ASCOVI - Kinshasa](https://aandbmake3.org/fr/2019/08/18/ascovi-kinshasa/) - Les 14, 15 et 16 août 2019, 23 membres de l'ASCOVI (l'Association des consommateurs des produits vivriers) qui gèrent de petits commerces ont participé à une formation sur la gestion de l'argent avec le soutien technique de a+b=3 et de l'APPEC. La première journée était consacrée à la gestion de l'argent familial (priorités de dépenses,
- [Financial literacy at school: what role can schools play in financial education?](https://aandbmake3.org/2017/05/08/financial-literacy-at-school-what-role-can-schools-play-in-financial-education/) - After reading our previous newsletter that stated that children mostly learned about money from their parents, several of you asked what about schools? If parents fail to be role-models in budgeting, prioritising and anticipating expenses, could school ensure equal access to financial education and contribute to breaking a potential cycle of "bad financial habits" passed
- [Training of high school students in DR Congo](https://aandbmake3.org/2018/02/24/training-of-high-school-students-in-dr-congo/) - Following the teachers' training in January, APPEC-Education, our partner in DR Congo, took the opportunity of the Global Money Week to pilot the first three courses of our new training for high school students in 15 schools in Kinshasa and its suburbs, reaching more than 3,500 students. On February 13, the first training took place
- [from Mwanza to Shinyanga](https://aandbmake3.org/2014/05/25/from-mwanza-to-shinyanga/) - ICS Africa has invited a+b=3 to run a second Training the Trainers on the Family Budgeting Programme we have developed for them as second part of their Parenting Skills programme.ICS car taking ICS Kenyan team and Sophie (a+b=3) to ShinyangaMobile money is everywhere in Tanzania too''
- [TOT ICS - Shinyanga - Day 1 (morning)](https://aandbmake3.org/2014/05/26/tot-ics-shinyanga-day-1-morning/) - training room with the colourful ground ruleswriting our learning objectiveschoosing one goalintroducing ourselvescase studyWhat we think we spend… and what our spouse think we spend.after identifying the issues, we looked at solving them: tracking and planning.
- [ICS TOT - Shinyanga - Day 1 (afternoon)](https://aandbmake3.org/2014/05/26/ics-tot-shinyanga-day-1-afternoon/) - experiencing Family Budgeting - the training a+b=3 designed with ICS- as parentswhat we want to do with our moneyChristine, the Family Budgeting project manager in Kenya, and Samwel, ICS Tanzania, co-facilitator for these 5 daysanalysing what Otieno and Rahely did with their moneysorting out expenses between useful and less useful
- [ICS TOT - Shinyanga - Day 2](https://aandbmake3.org/2014/05/27/ics-tot-shinyanga-day-2/) - Reviewing key learning points of day 1module 2 on debtgood and bad tips on spendinghow we are all inter-connected real emergencies...vs real emergenciespracticing prioritising and budgetingcreative reviewwrapping up key messagescommunication about money between spouserole playfacts or judgments?ICS Office in ShinyangaChristine in ICS office
- [ICS TOT - Shinyanga - Day 3](https://aandbmake3.org/2014/05/28/ics-tot-shinyanga-day-3/) - Module 4: children learn from looking at what parents do (and not just what they say!).Role-plays: experiencing talking to children about moneypeer pressure...how to deal with itPreparing practise sessions:Practise sessions: Trainers try to facilitate the Family Budgeting programme:certification written test
- [ICS TOT-Day 4: Pilot training in rural area](https://aandbmake3.org/2014/05/29/ics-tot-day-4-pilot-training-in-rural-area/) - The pilot training is taking place at Lingeka, Simiyu Region, Meatu District. Let's go!on the road The pilot started with a dance.StoryChoosing an expenseBudgeting example Useful and less useful expensesPlanning a yearly expense
- [ICS TOT - Shinyanga - Day 5](https://aandbmake3.org/2014/05/30/ics-tot-shinyanga-day-5/) - Today, ICS and CBO trainers practised facilitating the Family Budgeting programme.How interest compoundsRole-play: Argument about money Commitments and spending limitGreat team work!Ahsante sana, ICS, for organising this second TOT.
- [Banteay Chmar- Silk weavers](https://aandbmake3.org/2007/03/26/banteay-chmar-silk-weavers/) - This is a+b=3's first training outside Hong Kong! After meeting Soieries du Mekong staff in 2006, we realised that money issues (debt, no saving, difficulty in managing expenses and anticipating expenses beyond a week or even a few days) are very similar to the money challenges faced by Migrant Workers in Hong Kong. The other
- [Soieiries du Mekong - new training](https://aandbmake3.org/2011/07/26/soieiries-du-mekong-new-training/) - Soieries du Mekong conducted a more thorough training on Money Management with the Silk weavers in 5 sessions (following the two review sessions done in 2008 and 2009). "We think all the activities are really interesting for the staff even if the motivation is different between some women and others. The first session we had
- [Financial Literacy Trainer's profile](https://aandbmake3.org/2012/02/10/financial-literacy-trainers-profile/) - Based on our experience, here is the ideal profile: Social worker Extensive experience in participatory training Excellent contact skills Excellent communicator Has worked with target group and gained a thorough understanding of their daily life issues Preferably no finance background (finance people tend to use too much jargon and find it hard to explain finance…
- [Training the Trainers - Enfants du Mekong Philippines](https://aandbmake3.org/2019/04/10/training-the-trainers-enfants-du-mekong-philippines/) - From April 8 to 10, Enfants du Mekong's social workers and trainers attended a training workshop to help them roll out a programme on money management for their scholars. Lenlen Mesina, our long-term partner Enrich's advisor, facilitated these 3 days. The programme consists of four workshops - one per university year- where gradually students will
- [Save the Children Burkina - Training of Trainers - Day 1](https://aandbmake3.org/2019/01/22/save-the-children-burkina-tot-day-1/) - After the projects with Save the Children Nepal and India (Rajasthan), the Burkina Faso team invited a + b = 3 to design and localise a family budgeting training for families receiving cash transfers and to train their facilitators to facilitate it. On this first day, participants first deepened their understanding of financial education and
- [World Consumers Day](https://aandbmake3.org/2018/03/16/world-consumers-day/) - On March 15 during the World Consumers Day, about fifty participants took part in workshop on budget and expenditures organised by our partner, APPEC, in Kinshasa, DR Congo.
- [Training for youth - Children of Asia](https://aandbmake3.org/2018/02/19/training-for-youth-children-of-asia/) - Students of Children of Asia, Phnom Penh, attended a half day training on financial education focusing on basics: spending priorities, budgeting, and ethics (i.e. how to manage money with others).
- [Training seminar in financial education for women civil servants in RD Congo](https://aandbmake3.org/2018/04/14/training-seminar-in-financial-education-for-women-civil-servants-in-rd-congo/) - 150 women from three departments participated in a three-day financial education training from March 28-30. The training held at the Ministry of Security was inaugurated by the Deputy Minister of Security. The closing ceremony was presided over by the Minister of the Interior and Security, who also awarded certificates to women executives and government officials
- [Family Budgeting pilot training - Save the Children Burkina](https://aandbmake3.org/2019/01/25/pilot-family-budgeting-save-the-children-burkina/) - After the three days of training of trainers, four trainers facilitated the first session of the family budgeting programme with beneficiaries in the village of Koalmo. Participants discussed spending priorities in small groups while putting the banknotes on the pictures representing their expenses. After the pilot debrief, group photo!
- [Money management workshops in Senegal](https://aandbmake3.org/2019/01/27/money-management-senegal/) - For our very first training workshops in Senegal on money management, we were first welcomed by the Amadou Deme Foundation in Dakar. The core content of the workshop was spending priorities and budgeting and participants asked many questions. Then we did a workshop with master students at ESUP:
- [Training of Trainers - APPEC Kinshasa - day 1](https://aandbmake3.org/2019/02/25/training-of-trainers-appec-kinshasa-day-1/) - First day of our training of trainers in Kinshasa in collaboration with our Congolese partner APPEC. The training takes place at FOLECO (Federation of Lay Economic NGOs) for 5 days and welcomes about thirty participants from various civil organisations. Today we began by thinking about the aims of financial education and introduced our "problem /
- [Training of Trainers – APPEC Kinshasa – day 2](https://aandbmake3.org/2019/02/26/training-of-trainers-appec-kinshasa-day-2/) - Second day of our training the trainers with APPEC in Kinshasa. After reviewing yesterday's main points, we talked about debts and their impact. This allowed us to review how to calculate a budget, understand the difference between commitments and other expenses, and look at an example of a daily spending limit. Participants also reflected on
- [Budgeting skills](https://aandbmake3.org/2019/04/10/budgeting-skills/) - Budgeting skills for ESL adult learners In January, each class of Metro South Adult Basic Education ESL students in Bloomington, MN, took part in a workshop on budgeting. This week, this is Eden Prairie's students' turn to practise prioritising and planning expenses and saving for yearly expenses. It was nice to see participants discussing and
- [Training the Trainers - Youth - Vientiane](https://aandbmake3.org/2018/10/18/training-the-trainers-youth-vientiane/) - Stella, a social entreprise inspiring youth to blossom and thrive, has invited a+b=3 to run a training the trainers for 2 days targeting youth. Participants discovered our problem/solution approach of financial education, and how youth learn about money, then moved to our youth programme that participants could experience first hand and ended with reflection on
- [Children of Asia - Phnom Penh](https://aandbmake3.org/2019/02/03/children-of-asia-phnom-penh/) - Students in year 1 at Children of Asia in Phnom Penh have to pay for their living expenses. This is challenging as for many this is the first time they have to manage money, and living in a big city like Phnom Penh offers (too) many temptations to spend. To help them, a+b=3 runs a
- [Measuring the impact of financial education](https://aandbmake3.org/2018/05/03/measuring-the-impact-of-financial-education/) - You have run a financial education programme with families and a few months later, you interview them to find out what impact it may have had. The interviewees recall the workshop, but most of them don’t do a budget; some have talked to their spouses about what they have learned and most are interested in
- [a+b=3 en Colombia - por la primera vez](https://aandbmake3.org/2017/06/19/ab3-en-colombia-por-la-primera-vez/) - En Colombia, en la ciudad de Jamundí, viernes 16 de junio, llevamos a cabo el primer taller de educación y planeación financiera "Conecta tu potencial financiero". Con entusiasmo y motivación los asistentes participaron de los ejercicios y actividades del taller, llevando los conocimientos a su vida practica. La sencillez, y excelente metodología de a+b=3 facilita
- [La formation des formateurs : un soutien continu](https://aandbmake3.org/fr/2009/12/12/la-formation-des-formateurs-un-soutien-continu/) - Un de nos principaux objectifs est d'encourager les employés des ONG à mettre en place des programmes d'éducation financière et aider leurs clients à améliorer leurs compétences en gestion de l'argent. Depuis l'atelier de formateurs de mars dernier à Phnom Penh, les professeurs et travailleurs sociaux d'Enfants du Mékong ont animé plusieurs formations auprès des
- [Le suivi de nos partenaires](https://aandbmake3.org/fr/2009/12/14/le-suivi-de-nos-partenaires/) - Une formation n'est pas suffisante... très souvent les participants à nos ateliers pour formateurs utilisent ce qu'ils ont appris ... pour mieux gérer leur propre argent. Très souvent aussi, avant d'atteindre les clients de leurs organisations, les formateurs animeront une première formation auprès de leurs collègues de travail. Afin de leur donner confiance, les encourager
- [វគ្គបណ្តុះបណ្តាលគ្រូបង្គោល - Enfants du Mékong នៅក្រុងសិរីសោភ័ណ](https://aandbmake3.org/2022/05/05/វគ្គបណ្តុះបណ្តាលគ្រូបង/) - ថ្ងៃទី 29 ខែ មេសា ឆ្នាំ 2022 Enfants du Mekong គ្រូបណ្តុះបណ្តាល គ្រួសារដែលមានចំណូលទាបនៅប្រទេសកម្ពុជា។ ចាប់ពីថ្ងៃទី 7 ដល់ថ្ងៃទី 10 ខែមេសា បុគ្គលិកសង្គមរបស់អង្គការ Enfants du Mékong ចំនួន 15 នាក់បានចូលរួមវគ្គបណ្តុះបណ្តាលគ្រូបង្គោល ស្តីពីការអប់រំផ្នែកហិរញ្ញវត្ថុ នៅក្រុងសិរីសោភ័ណ ប្រទេសកម្ពុជា។ ដោយសារការលំបាកផ្នែកហិរញ្ញវត្ថុបានប៉ះពាល់ដល់គ្រួសារ និងកូនៗរបស់សហគមន៍ ហើយវាកាន់តែពិបាកថែមទៀតក្នុងអំឡុងពេលជំងឺរាតត្បាត Covid នោះ ដោយហេតុនេះហើយវាបានបង្ហាញពីសារៈសំខាន់ជាងពេលណាៗទាំងអស់ក្នុងការជួយគាំទ្ររ និងបំពេញបន្ថែមដល់គ្រួសារទាំងនោះនូវចំណេះដឹងមូលដ្ឋានគ្រឹះនៃការគ្រប់គ្រងប្រាក់ និងបានបញ្ចូលមូលដ្ឋានគ្រឹះទាំងនោះទៅក្នុងកម្មវិធីសិក្សារបស់សិស្សនៅក្នុងមណ្ឌល ពីសំណាក់អង្គការ Enfants du Mekong ផងដែរ។ ខណៈពេលដែលគ្មានអ្វីអាចជំនួសប្រាក់ចំណូលបាន ការកាត់បន្ថយពីការប្រឈមនឹងបំណុល និងការគ្រប់គ្រងប្រាក់ដោយប្រុងប្រយ័ត្ន ក៍អាចជួយគ្រួសារ និងកូនៗរបស់ពួកគាត់ ក្នុងការកាត់បន្ថយការលំបាកផ្នែកហិរញ្ញវត្ថុបានមួយចំណែកដែ។ នៅថ្ងៃទី 1 បន្ទាប់ពីទទួលបានការណែនាំអំពីវិធីសាស្រ្តបណ្តុះបណ្តាល សិក្ខាកាមទទួលបាននូវបទពិសោធន៍ក្នុងការបណ្តុះបណ្តាលយុវជន ដែលផ្តោតលើការគ្រប់គ្រងចំណាយរបស់ពួកគេ។នៅថ្ងៃទី 2 អ្នកចូលរួមបានអនុវត្តសម្របសម្រួលការបណ្តុះបណ្តាលយុវជន និងបន្តទទួលបានបទពិសោធន៍ពីកម្មវិធីបណ្តុះបណ្តាលគ្រួសារ ដែលផ្តោតលើការកាត់បន្ថយបំណុល។នៅថ្ងៃទី 3
- [Entreprise sociale](https://aandbmake3.org/fr/2010/02/01/entreprise-sociale/) - a et b font 3 est une entreprise sociale: dès que nous le pouvons, nous encourageons les entreprises locales. Notre travail au Cambodge est un exemple de la manière dont nous essayons de créer de la valeur au niveau local: Quand nous organisons une formation de formateurs au Cambodge, nous achetons les fournitures (papeterie...) sur
- [Training in Sisophon](https://aandbmake3.org/2015/11/27/training-in-sisophon/) - In October, Kheun Suon (who attended our TOT in 2012) from Foyer Lataste, a grassroots organisation based in Sisophon, Cambodia, ran a very first workshop on money management to low income families.
- [Using stories](https://aandbmake3.org/2016/05/24/using-stories/) - Bopha is married and has two children. She grows vegetables and makes baskets. Today, Bopha wakes up first, prepares the breakfast. She checks how much money she has left. She gives some to her children. Once they are off to school, she picks up vegetables, takes her baskets and goes to the market. After selling
- [កិច្ចសហការជាដៃគូរក្នុងប្រទេសកម្ពុជា](https://aandbmake3.org/2017/06/19/កិច្ចសហការជាដៃគូរក្នុង/) - ICS-SP Cambodia និងa+b=3 សូមប្រកាសជូននូវកិច្ចសហការជាដៃគូរក្នុងប្រទេសកម្ពុជា! អង្គការ ICS-SP កម្ពុជា ជាអង្គការក្នុងស្រុកធ្វើការដើម្បីលើកកម្ពស់ជីវិតគ្រួសារនិងសុខមាលភាពកុមារ​​​ និងស្រ្តី ជាពិសេសអង្គការ ICS-SP មានបំណងចូលរួមបង្ការនិងការពារកុមារពីអំពើហិង្សា​ តាមរយៈការលើកម្ពស់ការចិញ្ចឹមបីបាច់កូនបែបវិជ្ជមានតាមអាយុសមស្របរបស់កុមារ។ ដើម្បីសម្រេចបានគោលដៅនេះ យើងធ្វើការពង្រឹងសមត្ថភាពឪពុកម្តាយនិងអ្នកថែទាំកុមារ គ្រួសារនិងសហគមន៍ និងពង្រឹងសមត្ថភាពរដ្ឋាភិបាល អង្គការសង្គមស៊ីវិល និងវិស័យឯកជន ដើម្បីមានការអនុវត្តកាន់តែប្រសើរក្នុងការការពារកុមារ។ a + b = 3 (a and b make 3) ជាសហគ្រាសសង្គមអន្តរជាតិ​ មានគោលបំណងជួយប្រជាពលរដ្ឋឲ្យមានការទទួលខុសត្រូវនិងការសម្រេចចិត្តត្រឹមត្រូវលើបញ្ហាលុយកាក់​ កាត់បន្ថយភាពងាយរងគ្រោះនៃហិរញ្ញវត្ថុ និងលើកកម្ពស់ជីវភាពសហគមន៍និងសង្គមឲ្យមានសុខដុម ដោយបង្កើតកម្មវិធីអប់រំហិរញ្ញវត្ថុ និងពង្រឹងសមត្ថភាព អង្គការសង្គមស៊ីវិលក្នុងការអនុវត្តកម្មវិធីអប់រំហិរញ្ញវត្ថុ។ ដោយមើលឃើញថាភាពតានតឹងផ្នែកសេដ្ឋកិច្ច ជាបញ្ហាប្រឈមមួយដ៏ធំសម្រាប់ឪពុកម្តាយក្នុងការចិញ្ចឹមបីបាច់កូន អង្គការ ICS-SP កម្ពុជា និង a + b = 3 (a and b make 3) បង្កើតនូវមេរៀនមួយស្តីពី«ការចាត់ចែងថវិកាគ្រួសារ»​ក្នុងឆ្នាំ២០១៤។
- [Students and Money: Stress and Hunger](https://aandbmake3.org/2022/06/06/students-and-money-stress-and-hunger/) - Less money means fewer mealsOur Burkinabè partner APFEP carried out a major survey on the financial health of students in March-April 2022, with more than 200 students from various cities and universities in the country. 70% of students say they had to skip one or more meals in the past week due to lack of
- [Partenaires d’Apprentis d’Auteuil en RD Congo – formation des formateurs – jour 2](https://aandbmake3.org/fr/2022/07/26/partenaires-dapprentis-dauteuil-en-rd-congo-formation-des-formateurs-jour-2/) - Après avoir passé en revue les apprentissages de la veille (sous forme de problèmes et solutions), les participants ont découvert un autre type de formation participative via l'utilisation d'histoire. L'histoire d'Esengo, une Maman qui fabrique et vend des savons - cas que nous avions monté avec APPEC, notre partenaire congolais - a permis aux formateurs
- [le programme carte Octopus à Hong Kong](https://aandbmake3.org/fr/2008/05/03/le-programme-carte-octopus-a-hong-kong/) - Becky, l'enseignante hongkongaise d'a+b=3, était invitée à donner quelques conseils tout simples sur comment gérer son argent aux enfants qui assistaient à la cérémonie de lancement du Programme "Octopus(*) aide les Enfants" à Saint James Settlement le 3 mai 2008. Pour regarder la présentation (images seulement), cliquer ci-dessous:Octopus (*) A Hong Kong, la carte Octopus
- [Bien planifier son argent](https://aandbmake3.org/fr/2008/10/04/bien-planifier-son-argent/) - Ce samedi, les formateurs de notre partenaire de Hong Kong, Enrich, ont participé à une formation de formateurs sur "Bien planifier son argent"; cette formation est la deuxième partie de notre série d'ateliers sur comment gérer son argent personnel. Pourquoi un autre niveau ? Tout simplement, parce qu'un seul cours n'est pas suffisant : cela
- [Formation de formateurs à Kunming (Chine)](https://aandbmake3.org/fr/2008/11/21/formation-de-formateurs-a-kunming-chine/) - Pendant quatre jours, nous avons co-organisé une formation de formateurs avec GFEP sur l'éducation financière. Environ une vingtaine de participants de diverses organisations opérant dans le Sichuan ont découvert en quoi consiste l'éducation financière, appréhendé les principes pédagogiques spécifiques à un public adulte, adapté des exemples de formation et les ont animés. Ils sont maintenant
- [Conférence sur l'Education Financière à Beijing](https://aandbmake3.org/fr/2008/11/30/conference-sur-leducation-financiere-a-beijing/) - a+b=3 était invité comme intervenant, ainsi qu'enrich, son partenaire de Hong Kong, à la Conférence sur l'Education Financière organisée par Citigroup et le Financial Times à Beijing (novembre 2008). Tim présente comment a+b=3 travaille avec les ONG locales pour créer des programmes de formation répondant aux besoins de chaque population cible. Tim (à gauche) participe
- [Atelier de formateurs à Phnom Penh](https://aandbmake3.org/fr/2009/03/08/atelier-de-formateurs-a-phnom-penh/) - 21 participants (travailleurs sociaux, professeurs, coordinateurs pédagogiques) de 7 organisations ont participé aux 5 jours d'atelier sur l'éducation financière d'a+b=3. L'objectif de cette formation de formateurs très participative est de donner les outils aux participants d'animer des programmes d'éducation financière auprès de leurs clients - qui sont pour la plupart des familles à très bas
- [Aider les femmes de Hong Kong (1)](https://aandbmake3.org/fr/2009/04/09/aider-les-femmes-de-hong-kong-1/) - La Women's Foundation a chargé a+b=3 de créer un programme de formation pour aider les femmes à bas revenus de Hong Kong dans les domaines de la confiance en soi, l'indépendance financière et l'identification de nouvelles sources de revenus.Après des entretiens et des discussions de groupe, nous avons créé deux formations : Enrichissement Personnel et
- [Aider les femmes de Hong Kong (2)](https://aandbmake3.org/fr/2009/07/31/aider-les-femmes-de-hong-kong-2/) - Les programmes pilotes d'Introduction à l'Entreprise se sont avérés difficiles à organiser: monter une entreprise est cher à Hong Kong, surtout à cause du coût élevé des loyers, ce qui dissuade beaucoup de femmes à bas revenus, et ça a pris du temps de trouver des formateurs avec les compétences et expériences requises.Finalement en juillet,
- [Un projet novateur: formation des travailleurs immigrés chinois](https://aandbmake3.org/fr/2009/12/06/un-projet-novateur-formation-des-travailleurs-immigres-chinois/) - Les responsables de l'Approvisionnement Responsable du groupe britannique Mothercare ont chargé a+b=3 de créer une formation pour les travailleurs de leurs usines de la province de Guangzhou (Canton) qui pour la quasi totalité ont immigré d'autres provinces chinoises (Sichuan en particulier). Projet novateur et extrêmement intéressant qui montre l'intérêt de cet employeur pour ces employés
- [Atelier pour chefs d'entreprise en herbe au Cambodge](https://aandbmake3.org/fr/2009/12/13/atelier-pour-chefs-dentreprise-en-herbe-au-cambodge/) - Pendant que je suis à Phnom Penh, Enfants du Mékong ù'a demandé d'aider à animer une formation sur la création d'entreprise à destination des étudiants de Deuxième et Troisième Années. Avec l'aide de Samuel, un volontaire qui a travaillé plusieurs années en marketing et finance, les étudiants ont commencé à travailler sur leur idée d'entreprise
- [Hong Kong: Formation de formateurs sur la création d'entreprise](https://aandbmake3.org/fr/2009/12/15/hong-kong-formation-de-formateurs-sur-la-creation-dentreprise/) - Des formateurs d'Enrich, notre partenaire ONG à Hong Kong, ont participé à la formation de formateurs sur notre nouveau programme "Je lance mon entreprise". Ce programme d'une durée de 18 heures a été conçue spécialement pour les Travailleurs Immigrés qui travaillent à Hong Kong et envisagent de lancer une petite entreprise une fois de retour
- [Bonnes habitudes avec l'argent aux Etats-Unis](https://aandbmake3.org/fr/2010/01/13/bonnes-habitudes-avec-largent-aux-etats-unis/) - J'ai été invitée par SHAPE à Eden Prairie (Minnesota), une association à but non lucratif qui offre des cours d'anglais gratuits aux immigrés, à animer, deux vendredis de suite, un atelier de 30 minutes sur la gestion de l'argent. J'ai choisi d'axer mon intervention sur le contrôle des dépenses - un défi continu aux Etats-Unis
- [Présentation sur l'éducation financière à Siem Reap au Cambodge](https://aandbmake3.org/fr/2010/03/16/presentation-sur-leducation-financiere-a-siem-reap-au-cambodge/) - Le 15 mars 2010, Sophie a présenté ce qu'est l'alphabétisation financière, les avantages et les difficultés liées à l'apprentissage et l'enseignement de cette matière ainsi que des exemples de programmes de formation. L'évènement, auquel étaient venues assister une trentaine de personnes travaillant pour des ONG et entreprises locales, était co-organisé par ConCert, une ONG de
- [Réunion sur l'Education Financière - Beijing 11 juin 2010](https://aandbmake3.org/fr/2010/06/09/reunion-sur-leducation-financiere-beijing-11-juin-2010/) - a+b=3 et Mercy Corps organisent une réunion sur l'éducation financière à Beijing le 11 juin. Cette réunion a pour but de partager le savoir-faire dans le domaine de l'éducation financière, découvrir les innovations, discuter des difficultés et obstacles à la mise en place de programmes d'éducation financière; la réunion est ouverte à toute organisation intéressée par
- [Ateliers d'éducation financière pour les enseignants en RD Congo](https://aandbmake3.org/fr/2017/09/12/ateliers-deducation-financiere-pour-les-enseignants-en-rd-congo/) - Fin août, avant la reprise des cours, notre partenaire congolais, APPEC, a organisé plusieurs ateliers de 3 jours sur l'éducation financière à destination des enseignants. Le directeur et facilitateur de l'APPEC, Jean-Michel Ngoyi, a utilisé le guide de formation conçu par a + b = 3 pour cette première formation en RD Congo. Le premier jour,
- [Formation pilotes pour les familles en RD Congo](https://aandbmake3.org/fr/2017/09/25/formation-pilotes-pour-les-familles-en-rd-congo/) - APPEC, notre partenaire en RD Congo, a piloté une adaptation de notre atelier de formation pour les familles à faible revenu dans la banlieue de Kinshasa. L'atelier s'est concentré sur la façon de gérer un revenu irrégulier (nous avons pris l'exemple d'une femme fabriquant et vendant des savons), comment enregistrer les dépenses commerciales séparément des
- [Formation en éducation financière à destination des enseignants – Kinshasa (RD Congo)](https://aandbmake3.org/fr/2018/01/26/formation-en-education-financiere-a-destination-des-enseignants-kinshasa-rd-congo/) - Une cinquantaine d’enseignants a participé du 23 au 25 janvier à une formation de formateurs en éducation financière. Cette formation couvrait les bases de la gestion de l’argent ainsi que les techniques pédagogiques en éducation financière et introduisait le nouveau programme d’a+b=3 à destination des écoles de la RD Congo, qui consiste en neuf cours
- [Formation des élèves du secondaire en RD Congo](https://aandbmake3.org/fr/2018/02/23/formation-des-eleves-du-secondaire-en-rd-congo/) - Faisant suite à la formation des enseignants en janvier, l’équipe d’APPEC-Éducation RD Congo a profité de la Global Money Week 2018 pour piloter les trois premiers cours de la formation pour les élèves du secondaire dans 15 écoles de Kinshasa et sa banlieue, touchant ainsi plus de 3 500 élèves. Le 13 février, la première
- [Journée mondiale des consommateurs](https://aandbmake3.org/fr/2018/03/16/journee-mondiale-des-consommateurs/) - Le 15 mars lors de la journée mondiale des consommateurs, un cinquantaine de participants ont pris part à une conférence atelier organisé par l'APPEC sur le budget et les dépenses, à Kinshasa en RD Congo.
- [Séminaire de formation des femmes cadres et agents de l'Etat en éducation financière](https://aandbmake3.org/fr/2018/03/31/seminaire-de-formation-des-femmes-cadres-et-agents-de-letat-en-education-financiere/) - 150 femmes de trois ministères ont participé à une formation en éducation financière sur trois jours du 28 au 30 mars. La formation qui s'est tenue au Ministère de la Sécurité, a été inaugurée par le Vice-Ministre de la Sécurité. La cérémonie de clôture a été présidée par le Ministre de l'Intérieur et de la
- [Gérer les dépenses non quotidiennes - projet pilote à Madagascar](https://aandbmake3.org/fr/2018/09/17/projet-pilote-a-madagascar/) - Neuf Malgaches sur dix vivent en dessous du seuil de pauvreté. Avec un revenu quotidien non régulier, la gestion de l'argent devient encore plus critique. L'Association Succès-Madagascar Education et Environnement (ASM2E) à Toamasina aide des familles depuis 2016 pour leur permettre de scolariser leurs enfants et sensibiliser à la fois sur l'importance de l'éducation et sur
- [Formation de Formateurs - Producteurs de café au Laos](https://aandbmake3.org/fr/2018/10/13/formation-de-formateurs-producteurs-de-cafe-au-laos/) - Pendant cinq jours en partenariat avec EDC, le personnel technique d'Outspan ainsi que des membres du Syndicat des Femmes de Paksong, au Laos, ont appris à animer un programme de formation destiné à aider les producteurs de café locaux (Plateau de Bolaven) à gérer leur revenu et dépenses. Les agriculteurs ne gagnent en effet qu'un
- [Semaine mondiale de l'argent - exposition à Kinshasa](https://aandbmake3.org/fr/2017/04/02/semaine-mondiale-de-largent-exposition-a-kinshasa/) - Au cours de la Semaine mondiale de l'argent (organisée par le CYFI au niveau mondial), notre partenaire en République Démocratique du Congo, APECC, a présenté notre exposition « la Finance en images » pour la deuxième année consécutive. Nous avions fourni de nouvelles affiches axées sur le budget et le contrôle des dépenses. Cette année,
- [L’exposition « La Finance en Images » à Kinshasa, RD Congo.](https://aandbmake3.org/fr/2016/05/23/lexposition-la-finance-en-images-a-kinshasa-rd-congo/) - Lors de la Semaine Mondiale de l’Argent organisée par la CYF qui s’est tenue à Kinshasa du 28 mars au 3 avril , APPEC-EDUCATION (l’Association pour la Promotion de l’Education à l’Entrepreneuriat au Congo) avec le soutien de a+b= 3 et en partenariat avec l’APROCEC (l’Association Professionnelle des Coopératives de Crédit et d’Epargne de DRC)
- [Formation de formateurs 14-17 juin Siem Reap](https://aandbmake3.org/fr/2010/06/09/formation-de-formateurs-14-17-juin-siem-reap/) - Notre prochaine Formation de Formateurs sur "comment enseigner la gestion de l'argent" se déroulera à Siem Reap au Cambodge du 14 au 17 juin.
- [Reportage de Radio France Internationale sur a+b=3](https://aandbmake3.org/fr/2014/03/15/reportage-de-radio-france-internationale-sur-ab3/) - Dans le cadre d'une série de vidéos sur des entreprises sociales novatrices au Cambodge, Radio France Internationale nous a fait l'honneur de nous sélectionner et faire un reportage sur notre travail au Cambodge : http://webdoc.rfi.fr/cambodge-sok-sabai/#/les-cartes-en-main
- [Aider les familles](https://aandbmake3.org/fr/2018/10/31/aider-les-familles/) - Les 10 et 11 septembre, les travailleurs sociaux d'Enfants du Mékong ont appris et mis en pratique un programme de formation simple destiné aux familles et axé sur les priorités en matière de dépenses et de désendettement. Après avoir pratiqué avec leurs pairs, ils ont animé quelques séances avec des familles soutenues par Enfants du
- [Save the Children Burkina - Formation de Formateurs jour 1](https://aandbmake3.org/fr/2019/01/22/save-the-children-burkina-formation-de-formateurs-jour-1/) - Après les projets menés avec Save the Children Népal et Inde (Rajasthan), les équipes du Burkina Faso ont invité a+b=3 à créer et localiser une formation en budget familial pour les familles bénéficiaires de transferts de cash et de former leurs animateurs à l'animer. En cette première journée, les participants ont d'abord approfondi leur compréhension
- [Save the Children Burkina - Formation de Formateurs jour 2](https://aandbmake3.org/fr/2019/01/23/save-the-children-burkina-formation-de-formateurs-jour-2/) - 2ème jour de notre formation de formateurs avec Save the Children Burkina. Après avoir révisé les points importants de la veille et découvert quelques autres exemples de formation (budget alimentaire et nutrition, vraies et fausses urgences), les formateurs ont discuté des objectifs et possible contenu du programme de budgétisation familiale qu'ils souhaiteraient déployer auprès des
- [Save the Children Burkina - Formation de Formateurs jour 3](https://aandbmake3.org/fr/2019/01/24/save-the-children-burkina-fdf-jour-3/) - 3ème jour de notre formation de formateurs avec Save the Children Burkina. Après avoir travaillé sur le plan de mise en œuvre, les participants ont préparé et pratiqué les trois sessions du programme (à finaliser).
- [Formation pilote - budget familial - Save the Children Burkina](https://aandbmake3.org/fr/2019/01/25/formation-de-formateurs-pour-save-the-children-burkina/) - Après les trois jours de formation de formateurs, quatre formateurs ont animé la première session du programme de budgétisation familiale avec des bénéficiaires au village de Koalmo. Les participants ont discuté en petits groupes des priorités de dépenses tout en mettant les billets sur les images représentant leurs dépenses. Après avoir débriefé du pilote, photo
- [Ateliers sur la gestion de l'argent au Sénégal](https://aandbmake3.org/fr/2019/01/27/ateliers-sur-la-gestion-de-largent-au-senegal/) - Pour nos toutes premières formations au Sénégal sur la gestion de l'argent, nous avons été accueillis d'abord par la Fondation Amadou Deme à Dakar. Le coeur de l'atelier était les priorités et le budget et les participants ont posé de nombreuses questions. Puis nous avons fait un atelier avec les étudiants en master à l'ESUP
- [ESUP Dakar - présentation](https://aandbmake3.org/fr/2019/01/31/esup-dakar-presentation/) - ESUP Dakar a invité ce jour a+b=3 à faire une présentation d'une heure sur la gestion de l'argent pour une centaine d'étudiants en licence. Pour la plupart d'entre eux, c'est la première fois qu'ils doivent gérer un revenu mensuel (l'argent envoyé par leurs parents) et très peu notent leurs dépenses ou savent ce qu'est un
- [Introduction à l'entreprenariat](https://aandbmake3.org/fr/2019/01/31/introduction-to-entreprenariat/) - A leur demande après l'atelier de gestion de l'argent de dimanche dernier, quelques élèves de Master à l'ESUP ont participé à une formation d'introduction à l'entreprenariat qui a débuté par une simulation : les participants montaient un petit commerce et le faisait tourner pendant quelques jours. Puis la formation a couvert les étapes de création
- [Gérer son argent - ISM Dakar](https://aandbmake3.org/fr/2019/02/02/gerer-son-argent-ism-dakar/) - L'ISM de Dakar nous a ouvert ses portes pour un atelier d'une demi journée sur la gestion de l'argent. Quelques étudiants et surtout des enseignants et employés ont participé activement aux diverses activités : fixer des priorités, faire un budget, noter ses dépenses, calculer sa limite de dépenses quotidienne, conseils pratiques pour contrôler les dépenses,
- [Sokone](https://aandbmake3.org/fr/2019/02/05/sokone/) - Deux courts ateliers à Sokone, d'abord avec des jeunes, organisé par la Fondation Amadou Dème puis avec des femmes du GIE UTAS.
- [Lycée Privé Hadji Amadou Dème de Sokone](https://aandbmake3.org/fr/2019/02/06/lycee-prive-hadji-amadou-deme-de-sokone/) - Le Directeur du Lycée privé de Sokone, M. Dieng, nous a fait une visite guidée de son école et son nouveau bâtiment afin de discuter des besoins des élèves en connaissances pratiques de gestion de l'argent. Il nous a également montré le terrain agricole où les élèves font pousser des légumes.
- [Formation au budget familial à Madagascar](https://aandbmake3.org/fr/2019/02/19/formation-au-budget-familial-a-madagascar/) - A la demande du maire de la commune, ASM2E, notre partenaire à Madagascar, a formé un groupe de parents (surtout des mères) à Vatomandry, à 180km de Tamatave.
- [Formation de Formateurs - APPEC Kinshasa - jour 1](https://aandbmake3.org/fr/2019/02/25/formation-de-formateurs-appec-kinshasa-jour-1/) - Première journée de formation de formateurs à Kinshasa en collaboration avec notre partenaire congolais APPEC. La formation se déroule au FOLECO (Fédération des ONG laïques à vocation économique) pendant 5 jours et accueille une trentaine de participants de diverses organisations civiles. Aujourd'hui nous avons commencé par réfléchir aux finalités de l'éducation financière et présenté notre
- [Formation de Formateurs - APPEC Kinshasa - jour 3](https://aandbmake3.org/fr/2019/02/27/formation-de-formateurs-appec-kinshasa-jour-3/) - Le meilleur moyen d'apprendre à animer une formation et prendre confiance en soi est de s'entraîner. Donc, aujourd'hui les participants ont pratiqué comment animer une formation sur différents thèmes : quelles dépenses peut-on prévoir et lesquelles on ne peut pas ? Comment gérer les dépenses imprévisibles ? Comment gérer les dépenses liées aux fêtes et
- [Formation de Formateurs – APPEC Kinshasa – jour 4](https://aandbmake3.org/fr/2019/02/28/formation-de-formateurs-appec-kinshasa-jour-4/) - Suite des sessions pratiques : les participants se sont entraînés à animer des formations sur les thèmes suivants : la communication entre époux sur l'argent - comment éviter de se disputer comment éduquer les enfants à la gestion de l'argent conseils pour encourager les jeunes à gérer de façon responsable l'argent que leur confient leurs
- [Formation Femmes Entrepreneures - Kinshasa - jour 1](https://aandbmake3.org/fr/2019/03/04/formation-femmes-entrepreneures-kinshasa-jour-1/) - Pour cette première matinée, à travers l'histoire d'Esengo qui fabrique et vend des savons, nous nous sommes concentrées sur l'essentiel pour gérer une petite affaire : l'importance de tenir les comptes et comment, pourquoi séparer les comptes personnels des comptes de l'entreprise, le calcul du profit, comment couvrir les frais fixes le calcul d'une prévision
- [Formation Femmes Entrepreneures – Kinshasa – jours 2 et 3](https://aandbmake3.org/fr/2019/03/06/formation-femmes-entrepreneures-kinshasa-jours-2-et-3/) - Le second jour de notre formation pour les femmes entrepreneures a été consacré à la suite du cas de la marchande de savons (comment prévoir les ventes, comment accroître les ventes, calcul du capital et combien se rémunérer). Puis nous avons pratiqué comment prioriser les dépenses personnelles et familiales et faire un budget.
- [Formation Entrepreneures – Kinshasa – jours 4 et 5](https://aandbmake3.org/fr/2019/03/08/formation-entrepreneures-kinshasa-jours-4-et-5/) - Ce quatrième jour, les participantes ont monté et tenu un petit commerce et ont ainsi pu pratiquer faire un plan, fixer des prix de vente, gérer les approvisionnements, aménager la boutique pour attirer la clientèle, vendre, et bien sûr tenir les comptes et calculer le bénéfice. Une matinée bien occupée. Cinquième et dernier jour
- [Des mototaxis aux maraîchères](https://aandbmake3.org/fr/2019/12/04/des-mototaxis-aux-maraicheres/) - APPEC-Education (le partenaire d'a+b=3 en RD Congo) avec la collaboration du syndicat des mototaxis et de la COPEMECO a formé plus de deux cents personnes en octobre et novembre. Un premier atelier de formation a été animé en octobre auprès d'une trentaine de mototaxis sur la gestion des dépenses, l'importance de l'épargne surtout pour les
- [Des nouvelles de Madagascar](https://aandbmake3.org/fr/2020/01/16/des-nouvelles-de-madagascar/) - Le 21 décembre 2019, une dizaine de participants aux formations en éducation financière organisées par ASM2E (le partenaire d'a+b=3 à Taomasina, Madagascar) ont reçu leur diplôme. Ils représentaient les 351 personnes qui ont participé aux formations réparties en trois sessions et plusieurs vagues. Lors de la cérémonie de remise des diplômes, la représentante de la
- [Formation de Formateurs - Enfants du Mékong Sisophon](https://aandbmake3.org/fr/2022/04/29/formation-de-formateurs-enfants-du-mekong-sisophon/) - Du 7 au 10 avril, 15 travailleurs sociaux d'Enfants du Mékong ont suivi une formation de formateurs sur l'éducation financière à Sisophon au Cambodge. Alors que les difficultés financières ont frappé les familles et leurs enfants encore plus durement pendant la pandémie de Covid, il s'est avéré plus important que jamais de compléter le soutien
- [Les étudiants et l'argent : stress et faim](https://aandbmake3.org/fr/2022/06/06/les-etudiants-et-largent-stress-et-faim/) - Moins d’argent, c’est moins de repasNotre partenaire burkinabè APFEP a réalisé en mars-avril 2022 une grande enquête sur la santé financière des étudiants, auprès de plus de 200 étudiants de diverses villes et universités du pays. 70% des étudiants déclarent avoir dû sauter un ou plusieurs repas la semaine passée faute d’argent. Une enquête similaire
- [APEFP – partenaire d’a+b=3 au Burkina Faso](https://aandbmake3.org/fr/2022/06/06/apefp-partenaire-dab3-au-burkina-faso/) - Notre partenaire burkinabè APEFP (Association Pour l’Education Financière du Public) a réalisé une première formation en face à face le 23 avril 2022 à l'université Thomas Sankara, auprès de 54 étudiants (contre les 30 inscrits), formation repoussée à cause de la pandémie. Les formateurs d’APEFP ont été formés en ligne sur notre nouvelle plateforme et
- [Partenaires d'Apprentis d'Auteuil en RD Congo - formation des formateurs - jour 1](https://aandbmake3.org/fr/2022/07/25/partenaires-dapprentis-dauteuil-en-rd-congo-formation-des-formateurs-jour-1/) - Les partenaires d'Apprentis d'Auteuil à Kinshasa ont pour objectif d'autonomiser les enfants en situation de rue. Afin de renforcer l'efficacité du programme entreprenariat déjà dispensé dans les Centres de Formations Professionnelles, Apprentis d'Auteuil a invité a+b=3 à former les formateurs de leurs partenaires en gestion financière, à la fois sur le fond, et sur les
- [Les Aventures au Parc d'Argent... en espagnol](https://aandbmake3.org/fr/2009/08/08/les-aventures-au-parc-dargent-en-espagnol/) - Holá! Pendant quatre matinées d'afilée, nous avons animé notre atelier pour enfants "Aventures au Parc d'Argent" en espagnol à l'Ecole d'Immersion d'Eden Prairie (MN, USA). Les enfants se sont pris au jeu tout de suite et ont activement participé à toutes les activités. Ils sont appris et mis en pratique comment convertir des pesos en
- [Partenaires d’Apprentis d’Auteuil en RD Congo – formation des formateurs – jour 3](https://aandbmake3.org/fr/2022/07/27/partenaires-dapprentis-dauteuil-en-rd-congo-formation-des-formateurs-jour-3/) - Jean Michel, le partenaire d'a+b=3 en RD Congo, nous a rejoints pour co-animer la formation. La journée a commencé par le jeu des messages : plus c'est bref et simple, mieux ça passe ! Puis les participants se sont attelés à adapter les exercices et matériels qu'ils avaient découverts lundi et mardi : en s'appuyant
- [Partenaires d’Apprentis d’Auteuil en RD Congo – formation des formateurs – jour 4](https://aandbmake3.org/fr/2022/07/28/partenaires-dapprentis-dauteuil-en-rd-congo-formation-des-formateurs-jour-4/) - Aujourd'hui, les formateurs se sont entraînés à animer la session de formation qu'ils avaient préparée la veille, l'occasion d'apprendre à manipuler le matériel de formation, laisser faire les participants sans trop parler, et de vérifier la compréhension des concepts de base découverts les deux premiers jours. La journée s'est terminée par le jeu de la
- [Partenaires d’Apprentis d’Auteuil en RD Congo – formation des formateurs – jour 5](https://aandbmake3.org/fr/2022/07/29/partenaires-dapprentis-dauteuil-en-rd-congo-formation-des-formateurs-jour-5/) - La journée a commencé par une formation avec les jeunes animée par John, un des formateurs participant à ces cinq jours de formation, et par Jean-Michel, le formateur d'APPEC, partenaire d'a+b=3 en RD Congo. Les jeunes ont créé et géré une petite boutique et se sont avérés d'excellents vendeurs. Une jeune fille a même décidé
- [Social enterprise](https://aandbmake3.org/2010/01/31/social-enterprise/) - a and b make 3 is a social enterprise: whenever we can, we encourage small local businesses. Our work in Cambodia is an example of the way we try to create value locally: When we organise a training the trainers in Cambodia, we buy our training supplies locally; we also have our trainers' guide printed
- [Money adventures... in Spanish!](https://aandbmake3.org/2009/08/08/money-adventures-in-spanish/) - Holá! For four mornings in a row, we ran our money workshop for 6-8 year old children "Adventures at Money Park" in Español in the Spanish Immersion School of Eden Prairie (MN, USA). That was definitely fun to see kids play in various activities around money. They learned and practised how to convert pesos to
- [Financial Education Conference - Manila](https://aandbmake3.org/2012/12/11/financial-education-conference-manila/) - Chhunn attended the Financial Education conference organised by Citi and the Financial Times in Manila. with the Enrich team (from left to right: Lenlen, Aruni, Myriam, Chhunn and Raul) - photo: Raul Puentespina)
- [Family programme - Phnom Penh - Enfants du Mekong](https://aandbmake3.org/2012/11/28/family-programme-phnom-penh-enfants-du-mekong/) - Last September, Enfants du Mekong social workers in Phnom Penh ran a review workshop with low income families (parents and their sponsored children) - 149 people in 5 groups. The review focused on expense management and debt reduction with a first part on motivation and goals.
- [This Life Cambodia - Financial Education in Rural Cambodia](https://aandbmake3.org/2010/09/30/this-life-cambodia-financial-education-in-rural-cambodia/) - In September 2010, This Life Cambodia (TLC (http://www.thislifecambodia.org/) conducted a training on money management in Krabei Riel Community (Siem Reap Province) following a+b=3's training the trainers and thanks to Barclays Bank funding. End of July, TLC used the Participatory Rural Appraisal technique to analyse the local problems, root cause and find solutions. One major problem in the target
- [Enfants du Mekong - Family Programme (3rd training)](https://aandbmake3.org/2010/07/26/enfants-du-mekong-family-programme-3rd-training/) - Enfants du Mekong social workers organised a follow up training with the families who get a sponsorship. 5 different programmes were targeted; a total of 135 adults attended. Through stories and discussion, the training focused on: needs and leisure expenses the issue with having too high debts how to increase one's income
- [Training the Trainers: Day 4: Implementation plan](https://aandbmake3.org/2010/06/18/training-the-trainers-day-4-implementation-plan/) - A few more groups practised: practising also enabled the participants to learn the main five topics of our financial education programs: controlling expenses, managing debt, generating income, saving and planning Lunch together: impressive table and delicious Khmer food The last half day was focused on how to implement a financial education program in the trainers'
- [Training the Trainers: Day 3: practising!](https://aandbmake3.org/2010/06/17/training-the-trainers-day-3-practising/) - Today the trainers ... were training!
- [Traning the Trainers: Day 2: Discovering and adapting a+b=3's financial education programs to local targets](https://aandbmake3.org/2010/06/16/traning-the-trainers-day-2-discovering-and-adapting-ab3s-financial-education-programs-to-local-targets/) - Clear goals to make the most of the training Discovering a+b=3's programs After choosing one activity, trainers adapt it to their local context and prepare the practice sessions.
- [Training the Trainers in Siem Reap: Day 1: discovering financial education and participatory training methods](https://aandbmake3.org/2010/06/15/training-the-trainers-in-siem-reap-day-1-discovering-financial-education-and-participatory-training-methods/) - Practising: how to teach needs and wants in a participatory way The benefits of being financially literate... and the consequences of not being financially literate. The three levels of financial education: knowledge, skills and behaviour: The challenges of learning (and teaching) financial education: The three training methods: conference, questions and answers and participatory. Guess which
- [Training the Trainers 14-17 June Siem Reap](https://aandbmake3.org/2010/06/09/training-the-trainers-14-17-june-siem-reap/) - Our next Training the Trainers on "how to teach money matters" will take place in Siem Reap (Cambodia) from June 14 to 17.
- [Financial Education Meeting - Beijing 11 June 2010](https://aandbmake3.org/2010/06/09/financial-education-meeting-beijing-11-june-2010/) - a+b=3 and Mercy Corps co-organised a meeting on Financial Education in Beijing on June 11. The purpose of the meeting was to share best practices between all interested organisations, learn about innovations, discuss the challenges we face when implementing a financial education program. a + b = 3 和国际美慈组织很荣幸地邀请您参加将于6月11日在北京举行的金融教育研讨会，为期一天。 会议目的 一个家庭如何摆脱负债、如何进行家庭理财、如何制定家庭预算，如何进行储蓄… …您的机构是否开展过金融教育？或者您的机构希望为客户提供类似的培训但不知道如何去做？ 这个为期一天的会议将在下列方面为您提供帮助： (1) 了解金融教育包括哪些内容及其重要性； (2)
- [Financial Education Presentation in Siem Reap (Cambodia)](https://aandbmake3.org/2010/03/16/financial-education-presentation-in-siem-reap-cambodia/) - On March 15, 2010, Sophie introduced what financial literacy is, the benefits and difficulties in learning and teaching financial education and examples of training programs. The event was attended by around 30 people, from local NGOs and companies in Siem Reap (Cambodia). It was co-organised by ConCert, a local NGO and hosted by La Residence
- [Hong Kong: Setting up my business for Trainers](https://aandbmake3.org/2009/12/15/hong-kong-setting-up-my-business-for-trainers/) - Trainers from our Hong Kong partner, Enrich, attended our Training the Trainers on our new programme "Setting up my business". This programme is an 18 hour training designed especially for Migrant Workers working in Hong Kong who plan to set up a small business once back home to the Philippines or Indonesia. This programme, split
- [Teaching students to set up a business](https://aandbmake3.org/2009/12/14/teaching-students-to-set-up-a-business/) - While I am in Phnom Penh, Enfants du Mekong has asked me to help out and facilitate a training on how to set up a business for Year 2 and Year 3 students. With the support of Samuel, a volunteer who worked several years in marketing and finance, the students have already started working on
- [welcome to a+b=3 blog](https://aandbmake3.org/2007/01/01/welcome-to-ab3-blog/) - This blog is about financial education: why it is important, what's new, what we can do to raise financial literacy and make this world a better place, especially for those living on very limited resources. We will also keep you updated on the latest training, projects or services of a+b=3.
- [Entrepreneur par défaut](https://aandbmake3.org/fr/2018/03/10/entrepreneur-par-defaut/) - Dites « Entrepreneur » et des mots comme « innovant », « preneur de risques », « futuriste » viendront à l'esprit. Dites « Entrepreneur » et une image de personne indépendante, innovatrice et positive prête à prendre en charge son avenir et prenant sans cesse le risque de transformer des idées en revenus viendront à l'esprit. Mais la plupart des micro-entrepreneurs dans les pays
- [L'alphabétisation financière à l'école](https://aandbmake3.org/fr/2017/05/08/lalphabetisation-financiere-a-lecole/) - Après avoir lu notre bulletin d'information précédent qui expliquait que les enfants apprennent à gérer l’argent surtout via le comportement de leurs parents, plusieurs d'entre vous nous ont écrit et demandé : et les écoles ? Si les parents ne parviennent pas à jouer un rôle de modèle dans la budgétisation, la priorisation et l'anticipation
- [L'enseignement des enfants sur la gestion de l'argent est-elle efficace?](https://aandbmake3.org/fr/2017/03/27/lenseignement-des-enfants-sur-la-gestion-de-largent-est-elle-efficace/) - Peu de temps après avoir commencé à animer des ateliers sur la gestion de l'argent pour les travailleurs immigrés à Hong Kong, des parents nous ont contactés pour nous demander d’offrir des formations pour leurs enfants. Nous avons donc conçu et dirigé des ateliers d'activités après l’école pendant plusieurs années, jusqu'à ce qu'un jour, on
- [ONG : pourquoi et comment intégrer l'éducation financière...](https://aandbmake3.org/fr/2015/03/10/ong-pourquoi-et-comment-integrer-leducation-financiere/) - Le but de votre Organisation est d’améliorer les conditions de vie des personnes à bas revenus grâce à des programmes de santé , éducation, réduction de la violence et génération de revenus entre autres. La plupart du temps, les difficultés de vos clients sont liées à leur situation financière : ils n’arrivent pas à se désendetter, voient les prix des aliments de base augmenter,
- [Mesurer l'impact de l'éducation financière](https://aandbmake3.org/fr/2018/05/03/mesurer-l-impact-de-l-education-financiere/) - Vous avez organisé un programme d'éducation financière avec des familles et, quelques mois plus tard, vous les interviewez pour savoir quel impact cela peut avoir eu. Les personnes interrogées se souviennent de l'atelier, mais la plupart d'entre elles ne font pas de budget ; certaines ont parlé à leurs conjoints de ce qu'elles ont appris
- [Pilot training for families in DR Congo](https://aandbmake3.org/2017/09/25/pilot-training-for-families-in-dr-congo/) - APPEC, our partner in DR Congo, piloted an adaptation of our training workshop for low income families in the suburb of Kinshasa. The workshop focused on how to manage an irregular income (we took the example of a lady making and selling soap bars), how to record business expenses separately from personal expenses and calculate
- [No funding for financial education: is it a problem? No!](https://aandbmake3.org/2017/10/27/no-funding-for-financial-education-is-it-a-problem-no/) - Does your NGO need specific funding to run a financial education programme? The answer is no... and here is why:
- [Cambodia's debt problem - key facts](https://aandbmake3.org/2017/11/06/cambodias-debt-problem-key-facts/) - US$ 3.99 billion(1) 2 million(2) $1500-$2000(3) 34.5%(4) x 4 (5) (1) outstanding loans from MFIs (Q3 2017, source: CMA) (2) 2.14 million households served by MFIs (source: World Bank, April 2017) (3) average loan from MFI by household. This is about 29% of households' annual disposable income according to the World Bank,. To this number should be added
- [Training the Trainers on "Business literacy" -GIZ Laos](https://aandbmake3.org/2017/11/23/training-the-trainers-on-business-literacy-giz-laos/) - 2 day in-house Training the Trainers on business for GIZ team in Laos. In the morning we focused on the basics to run a business: Introduction: what is your income activity? Identifying the common issues of small businesses Bookkeeping In the afternoon, we started the following module on how to start a new
- [Training the Trainers - microbusiness - GIZ, Laos](https://aandbmake3.org/2017/11/24/training-the-trainers-microbusiness-giz-laos/) - Day 2: we focused on how to encourage and give practical skills to villagers to start a new business. Reviewing key message from day 1 Market and customers - what to start a business project with Impact of opening the same business as the neighbours' Business map Nice Lao lunch
- [Training the Trainers - Helping vulnerable families - day 1](https://aandbmake3.org/2017/11/28/training-the-trainers-helping-vulnerable-families-day-1/) - First day of our TOT focusing on helping vulnerable families, in Phnom Penh, with our partner ICS-SP at Vipassa: 1) What is financial education and what does it aim to? Matching problems and solutions Matching problems (financial or others) with solutions ... ... which helps define what financial education is about, and... ... stress
- [Training the Trainers - Helping vulnerable families - day 2](https://aandbmake3.org/2017/11/28/training-the-trainers-helping-vulnerable-families-day-2/) - After some review of yesterday's key content and how to explain it in a few minutes, in a simple way, we focused on families running a small business, and mixing personal and business expenses and not tracking their incomes and expenses. Profit calculation Team work for bookkeeping Yes! Participants are smiling while practising
- [Training the Trainers - Helping vulnerable families - day 3](https://aandbmake3.org/2017/11/29/training-the-trainers-helping-vulnerable-families-day-3/) - Today participants practised facilitating in a participatory way. They first chose one issue that their target groups face, then prepared a training activity to address it. Some had time to adapt it too. Several participants re-ran the the activities about debt, a huge issue for many Cambodian families: Another group focused on monthly budgeting for
- [Training the Trainers - Introduction to financial education for low income families](https://aandbmake3.org/2017/12/01/training-the-trainers-introduction-to-financial-education-for-low-income-families/) - One day training in Siem Reap introducing our programmes for low income families, in Salabai. After introducing the purpose of financial education (solving financial problems) and the difference between short term solutions and prevention, participants experienced our module on debt (a huge problem for many Khmer families) and our module on small business. Beautiful
- [Money management for young adults - Anjali House](https://aandbmake3.org/2017/12/02/money-management-for-young-adults-anjali-house/) - Youth from various organisations in Siem Reap as well as a few NGO staff joined our 4 hour training on how to manage money - hosted at Anjali House. We ran two sessions as more than 50 people signed up. Morning session: Experiencing prioritising with a familiar situation Prioritising how to use an allowance (income)
- [Possibilities World](https://aandbmake3.org/2017/12/03/possibilities-world/) - One hour basics on money management at Possibilities World (Siem Reap, Cambodia) prioritising expenses... a must in all our money workshops! Additional session on fundraising
- [How to set up a business](https://aandbmake3.org/2017/12/03/how-to-set-up-a-business/) - Anjali House hosted our short workshop on how to set up a business. The summary of this workshop is: if there is no customer, there is no business... so we focus on costumers! Anjali House Why do you want to start a business? The best way to learn about business... is to run one! Turning
- [Training the Trainers - Introduction: Financial Education for Youth](https://aandbmake3.org/2017/12/04/training-the-trainers-introduction-financial-education-for-youth/) - Second day of our introduction ToT for NGO staff: today we focused on youth: what are their main problems regarding money and how they learn about money management, Then we ran two examples of training: how to manage money and setting up a business. Main issue faced by youth about money What children understand (and
- [Passerelles Numeriques Cambodia](https://aandbmake3.org/2017/12/05/passerelles-numeriques-cambodia/) - Visit of Passerelles Numeriques Cambodia who has integrated for several years two training on financial education to their students:
- [In house training](https://aandbmake3.org/2017/12/07/in-house-training/) - Today in-house training at Auscam (Phnom Penh) where two trainers from Friends International joined us. Experiencing training for youth on how to manage money how youth can help their parents better run their small business
- [Meeting Enrich's trainers](https://aandbmake3.org/2017/12/09/meeting-enrichs-trainers/) - Reviewing and fine-tuning the content of Enrich's financial education workshops on money and family and how to set up a business. (Photo: enrich) Raul, Cecile, Sophie, Betty, Amalia, Pritya
- [Inspiring good habits](https://aandbmake3.org/2017/12/10/inspiring-good-habits/) - Half day training of trainers for our Hong Kong partner Enrich's Ambassadors and Graduates: Migrant Workers can instill good financial habits to their families, relatives, friends and communities when they come back home for holiday or for good, or remotely before. Our TOT focused on 1 key message: to solve a problem, we first need
- [financial emotion vs. rationality](https://aandbmake3.org/2017/12/12/financial-emotion-vs-rationality/) - Dreams and credit... poster seen in HK (Central): "take a credit and make your dreams come true." Then obviously financial education is a hard sell... because it appeals to rationality, and not emotion like financial ads, and because basically financial education says that dreams are not going to come true magically and easily, but through
- [Money management - coffee farmers in the Philippines](https://aandbmake3.org/2017/12/18/money-management-coffee-farmers-in-the-philippines-2/) - Lenlen, Enrich Hong Kong Senior Advisor, conducted a one-day workshop with coffee farmers in Atok, Benguet (Philippines). After the introduction to help participants open up and speak about money issues (never easy), participants practised prioritising first through a game on morning tasks, then with expenses, a tough but very important exercise. Re-prioritising to save for an
- [Financial Education Training for Teachers – Kinshasa (DR Congo)](https://aandbmake3.org/2018/01/26/financial-education-training-for-teachers-kinshasa-dr-congo/) - From January 23 to 25, about fifty teachers participated in a training of trainers in financial education. This training covered the basics of money management as well as pedagogical techniques in financial education and introduced a + b = 3’s new programme for schools in RD Congo, which consists of nine courses of 50 minutes
- [Union Bank - Corporate Social Responsibility](https://aandbmake3.org/2018/03/11/union-bank-corporate-social-responsibility/) - On March 3, the Corporate Social Responsibility Unit and the Sustainability Unit of the Union Bank of the Philippines organised a half day workshop for their outsourced personnel on money management. The training was facilitated by Lenlen Messina, former Executive Director of our Hong Kong partner, Enrich, and Lenlen was assisted by a few volunteers
- [ هل تعليم إدارة المال للأولاد فعّال؟](https://aandbmake3.org/2018/03/26/هل-تعليم-إدارة-المال-للأولاد-فعّال؟/) - بعد فترة وجيزة من بدء العمل بالتدريب على إدارة الأموال للعمّال المهاجرين في هونغ كونغ، اتصل بنا بعض الآباء ليسألوننا عن إمكانية تدريب أولادهم. فقمنا بتصميم و تحريك ورش عمل بعد المدرسة إستمرّت لعدة سنوات، حتى طُلب مني يوماً ما تنظيم سلسلة من التدريبات خاصة بمجموعة صغيرة من الأولاد، أعمارهم عشر سنوات،و ذلك في شقة
- [Training of Trainers in Eden Prairie with PROP (MN, USA)](https://aandbmake3.org/2018/05/04/training-of-trainers-in-eden-prairie-mn-usa/) - Yesterday, we ran a four-hour Training the Trainers with PROP case managers and family services specialists in Eden Prairie, MN. As families in financial crisis come to see them for help, the social workers wanted to get more practical tools on how to support them, especially between crises, so that families become more financially resilient.
- [Friends International - Training the Trainers](https://aandbmake3.org/2018/05/30/friends-international-training-the-trainers/) - After attending our Training the Trainers last November in Phnom Penh, Clara from Friends International designed a training in "money management" consisting of two three hour modules: "controlling your money" and "dealing with debt". In March, Clara trained 15 staff of Friends from Thailand, Laos, Indonesia and Cambodia and their local partner M'Lop Tapang. 13
- [محو الأمية المالية في المدرسة : ما هو الدور الذي يمكن أن تلعبه المدرسة في التعليم المالي؟](https://aandbmake3.org/2018/07/25/محو-الأمية-المالية-في-المدرسة-ما-هو-ال/) - بعد قراءة نشرتنا السابقة والتي وضّحت أن الأولاد يتعلمون إدارة الأموال بشكل رئيسي من خلال سلوك والديهم، والكثيرمنكم قد كتب وطلب منا: و ماذ عن المدرسة و دورها؟ إذا فشل الآباء في أن يكونوا نموذجا يحتذى به في إعداد الميزانية، وتحديد الأولويات والتحسُّب للإنفاق، يمكن للمدرسة توفيرمدخل مساوٍ إلى التعليم المالي وتساهم في كسر دائرة
- [Responsible employer](https://aandbmake3.org/2018/08/31/responsible-employer/) - In August 2018, in Siem Reap, Cambodia, GAEA Waste Management Company organised workshops for their staff on money management. Saruom who previously attended several training the trainers with a+b=3 and is employed by GAEA, facilitated the workshops. Saruom commented: "Participants calculated and found out that they spend half of their salary on drinking beers. Cutting down
- [ក្រុមគ្រួសារ - Enfants du Mekong - ក្រុងភ្នំពេញ](https://aandbmake3.org/2018/09/12/ក្រុមគ្រួសារ-enfants-du-mekong-ក្រុងភ្/) - គម្រោងថវិកានិងគ្រប់គ្រងចំណាយ សម្រាប់ក្រុមគ្រួសារ
- [Managing non daily expenses - pilot project in Madagascar](https://aandbmake3.org/2018/09/17/pilot-project-madagascar/) - Nine out of ten Malagasy live below the poverty line. With a non-regular daily income, managing money becomes even more critical. The Association Success-Madagascar Education and Environment (ASM2E) in Toamasina has been helping families since 2016 to enable them to educate their children, giving school supplies kits and raising awareness on the importance of education
- [Coffee Farmers Training the Trainers](https://aandbmake3.org/2018/10/08/coffee-farmers-training-the-trainers/) - In collaboration with EDC, our partner in Laos, Outspan has invited us to run a five day training the trainers to help coffee farmers manage their yearly income and household expenses. On the Bolaven Plateau, coffee is the farmers' main or only source of income and making last one income to cover 12 months of
- [Coffee Farmers Training the Trainers - day 2](https://aandbmake3.org/2018/10/09/coffee-farmers-training-the-trainers-day-2/) - Today, Outspan and Lao Women Union's staff who participate to our 5-day Training the Trainers organised by EDC, practiced facilitating the first module of the coffee farmers' training. Apart from feedback on facilitation skills, this was also the opportunity to fine-tune some parts of the training that we plan to facilitate with coffee farmers on
- [Coffee farmers Training the Trainers day 3](https://aandbmake3.org/2018/10/10/coffee-farmers-training-the-trainers-day-3/) - Third day of our Training the Trainers: participants experienced the second module of the farmers' training, which focuses on how to avoid debt (budget to pay back debt, managing expenses such as festivals and big purchase decisions), and in the afternoon we prepared tomorrow's pilot training with farmers.
- [Coffee Farmers Training](https://aandbmake3.org/2018/10/12/coffee-farmers-training/) - Today Outspan and Lao Women's Union who attended our financial education training since Monday facilitated the training with coffee farmers. Split in small groups, all facilitators had the opportunity to facilitate one part of the two training modules. Farmers were engaged and found the session relevant.
- [Training the Trainers - Coffee farmers - Day 5](https://aandbmake3.org/2018/10/12/training-the-trainers-coffee-farmers-day-5/) - Fifth and last day of our training the trainers for Outspan and Paksong Lao Women Union staff with EDC. Somchay, EDC managing partner and facilitator, as well as three facilitators, facilitated the morning session with a group of 22 coffee farmers. In the afternoon, facilitators analysed what went well and what could be improved in
- [Financial Management Training for Handicrafts - day 1](https://aandbmake3.org/2018/10/14/financial-management-training-for-handicrafts-day-1/) - Southern Laos and ADB invited EDC, a+b=3's partner in Laos, to run a three day training in the village of Ban Saphai, near Pakse in Champasak province to improve the financial management of the weavers -both of their business and their family's expenses - and encourage product diversification. Today's topic was business finance. Through a story,
- [Financial Management Training for Handicrafts – day 2](https://aandbmake3.org/2018/10/15/financial-management-training-for-handicrafts-day-2/) - On this second day of training with EDC and weavers from Ban Saphai village, near Pakse, after reviewing yesterday's key learning points, we focused on managing personal expenses: setting priorities, planning (including social expenses like invitations and festivals), how to manage expenses (and ourselves) when we go shopping. As it was a common issue, we
- [Financial Management Training for Handicrafts – day 3](https://aandbmake3.org/2018/10/16/financial-management-training-for-handicrafts-day-3/) - After focusing on business finance/bookkeeping on day 1 and family expenses on day 2 - and planning on both days - today participants worked on how to improve their business: who their customers are, what they want, and also cash management and ethics issues. Discussions were very lively. Then we concluded this full half day
- [Training the Trainers – Youth – Stella day 2](https://aandbmake3.org/2018/10/20/training-the-trainers-youth-stella-day-2/) - After reviewing a few important concepts (commitments and daily spending limit) and reflecting on all the different types of non financial wealth, participants from Stella designed and facilitated a short activity to address one of the issues identified yesterday that youth face.
- [Helping families](https://aandbmake3.org/2018/10/31/helping-families/) - On September 10 and 11, Enfants du Mekong social workers learned and practised a simple training programme for families focusing on spending priorities and getting out of debt. After practising with their peers, they facilitated a few sessions with families supported by Enfants du Mekong in Phnom Penh. Families (mostly women) said the session on
- [Save the Children Burkina - Training the Trainers day 2](https://aandbmake3.org/2019/01/23/save-the-children-burkina-training-the-trainers-day-2/) - 2nd day of our training of trainers with Save the Children Burkina. After reviewing the main learning points of the previous day and discovering some other examples of training (food budget and nutrition, real and false emergencies), the trainers discussed the objectives and possible contents of the family budgeting programme they would like to roll
- [Save the Children Burkina - TOT day 3](https://aandbmake3.org/2019/01/24/save-the-children-burkina-tot-day-3/) - 3rd day of our training the trainers with Save the Children Burkina. After working on the implementation plan, participants prepared and practised facilitating the three sessions of the (still to be finalised) family budgeting module that covers spending priorities, making sure a small business is profitable and savings for children's education.
- [Managing a first salary - 2IM Dakar](https://aandbmake3.org/2019/01/28/managing-a-first-salary-2im-dakar/) - Sitor Ndour, the general director of 2IM - Institut International de Management - in Dakar invited Sophie (a+b=3) to deliver a speech at 2IM's graduation party, in the presence of the Minister of Higher Education. Sophie told students to forget about how much they get as salary, but to rather keep their spending limit in
- [ESUP Dakar - presentation](https://aandbmake3.org/2019/01/31/esup-dakar-presentation-undergrad/) - Today ESUP Dakar invited a + b = 3 to give a one-hour presentation on money management for a hundred undergraduate students. For most of them, this is the first time they have to manage a monthly income (money sent by their parents) and very few write down their expenses or know what a budget
- [Introduction to business](https://aandbmake3.org/2019/01/31/introduction-to-business/) - At their request after last Sunday's money management workshop, some ESUP Master's students took part in an introductory entrepreneurship training which started with a simulation: participants set up a small business and ran it for a few days. Then the training covered how to start a business, setting prices, the importance of the customer (no
- [អង្គការកុមារអាស៊ីក្នុងទីក្រុងភ្នំពេញ - គម្រោងថវិកានិងគ្រប់គ្រងចំណាយ](https://aandbmake3.org/2019/02/03/អង្គការកុមារអាស៊ីក្នុង/) - និស្សិតឆ្នាំទី 1 នៅអង្គការកុមារអាស៊ីក្នុងទីក្រុងភ្នំពេញ ត្រូវចំណាយលើការរស់នៅប្រចាំថ្ងៃរបស់ពួកគេ។ នេះគឺជាបញ្ហាប្រឈមសម្រាប់និស្សិតជាច្រើន ហើយនេះក៍ជាលើកទីមួយដែលពួកគេត្រូវតែចេះគ្រប់គ្រងនិងចាត់ចែងប្រាក់ សម្រាប់ការរស់នៅក្នុងទីក្រុងធំៗដូចជាទីក្រុងភ្នំពេញនេះ ព្រោះថាវាមានភាពទាក់ទាញដែលនាំអោយមានចំណាយជាច្រើន។ ដើម្បីជួយដល់ពួកគេ a + b = 3 បានធ្វើសិក្ខាសាលាបណ្តុះបណ្តាលរយៈពេលកន្លះថ្ងៃដោយផ្តោតជាអាទិភាពលើ គម្រោងថវិកានិងគ្រប់គ្រងចំណាយ។
- [Sokone](https://aandbmake3.org/2019/02/05/sokone-2/) - Two short workshops in Sokone, first with young people, organised by the Amadou Dème Foundation and then with women from GIE UTAS..
- [Lycée Privé Hadji Amadou Dème de Sokone](https://aandbmake3.org/2019/02/06/lycee-prive-hadji-amadou-deme-de-sokone-2/) - The Director of Sokone Private High School, Mr. Dieng, gave us a tour of his school and its new building to discuss students' needs for practical money management skills. He also showed us the agricultural land where students grow vegetables.
- [Family budget training in Madagascar](https://aandbmake3.org/2019/02/19/family-budget-training-madagascar/) - At the request of the mayor of the town, ASM2E, our partner in Madagascar, ran a family budgeting training with a group of parents (mostly mothers) in Vatomandry, 180 km from Tamatave.
- [Training of Trainers - APPEC Kinshasa - day 3](https://aandbmake3.org/2019/02/27/training-of-trainers-appec-kinshasa-day-3/) - The best way to learn to facilitate a training workshop and build self-confidence is to facilitate. So, today the participants practised facilitating a training session on various topics: what expenses can be planned and which ones cannot? How to manage unpredictable expenses? How to manage expenses related to festivals and ceremonies? Key messages were: let's
- [Training of Trainers – APPEC Kinshasa – day 4](https://aandbmake3.org/2019/02/28/training-of-trainers-appec-kinshasa-day-4/) - Second day of the practical sessions: the participants practised facilitating a session on the following topics: communication between spouses about money - how to avoid arguing how to educate children to money management tips to encourage youth to responsibly manage the money their parents give them where to save how to encourage ethical practices During
- [Gérer un salaire](https://aandbmake3.org/fr/2019/03/02/gerer-un-salaire/) - Courte formation à l'Ecole Lusay/ONG Lumière à Kinshasa avec les enseignants, des personnels et quelques élèves. La formation portait sur la gestion d'un salaire (priorités des dépenses, budget...) mais un des problèmes auxquels sont confrontés les enseignants sont les arriérés de salaire : comment gérer les dépenses quand le salaire n'est pas payé ou payé
- [Small Businesswomen training workshop - Kinshasa - day 1](https://aandbmake3.org/2019/03/04/small-businesswomen-training-workshop-kinshasa-day-1/) - For this first morning, through the story of Esengo who makes and sells soaps, we focused on the essentials to manage a small business: the importance of bookkeeping the accounts and how to do it, why separate personal accounts from business accounts, how to calculate a profit, how to cover fixed costs, how to calculate
- [Managing a salary](https://aandbmake3.org/2019/03/02/managing-a-salary/) - Short training session at the Lusay School / NGO Lumière in Kinshasa with teachers, staff and some students. The session focused on how to manage a salary (spending priorities, budget ...) but one of the problems facing teachers are the salary arrears: how to manage expenses when the salary is not paid or paid with
- [Le coronavirus et l'argent](https://aandbmake3.org/fr/2020/04/09/le-coronavirus-et-largent/) - Nous vivons des moments difficiles - et il est difficile de donner des conseils. Sans revenu, même les bons gérants ont du mal. Planifiez ce que vous avez. Faire des plans peut sembler inutile lorsque l'avenir semble si incertain. Au contraire, c'est encore plus important. Vous ne voulez pas gaspiller un centime (ni de la
- [Démystifier les mythes de l'argent : #1 L'argent ne fructifie pas](https://aandbmake3.org/fr/2022/06/08/demystifier-les-mythes-de-largent-1-largent-ne-fructifie-pas/) - À la question « Que voulez-vous apprendre d'autre sur l'argent ? » en questionnaire post-formation, depuis 15 ans nous obtenons toujours la même réponse : « apprendre à faire fructifier mon argent ». Tout d'abord, cela montre que les participants savent que la budgétisation et l'épargne ne suffisent clairement pas à faire une différence rapide
- [Small Businesswomen training workshop – Kinshasa – days 2 and 3](https://aandbmake3.org/2019/03/06/small-businesswomen-training-workshop-kinshasa-days-2-and-3/) - The second day of our training for women entrepreneurs was devoted to following the case of a soap merchant (how to forecast sales, how to increase sales, how to calculate capital and how much to pay oneself). Then we practised how to prioritise personal and family expenses and make a budget. The third
- [Business training workshop – Kinshasa – days 4 and 5](https://aandbmake3.org/2019/03/08/business-training-workshop-kinshasa-days-4-and-5/) - On the fourth day, the participants set up and ran a small business and were able to practise making a plan, set selling prices, manage supplies, build the shop to attract customers, sell, and of course keep the accounts and calculate earnings. A busy morning. Fifth and Last Day: Setting up a Business (Continued):
- [Education financière pour les Lycéens de Sokone (Sénégal)](https://aandbmake3.org/fr/2019/03/21/education-financiere-pour-les-lyceens-de-sokone-senegal/) - " Je pense que ce fut important car cela nous permis d'avoir des notions sur la gestion financière pour le futur. Déjà, on a commencé avec le gouvernement scolaire. " " L'avantage réside dans la gestion du temps d'abord, de ses finances en faisant la différence entre ce qui est nécessaire et ce qui est
- [Money awareness for school children](https://aandbmake3.org/2019/03/31/money-awareness-for-school-children/) - On March 31st, we conducted an introduction workshop on money management with Borey Komar (Children of Asia)'s children in Phnom Penh. Children were split in three groups according to their age group. The youngest were shown a cartoon in Khmer telling the story of two children, one managing his money and one mismanaging it. Children
- [Credit cards and scams](https://aandbmake3.org/2019/04/23/credit-cards-and-scams/) - Second and last session of the financial literacy programme for ESL adult students at Metro South Adult Basic Education (Bloomington and Eden Prairie, MN): after reviewing the topics of the first session (importance of writing down expenses, budget and daily spending limit), students learned more about credit cards: the process, the costs, and what happens
- [Les obstacles à faire un budget](https://aandbmake3.org/fr/2019/05/03/les-obstacles-a-faire-un-budget/) - « Je ne veux pas planifier et épargner parce que ce n’est pas dans ma culture. Nous sommes généreux et la planification me rend égoïste. » « Je donne quand on me le demande. Je ne peux pas le planifier. » La planification est probablement la compétence la plus essentielle pour gérer l’argent. L'argent est
- [Impact survey](https://aandbmake3.org/2019/05/17/impact-survey/) - After our training workshops in Burkina Faso, Senegal and DR Congo, we conducted a survey on what the participants changed in their way they manage money: the main change noted spontaneously by all the people who answered the survey: expenses management: less unnecessary expenses. 77% have reduced their debts. 62% increased their savings. 69% have not
- [Financial and Business Literacy TOT - GIZ Laos Pakse - day 1](https://aandbmake3.org/2019/07/01/financial-and-business-literacy-tot-giz-laos-pakse/) - First day of a five day Training of Trainers in Pakse, Laos, organised by GIZ-AFP, sponsored by Bank of the Lao-PDR, GIZ-AFP and Australian Aid and co-facilitated with our Laos partners EDC. After a brief inaugural speech by the Bank of Lao-PDR, this first day introduced financial education, the importance of needs assessment and building
- [Financial and Business Literacy TOT – GIZ Laos Pakse - day 2](https://aandbmake3.org/2019/07/02/financial-and-business-literacy-tot-giz-laos-pakse-day-2/) - Second day of a five day Training of Trainers in Pakse, Laos, organised by GIZ-AFP, sponsored by Bank of the Lao-PDR, GIZ-AFP and Australian Aid and co-facilitated with our Laos partners EDC. Today, facilitators practised facilitating different examples of financial literacy programmes for different target groups: farmers with yearly income, factory workers with a monthly
- [Financial and Business Literacy TOT – GIZ Laos Pakse – day 3](https://aandbmake3.org/2019/07/03/financial-and-business-literacy-tot-giz-laos-pakse-day-3/) - After looking at a few photos of other programmes that have implemented our programmes, facilitators turned into small businesses and ran a little shop - the best way to learn the challenges of running a business. Participants then put on their "villagers' hats" and experienced the first module of the business literacy a+b=3 has designed
- [Financial and Business Literacy TOT – GIZ Laos Pakse – day 4](https://aandbmake3.org/2019/07/04/financial-and-business-literacy-tot-giz-laos-pakse-day-4/) - This morning participants practised facilitating the first module of the GIZ-AFP business literacy programme that they experienced yesterday. This gave the opportunity to give feedback on some facilitating techniques. Then they discovered module 2 that aims to encourage villagers to find new business/income-generating ideas. Through a story, the module addresses the need to assess who
- [Le coronavirus et les dettes : le mot dont personne ne veut parler](https://aandbmake3.org/fr/2020/07/13/le-coronavirus-et-largent-le-mot-dont-personne-ne-veut-parler/) - Vantha et sa famille gagnaient environ 60 $ US par semaine - ce montant suffisait tout juste à payer le loyer et les factures (12 $), la nourriture (27 $), l'éducation (12 $ par mois = 3 $ par semaine), l'échéance des dettes (10 $) et les autres dépenses essentielles (santé, transport, téléphone…). Avec la
- [Financial and Business Literacy TOT – GIZ Laos Pakse – day 5](https://aandbmake3.org/2019/07/05/financial-and-business-literacy-tot-giz-laos-pakse-day-5/) - Today, we went to two villages in Champassak to pilot the Business Literacy module 1 and observed GIZ and its local partners' team facilitate it. The bookkeeping game kept everyone engaged.
- [Financial and Business Literacy TOT - GIZ Laos Luang Namtha - day 1](https://aandbmake3.org/2019/07/08/financial-and-business-literacy-tot-giz-laos-luang-namtha-day-1/) - For this second week with GIZ Laos and the support of Australian AID and Bank of Laos, and our partners EDC, we are running the same Training the Trainers but this time in Luang Namtha, in the North of Laos, with other participants. Today was split in three parts: Better understand what financial education is
- [Financial and Business Literacy TOT – GIZ Laos Luang Namtha – day 2](https://aandbmake3.org/2019/07/09/financial-and-business-literacy-tot-giz-laos-luang-namtha-day-2/) - Today, participants practised facilitating different training examples for different target groups: farmers with yearly income, small traders with daily income, factory workers with regular monthly income, farmers with different sources of income (vegetables, craft) on an irregular weekly basis. Beside improving their facilitation skills, participants also get to learn the logical structure of a training
- [Financial and Business Literacy TOT – GIZ Laos Luang Namtha – day 4](https://aandbmake3.org/2019/07/11/financial-and-business-literacy-tot-giz-laos-luang-namtha-day-4/) - Today we practised module 1 on business basics: profit calculation and bookkeeping.
- [Financial and Business Literacy TOT – GIZ Laos Luang Namtha – day 5](https://aandbmake3.org/2019/07/13/financial-and-business-literacy-tot-giz-laos-luang-namtha-day-5/) - Today, participants to the Training the Trainers from GIZ's local partners facilitated the Business Literacy module 1 in two villages: one near the Nam Ha National Bio-Diversity Conservation Area and one in the Vieng Phou Kha district (ເມືອງວຽງພູຄາ). Participants enjoyed the story (used as a case study throughout the session) and the bookkeeping game (nice
- [កាត់បន្ថយបំណុលជាមួយអ្នកជិតខាង](https://aandbmake3.org/2019/07/16/កាត់បន្ថយបំណុលជាមួយអ្ន/) - បន្ទាប់ពីមន្រ្តីសហគមន៍នៃអង្គការ អង់ហ្វង់ឌូមេគង់កម្ពុជា (Enfants du Mekong Cambodia​ (EdM)) បានចូលរៀនវគ្គបណ្តុះបណ្តាលគ្រូបង្គោលស្តីពី "ការគ្រប់គ្រងប្រាក់សម្រាប់គ្រួសារ" ជាមួយអង្គការ A+B=3 កាលពីឆ្នាំមុនរួចមក ឥឡូវនេះពួកគេបាននិងកំពុងផ្តល់វគ្គបណ្តុះបណ្តាលស្តីពី "ការគ្រប់គ្រងប្រាក់សម្រាប់គ្រួសារ" ដល់សហគមន៍នៅខេត្តស៊ីសុផុន និងភ្នំពេញ។ វគ្គបណ្តុះបណ្តាលនេះផ្តោតលើបញ្ហាចម្បងដែលគ្រួសារជួបប្រទះគឺ បំណុល​ ហើយគោលបំណងនៃវគ្គគឺកាត់បន្ថយបញ្ហាបំណុលដោយសារតែខ្វះការធ្វើផែនកាច្បាស់លាស់ឬខ្វះការសន្សំប្រាក់បំរុងទុកសម្រាប់ចំណាយធំៗ ។ បំណុលមិនត្រឹមតែមាននិន្នាការបង្កើនភាពងាយរងគ្រោះដល់គ្រួសារដែលជាអ្នកខ្ចីប្រាក់គេប៉ុណ្ណោះទេ ប៉ុន្តែក៏មានអ្នកជិតខាងឬសាច់ញាតិដែលជាអ្នកផ្តល់ប្រាក់កម្ចីរងគ្រោះដែរ (ដោយបន្ទាប់ពីអោយគេខ្ចីរួចមកពួកគេក៍មិនមានប្រាក់គ្រប់គ្រាន់សម្រាប់ការចំណាយផ្ទាល់ខ្លួនដែរ)។ សូមមើល​វីដេអូ: https://youtu.be/WR7WU5r_RvA សូមថ្លែងអំណរគុណដល់ក្រុមការងាររបស់ EdM សម្រាប់ការចែករំលែករូបថតនិងវីដេអូនេះ!
- [Profit or loss - training for parents](https://aandbmake3.org/2019/10/12/microbusiness-for-parents/) - While supporting poor children to go to school, Enfants du Mékong does not take that responsibility away from their parents. It is with this in mind that social workers in Phnom Penh invited us to run a training workshop for parents who have their own business (selling cakes, raising chickens, washing cars …). In two
- [វគ្គបណ្តុះបណ្តាលសម្រាប់ឪពុកម្តាយសិស្ស ស្តីពីចំណេញឬខាតនៃអាជីវកម្ម](https://aandbmake3.org/2019/10/12/ស្តីពីចំណេញឬខាតនៃអាជីវ/) - ប្រសិនបើយើងមិនដឹងថា តើអាជីវកម្មរបស់យើងដែលកំពុងធ្វើទទួលបានប្រាក់ចំណេញ ឬខាតទេនោះ យើងក៍មិនអាចប្រាកដថា តើត្រូវបង់ថ្លៃសាលារបស់កូន និងធ្វើការចំណាយសំខាន់ៗផ្សេងទៀតបានយ៉ាងដូចម្តេចដែរ។ អង់ហ្វង់ឌូមេគង្គ (Enfants du Mekong) បានផ្តល់ការបណ្តុះបណ្តាលដល់ឪពុកម្តាយរបស់សិស្សដែលសិក្សានៅក្នុង អង្គការអង់ហ្វង់ឌូមេគង្គ (Enfants du Mekong) ដែលពួកគាត់ប្រកបអាជីវកម្មតូចតាចដូចជា លក់នំ ចិញ្ចឹមមាន់ លាងឡានជាដើម។ ឪពុកម្តាយរបស់សិស្សបានរៀនពីរបៀបដើម្បីញែករវាងការចំណាយអាជីវកម្ម និងចំណាយគ្រួសាររបស់ពួកគាត់អោយដាច់ដោយឡែកពីគ្នា កំណត់ត្រាការលក់ ចំណាយ និងឥណទាន ដឹងពីរបៀបគណនាប្រាក់ចំណេញនិងការខាត។ ពួកគាត់មានគំនិតប្រសើរជាងមុនថា តើពួកគាត់អាចដកប្រាក់ចំណេញពីអាជីវកម្មបានចំនួនប៉ុន្មានសម្រាប់ចំណាយលើខ្លួនឯង និងរបៀបធ្វើការព្យាករណ៍សាច់ប្រាក់ដើម្បីឱ្យប្រាកដថាពួកគាត់មានប្រាក់សម្រាប់ចំណាយនាពេលអនាគតបាន។ សូមអរគុណដល់ អង់ហ្វង់ឌូ មេគង្គ ភ្នំពេញ (Enfants du​ Mekong Phnom Penh)។
- [Entrepreneur by default](https://aandbmake3.org/2014/06/22/entrepreneur-by-default/) - Say “ Entrepreneur” and words like “innovative”, “risk-taker”, “future-minded” will come to mind. Say “Entrepreneur” and an image of independent, innovative and positive-minded person ready to take charge of her/his future and relentlessly taking risk to turn ideas into incomes will come to mind. But most micro-entrepreneurs in developing countries don't really fit in that
- [Reflexions on OECD PISA Financial literacy assessment](https://aandbmake3.org/2014/07/15/reflexions-on-oecd-pisa-financial-literacy-assessment/) - On July 9th 2014, the OECD released the PISA financial literacy assessment of students. It is the first of its kind at that scale: around 29 000 students in 13 OECD countries were surveyed. It is a big step forward in recognising financial literacy as a proper set of skills and knowledge- independently from maths, even
- [Obstacles to planning](https://aandbmake3.org/2019/05/03/obstacles-to-planning/) - “I don’t want to plan and save because it is not in my culture – We are generous and planning makes me feel selfish.” “I give when I am asked. I can’t plan it.” Planning is probably the most essential skill to manage money. Money is limited and our incomes hardly ever coincide with our
- [Books we like](https://aandbmake3.org/2018/03/04/books-we-like/) - Why We Can't Afford The Rich by Andrew Sayer Poor Economics: A Radical Rethinking of the Way to Fight Global Poverty by Abhijit Banerjee and Esther Duflo (Abdul Latif Jameel Poverty Action Lab - J-PAL) Due Diligence: An Impertinent Inquiry into Microfinance by David Roodman The Political Economy of Microfinance: Financializing Poverty by Philip Mader
- [What should financial education be about?](https://aandbmake3.org/2017/06/03/what-should-financial-education-be-about/) - Samira has been saving regularly over the years for her daughter’s education. Her sister, Bopha, calls her one evening – she has a cancer and not enough money to pay for the medical bills. Could Samira help her? Siven has bought new shoes, the cheapest possible. His sister, Samira, congratulates him for being so savvy
- [Budgeting made easier: spending limit](https://aandbmake3.org/2017/02/27/budgeting-made-easier-spending-limit/) - Using picture cards and toy banknotes makes budgeting and prioritising easier. For example, give a daily income to each group using toy banknotes, and 5 or 6 cards of usual expenses (various food, clothes, soap) and ask them to choose how to spend their income. Then give them one or two cards representing monthly or yearly commitments (rent,
- [Reflections on parenting and leadership](https://aandbmake3.org/2017/01/04/reflections-on-parenting-and-leadership/) - As I read an article sent by a friend on how to help our children grow as leaders, I wondered what "leader" means? What would a world full of "leaders" look like? What about inspiring our children to "simply" grow human (and this is not simple), and find a place among other humans, and that not growing
- [Taking an educated purchasing decision](https://aandbmake3.org/2016/06/25/taking-an-educated-purchasing-decision/) - In a consumer society taking a purchase decision does not stop at the shop and whether to buy or not, and what to buy. It goes well beyond and includes what to do with what we have bought when we don't need it any longer. And at that later stage it can be even tougher
- [Embed financial education in other programmes](https://aandbmake3.org/2016/05/24/embed-financial-education-in-other-programmes/) - Financial education programmes for your clients Your target group is struggling to pay yearly expenses. Every year, most of them borrow from informal lenders to be able to pay for the school fees, and some of them also pull their children out of school. You organise a financial literacy workshop focusing on controlling expenses, reducing
- [Critical thinking and mindfulness](https://aandbmake3.org/2016/03/02/critical-thinking-and-mindfulness/) - Last November we triggered a long silence in our usually lively training room using cards printed on both sides (like the one displayed here): university students had just done their first draft budget… and it was not balanced. So how would they find the money? No problem – they could ask friends, or their parents,
- [NGO: step by step guide to include financial literacy in your programmes](https://aandbmake3.org/2015/03/10/ngo-step-by-step-guide-to-include-financial-literacy-in-your-programmes/) - What do you want to achieve with your financial education project? Defining clear goals will make your project focused, measurable… and successful. For example, if your target group is heavily indebted, focusing the programme on long term savings is unlikely to be implemented by the programme recipients. On the other hand, for a target group who is rather young and
- [Make a quick and lasting impression: use pictures](https://aandbmake3.org/2015/02/07/make-a-quick-and-lasting-impression-use-pictures/) - At home, in the streets, in our cupboards and on our screens, our landscapes are filled with advertising: pictures nudging us to buy this, eat that or use this service: lots of colours, a striking picture and a snappy slogan. Even if we don't read them, our eyesight catches them and processes them. Didn't our ancestors use their vision
- [Reverse the knowledge balance: your clients already know a lot about money](https://aandbmake3.org/2014/12/15/reverse-the-knowledge-balance-your-clients-already-know-a-lot-about-money/) - Today, Mr. S., farmer and father of three, is attending a financial literacy workshop. As the facilitator introduces himself, Mr. S’s mind wanders. He left his wife and eldest son to take care of the animals. It may rain this afternoon and he’d rather be in the field now. The first exercise is easy but
- [Are "needs" and "wants" still relevant?](https://aandbmake3.org/2014/09/13/are-needs-and-wants-still-relevant/) - Needs and wants have become the pillar of any financial education programmes. If we want to control our spending, before buying something, we should first think whether it is a need or a want. But does that really work? Try to talk about needs and wants to people who live with a few dollars a
- [Money Essentials - Cebu (Philippines)](https://aandbmake3.org/2007/06/26/money-essentials-cebu-philippines/) - We were invited to run two one-day workshop on how to manage money for the Year 1 students at the Enfants du Mekong Centre in Cebu (Philippines).
- [Sisophon Training the Trainers (Cambodia)](https://aandbmake3.org/2007/12/25/sisophon-training-the-trainers-cambodia/) - Enfants du Mekong hosted our four day training the trainers on financial literacy in Sisophon.
- [Good Planning with Money](https://aandbmake3.org/2008/10/04/good-planning-with-money/) - This Saturday, trainers from our Hong Kong partner, Enrich, attended a Training the Trainers on "Good Planning with Money". "Good Planning with Money" is a follow-up course on how to manage one's personal money. Why a follow up course? Simply, because one course is not enough: financial education takes time to build and practice. Participants
- [Octopus Kids Nurturing Program in Hong Kong](https://aandbmake3.org/2008/05/03/octopus-kids-nurturing-program-in-hong-kong/) - a+b=3's Chinese teacher, Becky, was invited to give financial education basic pieces of advice during the Octopus (*) Kids Nurturing Program Kick-off Ceremony at Saint James Settlement on 3 May 2008. To watch the presentation, click below:Octopus (*) In Hong Kong, the Octopus card is a card to which we can add money and use
- [Training the Trainers in Kunming (China)](https://aandbmake3.org/2008/11/08/training-the-trainers-in-kunming-china/) - For four days, we co-organised a Training the Trainers with GFEP on financial education. Around 20 participants from various organisations working in Sichuan and Yunnan discovered what financial education is about, principles of adult education, adapted examples of training and facilitated them. They are now all motivated and ready to get the message through their
- [Good Habits with Money Follow up - Enrich](https://aandbmake3.org/2008/11/26/good-habits-with-money-follow-up-enrich/) - Our Hong Kong partner, Enrich, conducted a follow up meeting to assess the impact of Good Habits with Money, our course for Migrant Workers.One of the participants showed that she managed to buy a house back to the Philippines thanks to her savings.
- [Financial Education Summit November 2008](https://aandbmake3.org/2008/11/30/financial-education-summit-november-2008/) - a+b=3 was invited as a guest speaker along with its partner enrich to the Citigroup-Financial Times financial education summit in Beijing (November 2008). Tim presents how a+b=3 works with local NGOs to design financial education programs that are relevant to each target. Tim (left) participates in the panel discussion, as long as Jane (second from
- [Training the Trainers - Good Planning with Money](https://aandbmake3.org/2008/11/30/training-the-trainers-good-planning-with-money/) - Good Planning with Money is the follow up course for Migrant Workers.
- [Training the trainers in Phnom Penh](https://aandbmake3.org/2009/03/06/training-the-trainers-in-phnom-penh/) - 21 participants (social workers, teachers, training coordinators) from 7 organisations attended a+b=3' five day workshop on financial education. The aim of this highly interactive training the trainers was to empower participants to facilitate a financial education programme to their clients, who include very low income families living in and around Phnom Penh and underprivileged youth
- [Helping local Hong Kong women](https://aandbmake3.org/2009/04/09/helping-local-hong-kong-women/) - The Women's Foundation have commissioned a+b=3 to create a training programme to help low income Hong Kong women get more confident, improve their financial independence and find new ways to generate income.After interviews and panel discussions, we created two training: Personal Enrichment and Introduction to Entrepreneurship. Personal Enrichment combines personal development skills (confidence, communication) with
- [Training for students - Enfants du Mekong](https://aandbmake3.org/2009/07/31/training-for-students-enfants-du-mekong/) - Enfants du Mekong trainers organised a 3 hour training for Year 1 students about spending, needs and wants, being a wise shopper, saving and setting goals. At the end of the session, students said:They liked the training course and gained some knowledge regarding how to spend and save money. Some of them said they would
- [Helping local Hong Kong women (2)](https://aandbmake3.org/2009/07/31/helping-local-hong-kong-women-2/) - Introduction to Entrepreneurship pilots were harder to organise: setting up a business is expensive in Hong Kong (rents are especially high) which puts off many women, and finding the right trainers took time.Finally, Yeast Foundation's trainers facilitated the two pilots which had a very good turnout and feedback. Why set up a business (first pilot)
- [Enfants du Mekong - Training for Family Programmes](https://aandbmake3.org/2009/08/31/enfants-du-mekong-training-for-family-programmes/) - Three social workers of Enfants du Mekong Phnom Penh - who attended the Training the Trainers in March- conducted several training workshops for the low income families supported by Enfants du Mekong. They adapted the a+b=3 material and ran several activities:managing expenses according to how much we earn (by identifying needs and wants)going to the
- [Following up our partners](https://aandbmake3.org/2009/12/08/following-up-our-partners/) - One training is not enough... very often participants to our Training the Trainers will first use what they have learned ... to better manage their own finance. Very often too, before reaching out their organisations' clients, they will first facilitate short training on financial education to their colleagues. To build their confidence, encourage them to
- [Reaching out migrant workers in Chinese factories](https://aandbmake3.org/2009/12/07/reaching-out-migrant-workers-in-chinese-factories/) - Mothercare's Responsible Sourcing team commissioned a+b=3 to run a pilot training for the migrant workers employed by some of their factories in Guangzhou area. An exciting and innovative project which shows this employer’s involvement in their employees beyond the mere distribution of a salary. The aim of this training is to help these workers better
- [Cambodia: empowering trainers](https://aandbmake3.org/2009/12/13/cambodia-empowering-trainers/) - One of our main goals is to encourage NGOs staff to implement financial education and help their clients improve their money management skills. Since last March Training the Trainers in Phnom Penh, Enfants du Mekong teachers and social workers have trained their clients several times: the Enfants du Mekong Centre's students in Phnom Penh but
- [Good Habits with Money - US version](https://aandbmake3.org/2010/01/13/good-habits-with-money-us-version/) - I was invited two Fridays in a row by SHAPE, Eden Prairie (MN), a not-for-profit organisation providing free English lessons to migrants, to facilitate a 30 minute workshop on money management. I chose basic topics such as controlling spending, a challenge in the USA where consumers are constantly prompted to buy and there is such
- [Training the Trainers - level 2 (Phnom Penh)](https://aandbmake3.org/2011/02/19/training-the-trainers-level-2-phnom-penh/) - On February 25 and 28, we ran our second level Training the Trainers: "learn to teach money management - making an impact". This second level is open to trainers who have attended a previous training the trainers on financial education and have already implemented financial education programmes with their clients. It was hosted by the
- [Students' workshops in Phnom Penh](https://aandbmake3.org/2011/02/28/students-workshops-in-phnom-penh/) - The French charity, Enfants du Mekong, invited a+b=3 to run several workshops about money management and business in their Centre in Phnom Penh. Enfants du Mekong and a+b=3 have been regularly working together since 2007 on raising financial literacy in Cambodia and also ran a pilot workshop in the Philippines.Two workshops on how to manage
- [Training the Trainers - level 1 - Phnom Penh - Day 1](https://aandbmake3.org/2011/03/02/training-the-trainers-level-1-phnom-penh-day-1/) - Twelve trainers from seven different organisations participated to our first level "Training the Trainers - Learn how to teach money matters". The training took place at Cambodian Youth Federation in Phnom Penh from March 1 to 4.On the first day, trainers learned what financial education is about, what makes it so specific to teach, and
- [Training the Trainers - level 1 - Phnom Penh - Day 2](https://aandbmake3.org/2011/03/03/training-the-trainers-level-1-phnom-penh-day-2-2/) - Today trainers discovered a+b=3 financial education curriculum, learned how to identify their clients' specific training needs and prepared the practice session. Tomorrow, they will be the trainers! Participants also learned about managing expenses, how debt works and how to get out of debt.
- [Training the Trainers - level 1 - Phnom Penh - Day 3](https://aandbmake3.org/2011/03/04/training-the-trainers-level-1-phnom-penh-day-3/) - Today, the participants practised training. In pairs, they adapted and facilitated an activity from one of the five main topics of a+b=3's curriculum: controlling expenses, managing debts, increasing income, saving and planning.
- [Training the Trainers - Level 1 - Phnom Penh - Day 4](https://aandbmake3.org/2011/03/05/training-the-trainers-level-1-phnom-penh-day-4/) - Time to wrap up, go through a few more financial knowledge points (especially on budgeting, saving) and above all discuss and write implementation plans to transfer the trainers' new practical knowledge to their organisations' low income clients. We finished with photos... and a joyful barbecue! A special thanks to Chhunny for co-facilitating in Khmer and
- [Financial education in the factories](https://aandbmake3.org/2011/05/09/financial-education-in-the-factories/) - In February, we trained three new trainers at Mothercare, a well known British company, whose social responsibility department is willing to make a difference in their workers' daily lives by introducing financial education workshops in their factories in China.Mothercare trainers have since then ran several pilot training in factories in Guangzhou and Shanghai areas.
- [Presentation on Financial Education - Phnom Penh](https://aandbmake3.org/2011/03/06/presentation-on-financial-education-phnom-penh/) - On March 5th, Sophie and Chhunny introduced what financial literacy is and how to improve it to around 20 NGO workers, students and teachers in Phnom Penh.
- [Mothercare: A socially responsible employer](https://aandbmake3.org/2011/03/10/mothercare-a-socially-responsible-employer/) - Mothercare, the British group specialised in children and parenting products and services, commissioned a+b=3 to run a pilot training on financial literacy for a group of factory workers to prepare for a longer term project aiming to support workers to better manage their income and improve their lives. Mothercare strongly emphasises responsible sourcing through its Responsible Sourcing Code, based on the ETI (Ethical
- [Enfants du Mekong - Family Programmes](https://aandbmake3.org/2011/06/26/enfants-du-mekong-family-programmes/) - The Enfants du Mekong social workers conducted a fourth training but the level was a bit too difficult for the participants.
- [Students' workshops - Phnom Penh](https://aandbmake3.org/2011/10/09/students-workshops-phnom-penh/) - The new university year is just starting in Cambodia. After several years of cooperation with Enfants du Mekong, we have created a curriculum over the 3 or 4 years that students are sponsored by Enfants du Mekong. Objectives: (1) maximise the impact of the FE programme so that graduated students have all the necessary tools
- [Enfants du Mekong students - Year 4 workshop](https://aandbmake3.org/2011/10/09/enfants-du-mekong-students-year-4-workshop/) - These students never had any course on money as EdM started implementing the FE curriculum in 2009 for the year 1 only. So we had to adapt today's workshop, especially introduce a few basics like needs and wants, available income and budget that will not be part of the final year 4 workshop while the
- [Training the Trainers - level 1 - Day 1](https://aandbmake3.org/2011/10/10/training-the-trainers-level-1-day-1/) - 14 trainers from 6 different NGOs are attending our level 1 training the trainers this week. We defined financial education, why it is important, what to teach according to the clients these NGOs target, and how to teach it!
- [Training the Trainers level 1 - Day 2](https://aandbmake3.org/2011/10/11/training-the-trainers-level-1-day-2/) - We went through what is specific (and challenging!) about financial education and how to assess needs. We tested a few games... including the always successful wise/not wise shopper and the shopping game, which showed the difference between knowledge and behaviour applied to spending. reviewing day 1 money... culture and valueswise shopper gameapplying good pieces of advise (or
- [Training the Trainers level 1 - Day 3](https://aandbmake3.org/2011/10/12/training-the-trainers-level-1-day-3-2/) - Practice session today! Participants practised training on debts, expenses, income, saving and budgeting.preparing the practice sessionlearning how to give feedback each group practicesneeds and wantsmanaging expensesconsequences of debtenergiser after lunchgood and bad debts generating incomechallenges to savings budgeting
- [Training the Trainers level 1 - Day 4](https://aandbmake3.org/2011/10/13/training-the-trainers-level-1-day-4/) - The last day is always very full: we go through any key technical content which has not been fully either understood or seen (today we reviewed the so-called notion of "good" and "bad" debts, compound interest, budget calculation and how to get out of debt). Participants identify ways to address "training challenges" such as time
- [Sao Sary Foundation](https://aandbmake3.org/2011/10/14/sao-sary-foundation/) - Today, I visited Sao Sary Foundation - whose education officer attended our level 1 Training the Trainers last March. They are based in Kompong Speu Province (50 km South of Phnom Penh) and help children who are victims of abuse or trafficking. In many cases, the extreme poverty linked to drinking triggers violence within the families. Many children
- [Year 1 Students - Enfants du Mekong](https://aandbmake3.org/2011/10/15/year-1-students-enfants-du-mekong/) - This weekend, Enfants du Mekong Year 1 students who have just arrived in Phnom Penh are attending a 4-hour workshop on money and opening their first bank accounts. The first group attended the workshop this morning. The purpose of this very first workshop is to equip students with the basics of money management by going
- [Year 1 second group -Enfants du Mekong](https://aandbmake3.org/2011/10/16/year-1-second-group-enfants-du-mekong/) - Same training as yesterday with the second group of year 1 students (Enfants du Mekong). A few snapshots:steps to get a job generating income ideasshopping game! analysing needs and wantscalculating available incomebudgeting:... it is a real challenge to think ahead
- [Training the Trainers level 2 - Day 1](https://aandbmake3.org/2011/10/18/training-the-trainers-level-2-day-1/) - After learning the basics of financial literacy and how to train ther clients, and implementing their first training, participants can attend a second level training to strengthen their financial knowledge and how to build an effective long term programme and make an impact.From getting a dinner organised... ...to getting financially organised.Making own organising gamebehaviour change net worth
- [Training the Trainers level 2 - Day 2](https://aandbmake3.org/2011/10/19/training-the-trainers-level-2-day-2/) - Our ToT level 2, like our ToT 1, aims at improving trainers' own financial literacy, making them discover and practise participatory training techniques and discussing ways to get financial literacy to their clients in an efficient way. budgeting to get out of debt Building a step by step programme matching skills and trainers - what makes a good
- [2012](https://aandbmake3.org/2012/01/04/2012/) - Happy New Year! Best wishes of (financial) health, (financial) happiness, (financial) harmony,(financial) peace and overall prosperity!a+b=3
- [Passerelles Numeriques -students training](https://aandbmake3.org/2012/03/26/passerelles-numeriques-students-training/) - Since Maneth, Passerelles Numeriques (http://passerellesnumeriques.org/en/) Phnom Penh's Assistant Training Manager, attended our Training the Trainers workshop level 1 last October, he has organised several workshops about money management with his students. A much needed topic as they start managing their own allowance.Maneth comments: "I can note that students have learned a lot. I also note that
- [Follow up training with Year 1 students](https://aandbmake3.org/2012/04/10/follow-up-training-with-year-1-students/) - On March 18 and 24, the Enfants du Mekong Phnom Penh team trained 40 Year 1 students. This training is only one part in the 3 year Financial Education Programme that Enfants du Mekong Phnom Penh has started rolling out.Because the main part of money management is... taking new habits and changing behaviour, it takes
- [Happy Khmer New Year](https://aandbmake3.org/2012/04/12/happy-khmer-new-year/) - បុណ្យចូលឆ្នាំថ្មី Soursdey Tchnam Thmey! Best wishes of happiness, health and harmonious prosperity for the New Year from a+b=3! Meilleurs vœux de bonheur, santé et prospérité harmonieuse pour la Nouvelle Année d’a et b font 3!
- [Review and follow up- Year 2 students](https://aandbmake3.org/2012/05/27/review-and-follow-up-year-2-students/) - The Enfants du Mekong team facilitated the review training for Year 2 students these last two weekends. This is the 4th part of the students' financial education programme (out of 5).Students reviewed tips and tools on managing money. Based on a comic strip, a group of students acted a dialogue about managing money. The review then
- [Training the Trainers level 1 - Phnom Penh](https://aandbmake3.org/2012/06/04/training-the-trainers-level-1-phnom-penh/) - Day 1 of Training the Trainers level 1: discovering what financial education is about!on our way to lunchtraining skills: making paper boats!
- [Training the Trainers level 1 Phnom Penh - day 2](https://aandbmake3.org/2012/06/05/training-the-trainers-level-1-phnom-penh-day-2/) - Review of day 1Money and its cultural contentthe shopping game- popular, as ever!project planning: financial education programme step by stepProductive and unproductive debtsbudgeting for a projectcalculating interest... can be fun!!compound interest...needs assessment
- [Training the Trainers level 1 - Day 3](https://aandbmake3.org/2012/06/06/training-the-trainers-level-1-day-3/) - Reviewing Days 1 and 2Getting out of debtmorning breakPractice sessionSaving for goals
- [Year 4 youth training in Enfants du Mekong Centre (Phnom Penh)](https://aandbmake3.org/2012/06/06/year-4-youth-training-in-enfants-du-mekong-centre-phnom-penh/) - This is the last training of a series of 5, starting in year 1, which helps students manage their money. The first part of this last training focuses on decision taking and how to respond to family's money requests.choosing... at the restaurantchoosing... for a big life eventdecisions where ethics plays a role
- [Day 4  - Training the Trainers level 1](https://aandbmake3.org/2012/06/07/day-4-training-the-trainers-level-1/) - key learnings from the practice sessionmore practice!addressing training challengesbudget gamelast game: managing our money, step by stepWell done, June 2012 team!!
- [Training for youth in Sisophon](https://aandbmake3.org/2012/06/10/training-for-youth-in-sisophon/) - The topic was: money is limited! And through a story, students analysed the consequences of not managing money and how to use simple money tools (note down, plan, prioritise...) to better manage money. Writing a budget remains a challenging exercise whatever the age.Chanry co-facilitating
- [Training the Trainers- Sisophon](https://aandbmake3.org/2012/06/11/training-the-trainers-sisophon/) - Short training the trainers at Enfants du Mekong Sisophon centre; we focused on the key money management tools. how to apply them in our lives and how to transfer these knowledge and skills to others.Analysing the consequences of not managing money
- [Presentation on Financial Literacy - Siem Reap](https://aandbmake3.org/2012/06/11/presentation-on-financial-literacy-siem-reap/) - 90 minute presentation held at the Victoria Angkor Hotel, who generously offered a room.
- [Training the Trainers - level 2 Siem Reap](https://aandbmake3.org/2012/06/12/training-the-trainers-level-2-siem-reap/) - The aim of the level 2 training is to assess what participants have implemented from level 1 (either to better manage their own money and to train their target clients) and address the main challenges of financial education, especially behaviour changes.introduction organising step by stepskits on communication and money
- [Training the Trainers level 2 - Siem Reap (day 2)](https://aandbmake3.org/2012/06/13/training-the-trainers-level-2-siem-reap-day-2/) - matching learners/trainerspractice session: getting out of debtcash flow calculationsocial workers meeting family
- [Year 4 training - Enfants du Mekong - Phnom Penh](https://aandbmake3.org/2012/06/14/year-4-training-enfants-du-mekong-phnom-penh/) - Second part of the training for year 4 students at the Centre Merieux of Enfants du Mekong.preparing a skit on "money and friends"playing the skitthe spectators enjoy the show!how to manage family's money requestsgetting organised: the morning routinegetting organised 2: weddingwedding budget
- [Training the Trainers- Mothercare- Shanghai](https://aandbmake3.org/2012/06/19/training-the-trainers-mothercare-shanghai/) - 2 days to train Mothercare CSR team to train the Financial Literacy training designed for their factory workers.
- [Entrepreneurs du Monde](https://aandbmake3.org/2012/08/09/entrepreneurs-du-monde/) - Entrepreneurs du Monde (whose socio – economic services manager for Asia attended our level 1 and level 2 training the trainers this year) organised a training for microcredit organisation Chamroeun's trainers and staff on August 2nd. The participants especially enjoyed the participatory games around money management and now feel more enthusiastic to train their clients.Budgeting
- [Facilitation skills](https://aandbmake3.org/2012/09/22/facilitation-skills/) - Entrepreneurs du Monde organised a second training session with Chamroen (Cambodian Microfinance Institution)'s training officers; this time, the focus was not on the content but on facilitation skills: how to facilitate a financial education training. Spending Training Tools Budgeting Training material
- [Financial education workshop in Calcutta](https://aandbmake3.org/2012/10/23/financial-education-workshop-in-calcutta/) - Phuong, Entrepreneurs du Monde's socio – economic services manager for Asia who attended our level 1 and level 2 training the trainers last June, organised a training the trainers with NCRC, Entrepreneur du Monde's Indian partner in Calcutta (India), mostly using a+b=3's material and techniques. The games and interactive methods were very well received. Participants found
- [Enfants du Mekong - students' review](https://aandbmake3.org/2013/04/02/enfants-du-mekong-students-review/) - As financial literacy is mostly about behaviour and habits, not just techniques, one training workshop is not enough. Last weekend, Enfants du Mekong Year 2 students attended their 4th workshop and reviewed how to track expenses, control expenses and plan ahead.playing a skit on saving and managing expensesremembering what they learned in Octobersharing tips on
- [Personal Finance workshop for international students studying in the US](https://aandbmake3.org/2013/05/04/personal-finance-workshop-for-international-students-studying-in-the-us/) - Yesterday, we ran a pilot workshop at Humphrey College (U of M). Target group: international students who come and study in the US for one or several years. Challenges are many: from understanding a new and different financial system with its specific vocabulary and challenges (especially credit cards offers), to living on a tight budget,
- [Setting up my business](https://aandbmake3.org/2013/06/09/setting-up-my-business/) - Today, Becky (Enrich) and Sophie (a+b=3) ran a revamped version of "Setting up my business" for Migrant Workers in Hong Kong for our partner Enrich, at the Wanchai mosque. Many Migrant Workers consider starting a business once home, as employment opportunities are scarce.Identifying at which "business stage" participants are (some have a business back home already, others
- [Video on financial literacy](https://aandbmake3.org/2013/06/17/video-on-financial-literacy/) - Today, Connected Schools and a+b=3 launched a series of 10 videos on financial literacy. They can be used by NGOs as resources for their trainers and staff. Five of them are on personal finance, one on bookkeeping and four on how to set up a business.
- [Follow up training for trainers - Enfants du Mekong Sisophon](https://aandbmake3.org/2013/06/21/follow-up-training-for-trainers-enfants-du-mekong-sisophon/) - Identifying what we have applied from previous workshops and what we would like to change in the way we manage money.finding colleagues who implemented the same thingsidentifying what prevents us from improving how we manage money.saving for retirement gamean unusual participantmmm reaching the age of 60, how can we live without income?case analysisChinese proverbs about
- [University Students - Enfants du Mekong Sisophon](https://aandbmake3.org/2013/06/22/university-students-enfants-du-mekong-sisophon/) - One day follow up training for university students in Sisophon (Cambodia):choosing why money mattersAnalysing a story where the character ends up in debtcalculating a budgetstudents explain how to write a budget...... and the daily spending limitadvice on spending wiselyManeth (Khmer co-facilitator) explaining somethingbusiness caseethics cases
- [High school students - Enfants du Mekong Sisophon](https://aandbmake3.org/2013/06/23/high-school-students-enfants-du-mekong-sisophon-3/) - We ran the same training as yesterday with high school students.Why money mattersStory case: what happens when we don't manage moneyWriting a budgetstudents explain their budgetsexpense menu: how we choose and prioritiseprioritising expensesgood pieces of advice on shoppinggreat T-shirt for a money course!business caseplaying skits on ethical issuesJune 2013 class :)
- [Training the Trainers - Siem Reap - Day 1](https://aandbmake3.org/2013/06/24/training-the-trainers-siem-reap-day-1/) - Day 1: focus on how managing one's moneyintroductionchoosing learning goalconsequences of not managing moneybudget calculationprioritizing expensesdaily spending limitpieces of advice on spendingcontrolling "social" expenses
- [Training the Trainers - Siem Reap - Day 2](https://aandbmake3.org/2013/06/25/training-the-trainers-siem-reap-day-2/) - reviewing what we learned yesterdayneeds assessmentChinese proverbsParticipants' confidence "thermometer"Trying activities for low income clientsBack to popular demand: the shopping gameProductive/unproductive debtsBusiness caseWorkshop wrap upGroup photo
- [Budgeting workshop - Somali mothers](https://aandbmake3.org/2013/10/24/budgeting-workshop-somali-mothers/) - Tonight was the second session of our (bilingual) training workshop on budgeting and shopping for Somali mothers in Eden Prairie (MN). The first session was about choice and decision; the third session will be on financing college- a real challenge in the US for the Muslim community. The fourth will be on raising financially responsible
- [Personal Finance workshop for foreign students (Humphrey, MN)](https://aandbmake3.org/2013/09/06/personal-finance-workshop-for-foreign-students-humphrey-mn/) - Studying abroad is always a challenge... especially financially: opening a bank account, understanding different banking and shopping habits, living on a tight budget... but still enjoying a social life... and getting ready to pay back a student loan.reading financial ads and documents matching US specific financial vocabulary: discovering credit rating and other US specificities. "Why don't
- [Citi- Financial Times financial education conference - Hong Kong 4-5 December](https://aandbmake3.org/2013/12/05/citi-financial-times-financial-education-conference-hong-kong-4-5-december/) - In the 2011 Citi-FT financial education conference in Jakarta, many presentations focused on how to use financial education as a marketing tool for banks and MFIs to reach more customers; this year, the focus is shifting and at several panel sessions panelists said that banks have to be closer to their customers, stop being in conflict with them
- [Investment training for Enrich](https://aandbmake3.org/2013/12/08/investment-training-for-enrich/) - Sophie and Ana (Enrich) piloted a new training workshop on investments for Migrant workers for Enrich this Sunday at TCK Learning Centre in Hong Kong.
- [Training the Trainers - Microbusiness day 1](https://aandbmake3.org/2013/12/10/training-the-trainers-microbusiness-day-1/) - First day of our brand new training the trainers on microbusiness - co-organised with VBNK, our partner in Cambodia:business game identifying clients' needs simple profit calculation gift game analyzing what to do to start a business
- [Training the Trainers - Microbusiness day 2](https://aandbmake3.org/2013/12/11/training-the-trainers-microbusiness-day-2/) - In the morning we focused on how to start a new business and in the afternoon prepared the practice sessions - the best way to improve training skills and identify what to improve!steps to start a business adding value game setting prices breakeven calculation financing a new business preparing practice sessions... lots of colourful sessions!
- [Training the Trainers - Financial Literacy Day 3](https://aandbmake3.org/2013/12/18/training-the-trainers-financial-literacy-day-3-2/) - Highlights of Day 3: practise sessions and going further on ethics, communication and wealth definition.review cubes Practise sessions: Productive/destructive debts ethical cases real emergencies vs. lack of planning preparing family follow up session practicing follow up sessions Defining wealth...
- [Training the Trainers -  Financial Literacy Day 2](https://aandbmake3.org/2013/12/17/training-the-trainers-financial-literacy-day-2-2/) - Today we focused on the content of a training programme for low income clients: objectives and examples of training sessions for low literate people.Review of day 1Matching families' current and target situations and possible financial education programme objectives Example of story and expense prioritizationThe delivery man game: why planning makes us more efficient!the shopping game measuring the impact
- [Training the Trainers - Financial Literacy Day 1](https://aandbmake3.org/2013/12/16/training-the-trainers-financial-literacy-day-1-2/) - 17 participants from 11 organisations are joining our 3-day Training the Trainers on financial literacy this week in Phnom Penh. This training is co-organized with our partner VBNK.Focus of this first day: brushing up trainers' knowledge in personal finance and analyzing their clients' needs in order to build an efficient programme to address their specific issues.money
- [Training the Trainers - Microbusiness day 3](https://aandbmake3.org/2013/12/12/training-the-trainers-microbusiness-day-3/) - Today, participants practiced facilitating the session they created. We then went through topics around business: keeping enough money for daily lives while one's business may not be profitable yet, what to do when a business makes losses, how to involve the family, business ethics and community impact. Finally, trainers drafted their action plan. Keeping enough cash
- [Les Soieries du Mekong](https://aandbmake3.org/2013/12/20/les-soieries-du-mekong/) - Les Soieries du Mekong is a social enterprise based in Banteay Chhmar, Banteay Mancheay Province (Cambodia), who has re-launched the production of high quality hand-made silk weaving, which helps support many families in the village. Since 2007, Soieiries has introduced a+b=3's financial education programmes to help silk weavers make the most of their income.
- [Soieries du Mekong - Training silkweavers on basic money skills](https://aandbmake3.org/2013/12/20/soieries-du-mekong-training-silkweavers-on-basic-money-skills/) - Soiries du Mekong organised a 2 hour training with 15 silk weavers in Banteay Chhmar (Banteay Manchey, Cambodia) which was filmed by two journalists of RFI (Radio France Internationale). It was very moving to be back to the same training room as the first time we ran a training in Cambodia in March 2007... one
- [Social impact](https://aandbmake3.org/2013/12/20/social-impact/) - The RFI journalists interviewed a Soieries du Mekong silk weaver who attended our financial education training in 2007. Thanks to the training, she explained that she learned how to save and managed to have her house built and buy a motorbike. Back in 2007: the first training that she attended:
- [Students' course - at FLOW](https://aandbmake3.org/2014/01/03/students-course-at-flow/) - In December, Maneth facilitated our first course of Money Starters "Managing matters" to 40 high school students at FLOW. The main objective of this first course is to let students experience what happens when we don't manage money... and accordingly why managing money matters!
- [Training the Trainers - ICS - Day 1 (Kakamega, Kenya)](https://aandbmake3.org/2014/01/13/training-the-trainers-ics-day-1-kakamega-kenya/) - ICS asked for a+b=3's support to create a family budgeting module which will be part of their overall parenting skills programme. A great way to put budgeting in context.This week, we are training ICS Africa and Cambodia staff and some of their partners from Kenya and Tanzania to facilitate this new programme and we will
- [Training the Trainers - ICS - Day 2 (Kakamega, Kenya)](https://aandbmake3.org/2014/01/14/training-the-trainers-ics-day-2-kakamega-kenya/) - Second day of our Training the Trainers: today we started discovering the family budgeting module. preparing review sessionreview session introducing the family budgeting module structurechoosing our goalswhat prevents us from achieving our goals analysing how this family could better manage money useful/not useful expensesmodule 2 on debtmanaging debt levelpractical tips to control expenses
- [Training the Trainers - ICS - Day 5 (Kakamega, Kenya)](https://aandbmake3.org/2014/01/17/training-the-trainers-ics-day-5-kakamega-kenya/) - Today (and last day's) objective was to discuss the improvements to the family budgeting programme in order for ICS and its partners to roll it out.do's and don'ts of FEbudgetingemergency!working sessionsdelivery man gameChinese proverbs about money and learningcertificatesthank you dance from ICS and partners' teambeautiful presents to the foreign guests, Pheak (ICS Cambodia) and Sophie
- [ICS Family Budgeting - pilot in rural community](https://aandbmake3.org/2014/01/16/ics-family-budgeting-pilot-in-rural-community/) - Today, we were off to the field: we started by visiting ICS office in Kakamega then headed to a village at around 45 minutes drive from Kakamega to test the first module of the family budgeting programme with a group of 22 farmers.the TOT participants in ICS officeChristine (ICS Africa) and Sophie (a+b=3)The farmers who
- [Training the Trainers - ICS - Day 3 (Kakamega, Kenya)](https://aandbmake3.org/2014/01/15/training-the-trainers-ics-day-3-kakamega-kenya/) - Today's focus was on practising to facilitate the family budgeting programme.assessing trainers' readiness to manage their own money preparing the training sessions facilitating module 3Tanzanian energiser module 4Khmer energiser rehearsing tomorrow's pilot
- [Pilot Training - Habitat](https://aandbmake3.org/2014/01/28/pilot-training-habitat/) - In December, VBNK trainer and Habitat for Humanity ran a pilot training on the programme we developed for Habitat:
- [FLOW Students training - part 2](https://aandbmake3.org/2014/01/28/flow-students-training-part-2/) - This Sunday, Maneth ran the second part of our programme for youth. It started with a review on what students learned and applied from session 1; then they "shopped" and learned about controlling expenses.Props are all ready and tidy! Review from session 1 shopping game
- [អនុសាសន៍​មួយចំនួន​របស់​​ a+b=3 ​ក្នុងការរៀបទុក​ដាច់​ថវិការ​៖​](https://aandbmake3.org/2014/03/10/អនុសាសន៍មួយចំនួនរបស់/) - រៀនអំពីមូលដ្ឋានគ្រឺះ ថវិការ តែង​តែត្រូវ​បាន​ចំនាយ​​…​មានការពួ្រយបារម្ភច្រើនអំពីការចាយវាយ អ្នកមិនដែលបានរៀបចំទុកដាក់ថវិការ​សំរាប់គម្រោងក្នុង​រយៈ​​ពេលយូរអង្វែង​? អ្នកមិនមានសញ្ញាពីការចួលនិវត្តន៏? អ្នកជាម្ចាស់អាជីវកម្ម​ ប៉ុន្តែថវិការ​មិនមែនជារបស់ អ្នក? រៀនពីផ្ទះរបស់អ្នក ចូលរួមវគ្គបណ្ដុះបណ្ដាលរបស់យើងតាមរយៈ​ប្រព័ន្ធ​ Internet ! អនុសាសន៍​មួយចំនួន​របស់​​ a+b=3 ​ក្នុងការរៀបទុក​ដាច់​ថវិការ​៖​ មានការលើកទឹកចិត្ត! ពេលណាដែលមិនបាន​រៀបចំលុយកាក់ អ្នកជាមនុស្សទីមួយដែលមានបញ្ហា សង់ប្រាក់បំណុល សរសេរគោលដៅរបស់អ្នក តើចំនួនប៉ុន្មានដែលអ្នកចង់សន្សំសំរាប់គោលដៅនោះ​! កត់ត្រា​រាល់​​ ចំណូល​ចំណាយ​​របស់អ្នក​ បញ្ជក់អំពី “ការខ្ជះខ្ជាយ​” ! មានគម្រោងការទុកមុនជានិច្ច សរសេរគម្រោងថវិការ! ដាក់អាទិភាព អ្វីដែលសំខាន់ជាងគេ ប្រើប្រាស់ស្រោមសំបុត្រសំរាប់ការចំណាយប្រចាំថ្ងៃ៖ ដោយ​បំបែកថវិការ​ ទៅ​តាម​តម្រូវ​ការ​អទិភាព​ប្រចាំថ្ងៃ​ យកតាមខ្លួនតែលុយដែលអ្នកត្រូវការ ក្រៅពីនេះទុកក្នុងធនាគារ ប្រើប្រាស់ប្រតិទិនដើម្បីរៀបចំ រាល់​ការ​ចំណាយ​ និងបំណុល ​សំរាប់រយៈ​ពេល១២ខែ​! ប៉ានស្មានរាល់​ការចំណាយប្រចាំថ្ងៃដោយកំណត់៖ រក្សាទុកសំរាប់ការ ​ចំណាយ​ជា​ប្រចាំ​ខែ! សន្សំរាល់ពេលដែលអ្នករកបាន ទោះបីជាតិចក៏ដោយ ជារៀងរាល់ក៏ដោយ​ ដោយ​រក្សារ​ទុក​ក្នុង​គណនេយ្យ​ធនាគារ​ដាច់​ដោយឡែក​ពីគ្នា​​ តាមដានពាណិជ្ជកម្មរបស់អ្នក៖​ តើការលក់ខ្ពស់ជាងតំលៃកំណត់ដែរ ឬទេ?
- [អង្គការ​អប់រំផ្នែកហិរញ្ញវត្ថុ : ​ហេតុអ្វី ​និង​យ៉ាងដូចម្ដេច​ ?](https://aandbmake3.org/2014/03/10/អង្គការអប់រំផ្នែកហិរញ/) - គោលដៅអង្គការ​ ​របស់អ្នកគឺដើម្បីជួយអ្នកដែលមានប្រាក់ចំណួលតិច​​ អោយ​មាន​ភាព​​ប្រសើរ​​ឡើង​​ក្នុង​ជីវិត​​ តាម​​រយៈ​​ ការ​អប់រំ​សុខភាព​ កាត់បន្ថយ អំពើរហិង្សា​ បង្កើនប្រាក់ចំណូលនិង កម្មវិធីផ្សេងៗទៀត។​ អតិថជនរបស់អ្នកភាគច្រើនមានបញ្ហាពាក់ព័ន្ធនិងស្ថានការហិរញ្ញវត្ថុ: ពួកគេមានការប្រឈបមុខ និង​ បំណុល ម្ហូបអាហារឡើងថ្លៃ និងការចំណាយជាបន្ទាន់​ ពូកគេមិនអាចសន្សំបាន​ ហើយពួកគេមិនដឹងថាតើពួកគាត់មានលុយសំរាប់​ទិញអាហារថ្ងៃស្អែក សប្ដាហ៍​ក្រោយ ឬ​ បញ្ជូនកូនៗទៅសាលា​​ ឬក៏​ គម្រោងការរយៈ​ពេលយូរ​អង្វែង​ ដូចជាចាប់ផ្ដើម ពាណិជ្ជកម្ម ឬក៏​​ទិញផ្ទះ។​ បញ្ហាលុយកាក់ធ្វើអោយពូកគាត់ខ្វល់ខ្វាយ ឈ្លោះទាស់ទែងគ្នារហូតដល់ចង់លែងលះគ្នា។​ តើអ្នកធ្វើយ៉ាងណាដើម្បី​អោយ​របស់អ្នកមានផលប៉ះ​ពាល់​រយៈ​ពេលយូរ​?​ ដោយដាក់បញ្ជូលការអប់រំផ្នែកហិរញ្ញវត្ថុនៅក្នុងកម្មវិធី​ របស់អ្នក។​ ដំណាក់​កាលគម្រោងចម្បង​៖ (​គូសលើដំណាក់កាលនិមួយ សម្រាប់​ធនធានមន្ថែម តើ a+b=3 អាចជួយអ្នកដូចម្ដេច? បង្រៀនក្រុមការងារសង្គមរបស់អ្នក/ អ្នកបង្វិក/ មន្ត្រីកម្មវិធី ផ្ដល់​កម្មវិធី​​ ​អប់រំផ្តោត​លើ​​ផ្នែក​ហិរញ្ញវត្ថុ ១)​​​ បង្រៀនក្រុមការងារសង្គមរបស់អ្នក/ អ្នកបង្វិក/ មន្ត្រីកម្មវិធី កម្មវិធីបង្កើនសមត្ថភាពរបស់ពួកយើងមាន​ដូច​ជា​៖​ ហេតុអ្វីបានប្រើរបៀប មួយជំហ៊ានម្ដង មួយជំហ៊ានម្ដង? ការរៀបចំលុយកាក់មានការពាក់ព័ន្ធជាច្រើនជាមួយអត្តចរិត​ ​និចំណាយ​ពេល​វេលា​ដើម្បី​កែប្រែ​ទំលាប់។ បុគ្គលិកអង្គការ គឺ​​ជាតួអង្គ​ដ៏សំខាន់ក្នុងការលើកទឹកចិត្តអតិថិជន របស់​ពួក​គេ​​។​ ពួកគេត្រូវការ​រៀនដោយ​ខ្លួនឯងជា​មុន​សិន​
- [Family Budgeting pilot - ICS](https://aandbmake3.org/2014/03/31/family-budgeting-pilot-ics/) - In February and March, ICS started rolling out the Family Budgeting programme by running a pilot in two rural communities and training community-based organisation workers.
- [Students and Parents training - Hong Kong](https://aandbmake3.org/2014/04/18/students-and-parents-training-hong-kong/) - This weekend, we ran a basics financial literacy programme for IKTMC students and their parents. Parents have a crucial role to play in their children's financial education.BudgetingDay 2 reviewSpending tipsParents' workshop
- [Training the Trainers - Enrich](https://aandbmake3.org/2014/04/21/training-the-trainers-enrich/) - Training the Trainers for our Hong Kong partner Enrich: third version of our former "Good Habits with Money" - www.enrichhk.org
- [Training the Trainers - Financial Literacy - Day 1 (Cebu, Philippines)](https://aandbmake3.org/2014/04/23/training-the-trainers-financial-literacy-day-1-cebu-philippines/) - Today was the first day of our Training the Trainers on financial literacy, for NGO workers working with youth. It is co-organized by Enfants du Mekong, Philippines.Solving a case: what happens when we don't manage money.BudgetingShopping is as fun as everwho spent most?who said money was boring? shopping tipsethics and moneygetting organized: building a finance routineDefining
- [Pilot training for migrant workers - Enrich](https://aandbmake3.org/2014/04/20/pilot-training-for-migrant-workers-enrich/) - Ana and Betty (Enrich, www.enrichhk.org) facilitated with me a new version of "Money Wise Migrants", a basic financial literacy training for migrant workers in Hong Kong. Kindly organised and hosted by the Islamic Union of Hong Kong.choosing one goalwhat prevents us from achieving goals?case study BudgetingTips to control spending
- [Training the Trainers - Financial Literacy - Cebu day 2](https://aandbmake3.org/2014/04/24/training-the-trainers-financial-literacy-cebu-day-2/) - Reviewing day 1 key messagesPreparing practice sessionsthe garden at the St John training centretea breakpractice sessionsbudgetAdd captionAdd captionanother colourful budget ro le playsgetting organised
- [Business Training - Students Catarman - day 2](https://aandbmake3.org/2014/04/27/business-training-students-catarman-day-2/) - Reviewing what we learned through a posterSetting pricesanalysing costscalculating profitbreakevencash is not profitAte Shao explaining cash flownegotiating a loanday 2 wrap upAdd captionEnfants du Mekong gardento conclude the day after so many business cases with eggs and chickens: Chicken Run! Good example of planning, getting organised, team work, creativity and adding value
- [Business Training - Enfants du Mekong Programme in Catarman (Northern Samar, Philippines) - day 1](https://aandbmake3.org/2014/04/26/business-training-enfants-du-mekong-programme-in-catarman-northern-samar-philippines-day-1/) - Why we want to start a businessAnalysing Joseph's storyfinding ideas and marketsadding valuebusiness stepsmapping a business
- [Training the Trainers - Financial Literacy for youth - Cebu (Philippines) Day 3](https://aandbmake3.org/2014/04/25/training-the-trainers-financial-literacy-for-youth-cebu-philippines-day-3/) - Identifying target group's training needs Today we went through Year 4's students programme: how to manage a first salary.Analysing how we choose Choosing a place to livemanaging family's money requestsplanning energizer: the delivery (wo)manGetting organized and prioritisingControlling debtTrying hard to reduce garbage and cut down on plastic refuseManaging and preventing risksImpact of our financial decisions on others
- [Business Training the Trainers - Social Entreprise Teuk Saat 1001 - day 2](https://aandbmake3.org/2014/05/08/business-training-the-trainers-social-entreprise-teuk-saat-1001-day-2/) - introduction to analyzing financial numbersfixed and variable costsbreakevenwrap up: entrepreneur's financial check-listreviewing training sessions
- [Salabai](https://aandbmake3.org/2014/05/01/salabai/) - Managing expenses is not about cutting expenses... but making money flow to water and make the world blossom around you.I am happily staying at Salabai, Siem Reap, in between two training. Salabai is a vocational school - hotel training students from very low income families to hotel and restaurant jobs. Since 2008, they include money
- [Business Training the Trainers - Social Entreprise Teuk Saat 1001 - day 1](https://aandbmake3.org/2014/05/07/business-training-the-trainers-social-entreprise-teuk-saat-1001-day-1/) - "Teuk Saat 1001 (1001 Fontaines) that works to improve the long-term health of poor and isolated communities in developing countries, using a social enterprise model which enables them to produce their own, safe drinking water." Training entrepreneurs on key business notions is a key component of how 1001 Fontaines empower them and impact their communities:Motivation
- [Enfants du Mekong Catarman -  Students Business Training - Day 3](https://aandbmake3.org/2014/04/28/enfants-du-mekong-catarman-students-business-training-day-3/) - Reviewing financial key concepts learned in day 2Writing a business plan...... is fun! Presenting our business plan is fun too!Business plan financials Bookkeeping Case analysisManaging family and businessEthical cases15 happy graduates and Ate Shao, our wonderful co-facilitator!
- [Impactt 2014 Conference](https://aandbmake3.org/2014/05/22/impactt-2014-conference/) - The topic of this year's conference was "restarting ethical trade" and workers were at the core of discussions.http://www.impacttlimited.com/conference-and-seminars/conference-2014a+b=3 participated through a postcard encouraging companies to include financial literacy to their workers' development plan. Providing a salary is not enough... giving practical skills on how to manage this salary can make a significant impact on the
- [Business Training the Trainers - Social Entreprise Teuk Saat 1001 - day 3](https://aandbmake3.org/2014/05/09/business-training-the-trainers-social-entreprise-teuk-saat-1001-day-3/) - Today participants practiced training:morning energizer counting bottlesdemonstrating water lossO-WE, Teuk Saat 1001's brandentrepreneur's check listMr. Lo Chai the co-founder of Teuk Saat 1001 and 1001 Fontaines
- [Enfants du Mekong's students workshop in Battambang](https://aandbmake3.org/2014/07/08/enfants-du-mekongs-students-workshop-in-battambang/) - This Sunday, Maneth facilitated our one-day training for young adults to a group of 10 students sponsored by Enfants du Mekong in Battambang. They learned the basics (why it is important to manage money and how through planning and prioritising), but also reflected on how to support their families, ethics and what wealth means.IntroductionWhat happens
- [a+b=3 is recruiting](https://aandbmake3.org/2014/09/02/ab3-is-recruiting/) - Have you got training experience and a strong commitment to supporting disadvantaged communities? We are looking for a freelance Chinese speaking Facilitator. Please see job description.http://aandbmake3.com/documents/AandBmake3-TrainingConsultantJD.pdf
- [September Newsletter](https://aandbmake3.org/2014/09/12/september-newsletter/) - Are "needs" and "wants" still relevant? Find out in our latest newsletter.
- [Financial Literacy and wellbeing in the workplace - INNO Wellbeing Symposium](https://aandbmake3.org/2014/09/26/financial-literacy-and-wellbeing-in-the-workplace-inno-wellbeing-symposium/) - INNO invited a+b=3 to give a talk about financial literacy and factory workers on September 26th in Guangzhou (China PR). Soraya, a+b=3 Business Development Manager, presented key findings from our various programmes on how stress due to personal financial issues can negatively impact employees' focus and attitude in the workplace and how simple financial literacy
- [Introduction to Financial Literacy - France Volontaires, Quezon City (Philippines)](https://aandbmake3.org/2014/10/03/introduction-to-financial-literacy-france-volontaires-quezon-city-philippines/) - France Volontaires Philippines invited a+b=3 to run a demo workshop for French volunteers and NGO Filipino staff during their "volunteers day": Lenlen, Enrich (our Hong Kong partner)'s Executive Director, facilitated this 3-hour workshop twice in a row.Through the workshop, participants learned engaging ways to learn about money using pictures and stories. They thought over the
- [Sok Sabai: 3 videos documenting our impact](https://aandbmake3.org/2014/10/15/sok-sabai-3-videos-documenting-our-impact/) - Last December, Romain and Sybille, two French journalists of RFI (Radio France Internationale) selected five social enterprises making a difference in Cambodia: a+b=3 was honoured to be one of them!Romain and Sybille spent time in Banteay Chhmar enquiring about the situation of the silkweavers working for Soieries du Mekong, and how they manage the income they
- [Training the Trainers - Financial Literacy for vulnerable families - Day 1](https://aandbmake3.org/2014/11/19/training-the-trainers-financial-literacy-for-vulnerable-families-day-1/) - Today was the first day of our Training the Trainers: "how to help financially vulnerable families", co-facilitated with VBNK, our Cambodian partner.After the introduction, participants changed role and became community families and experienced our programme on basic financial skills such as planning for yearly expenses, the issues with debt, keeping track, prioritising and controlling expenses,
- [University Students workshop - Sisophon](https://aandbmake3.org/2014/11/17/university-students-workshop-sisophon/) - Today we ran Money Starters again with university students. Same topics: practical simple tools on managing money (tracking, planning ahead, budget, savings...), analysing how we choose... and how to move from choosing emotionally to making more rational choices and putting money in a wider context: money impacts relationship and money is not a goal... but
- [High school students workshop - Enfants du Mekong, Sisophon](https://aandbmake3.org/2014/11/16/high-school-students-workshop-enfants-du-mekong-sisophon/) - Today, we ran our one-day "Money Starters" workshop for Enfants du Mekong's Grade 12 students in Sisophon, Cambodia. The workshop focuses on simple money management tools, but also the psychology of spending, how to take better decisions and ethics.Choosing why money matters to us.Choosing is not easy!Sothea's case: what happens when we don't keep track
- [Training the Trainers - Financial Literacy for vulnerable families - Day 2](https://aandbmake3.org/2014/11/20/training-the-trainers-financial-literacy-for-vulnerable-families-day-2/) - Second day of our Training the Trainers on how to help financially vulnerable families. Today's focus was on building an effective programme and practising facilitating.Reviewing what we did yesterdayAnalyse how to change behaviour......step by step.Needs assessmentBrainstorming on training content - short and long term - focusing on one specific issue target groups face.Preparing the practise
- [Micro-business Training the Trainers - Day 1](https://aandbmake3.org/2014/11/26/micro-business-training-the-trainers-day-1/) - First day of our Training the Trainers on Micro-business in Phnom Penh. The focus today was to help existing self-employed people (often "entrepreneurs by default") better run their business in order to reduce debt and make a better living. This first day was structured around very basic and simple 10 key learning points such as
- [Training the Trainers - Financial Literacy - Giving Youth a head-start - Day 1](https://aandbmake3.org/2014/11/24/training-the-trainers-financial-literacy-giving-youth-a-head-start-day-1/) - Today was our first day of our training the trainers focusing on organisation supporting young adults and teenagers. Trainers experienced the training as youth did last weekend, getting some facilitators' insights on top.Choosing ... as hard for facilitators as it was for students on Sunday.Sothea's storyPrioritising expenses... brought lots of debates!Good and bad tips about
- [Training the Trainers - Financial Literacy for vulnerable families - Day 3](https://aandbmake3.org/2014/11/21/training-the-trainers-financial-literacy-for-vulnerable-families-day-3/) - Third and last day of our Training the Trainers: participants changed role again and experienced more training examples that they can use with communities and very low income families. Today, we focused on money management within the family including communication and how to take big decisions, and how money impacts other community members, including ethics.more
- [Day 3 - Training the Trainers - Microbusiness](https://aandbmake3.org/2014/11/28/day-3-training-the-trainers-microbusiness/) - This morning, participants practised facilitating. This afternoon, each organisation worked on its implementation plan and we kept learning about business, including ethics.quick evaluation of how participants felt so farPreparing practise sessionsPractising how to train - a very important part of the workshophow to implement a programmeworking on implementation planLearning further: analysing business issuesbusiness ethicsWell done,
- [Environment protection and financial literacy](https://aandbmake3.org/2014/12/09/environment-protection-and-financial-literacy/) - On Tuesday December 9th, CMA Testing hosted an ESG (Environment, Society and Governance) seminar, focusing on disclosure and implementation, and had a range of speakers to talk about strategies for how to write and compile a sustainability report, how to enrich content, tips on social innovation in social enterprises and social impact measurements. Soraya (a+b=3) did
- [Youth workshop on entrepreneurship in Cebu, Philippines](https://aandbmake3.org/2014/12/02/youth-workshop-on-entrepreneurship-in-cebu-philippines/) - On November 30th, Enfants du Mekong- Entrepreneurs, in Cebu (Philippines) ran a one day session on budget; this workshop is part of a three month programme aiming to empower vulnerable youth set up a social enterprise. Using the training examples available on a+b=3's online platform and adapting some to the Cebu context, the participants reflected
- [Day 2 - Micro-business Training the Trainers - Phnom Penh](https://aandbmake3.org/2014/11/27/day-2-micro-business-training-the-trainers-phnom-penh/) - After reviewing the key concepts learned yesterday, we focused on how to help clients start a new business from finding an idea to calculating its potential profitability.Reviewing yesterday's business concepts such as profit, cash, bookkeeping...and explaining themmaking giftsand offering themAnalysing a business storyand re-writing itBusiness mapAdded value gameSetting up selling pricesenergiser (thanks Raingsey!)Fixed and variable
- [a+b=3 shares its social entreprise experience](https://aandbmake3.org/2015/01/22/ab3-shares-its-social-entreprise-experience/) - Soraya, our Business Development Manager, was invited on January 11 in Guangzhou by FYSE (芳新) to share about a+b=3's social entreprise business model during a panel discussion aiming to help young women entrepreneurs learn more about social entreprise.
- [Grassroots pilot training in Hong Kong](https://aandbmake3.org/2015/01/29/grassroots-pilot-training-in-hong-kong/) - On January 21 and 28, a+b=3 conducted a pilot workshop for a Hong Kong based grassroots organisation supported by HERFund. Sanny and Myriam, through various stories and participatory activities, focused on building motivation to handle one's finances differently and go beyond the current misconception of "there is nothing I can do", managing an irregular income,
- [Youth workshop on entrepreneurship - part 2 (Philippines)](https://aandbmake3.org/2015/03/11/youth-workshop-on-entrepreneurship-part-2-philippines/) - Enfants du Mekong Entrepreneurs in Cebu, Philippines, ran another session for young entrepreneurs using a+b=3's training material early February. This time, they focused on bookkeeping and budgeting. Taking our simple example of chicken business, participants went through basic concepts such calculating a profit, how to track cash ins and outs and how to plan ahead.Another
- [Workshop for Hong Kong women](https://aandbmake3.org/2015/03/19/workshop-for-hong-kong-women/) - Following January's pilot, Sannie (a+b=3) ran a basic financial literacy workshop for JJJ/Her-Fund on March 12 and 19. The workshop helps women set a budget, explore how to control spending and plan for future expenses, where and why save.
- [Women's Resource Centre - Training the Trainers](https://aandbmake3.org/2015/03/25/womens-resource-centre-training-the-trainers/) - The Women's Resource Centre is a Siem-Reap based grassroots organisation assisting women in all aspects of life. In order to better help their clients, WRC asked a+b=3 to tailor-made their financial literacy programme including aspects such as communication, nutrition, self-confidence and healthy habits.On 24 and 25 March, Saorn (VBNK- our partner in Cambodia) ran the
- [Training the Trainers - Ranontsika (Madagascar)](https://aandbmake3.org/2015/05/21/training-the-trainers-ranontsika-madagascar/) - After interviewing entrepreneurs (the target recipients for this training programme), we designed the bookkeeping and cash box tools and an easy training workshop to explain them. This afternoon, we tested the first session with the two Ranontsika facilitators.Introduction cardsThe day in the life of a Ranontsika water- producer entrepreneur......and how it translates into cash movements
- [Needs assessment - field trip](https://aandbmake3.org/2015/05/20/needs-assessment-field-trip/) - Sophie is on a 8 day trip to Madagascar to help 1001 Fontaines' local partner Ranontsika to empower their grassroots entrepreneurs on book-keeping and business skills.We started this project with interviewing entrepreneurs.first water station visitedcurrent book keepingsecond water stationthird water station visited
- [Workshop for PHARE (2) Battambang, Cambodia](https://aandbmake3.org/2015/04/13/workshop-for-phare-2-battambang-cambodia/) - PHARE Performing Social Enterprise asked a+b=3 to run two workshops on money management for their staff, split in four groups. The first two groups were staff in their 20s/30s, while the two last groups were younger, most of them with variable income. The learning goals of the workshops were similar (why manage money, how debts
- [Workshop for PHARE - Siem Reap, Cambodia](https://aandbmake3.org/2015/04/09/workshop-for-phare-siem-reap-cambodia/) - On March 26 and April 8, PHARE Performing Social Entreprise in Siem Reap (Cambodia) hosted the first part of our basic Money Management programme for adults. The workshop was facilitated by Saorn, from VBNK, our Cambodian partner and funded by ANZ Royal. It was also attended by some staff from Salabai, who has included financial
- [Bethezer: training for Khmer students](https://aandbmake3.org/2015/04/09/bethezer-training-for-khmer-students/) - Saruom (Bethezer) ran a financial literacy workshop for 35 students in February in Phnom Penh. She used a+b=3 Money Starters programme for young adults. Here is her comment about it: " I did 1 day course training material that I downloaded from your link. It is very useful for me, the guide book helps me lots. Otherwise,
- [Entrepreneurs pilot training on bookkeeping](https://aandbmake3.org/2015/05/22/entrepreneurs-pilot-training-on-bookkeeping/) - After rehearsing the first level workshop (daily bookkeeping and cash reconciliation), Ranontsika facilitators piloted the training with three entrepreneurs who came to the head office.rehearsingThe day in the life of an entrepreneur ; is the business profitable?Why tracking is so importantpersonal or business expenses?end of day reconciliationworkshop wrap up: daily to do list
- [Training the Trainers Ranontsika - 1001 Fontaines](https://aandbmake3.org/2015/05/26/training-the-trainers-ranontsika-1001-fontaines/) - On Monday we worked on levels 3 and 4 of the entrepreneur programme and wrapped up the week on Tuesday morning.
- [Training the Trainers - level 2 Ranontsika](https://aandbmake3.org/2015/05/23/training-the-trainers-level-2-ranontsika/) - The second level of the finance for entrepreneurs training designed for 1001 Fontaines/ Ranontsika focused on end of month routines.review daily routine (from level 1)role play: selling water to schoolsrecording school salescalculating a monthly profit and water lossrole play: paying employeesrecording monthly transactionsend of month routine review
- [Family Development training in the Philippines](https://aandbmake3.org/2015/06/05/family-development-training-in-the-philippines/) - Last October, Enfance Foundation attended our short Training the Trainers, organised by France Volontaires, in Quezon City (Philippines) and facilitated by Lenlen (Enrich HK). After the workshop, Enfance Foundation used a+b=3's financial literacy training database to update their programmes. They signed a partnership with the Department of Social Welfare and Development of the Philippines in order
- [Training the Trainers - Money Management - YES Centre, Siem Reap (day 1)](https://aandbmake3.org/2015/06/15/training-the-trainers-money-management-yes-centre-siem-reap-day-1/) - Today, Saorn, Admin/Finance Unit Director and Financial Management Trainer/Coach, from our Cambodian partner, VBNK, facilitated the first day of our Training the Trainers on Money Management. Trainers discovered the programme as participants.Photo credit: OU Saorn
- [Training the Trainers - Money Management - YES Centre, Siem Reap (day 2)](https://aandbmake3.org/2015/06/16/training-the-trainers-money-management-yes-centre-siem-reap-day-2/) - Second day of our Training the Trainers in Siem Reap at YES Centre. Today, participants practised training. Thanks to Saorn Ou, VBNK's facilitator, facilitating this workshop and sharing all his financial training knowledge and expertise to participants.
- [Training the Trainers - Money Management - YES Centre, Siem Reap (day 3)](https://aandbmake3.org/2015/06/17/training-the-trainers-money-management-yes-centre-siem-reap-day-3/) - End of practise session, implementation plan and certificates.
- [Money Basics - Financial Literacy Training for PFI Hog Raisers (Philippines)](https://aandbmake3.org/2015/06/30/money-basics-financial-literacy-training-for-pfi-hog-raisers-philippines/) - On June 29 and 30, EdM-entrepreneurs ran a two-day Financial Literacy training for hog raisers of Pagtambayayong: A Foundation for Mutual Fund Inc (Philippines) using a+b=3' "Money Basics" programme.Roxanne explains why the training worked very well: "The success of this training is due primarily to your simplified version of training materials that our participants easily
- [Money Management training - Passerelles Numeriques Cambodia students](https://aandbmake3.org/2015/07/28/money-management-training-passerelles-numeriques-cambodia-students/) - Last Saturday, Maneth from Passerelles Numeriques Cambodia, ran our "Money Starters" programme for two groups of the 2016 batch students (50 students in total). The workshop aims to help students manage and spend their allowances more effectively.After facilitating our participatory programme, Maneth also used the videos co-produced by Connected Schools and a+b=3 . Maneth said:
- [Money Management training - Passerelles Numeriques Cambodia students (2)](https://aandbmake3.org/2015/08/01/money-management-training-passerelles-numeriques-cambodia-students-2/) - Today, Maneth from Passerelles Numeriques Cambodia, ran our "Money Starters" programme with two other groups of new students.Students said the training was very useful to them because it enabled them to:improve their knowledge on what they should spend money for or not (useful vs. useless) = correctly use money know better how to save moneythink before their
- [PHARE - second workshop](https://aandbmake3.org/2015/09/15/phare-second-workshop/) - PHARE's artists based in Siem Reap attended a second workshop on money management facilitated by our partner VBNK and sponsored by ANZ Bank.creative review of the first workshophow to support familystory: taking a financial decisionparents' behaviour impact children's attitude towards moneyethical cases: money is not all
- [Money under the circus tent](https://aandbmake3.org/2015/09/16/money-under-the-circus-tent/) - Battambang based PHARE artists braved the rainy weather and attended the follow-up workshop on money management facilitated by Saorn (VBNK) and sponsored by ANZ.reviewing workshop 1Discussing ethical casesWhere and how to saveTalking about money with family or friends - role play
- [Business training in Indonesia](https://aandbmake3.org/2015/10/09/business-training-in-indonesia/) - Early August, Emilie, a volunteer for the French NGO Planète Urgence, went to Borneo to train a group of adults (supported by YML Madimap) on basic business skills to help them start sustainable microbusinesses. A few weeks before her mission, Emilie contacted a+b=3 and downloaded our "Money Basics" programme on business. She first ran a workshop
- [Students' workshop - Passerelles Numeriques Cambodia](https://aandbmake3.org/2015/10/26/students-workshop-passerelles-numeriques-cambodia-2/) - Maneth Min, Passerelles numériques Cambodia's English & Professional Life Coordinator, ran a first workshop on Financial Literacy to PNC2017 Batch in order to help them to manage their allowance effectively. PNC now includes this course (Money Starters) as extra curriculum in Q0.
- [Training the Trainers - JJJ Her Fund](https://aandbmake3.org/2015/11/06/training-the-trainers-jjj-her-fund/) - Second part of our project with JJJ / Her Fund- a workshop on investment. Today was the TOT. Great discussions and smiles (yes!)Learning from storiesUnderstanding basic investment productsChoosing an investmentWe concluded the workshop on discussing non-financial wealth and assets.
- [Introduction to business - Hong Kong](https://aandbmake3.org/2015/11/06/introduction-to-business-hong-kong/) - We ran a short introduction to business workshop this afternoon at IKTMC (Hong Kong) followed by the presentation of two business plans/ ideas by two groups of students.Analysing a business story We then looked at how to add value to a business idea.steps to start a business
- [a+b=3's 10th anniversary in Hong Kong](https://aandbmake3.org/2015/11/06/ab3s-10th-anniversary-in-hong-kong/) - Tonight we displayed a poster exhibition "Finance in pictures" to reflect on our 10 years as financial educator and challenge what finance often takes for granted.
- [Youth training - IKTMC](https://aandbmake3.org/2015/11/07/youth-training-iktmc/) - Third year training with IKTMC CDF project.After a review of the first workshops students brainstormed on workplace cases and identified their rights as employee. then their duties. They learned the main differences between Islamic banking and conventional banking, as well as insurance and "takaful" After a zakat calculation, students had a close look at how to choose
- [University Students training -  Phnom Penh](https://aandbmake3.org/2015/11/09/university-students-training-phnom-penh/) - Today, we co-facilitated two training workshops with students (year 2 and year 1), part of our continuous partnership with Enfants du Mekong.We started with Year 2 students (their third workshop on money management):Reviewing the tools to manage money that students learned last yearPractising budgeting - in year 2, students have to manage a bigger allowance
- [Training the Trainers - Financial Literacy - day 1](https://aandbmake3.org/2015/11/10/training-the-trainers-financial-literacy-day-1/) - First day of our financial literacy training the trainers - helping vulnerable families, in Phnom Penh, with our partner VBNK.Choosing one goalan overspending storyPlanning 5 days and a commitment to payHow to get out of debtGetting organised - a simple step by step project : going to the templegetting organised requires communicationCommitments and daily spending
- [10th anniversary in Phnom Penh](https://aandbmake3.org/2015/11/11/10th-anniversary-in-phnom-penh/) - "Finance in pictures", the special event for our 10th anniversary - a photo and pictures exhibition that challenges our views about money, was in Phnom Penh tonight.
- [High school students - Enfants du Mekong - Sisophon](https://aandbmake3.org/2015/11/14/high-school-students-enfants-du-mekong-sisophon/) - Today Year 11 students attended a first workshop on money management. As they receive money from Enfants du Mekong and their parents, getting basics in expenses control, planning, savings... and ethics is very important.Drawing a poster about what we know about moneyand presenting itthis is fun!shopping game: always a big successanalysing what we spentsetting priorities:
- [Training the Trainers - Financial Literacy - day 3](https://aandbmake3.org/2015/11/12/training-the-trainers-financial-literacy-day-3/) - Third and last day of our Training the Trainers - how to help financially vulnerable families.happy participant tracking her expenses since Tuesdayhow money decisions connect us to each otherPractise sessions: where to saveand using visuals to warn about debt consequencesThe third part of our workshop focused on managing money as a family, decision taking and
- [Training the Trainers - Financial Literacy - day 2](https://aandbmake3.org/2015/11/11/training-the-trainers-financial-literacy-day-2/) - Second day of our Training the TrainersReviewManaging an irregular incomeWhere to keep savingssAfter experiencing various training examples as participants, we focused on how to build an efficient training programmeAnalysing a needs assessmentOutlining a programme according to a specific financial issue Third part of the day: this time participants facilitated the session they explored yesterday.managing an irregular
- [High school students - Enfants du Mekong - Sisophon (2)](https://aandbmake3.org/2015/11/15/high-school-students-enfants-du-mekong-sisophon-2/) - Today we facilitated the same first level workshop, this time with Year 12 students.Writing a poster about moneyand presenting itshopping gameSaorn, VBNK's facilitator, as shopkeeperSetting prioritiesSetting priorities with moneyWriting our budget - a creative attemptSetting goalssmart phones are by far the favorite goal...On the wall of Enfants du Mekong classroom, Confucius' wisdom on learning -
- [Introduction talk - CDF project](https://aandbmake3.org/2015/11/21/introduction-talk-cdf-project/) - Today, IKTMC and its sister school IDPMPS launched the second CDF project, to help students break the cycle of poverty and study at university level.a+b=3 ran a short introduction talk on attitude towards money management and simple tools like budgeting, tracking and saving for specific projects.planning game
- [Workshop on scam prevention](https://aandbmake3.org/2015/11/17/workshop-on-scam-prevention/) - Tonight, Bethezer invited me to run a two-hour workshop to help prevent students and their families become the prey of investment scams, as Cambodia (among other Asian countries) has experienced some pyramid schemes recently.Experiencing a pyramid scheme - first round3rd round: recent investors look for new investors4th round... the pyramid is about to collapsePractising saying
- [Training of Trainers - Microbusiness - Day 3](https://aandbmake3.org/2015/11/19/training-of-trainers-microbusiness-day-3/) - This morning participants practised facilitating a session. In the afternoon, we delved deeper into running a business: time management and organisation, what issues small businesses face, relationship with family members and friends who are likely to interact with the business owner and ethics with customers and suppliers.Profit calculation Cash flow and trackingKhmer, English and squares numbersbreakevenBusiness
- [Training of Trainers - Microbusiness - Day 2](https://aandbmake3.org/2015/11/18/training-of-trainers-microbusiness-day-2/) - 2nd day of our TOT on microbusiness. Today's focus was on setting up a new business, starting from finding an idea... to calculating how much money we needed to set up a business.reviewing yesterday's main business conceptsidentifying our clients' motivation to start a businessAnalysing a business storyand turning a failure into a successmaking a gift... Business
- [Training of Trainers - Microbusiness - Day 1](https://aandbmake3.org/2015/11/17/training-of-trainers-microbusiness-day-1/) - Today we welcomed a small group of NGO/microcredit staff to our Training of Trainers on Micro-business. On this first day, we focused on key business skills micro-businesses should get.We started with running our own shopwhich led to a lot of creativity.And participants realised that running a business... is not easy!Counting the cash after closing the
- [Small business training in Indonesia](https://aandbmake3.org/2016/01/17/small-business-training-in-indonesia/) - Last November, Alexandra, a volunteer for Planete Urgences, facilitated a 10 day workshop in Mahakam (Kalimantan East), Indonesia. The focus of the project was empowering local women to start a business. To prepare her mission, Alexandra used part of a+b=3's material and methods. She first assessed what participants wanted to learn, whether and why they wanted
- [Trainers in action](https://aandbmake3.org/2015/12/03/trainers-in-action/) - Maneth (She Investments) attended our Training the Trainers last month and has already started using what she has learned to run a workshop on expenses management, first with her colleagues, then with her clients.Maneth created some materialShe tested it with her colleaguesThen she ran a first workshop with her clients.
- [Students workshop - Passerelles Numeriques Cambodia](https://aandbmake3.org/2016/01/19/students-workshop-passerelles-numeriques-cambodia/) - Two more groups of Passerelles Numeriques, Cambodia , attended the second level of Money Starters, our programme for young adults, facilitated by Maneth (PNC) on January 2 and 9. Students especially liked budgeting for a holiday and for a wedding. Hopefully through these very practical and relevant examples, they will get into a planning mindset.Group
- [Level 2 workshop for students - Passerelles Numeriques Cambodia](https://aandbmake3.org/2015/12/15/level-2-workshop-for-students-passerelles-numeriques-cambodia/) - Last weekend (12 and 13 December), Maneth, Business Life Teacher at Passerelles Numeriques Cambodia, ran our second level course for students, a few months after they attended the first level.a+b=3' s student programme offers three levels; level 1 focuses on basics (why manage, controlling expenses, planning, saving for goals, ethics) and level 2 looks at
- [University Students - Phnom Penh Enfants du Mekong](https://aandbmake3.org/2016/03/08/university-students-phnom-penh-enfants-du-mekong/) - University students at Centre Merieux - Enfants du Mekong, Phnom Penh (Cambodia) are offered various extra-curriculum programmes to help them grow into well rounded human beings: philosophy, health, and also finance. The money management programme consists of six parts taught every six months covering year 1, 2 and 4. Students get also support in opening
- [a+b=3 in Vietnam](https://aandbmake3.org/2016/02/20/ab3-in-vietnam/) - Last September, Phuong, Social Work Manager at Enfants & Developpement, Vietnam, facilitated a training workshop for her team using a+b=3’s tools and methodology. Phuong adapted the training material to address the Vietnamese context and translated them. Enfants & Developpement has started rolling out the programme to their beneficiaries (youth in vocational training). Budget game -
- [the money game](https://aandbmake3.org/2016/02/18/the-money-game/) - Today students from Career & College Academy - Bloomington, MN, attended an hour presentation on how to play the money game... avoiding the traps and difficulties of money management, using five simple tools to pass all the game levels. We ended up with one question: what does it mean to "win"?to have... or to be,
- [Training the Trainers - Starting a business - Phnom Penh](https://aandbmake3.org/2016/02/13/training-the-trainers-starting-a-business-phnom-penh/) - On February 11-13, Hattha Kaksekar staff attended our 3 day training of trainers on how to run a programme for university students on starting a business. On day 1, they experienced the programme as students. On day 2, they practised facilitating it and on day 3, they experienced the second and third levels of our
- [Training the Trainers - Financial Literacy - Phnom Penh](https://aandbmake3.org/2016/02/06/training-the-trainers-financial-literacy-phnom-penh/) - On February 4-6, Hattha Kaksekar staff attended our 3 day training of trainers on how to run a financial literacy programme for university students. On day 1, they experienced the programme as students. On day 2, they practised facilitating it and on day 3, they experienced the second and third levels of our students’ programme.Day
- [USA - the Money Game - students](https://aandbmake3.org/2016/03/29/usa-the-money-game-students/) - Today Career & College Academy - Bloomington, MN, invited Sophie to run our "Money game" presentation twice again with high school / university students.We went through the traps and difficulties of money management: time mismatch, virtual money (but real consequences), abundance of shopping possibilities, no "undo" button...Then we looked at five simple tools to pass
- [Navigating the US financial system](https://aandbmake3.org/2016/04/05/navigating-the-us-financial-system/) - Short introduction course for one adult ESL class of Metro South (MN) students today on finance in the US. We read examples of financial offers (those mailed every week to our mailboxes...) and went through financial vocabulary.
- [Students' workshop - Year 2 - Enfants du Mekong Phnom Penh](https://aandbmake3.org/2016/03/30/students-workshop-year-2-enfants-du-mekong-phnom-penh/) - Enfants du Mekong Centre Merieux in Phnom Penh offers a thorough programme on financial education to their students: from year 1 on until they graduate three to four years later, students attend one workshop every six months; besides, they manage their own money and can practise in real life what they have learned - and
- [Money Management programme - Enfants du Mekong Phnom Penh](https://aandbmake3.org/2016/04/15/money-management-programme-enfants-du-mekong-phnom-penh/) - University students at Centre Merieux - Enfants du Mekong, Phnom Penh (Cambodia) are offered various extra-curriculum programmes to help them grow into well rounded human beings: philosophy, health, and also finance. The money management programme consists of six parts taught every six months covering year 1, 2 and 4. Students get also support in opening
- [Enfants du Mekong 2016 Job Hunting Seminar, Manila and Cebu](https://aandbmake3.org/2016/04/29/enfants-du-mekong-2016-job-hunting-seminar-manila-and-cebu/) - Enfants du Mekong included financial education in their job hunting seminar in April for freshly graduated students: getting a job is important... managing a first salary, too!Here is Claire's feedback who facilitated the workshop that she downloaded from a+b=3's "Money Starters" platform."The training format is excellent and really easy to use. The trainers' guide is
- [Accounting for micro businesses in Indonesia](https://aandbmake3.org/2016/05/20/accounting-for-micro-businesses-in-indonesia/) - In April, Arnaud, volunteering for Planete Urgence, ran a series of seven workshops on bookkeeping to help women who manage very small businesses improve their bookkeeping and get a better idea on their profit and cash and how to improve both. these women are part of Yayasan Mangrove Lestari, a local NGO based in East
- [How to manage a first salary - workshop for Phnom Penh Students](https://aandbmake3.org/2016/06/02/how-to-manage-a-first-salary-workshop-for-phnom-penh-students/) - On May 28 and 31, Enfants du Mekong's 4th year students participated to their last workshop on money management: the main focus was on how to manage their future salary... it is so easy to get excited when we earn a first salary and the list of what we'd like to buy ... is always
- [Garment factory workers - Cambodia](https://aandbmake3.org/2016/06/07/garment-factory-workers-cambodia/) - In March and April, CARE Cambodia organised two training the trainers on financial literacy for garment factory workers that a+b=3 helped design as part of Levis Strauss Foundation funded Sewing for a Brighter Future project.Young Cambodians migrate to Phnom Penh to work in factories and earn a salary, but even though their goal is to
- [Financial literacy videos in Nepal](https://aandbmake3.org/2016/06/09/financial-literacy-videos-in-nepal/) - On March 16, Mr. Prakash Koirala – Global Award Winner in Youth Financial Education Awareness Award 2015 - organized a Financial Literacy orientation programme for 24 high school students and Guest Youth of Rotract Council in Bhaktapur, Nepal. Prakash, who is an expert in financial literacy in Nepal and has already reached more than 40,000 community people about
- [Money and others](https://aandbmake3.org/2016/08/10/money-and-others/) - Money Basics - Module 2 is ready! Money arguments between spouses, children nagging for toys, relatives asking for money, disputes or jealousy between neighbours... Money is very often at the core of relationships between people. Money can improve... or damage these relationships. This is why we believe financial education is not only about budgeting and
- [Liger Learning Center: teaching students how to start and run a business](https://aandbmake3.org/2016/09/26/liger-learning-center-teaching-students-how-to-start-and-run-a-business/) - For the second year, Liger Learning Centre students are following a programme on entrepreneurship designed by a+b=3. Liger Learning Centre provides an innovative education model to high potential young Cambodians and one key area is entrepreneurship. Instead of learning then applying, the curriculum is built on a real project idea that students experiment with and strive
- [Budgeting - housewives and volunteers](https://aandbmake3.org/2016/10/06/budgeting-housewives-and-volunteers/) - On Thursday a group of a dozen Somali participants and volunteers attended a 90 minute workshop on budgeting. We broke it down in three steps: every day and monthly expenses (those we usually don't forget), irregular and yearly expenses (so we had to re-prioritise banknotes) then... expenses that we'd like or have to do a
- [Training the Trainers - Sisophon - high school students programme](https://aandbmake3.org/2016/10/11/training-the-trainers-sisophon-high-school-students-programme/) - Saorn from our Cambodian partner VBNK facilitated our two day training the trainers in Sisophon on October 10-11. By the end of this workshop, participants (from Enfants du Mekong who organised and hosted this workshop, and a few local NGOs) were able to facilitate a financial education training for high school students.Participants first experienced the
- [High school training - Sisophon - Enfants du Mekong](https://aandbmake3.org/2016/10/12/high-school-training-sisophon-enfants-du-mekong/) - Chhin from Enfants du Mekong - who had just attended our two day training the trainers in Sisophon - and Saorn from our partner VBNK, co-facilitated the workshop for high school students in three locations: Sisophon was first.Drawing a poster with all we know about moneyand presenting itshopping gamesetting priorities: morning routinesetting priorities with expensessetting
- [High school students - Banteay Chhmar - Enfants du Mekong](https://aandbmake3.org/2016/10/13/high-school-students-banteay-chhmar-enfants-du-mekong/) - Chhin and Tumpor (Enfants du Mekong) and Saorn (VBNK) went to Banteay Chhmar (NW Cambodia) to run our high school training programme with students, following the training the trainers earlier this week.Creating a poster showing all we know about moneyStudents know a lot!Introducing the postersSome posters are very creative.shopping gamebudgetingWell done!
- [Wrap up workshop](https://aandbmake3.org/2016/11/04/wrap-up-workshop/) - Wrap up workshop with ITKMC students enrolled in the CDF project. Through a story, we reviewed the main values and do's and don'ts of finance from an Islamic perspective. Students also shared what they have learned and implemented throughout these three years.
- [High school students - Enfants du Mekong Samrong](https://aandbmake3.org/2016/10/14/high-school-students-enfants-du-mekong-samrong/) - Saorn (VBNK) and Chhin (Enfants du Mekong) travelled to a third location (Samrong) to co-facilitate our financial literacy workshop with high school students, with Chhou, the local Enfants du Mekong social worker.Creating a poster with all we know about moneyPresenting our postersshopping gamemorning prioritiesand spending priorities... first step to write a budgetWell done!
- [TOT Youth - level 1 - Cebu - day 3](https://aandbmake3.org/2016/11/09/tot-youth-level-1-cebu-day-3/) - Last half day of level 1 Training the trainers in CebuGetting organised: planning a bus tripUsing the same skills to get our finance organised.Delivery gametraining samples for families
- [TOT Youth - Cebu - level 2 - half-day 1](https://aandbmake3.org/2016/11/09/tot-youth-cebu-level-2-half-day-1/) - This afternoon, a new group (including several participants who attended our workshop in 2014) attended our training the trainers - level 2 workshop - how to teach youth about money.problems and solutions matchingDefining what financial literacy means, through practical cases.reviewing what we already know by making a posteridentifying hard to control expensesand discussing strategies to
- [TOT - Level 1 - Cebu Day 2](https://aandbmake3.org/2016/11/08/tot-level-1-cebu-day-2/) - Today, participants facilitated the programme for students that we ran yesterday.Why money matters?Budgetingshopping gameNecessary expensesWrap up module 1Poster in local restaurantdoor of the Enfants du Mekong Life Training Centerenergiserreview of key conceptswise shopping pieces of adviceethical casestest
- [TOT Financial literacy for youth - Cebu - level 1 - day 1](https://aandbmake3.org/2016/11/07/tot-financial-literacy-for-youth-cebu-level-1-day-1/) - Training at Enfants du Mekong Professional Life Training Center in Cebu, Philippines.We started with a short introduction on the problems faced by youth and efficient training methods.Identifying what is the main issue the youth face about money.IntroductionHow children learn about money - example of participatory method Experiencing the youth programme - module 1Choosing why money matters
- [TOT Cebu Level 2 - day 2](https://aandbmake3.org/2016/11/10/tot-cebu-level-2-day-2/) - Second day of our TOT on youth programme - level 2 in Cebu, Philippines, co-organised by Enfants du Mekong. We went on experiencing the module 3 of a+b=3's youth programme.review from day 1PLAN and PRIORITISEHow to choose a phone - and making the difference between advertising and informationWriting the steps to take a purchase decisionand
- [Enrich - our Hong Kong partner](https://aandbmake3.org/2016/11/18/enrich-our-hong-kong-partner/) - Whole day meeting with Enrich's team, our long time partner in Hong Kong, offering programmes for Migrant Workers.
- [Primary school students - Hong Kong](https://aandbmake3.org/2016/11/16/primary-school-students-hong-kong/) - Short workshop with a group of IDPMPS' students (Hong Kong): we focused on planning and budgeting skills, taking a simple example: a birthday. This was also an opportunity to work in group.
- [Training of Trainers - Financial Literacy - Laos - Day 2](https://aandbmake3.org/2016/11/23/training-of-trainers-financial-literacy-laos-day-2/) - Second day of our Training the Trainers in Vientiane organised by GIZ. Today participants practised facilitating in a participatory way and discussed how to address issues arising during training.How to convey a message clearlyHow to address common reasons that prevent target groups from changing the way they manage moneyPreparing practise sessionsPractise sessions: participants facilitate parts
- [Training of Trainers - Financial Literacy - Laos](https://aandbmake3.org/2016/11/22/training-of-trainers-financial-literacy-laos/) - GIZ Laos has invited a+b=3 to run a 2-day training the trainers in Vientiane on financial literacy for NGO, MFI and Government staffs who run programmes for (mostly) rural areas. Microfinance Association is kindly providing the training room.Today, we focused on the objectives of financial literacy and how to have a real impact, then this
- [TOT Cebu Level 2 - day 3](https://aandbmake3.org/2016/11/11/tot-cebu-level-2-day-3/) - Third day of our Training the trainers on youth financial literacy.energiser on planningThe practise sessions continued with five more groups who facilitated sessions seen the days before.birthday sequencehow to choose a mobile phoneHolidays: values and planningHidden finance wordIncomes: addressing common misconceptionsIn the afternoon we focused on family programmes.Message game Matching problems faced by families and potential
- [Action plan](https://aandbmake3.org/2016/11/24/action-plan/) - Grateful to be invited to the conclusion part of the follow up meeting where the GIZ team and partners brainstormed all day to implement this week's training the trainers.
- [Workshop - year 2 - IKTMC](https://aandbmake3.org/2016/11/26/workshop-year-2-iktmc/) - Second year training at IKTMC for CDF project. The morning workshop with students was followed by a session for mentors on how youth learn about money, our role as adult, basic tools like budgeting and quick insights on Islamic principles on money.Morning prioritiesUsing the same skills to prioritise expensesand write a budgetWe also went through
- [Happy New Year 2017](https://aandbmake3.org/2017/01/03/happy-new-year-2017/) - Best wishes of peace, prosperity and well-being to you and your family for the New Year. May we act in a more accountable way with ourselves, others and the Earth. The way we manage money impacts us all.Tous nos voeux de paix, prospérité et bien-être à vous et votre famille pour cette Nouvelle Année. Agissons de façon
- [University students - Year 2 workshop - Enfants du Mekong](https://aandbmake3.org/2017/01/17/university-students-year-2-workshop-enfants-du-mekong/) - Last week, Chhin (Enfants du Mekong, Phnom Penh, Centre Merieux) facilitated the year 2 workshop to two groups of students. Students in year 2 have more expenses to manage and deepening their financial skills is very important for them to fit in their allowance.Students started with reviewing what they had learned last year. They then
- [Impact of financial literacy](https://aandbmake3.org/2017/02/27/impact-of-financial-literacy/) - Women's Resource Center (Siem Reap, Cambodia) has shared an update on the financial literacy programme we helped them improve: read WRC's blog.photo: courtesy of Women's Resource Center
- [Global Money Week - financial literacy exhibition Kinshasa](https://aandbmake3.org/2017/04/02/global-money-week-financial-literacy-exhibition-kinshasa/) - During the Global Money Week (organised by the CYFI at world level), our partner in DR Congo, APECC, showed our "Finance in pictures" exhibition for the second year. We had provided new posters focusing on budgeting and controlling expenses. This year, despite safety issues, the exhibition reached more than 2 500 students and adults. Besides,
- [Financial Literacy Training the Trainers - IDF, Bangladesh](https://aandbmake3.org/2017/04/09/financial-literacy-training-the-trainers-idf-bangladesh/) - After a first discussion back in 2014 during a Citigroup financial literacy conference, IDF invited a+b=3 to run two Training the Trainers in Dhaka. Today was the first day of the Financial Literacy workshop; after the introduction by Mr Zahirul Alam, IDF's Executive Director, participants worked on defining financial literacy, its objectives, how to help
- [Financial Literacy Training the Trainers - IDF, Bangladesh, Day 3](https://aandbmake3.org/2017/04/11/financial-literacy-training-the-trainers-idf-bangladesh-day-3/) - Third and last day of our TOT on Financial Literacy in Dhaka,Written test on technical contentPractise session (cont'd from yesterday)budget exercisereal emergencies v.s, self-inflicted emergencies, i.e. expenses that have become emergencies because we did not anticipate themMatching prevention with risksdestructive and non-destructive debtsBus journey and getting out of debt stepsclear and simple communicationgood and bad
- [Financial Literacy Training the Trainers - IDF, Bangladesh, Day 2](https://aandbmake3.org/2017/04/10/financial-literacy-training-the-trainers-idf-bangladesh-day-2/) - After reviewing yesterday's key points, participants experienced various training sessions for low income clients about prioritising expenses, planning and managing an irregular income, In the afternoon, after they prepared their practise session.review of day 1's keypointsidentifying why the story's character is not happAnalysing expenses note bookPlanning how to use a future income.How to follow a
- [Microbusiness Training the Trainers - IDF, Bangladesh, day 1](https://aandbmake3.org/2017/04/12/microbusiness-training-the-trainers-idf-bangladesh-day-1/) - As most of their clients are small entrepreneurs, IDF invited a+b=3 to run our financial literacy TOT and microbusiness TOT back to back. The first day of the microbusiness TOT focused on how to run an existing business, improve its profit and cash, and book-keeping.Describing a typical clientthe shop game: participants set up a shop
- [Microbusiness Training the Trainers - IDF, Bangladesh, day 2](https://aandbmake3.org/2017/04/13/microbusiness-training-the-trainers-idf-bangladesh-day-2/) - Last day of our Training the Trainers. Today we focused on how to set up a new business.Review of key business conceptsMaking a giftTurning Nur's failed business story into a success storyHow to set up a business, step by stepAdding value - matching gameFinding the best place to sellIn the afternoon, after a game on
- [Kathmandu. TOT Youth - Nepal Prosperity Institute](https://aandbmake3.org/2017/04/21/kathmandu-tot-youth-nepal-prosperity-institute/) - Prakash and his team at Nepal Prosperity Institute have invited a+b=3 to run a three day Training the Trainers for university students so that they can facilitate financial literacy workshops with school students around Nepal. The Thames International College is hosting the workshop.Choosing one issue faced by studentsDiscussing cases: are these people financially literate?Defining financial
- [Kathmandu, Save the Children - Induction TOT Day 2](https://aandbmake3.org/2017/04/19/kathmandu-save-the-children-induction-tot-day-2/) - Second day of the Induction Training the Trainers with Save the Children Nepal. We went through more examples of training activities for low income families:Review key content seen yesterdayReviewReal emergencies vs. expenses we can planmatching prevention and risk Daily spending limitExplaining a daily spending limit with a daily income Other examples: savings calendarAnd expense boardemergiserProductive and unproductive
- [Kathmandu, Save the Children - Induction TOT Day 1](https://aandbmake3.org/2017/04/18/kathmandu-save-the-children-induction-tot-day-1/) - First day of a short training the trainers with Save the Children Nepal and its local partners aiming to introduce financial literacy and what facilitation tools can be used with very low income parents.Part 1: what is financial literacy and what it aims at?the material is ready for a new trainingmatching problems with solutionsmatching financial
- [Budgeting 101](https://aandbmake3.org/2017/05/04/budgeting-101/) - Simple course on budgeting with immigrants at Metro South (MN) this morning. Key word = PRIORITIES!
- [Sambosa and cookies](https://aandbmake3.org/2017/05/04/sambosa-and-cookies/) - Training workshop with Somali mothers tonight in Eden Prairie (MN)... budgeting is like sharing sambosa or cookies.
- [Chelsea Community and Education Center - workshop  on money](https://aandbmake3.org/2017/04/26/chelsea-community-and-education-center-workshop-on-money/) - The Chelsea Community and Education Center invited a+b=3 to run a short introduction workshop on money management. Students first prioritised tasks from a familiar situation: what they do in the morning (from waking up to going to school) then practised prioritising if they wake up late and have much less time. Then they applied their prioritisation
- [Kathmandu - TOT Youth - Nepal Prosperity Institute - Day 3](https://aandbmake3.org/2017/04/23/kathmandu-tot-youth-nepal-prosperity-institute-day-3/) - Third and last day of our training the trainers for university students, in Kathmandu, initiated and organised by Nepal Prosperity Institute and sponsored by Thames International College. This innovative project aims to train university students run financial literacy programme to high school students throughout Nepal, at a large scale. A positive peer pressure.Practise sessions (cont'd):Budget
- [Kathmandu Youth TOT - Nepal Prosperity Institute Day 2](https://aandbmake3.org/2017/04/22/kathmandu-youth-tot-nepal-prosperity-institute-day-2/) - Second day of our training the trainers for Nepal Prosperity Institute. The university students who follow this programme will later on roll out this basic financial literacy programme to school youth throughout Nepal.Getting the right message throughout: keep it simple!Writing smart and mindful goalsCalculating a daily spending limitGood and bad pieces of advise to spend
- [Training for Enfants du Mekong high school students in Preah Vivir](https://aandbmake3.org/2017/05/17/training-for-enfants-du-mekong-high-school-students-in-preah-vivir/) - On May 7th, Enfants du Mekong high school students in Preah Vivir (Cambodia) attended their first workshop on money management.We started with asking them to think of what they already know about money.They shared their ideas.Shopping game - practising spending!Analysing our spendingPractising prioritising with morning routine cards.Setting goalsCalculating our own budgetProblems and solutions: how to
- [Learning the basics of bookkeeping to better run their business.](https://aandbmake3.org/2017/06/05/learning-the-basics-of-bookkeeping-to-better-run-their-business/) - Following our training the trainers in Cebu last November, Children of Asia, Philippines, has run a pilot livelihood programme with 12 women who run their own micro-business. The programme alternated training workshops on a specific topic like developing a savings plan, using envelopes, paying back debts, and bookkeeping for their small businesses, with one-to-one coaching
- [New partner in Cambodia - ICS-SP](https://aandbmake3.org/2017/06/19/new-partner-in-cambodia-ics-sp/) - ICS- Skillful Parenting anda+b=3 are happy to announce their partnership in Cambodia. ICS-SP is a Cambodian non-profit organization that aims to improve family lives and the well-being of children and women, especially reduce and prevent violence against children and promote age appropriate parenting, by working with parents and caregivers, by strengthening families and communities, and
- [a+b=3 in Colombia - first workshop](https://aandbmake3.org/2017/06/19/ab3-in-colombia-first-workshop/) - In Colombia, in the city of Jamundí, on June 16, we held our first workshop on education and financial planning "Connect your financial potential".With enthusiasm and motivation the participants took part in the exercises and activities of the workshop, bringing knowledge to practice. The simplicity and excellent methodology of a + b = 3 makes
- [Community Training - Phnom Penh](https://aandbmake3.org/2017/06/27/community-training-phnom-penh/) - Nouvelles Pousses (ពន្លកថ្មី) invited us to run a training focusing on how to control and get out of debt. Pheak, from ICS-SP, our Khmer partner, ran a four hour workshop, which consisted in three parts: Awareness: facts and consequences of debt (debts = spending our future income + consequences on others) Solution: how to get
- [YEPP - financial literacy and Career Guidance](https://aandbmake3.org/2017/07/23/yepp-financial-literacy-and-career-guidance/) - Luzon Technical Institute invited Catalina (Y.E.P.P. our partner in the Philippines) to run a full weekend of financial literacy workshops to strengthen their Career Guidance programme. Around 100 students, split in four classes, attended a three hour workshop covering:prioritisingdeveloping mindful goalsbudgeting for universityhow to savespending wiselyBesides, parents and teachers were invited to a short workshop
- [Save the Children - Nepal](https://aandbmake3.org/2017/07/29/save-the-children-nepal/) - After adapting a basic workshop for families for Save the Children Nepal, today the team practised facilitating it before tomorrow's pilot.Introduction: how today's choices impact tomorrow.Allocating our income... experienced with waterAnd it is harder to allocate well when we cannot see how much is left in our bottle. Tracking our income is very important when
- [Family pilot workshop - Save the Children Nepal](https://aandbmake3.org/2017/07/30/family-pilot-workshop-save-the-children-nepal/) - Pilot workshop this morning with Save the Children Nepal's team to test the newly designed workshop for very low income families: rehearsing one more time Introduction: raising awareness on the impact of our spending: when we buy something, we have less money for other more important expenses. Comparing income and water. It
- [Introduction to financial education](https://aandbmake3.org/2017/08/01/introduction-to-financial-education/) - Short introduction on financial education with Save the Children Dungarpur (Rajasthan) 's team and partners.Problems and solutionsFinancial problems and solutions: needs assessment is very important to address the real problems.Discussing how we change a bad habit.Web: today's decisions impact tomorrow. Our decisions impact others.Prioritising expenses - budget
- [Needs assessment](https://aandbmake3.org/2017/08/02/needs-assessment/) - Visit of a self-help group and team meeting
- [Training the trainers - Save the Children India](https://aandbmake3.org/2017/08/05/training-the-trainers-save-the-children-india/) - After localising a basic workshop on family budgeting which will be part of the social protection parenting programme in Dungarpur, Rajasthan, we practised with facilitators today.Facilitators experienced the training as participants.The main part is a simple budgeting game.Then participants prepared the training.And they practised facilitating it.explaining debts with water bottles......and pictures.the web
- [Piloting training with families](https://aandbmake3.org/2017/08/06/piloting-training-with-families/) - After designing a first training workshop on family budgeting, Save the Children Dungarpur team facilitated it for the first time with a group of women and a man this morning. Introduction Choosing our main issue Planning and prioritising expenses Re-prioritising expenses to be able to pay back
- [Money management skills - Enfants du Mekong Philippines](https://aandbmake3.org/2017/08/26/money-management-skills-enfants-du-mekong-philippines/) - Following our Training the Trainers last November, more than 200 scholars sponsored by Enfants du Mekong have attended a workshop on money management focused on spending priorities and budgeting - basic skills which are vital in a heavily monetised modern economy. Most students have found the training interesting and it made them think differently. The biggest
- [Teachers' workshop in DR Congo](https://aandbmake3.org/2017/09/12/teachers-workshop-in-dr-congo/) - End of August, before school started, our Congolese partner, APPEC, organised several 3 day workshops on financial education for school teachers. APPEC's Director and Facilitator, Jean-Michel, used the training guide that a+b=3 had designed for this first training in DR Congo. It covered how to manage our money in day 1 (budget, how to control
- [Financial and Business Literacy TOT – GIZ Laos Luang Namtha – day 3](https://aandbmake3.org/2019/07/10/financial-and-business-literacy-tot-giz-laos-luang-namtha-day-3/) - For our third day of training the trainers, we finished the practise sessions, watched some examples of training implementation done with other organisations then reviewed a few key points on budgeting. Then participants set up a small shop and ran it, competing with each other. This (once again well appreciated) game enabled us to learn
- [Reducing debts between neighbours](https://aandbmake3.org/2019/07/15/reducing-debts-between-neighbours/) - Since they attended a+b=3 training the trainers last year, Enfants du Mekong Cambodia's social workers have been rolling out the "Money Management for families" workshop in Sisophon and Phnom Penh. The training focuses on the main issue faced by families: debt. The objective is to reduce the recourse to debt due to lack of planning,
- [Workshop for PHARE (3), Siem Reap](https://aandbmake3.org/2015/07/06/workshop-for-phare-3-siem-reap/) - On July 6, Saorn (Director and Senior trainer at VBNK, our Cambodian partner) went back to Siem Reap to facilitate the second part of the financial literacy programme for PHARE and Salabai staffs, sponsored by ANZ.In this follow up workshop, participants reviewed workshop 1 and shared what they have implemented.They identified ways to manage "tricky"

## Pages

- [Home](https://aandbmake3.org/) - Home page using standard free OnePress
- [Our History](https://aandbmake3.org/history/) - 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 hands-on programmes to students and low-income families in Cambodia and the Philippines, and factory workers in China. In 2007, Enrich, our “spin-off” sister charity, took
- [Notre Histoire](https://aandbmake3.org/fr/histoire/) - a+b=3 a été créée à Hong Kong en 2005 pour aider les travailleurs migrants à surmonter leurs difficultés financières, notamment le surendettement et des envois de fonds insoutenables à leurs familles. Très vite, nous avons étendu nos programmes pratiques aux étudiants et aux familles à faible revenu au Cambodge et aux Philippines, ainsi qu'aux ouvriers
- [Download our training](https://aandbmake3.org/training/) - Together against financial vulnerability: Our two flagship trainings are versatile and a practical and effective way to introduce key concepts of financial education. You can use them with your target groups stand-alone, or as part of a programme (nutrition, parenting...). The small shop game: Participants discover the basics and challenges of running a business by
- [Téléchargez nos formations](https://aandbmake3.org/fr/formations/) - Ensemble contre la vulnérabilité financière : Nos deux formations phares sont polyvalentes et constituent un moyen pratique et efficace d'introduire les concepts clés de l'éducation financière. Vous pouvez les utiliser auprès de vos publics cibles, seules ou dans le cadre d'autres formations (nutrition, parentalité…). Le jeu des boutiques Les participants découvrent les bases et les
- [Notre Vision](https://aandbmake3.org/fr/vision-fr/) - L'argent est un problème quand : De nombreuses personnes sont aux prises avec des dettes : les dettes façonnent leurs priorités, les poussent à gagner plus, impactant ainsi l'environnement, les stressent et favorisent les inégalités, la migration, la vulnérabilité ou même l'esclavage. L'attitude prédominante est de « devenir riche maintenant » : elle pousse les gens à prendre
- [Our Vision](https://aandbmake3.org/vision/) - Money is a problem when: 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 slavery. The prevalent attitude is to ‘get rich now’: it makes people take unthoughtful and emotional decisions, believe in scams more easily and
- [Learn online](https://aandbmake3.org/learn/) - 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 nutrition, they can include food budgeting, ensuring that families will prioritise their expenses and keep enough money for food. When they identify that gender-based violence
- [Apprenez en ligne](https://aandbmake3.org/fr/apprendre/) - Vous souhaitez renforcer vos connaissances ou les capacités de votre personnel en finance et en entrepreneuriat. Un personnel d’ONG doté de compétences financières peut faire une différence encore plus grande. Lorsqu’ils animent un programme sur la nutrition, ils peuvent inclure le budget alimentaire, garantissant que les familles hiérarchiseront leurs dépenses et garderont suffisamment d’argent pour
- [Conseil en formation pour ONG](https://aandbmake3.org/fr/conseil/) - Depuis 2006, nous travaillons avec des ONG et développons des programmes concrets, simples et pertinents. Parce que nous sommes indépendants des institutions financières, nos programmes ne sont pas biaisés et se concentrent sur la résolution de problèmes. Nous évaluons les problèmes et les besoins de vos groupes cibles.Nous concevons un programme, autonome ou complémentaire à
- [Training Consulting for NGOs](https://aandbmake3.org/ngos/) - 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 problems. We assess your target groups’ issues and needs.We design a programme, either as stand-alone or to complement your existing programmes.We train your staff to
- [Our Team](https://aandbmake3.org/team/) - Sophie Paine Sophie is a Chartered Accountant (DECF), and has a Master degree in business studies (Institut d'Etudes Politiques de Paris), a post graduate in finance and banking (Paris-Dauphine) and a diploma in Islamic Finance (CIFE, ETHICA). She held various positions in financial management and accounting for fifteen years in international corporations and NGOs in
- [Notre Équipe](https://aandbmake3.org/fr/equipe/) - Sophie Paine Diplômée de l’Institut d'Etudes Politiques de Paris, d’un DESS en gestion des organismes financiers et bancaires de Paris-Dauphine, d’un DECF (diplôme d’études comptables et financières) et d’un certificat en finance islamique (CIFE) d’ETHICA, Sophie a occupé divers postes en contrôle de gestion, comptabilité et direction financière pendant une quinzaine d’années dans des entreprises
- [Accueil](https://aandbmake3.org/fr/accueil/) - Home page using standard free OnePress
- [Testimonials](https://aandbmake3.org/testimonials/)
- [Blog en Français](https://aandbmake3.org/fr/blog-fr/)

## Quizzes & Surveys

- [Sondage - cours en ligne d'introduction](https://aandbmake3.org/qsm_quiz/sondage-cours-en-ligne-dintroduction/)
- [Online course introduction survey](https://aandbmake3.org/qsm_quiz/15411/)
- [Post TOT test KH](https://aandbmake3.org/qsm_quiz/post-tot-test-kh/)
- [Pre TOT test KH](https://aandbmake3.org/qsm_quiz/pre-test-kh/)
- [pre TOT test - Lao](https://aandbmake3.org/qsm_quiz/pre-tot-test-lao/)
- [financial literacy pre-assessment](https://aandbmake3.org/qsm_quiz/financial-literacy-pre-assessment/)
- [Post-course survey (EdM Philippines)](https://aandbmake3.org/qsm_quiz/post-course-survey-edm-philippines/)
- [Pre-course survey (EdM Philippines)](https://aandbmake3.org/qsm_quiz/pre-course-survey-edm-philippines/)
- [Survey - Needs assessment](https://aandbmake3.org/qsm_quiz/survey-needs-assessment/)
- [Sondage - Evaluation des besoins](https://aandbmake3.org/qsm_quiz/evaluation-des-besoins/)
- [Survey - Students' financial health](https://aandbmake3.org/qsm_quiz/survey-students-financial-health/)
- [Sondage - Santé financière des étudiants](https://aandbmake3.org/qsm_quiz/sondage-sante-financiere-des-etudiants/)
- [a+b=3 - TOT short evaluation (FR)](https://aandbmake3.org/qsm_quiz/ab3-tot-short-evaluation-fr/)
- [a+b=3 - TOT short evaluation (VN)](https://aandbmake3.org/qsm_quiz/ab3-tot-short-evaluation-vn/)
- [a+b=3 - TOT short evaluation (LO)](https://aandbmake3.org/qsm_quiz/ab3-tot-short-evaluation-lo/)
- [a+b=3 - TOT short evaluation (EN)](https://aandbmake3.org/qsm_quiz/ab3-tot-short-evaluation-en/)
- [a+b=3 - TOT short evaluation (KH)](https://aandbmake3.org/qsm_quiz/ab3-tot-short-evaluation-kh/)
- [test](https://aandbmake3.org/qsm_quiz/test/)
- [Quel est votre niveau d'éducation financière ?](https://aandbmake3.org/qsm_quiz/quel-est-votre-niveau-deducation-financiere/)
- [Are you financially educated?](https://aandbmake3.org/qsm_quiz/are-you-financially-educated/)

## Categories

- [Uncategorized](https://aandbmake3.org/category/uncategorized/)
- [Hong Kong](https://aandbmake3.org/category/hong-kong/)
- [Cambodia](https://aandbmake3.org/category/cambodia/)
- [China](https://aandbmake3.org/category/china/)
- [Philippines](https://aandbmake3.org/category/philippines/)
- [USA](https://aandbmake3.org/category/usa/)
- [Spanish](https://aandbmake3.org/category/spanish/)
- [Resources](https://aandbmake3.org/category/resources/)
- [India](https://aandbmake3.org/category/india/)
- [Kenya](https://aandbmake3.org/category/kenya/)
- [កម្ពុជា](https://aandbmake3.org/category/កម្ពុជា/)
- [Madagascar](https://aandbmake3.org/category/madagascar/)
- [Indonesia](https://aandbmake3.org/category/indonesia/)
- [Vietnam](https://aandbmake3.org/category/vietnam/)
- [Nepal](https://aandbmake3.org/category/nepal/)
- [DR Congo](https://aandbmake3.org/category/dr-congo/)
- [Laos](https://aandbmake3.org/category/laos/)
- [Bangladesh](https://aandbmake3.org/category/bangladesh/)
- [Colombia](https://aandbmake3.org/category/colombia/)
- [Espanol](https://aandbmake3.org/category/espanol/)
- [عربية](https://aandbmake3.org/category/عربية/)
- [Burkina Faso](https://aandbmake3.org/category/burkina-faso/)
- [Senegal](https://aandbmake3.org/category/senegal/)
- [Français](https://aandbmake3.org/fr/category/francais-fr/)
- [RD Congo](https://aandbmake3.org/fr/category/rd-congo-fr/)
- [Le Sénégal](https://aandbmake3.org/fr/category/le-senegal-fr/)
- [Ressources](https://aandbmake3.org/fr/category/ressources/)
- [Burkina Faso](https://aandbmake3.org/fr/category/burkina-faso-fr/)
- [Cambodge](https://aandbmake3.org/fr/category/cambodge/)
- [Chine](https://aandbmake3.org/fr/category/chine/)
- [Hong Kong](https://aandbmake3.org/fr/category/hong-kong-fr/)
- [Laos](https://aandbmake3.org/fr/category/laos-fr/)
- [Madagascar](https://aandbmake3.org/fr/category/madagascar-fr/)
- [Etats-Unis](https://aandbmake3.org/fr/category/etats-unis/)
- [Vietnam](https://aandbmake3.org/fr/category/vietnam-fr/)
- [Tanzania](https://aandbmake3.org/category/tanzania/)
- [France](https://aandbmake3.org/category/france/)
- [France](https://aandbmake3.org/fr/category/france-fr/)
- [Announcement](https://aandbmake3.org/category/announcement/)
- [Annonce](https://aandbmake3.org/fr/category/annonce/)
- [quiz](https://aandbmake3.org/category/quiz/)
- [quizz](https://aandbmake3.org/fr/category/quizz/)

## Tags

- [women](https://aandbmake3.org/tag/women/)
- [trainers](https://aandbmake3.org/tag/trainers/)
- [CITI](https://aandbmake3.org/tag/citi/)
- [conference](https://aandbmake3.org/tag/conference/)
- [event](https://aandbmake3.org/tag/event/)
- [financial education](https://aandbmake3.org/tag/financial-education/)
- [financial education](https://aandbmake3.org/tag/financial-education/)
- [enrich](https://aandbmake3.org/tag/enrich/)
- [training of trainers](https://aandbmake3.org/tag/training-of-trainers/)
- [migrants](https://aandbmake3.org/tag/migrants/)
- [children](https://aandbmake3.org/tag/children/)
- [Banteay Manchey](https://aandbmake3.org/tag/banteay-manchey/)
- [Enfants du Mekong](https://aandbmake3.org/tag/enfants-du-mekong/)
- [students](https://aandbmake3.org/tag/students/)
- [ngo staff](https://aandbmake3.org/tag/ngo-staff/)
- [low income families](https://aandbmake3.org/tag/low-income-families/)
- [social](https://aandbmake3.org/tag/social/)
- [business](https://aandbmake3.org/tag/business/)
- [factories](https://aandbmake3.org/tag/factories/)
- [Mothercare](https://aandbmake3.org/tag/mothercare/)
- [social responsibility](https://aandbmake3.org/tag/social-responsibility/)
- [impact](https://aandbmake3.org/tag/impact/)
- [low income families](https://aandbmake3.org/tag/low-income-families/)
- [This Life Cambodia](https://aandbmake3.org/tag/this-life-cambodia/)
- [new year](https://aandbmake3.org/tag/new-year/)
- [Canada](https://aandbmake3.org/tag/canada/)
- [financial literacy](https://aandbmake3.org/tag/financial-literacy/)
- [online training](https://aandbmake3.org/tag/online-training/)
- [Manila](https://aandbmake3.org/tag/manila/)
- [ICS](https://aandbmake3.org/tag/ics/)
- [Habitat](https://aandbmake3.org/tag/habitat/)
- [farmers](https://aandbmake3.org/tag/farmers/)
- [Soieries du Mekong](https://aandbmake3.org/tag/soieries-du-mekong/)
- [social enterprise](https://aandbmake3.org/tag/social-enterprise/)
- [behaviour](https://aandbmake3.org/tag/behaviour/)
- [brain](https://aandbmake3.org/tag/brain/)
- [decision taking](https://aandbmake3.org/tag/decision-taking/)
- [priorities](https://aandbmake3.org/tag/priorities/)
- [training ideas](https://aandbmake3.org/tag/training-ideas/)
- [ខ្មែរ](https://aandbmake3.org/tag/ខ្មែរ/)
- [ថវិកា](https://aandbmake3.org/tag/ថវិកា/)
- [បំណុល](https://aandbmake3.org/tag/បំណុល/)
- [លុយ](https://aandbmake3.org/tag/លុយ/)
- [Impactt](https://aandbmake3.org/tag/impactt/)
- [Teuk Saat 1001](https://aandbmake3.org/tag/teuk-saat-1001/)
- [Salabai](https://aandbmake3.org/tag/salabai/)
- [Enfants du Mekong](https://aandbmake3.org/tag/enfants-du-mekong/)
- [Passerelles Numeriques](https://aandbmake3.org/tag/passerelles-numeriques/)
- [accountability](https://aandbmake3.org/tag/accountability/)
- [debt](https://aandbmake3.org/tag/debt/)
- [real economy](https://aandbmake3.org/tag/real-economy/)
- [spending](https://aandbmake3.org/tag/spending/)
- [entrepreneur](https://aandbmake3.org/tag/entrepreneur/)
- [microbusiness](https://aandbmake3.org/tag/microbusiness/)
- [microcredit](https://aandbmake3.org/tag/microcredit/)
- [environment](https://aandbmake3.org/tag/environment/)
- [governance](https://aandbmake3.org/tag/governance/)
- [EdM Entrepreneurs](https://aandbmake3.org/tag/edm-entrepreneurs/)
- [impact](https://aandbmake3.org/tag/impact/)
- [France Volontaires](https://aandbmake3.org/tag/france-volontaires/)
- [INNO](https://aandbmake3.org/tag/inno/)
- [education](https://aandbmake3.org/tag/education/)
- [OECD](https://aandbmake3.org/tag/oecd/)
- [youth](https://aandbmake3.org/tag/youth/)
- [expenses](https://aandbmake3.org/tag/expenses/)
- [Enfance Foundation](https://aandbmake3.org/tag/enfance-foundation/)
- [Ranontsika](https://aandbmake3.org/tag/ranontsika/)
- [PHARE](https://aandbmake3.org/tag/phare/)
- [Bethezer](https://aandbmake3.org/tag/bethezer/)
- [dettes](https://aandbmake3.org/tag/dettes/)
- [needs assessment](https://aandbmake3.org/tag/needs-assessment/)
- [project management](https://aandbmake3.org/tag/project-management/)
- [training design](https://aandbmake3.org/tag/training-design/)
- [human-centered](https://aandbmake3.org/tag/human-centered/)
- [respect](https://aandbmake3.org/tag/respect/)
- [awareness](https://aandbmake3.org/tag/awareness/)
- [emotions](https://aandbmake3.org/tag/emotions/)
- [learning](https://aandbmake3.org/tag/learning/)
- [pictures](https://aandbmake3.org/tag/pictures/)
- [finance in pictures](https://aandbmake3.org/tag/finance-in-pictures/)
- [Planete Urgence](https://aandbmake3.org/tag/planete-urgence/)
- [mindfulness](https://aandbmake3.org/tag/mindfulness/)
- [budget](https://aandbmake3.org/tag/budget/)
- [immigrants](https://aandbmake3.org/tag/immigrants/)
- [Liger Learning Center](https://aandbmake3.org/tag/liger-learning-center/)
- [YEPP](https://aandbmake3.org/tag/yepp/)
- [donations](https://aandbmake3.org/tag/donations/)
- [economics](https://aandbmake3.org/tag/economics/)
- [responsibility](https://aandbmake3.org/tag/responsibility/)
- [Care](https://aandbmake3.org/tag/care/)
- [Levi Strauss Foundation](https://aandbmake3.org/tag/levi-strauss-foundation/)
- [APPEC](https://aandbmake3.org/tag/appec/)
- [diabetes](https://aandbmake3.org/tag/diabetes/)
- [financial diary](https://aandbmake3.org/tag/financial-diary/)
- [funding](https://aandbmake3.org/tag/funding/)
- [health issues](https://aandbmake3.org/tag/health-issues/)
- [holistic programme](https://aandbmake3.org/tag/holistic-programme/)
- [prevention](https://aandbmake3.org/tag/prevention/)
- [savings](https://aandbmake3.org/tag/savings/)
- [smoking](https://aandbmake3.org/tag/smoking/)
- [WASH](https://aandbmake3.org/tag/wash/)
- [expense management](https://aandbmake3.org/tag/expense-management/)
- [stories](https://aandbmake3.org/tag/stories/)
- [ethics](https://aandbmake3.org/tag/ethics/)
- [honesty](https://aandbmake3.org/tag/honesty/)
- [interest](https://aandbmake3.org/tag/interest/)
- [investment](https://aandbmake3.org/tag/investment/)
- [IKTMC](https://aandbmake3.org/tag/iktmc/)
- [GIZ](https://aandbmake3.org/tag/giz/)
- [Children of Asia](https://aandbmake3.org/tag/children-of-asia/)
- [caring connections](https://aandbmake3.org/tag/caring-connections/)
- [leadership](https://aandbmake3.org/tag/leadership/)
- [parenting](https://aandbmake3.org/tag/parenting/)
- [values](https://aandbmake3.org/tag/values/)
- [Save the Children](https://aandbmake3.org/tag/save-the-children/)
- [entrepreneurship](https://aandbmake3.org/tag/entrepreneurship/)
- [IDF](https://aandbmake3.org/tag/idf/)
- [Global Money Week](https://aandbmake3.org/tag/global-money-week/)
- [money tips](https://aandbmake3.org/tag/money-tips/)
- [Women's Resource Center](https://aandbmake3.org/tag/womens-resource-center/)
- [communication](https://aandbmake3.org/tag/communication/)
- [daily spending limit](https://aandbmake3.org/tag/daily-spending-limit/)
- [emergency](https://aandbmake3.org/tag/emergency/)
- [school teachers](https://aandbmake3.org/tag/school-teachers/)
- [debt](https://aandbmake3.org/tag/debt/)
- [ICS-SP](https://aandbmake3.org/tag/ics-sp/)
- [ពន្លកថ្មី](https://aandbmake3.org/tag/ពន្លកថ្មី/)
- [partnership](https://aandbmake3.org/tag/partnership/)
- [ពន្លកថ្មី](https://aandbmake3.org/tag/ពន្លកថ្មី/)
- [ICS-SP](https://aandbmake3.org/tag/ics-sp/)
- [educación financiera](https://aandbmake3.org/tag/educacion-financiera/)
- [fighting corruption](https://aandbmake3.org/tag/fighting-corruption/)
- [Anjali House](https://aandbmake3.org/tag/anjali-house/)
- [Possibilities World](https://aandbmake3.org/tag/possibilities-world/)
- [Siem Reap](https://aandbmake3.org/tag/siem-reap/)
- [money management](https://aandbmake3.org/tag/money-management/)
- [FAQ](https://aandbmake3.org/tag/faq/)
- [NGO](https://aandbmake3.org/tag/ngo/)
- [dépenses](https://aandbmake3.org/tag/depenses/)
- [dépenses nécessaires](https://aandbmake3.org/tag/depenses-necessaires/)
- [الأولاد](https://aandbmake3.org/tag/الأولاد/)
- [الثِقة](https://aandbmake3.org/tag/الثِقة/)
- [تعليم المالي](https://aandbmake3.org/tag/تعليم-المالي/)
- [مصروف الجيب](https://aandbmake3.org/tag/مصروف-الجيب/)
- [Kinshasa](https://aandbmake3.org/tag/kinshasa/)
- [civil servants](https://aandbmake3.org/tag/civil-servants/)
- [Ministry](https://aandbmake3.org/tag/ministry/)
- [consumers](https://aandbmake3.org/tag/consumers/)
- [responsible consumption](https://aandbmake3.org/tag/responsible-consumption/)
- [school](https://aandbmake3.org/tag/school/)
- [Corporate Social Responsibility](https://aandbmake3.org/tag/corporate-social-responsibility/)
- [CSR](https://aandbmake3.org/tag/csr/)
- [employees](https://aandbmake3.org/tag/employees/)
- [Lenlen Messina](https://aandbmake3.org/tag/lenlen-messina/)
- [saving for a project](https://aandbmake3.org/tag/saving-for-a-project/)
- [Union Bank of Philippines](https://aandbmake3.org/tag/union-bank-of-philippines/)
- [indicators](https://aandbmake3.org/tag/indicators/)
- [KPI](https://aandbmake3.org/tag/kpi/)
- [measure financial literacy](https://aandbmake3.org/tag/measure-financial-literacy/)
- [motivation](https://aandbmake3.org/tag/motivation/)
- [family services](https://aandbmake3.org/tag/family-services/)
- [financial crisis](https://aandbmake3.org/tag/financial-crisis/)
- [Islamic finance](https://aandbmake3.org/tag/islamic-finance/)
- [Minnesota](https://aandbmake3.org/tag/minnesota/)
- [PROP](https://aandbmake3.org/tag/prop/)
- [social workers](https://aandbmake3.org/tag/social-workers/)
- [Somali](https://aandbmake3.org/tag/somali/)
- [Friends International](https://aandbmake3.org/tag/friends-international/)
- [Thailand](https://aandbmake3.org/tag/thailand/)
- [أولاد](https://aandbmake3.org/tag/أولاد/)
- [الإفراط في الاستهلاك](https://aandbmake3.org/tag/الإفراط-في-الاستهلاك/)
- [الاحتيال المالي](https://aandbmake3.org/tag/الاحتيال-المالي/)
- [التعليم المالي](https://aandbmake3.org/tag/التعليم-المالي/)
- [الفساد](https://aandbmake3.org/tag/الفساد/)
- [الفكر النقدي](https://aandbmake3.org/tag/الفكر-النقدي/)
- [المدارس](https://aandbmake3.org/tag/المدارس/)
- [مخاطر الديون](https://aandbmake3.org/tag/مخاطر-الديون/)
- [مسؤولية](https://aandbmake3.org/tag/مسؤولية/)
- [drinking](https://aandbmake3.org/tag/drinking/)
- [GAEA Waste Management](https://aandbmake3.org/tag/gaea-waste-management/)
- [raising awareness](https://aandbmake3.org/tag/raising-awareness/)
- [Madagascar](https://aandbmake3.org/tag/madagascar/)
- [nutrition](https://aandbmake3.org/tag/nutrition/)
- [ASM2E](https://aandbmake3.org/tag/asm2e/)
- [mothers](https://aandbmake3.org/tag/mothers/)
- [schooling](https://aandbmake3.org/tag/schooling/)
- [Toamasina](https://aandbmake3.org/tag/toamasina/)
- [Bolaven Plateau](https://aandbmake3.org/tag/bolaven-plateau/)
- [bookkeeping](https://aandbmake3.org/tag/bookkeeping/)
- [coffee farmers](https://aandbmake3.org/tag/coffee-farmers/)
- [family cooperation](https://aandbmake3.org/tag/family-cooperation/)
- [Lao Women Union](https://aandbmake3.org/tag/lao-women-union/)
- [Outspan](https://aandbmake3.org/tag/outspan/)
- [Paksong](https://aandbmake3.org/tag/paksong/)
- [plan](https://aandbmake3.org/tag/plan/)
- [record](https://aandbmake3.org/tag/record/)
- [EDC](https://aandbmake3.org/tag/edc/)
- [ADB](https://aandbmake3.org/tag/adb/)
- [handicrafts](https://aandbmake3.org/tag/handicrafts/)
- [profit calculation](https://aandbmake3.org/tag/profit-calculation/)
- [Southern Laos](https://aandbmake3.org/tag/southern-laos/)
- [weavers](https://aandbmake3.org/tag/weavers/)
- [Ban Saphai](https://aandbmake3.org/tag/ban-saphai/)
- [family budget](https://aandbmake3.org/tag/family-budget/)
- [good money management habits](https://aandbmake3.org/tag/good-money-management-habits/)
- [managing money with spouse](https://aandbmake3.org/tag/managing-money-with-spouse/)
- [financial responsibility](https://aandbmake3.org/tag/financial-responsibility/)
- [Stella](https://aandbmake3.org/tag/stella/)
- [Vientiane](https://aandbmake3.org/tag/vientiane/)
- [wealth](https://aandbmake3.org/tag/wealth/)
- [husbands](https://aandbmake3.org/tag/husbands/)
- [Phnom Penh](https://aandbmake3.org/tag/phnom-penh/)
- [spending priorities](https://aandbmake3.org/tag/spending-priorities/)
- [cash transfers](https://aandbmake3.org/tag/cash-transfers/)
- [family budgeting](https://aandbmake3.org/tag/family-budgeting/)
- [ក្រុមគ្រួសារ](https://aandbmake3.org/tag/ក្រុមគ្រួសារ/)
- [គម្រោងថវិកា](https://aandbmake3.org/tag/គម្រោងថវិកា/)
- [គ្រប់គ្រងចំណាយ](https://aandbmake3.org/tag/គ្រប់គ្រងចំណាយ/)
- [ESUP](https://aandbmake3.org/tag/esup/)
- [Fondation Amadou Deme](https://aandbmake3.org/tag/fondation-amadou-deme/)
- [Dakar](https://aandbmake3.org/tag/dakar/)
- [practise sessions](https://aandbmake3.org/tag/practise-sessions/)
- [2IM](https://aandbmake3.org/tag/2im/)
- [Institut International de Management](https://aandbmake3.org/tag/institut-international-de-management/)
- [managing first salary](https://aandbmake3.org/tag/managing-first-salary/)
- [Sitor Ndour](https://aandbmake3.org/tag/sitor-ndour/)
- [entreprenariat](https://aandbmake3.org/tag/entreprenariat/)
- [ISM](https://aandbmake3.org/tag/ism/)
- [children's financial education](https://aandbmake3.org/tag/childrens-financial-education/)
- [controlling expenses](https://aandbmake3.org/tag/controlling-expenses/)
- [GIE UTAS](https://aandbmake3.org/tag/gie-utas/)
- [Sokone](https://aandbmake3.org/tag/sokone/)
- [អង្គការកុមារអាស៊ីក្នុង](https://aandbmake3.org/tag/អង្គការកុមារអាស៊ីក្នុង/)
- [agriculture](https://aandbmake3.org/tag/agriculture/)
- [Lycée Privé Amadou Dème de Sokone](https://aandbmake3.org/tag/lycee-prive-amadou-deme-de-sokone/)
- [Association Succès Madagascar Education et Environnement](https://aandbmake3.org/tag/association-succes-madagascar-education-et-environnement/)
- [Vatomandry](https://aandbmake3.org/tag/vatomandry/)
- [profit](https://aandbmake3.org/tag/profit/)
- [time management](https://aandbmake3.org/tag/time-management/)
- [manage festivals and ceremonies](https://aandbmake3.org/tag/manage-festivals-and-ceremonies/)
- [risk management](https://aandbmake3.org/tag/risk-management/)
- [raising financially responsible children](https://aandbmake3.org/tag/raising-financially-responsible-children/)
- [FOLECO](https://aandbmake3.org/tag/foleco/)
- [participative method](https://aandbmake3.org/tag/participative-method/)
- [école Lusay](https://aandbmake3.org/tag/ecole-lusay/)
- [ONG Lumière](https://aandbmake3.org/tag/ong-lumiere/)
- [managing a salary](https://aandbmake3.org/tag/managing-a-salary/)
- [salary arrears](https://aandbmake3.org/tag/salary-arrears/)
- [cash forecast](https://aandbmake3.org/tag/cash-forecast/)
- [cash management](https://aandbmake3.org/tag/cash-management/)
- [baguettes seller](https://aandbmake3.org/tag/baguettes-seller/)
- [getting out of debt](https://aandbmake3.org/tag/getting-out-of-debt/)
- [ESL](https://aandbmake3.org/tag/esl/)
- [Metro South ABE](https://aandbmake3.org/tag/metro-south-abe/)
- [living expenses](https://aandbmake3.org/tag/living-expenses/)
- [money is limited](https://aandbmake3.org/tag/money-is-limited/)
- [shopping](https://aandbmake3.org/tag/shopping/)
- [work](https://aandbmake3.org/tag/work/)
- [Cebu](https://aandbmake3.org/tag/cebu/)
- [credit cards](https://aandbmake3.org/tag/credit-cards/)
- [credit reports](https://aandbmake3.org/tag/credit-reports/)
- [credit score](https://aandbmake3.org/tag/credit-score/)
- [scam](https://aandbmake3.org/tag/scam/)
- [job readiness](https://aandbmake3.org/tag/job-readiness/)
- [impact survey](https://aandbmake3.org/tag/impact-survey/)
- [Australian Aid](https://aandbmake3.org/tag/australian-aid/)
- [Bank of the Lao PDR](https://aandbmake3.org/tag/bank-of-the-lao-pdr/)
- [GIZ-AFP](https://aandbmake3.org/tag/giz-afp/)
- [Pakse](https://aandbmake3.org/tag/pakse/)
- [business ideas](https://aandbmake3.org/tag/business-ideas/)
- [income generation](https://aandbmake3.org/tag/income-generation/)
- [starting a business](https://aandbmake3.org/tag/starting-a-business/)
- [Champassak](https://aandbmake3.org/tag/champassak/)
- [Luang Namtha](https://aandbmake3.org/tag/luang-namtha/)
- [small businesses](https://aandbmake3.org/tag/small-businesses/)
- [business literacy](https://aandbmake3.org/tag/business-literacy/)
- [pilot](https://aandbmake3.org/tag/pilot/)
- [Vieng Phou Kha](https://aandbmake3.org/tag/vieng-phou-kha/)
- [villagers](https://aandbmake3.org/tag/villagers/)
- [families](https://aandbmake3.org/tag/families/)
- [parents](https://aandbmake3.org/tag/parents/)
- [Sisophon](https://aandbmake3.org/tag/sisophon/)
- [គ្រួសារ](https://aandbmake3.org/tag/គ្រួសារ/)
- [ចំណាយ](https://aandbmake3.org/tag/ចំណាយ/)
- [ការគ្រប់គ្រងប្រាក់សម្រាប់គ្រួសារ](https://aandbmake3.org/tag/ការគ្រប់គ្រងប្រាក់សម្រ/)
- [ត្តស៊ីសុផុន](https://aandbmake3.org/tag/ត្តស៊ីសុផុន/)
- [ភ្នំពេញ](https://aandbmake3.org/tag/ភ្នំពេញ/)
- [ASCOVI](https://aandbmake3.org/tag/ascovi/)
- [ចំណេញ](https://aandbmake3.org/tag/ចំណេញ/)
- [ប្រទេសកម្ពុជា](https://aandbmake3.org/tag/ប្រទេសកម្ពុជា/)
- [ព្យាករណ៍សាច់ប្រាក់](https://aandbmake3.org/tag/ព្យាករណ៍សាច់ប្រាក់/)
- [អាជីវកម្ម](https://aandbmake3.org/tag/អាជីវកម្ម/)
- [ឪពុកម្តាយ](https://aandbmake3.org/tag/ឪពុកម្តាយ/)
- [mototaxis](https://aandbmake3.org/tag/mototaxis/)
- [gardeners](https://aandbmake3.org/tag/gardeners/)
- [diplomas](https://aandbmake3.org/tag/diplomas/)
- [Coronavirus](https://aandbmake3.org/tag/coronavirus/)
- [covid-19](https://aandbmake3.org/tag/covid-19/)
- [lockdown](https://aandbmake3.org/tag/lockdown/)
- [loss of income](https://aandbmake3.org/tag/loss-of-income/)
- [solidarity](https://aandbmake3.org/tag/solidarity/)
- [debt cancellation](https://aandbmake3.org/tag/debt-cancellation/)
- [debt relief](https://aandbmake3.org/tag/debt-relief/)
- [high school students](https://aandbmake3.org/tag/high-school-students/)
- [financial difficulties](https://aandbmake3.org/tag/financial-difficulties/)
- [survey](https://aandbmake3.org/tag/survey/)
- [APFEP](https://aandbmake3.org/tag/apfep/)
- [growing money](https://aandbmake3.org/tag/growing-money/)
- [money myths](https://aandbmake3.org/tag/money-myths/)
- [Apprentis d'Auteuil](https://aandbmake3.org/tag/apprentis-dauteuil/)
- [street youth](https://aandbmake3.org/tag/street-youth/)
- [cash accounting](https://aandbmake3.org/tag/cash-accounting/)
- [Apprentis d'Auteuil](https://aandbmake3.org/fr/tag/apprentis-dauteuil-fr/)
- [entreprenariat](https://aandbmake3.org/fr/tag/entreprenariat-fr/)
- [formation de formateurs](https://aandbmake3.org/fr/tag/formation-de-formateurs/)
- [Kinshasa](https://aandbmake3.org/fr/tag/kinshasa-fr/)
- [comptabilité de caisse](https://aandbmake3.org/fr/tag/comptabilite-de-caisse/)
- [fructifier argent](https://aandbmake3.org/fr/tag/fructifier-argent/)
- [investissement](https://aandbmake3.org/fr/tag/investissement-fr/)
- [mythes sur l'argent](https://aandbmake3.org/fr/tag/mythes-sur-largent-fr/)
- [APFEP](https://aandbmake3.org/fr/tag/apfep-fr/)
- [budget](https://aandbmake3.org/fr/tag/budget-fr/)
- [étudiants](https://aandbmake3.org/fr/tag/etudiants/)
- [partenaires](https://aandbmake3.org/fr/tag/partenaires-fr/)
- [difficultés financières](https://aandbmake3.org/fr/tag/difficultes-financieres-fr/)
- [sondage](https://aandbmake3.org/fr/tag/sondage-fr/)
- [désendettement](https://aandbmake3.org/fr/tag/desendettement-fr/)
- [Enfants du Mekong](https://aandbmake3.org/fr/tag/enfants-du-mekong-fr/)
- [lycéens](https://aandbmake3.org/fr/tag/lyceens-fr/)
- [Sisophon](https://aandbmake3.org/fr/tag/sisophon-fr/)
- [annulation des dettes](https://aandbmake3.org/fr/tag/annulation-des-dettes/)
- [confinement](https://aandbmake3.org/fr/tag/confinement-fr/)
- [Coronavirus](https://aandbmake3.org/fr/tag/coronavirus-fr/)
- [covid-19](https://aandbmake3.org/fr/tag/covid-19-fr/)
- [dettes](https://aandbmake3.org/fr/tag/dettes-fr/)
- [perte de revenu](https://aandbmake3.org/fr/tag/perte-de-revenu/)
- [solidarité](https://aandbmake3.org/fr/tag/solidarite-fr/)
- [urgences](https://aandbmake3.org/fr/tag/urgences/)
- [ASM2E](https://aandbmake3.org/fr/tag/asm2e-fr/)
- [Association Succès Madagascar Education et Environnement](https://aandbmake3.org/fr/tag/association-succes-madagascar-education-et-environnement-fr/)
- [gestion de l'argent](https://aandbmake3.org/fr/tag/gestion-de-largent/)
- [remise des diplômes](https://aandbmake3.org/fr/tag/remise-des-diplomes/)
- [budget familial](https://aandbmake3.org/fr/tag/budget-familial/)
- [gestion des priorités](https://aandbmake3.org/fr/tag/gestion-des-priorites/)
- [maraîchage](https://aandbmake3.org/fr/tag/maraichage-fr/)
- [mototaxis](https://aandbmake3.org/fr/tag/mototaxis-fr/)
- [petites entreprises](https://aandbmake3.org/fr/tag/petites-entreprises/)
- [revenus irréguliers](https://aandbmake3.org/fr/tag/revenus-irreguliers/)
- [calcul de profit](https://aandbmake3.org/fr/tag/calcul-de-profit/)
- [micro-entreprise](https://aandbmake3.org/fr/tag/micro-entreprise/)
- [parents](https://aandbmake3.org/fr/tag/parents-fr/)
- [Phnom Penh](https://aandbmake3.org/fr/tag/phnom-penh-fr/)
- [prévision de caisse](https://aandbmake3.org/fr/tag/prevision-de-caisse/)
- [APPEC](https://aandbmake3.org/fr/tag/appec-fr/)
- [ASCOVI](https://aandbmake3.org/fr/tag/ascovi-fr/)
- [priorités de dépenses](https://aandbmake3.org/fr/tag/priorites-de-depenses/)
- [épargne](https://aandbmake3.org/fr/tag/epargne-fr/)
- [étude d'impact](https://aandbmake3.org/fr/tag/etude-dimpact/)
- [réduction des dépenses](https://aandbmake3.org/fr/tag/reduction-des-depenses-fr/)
- [gestion du temps](https://aandbmake3.org/fr/tag/gestion-du-temps/)
- [limite de dépenses journalière](https://aandbmake3.org/fr/tag/limite-de-depenses-journaliere-fr/)
- [Lycée Privé Amadou Dème de Sokone](https://aandbmake3.org/fr/tag/lycee-prive-amadou-deme-de-sokone-fr/)
- [femmes](https://aandbmake3.org/fr/tag/femmes/)
- [tenue des comptes](https://aandbmake3.org/fr/tag/tenue-des-comptes-fr/)
- [vendeuse de baguettes](https://aandbmake3.org/fr/tag/vendeuse-de-baguettes/)
- [arriérés de salaires](https://aandbmake3.org/fr/tag/arrieres-de-salaires/)
- [école Lusay](https://aandbmake3.org/fr/tag/ecole-lusay-fr/)
- [enseignants](https://aandbmake3.org/fr/tag/enseignants-fr/)
- [gestion d'un salaire](https://aandbmake3.org/fr/tag/gestion-dun-salaire/)
- [ONG Lumière](https://aandbmake3.org/fr/tag/ong-lumiere-fr/)
- [FOLECO](https://aandbmake3.org/fr/tag/foleco-fr/)
- [méthode participative](https://aandbmake3.org/fr/tag/methode-participative/)
- [communication](https://aandbmake3.org/fr/tag/communication-fr/)
- [éducation financière des enfants](https://aandbmake3.org/fr/tag/education-financiere-des-enfants-fr/)
- [gérer les fêtes et cérémonies](https://aandbmake3.org/fr/tag/gerer-les-fetes-et-ceremonies/)
- [gestion des risques](https://aandbmake3.org/fr/tag/gestion-des-risques/)
- [planifier](https://aandbmake3.org/fr/tag/planifier/)
- [prévention](https://aandbmake3.org/fr/tag/prevention-fr/)
- [rentabilité](https://aandbmake3.org/fr/tag/rentabilite-fr/)
- [éducation financière](https://aandbmake3.org/fr/tag/education-financiere-fr/)
- [familles](https://aandbmake3.org/fr/tag/familles-fr/)
- [mères de famille](https://aandbmake3.org/fr/tag/meres-de-famille/)
- [Vatomandry](https://aandbmake3.org/fr/tag/vatomandry-fr/)
- [agriculture](https://aandbmake3.org/fr/tag/agriculture-fr/)
- [projet agricole](https://aandbmake3.org/fr/tag/projet-agricole/)
- [Fondation Amadou Deme](https://aandbmake3.org/fr/tag/fondation-amadou-deme-fr/)
- [GIE UTAS](https://aandbmake3.org/fr/tag/gie-utas-fr/)
- [jeunes](https://aandbmake3.org/fr/tag/jeunes-fr/)
- [Sokone](https://aandbmake3.org/fr/tag/sokone-fr/)
- [contrôle des dépenses](https://aandbmake3.org/fr/tag/controle-des-depenses/)
- [Dakar](https://aandbmake3.org/fr/tag/dakar-fr/)
- [ISM](https://aandbmake3.org/fr/tag/ism-fr/)
- [ESUP](https://aandbmake3.org/fr/tag/esup-fr/)
- [2IM](https://aandbmake3.org/fr/tag/2im-fr/)
- [événement](https://aandbmake3.org/fr/tag/evenement-fr/)
- [gestion d'un premier salaire](https://aandbmake3.org/fr/tag/gestion-dun-premier-salaire/)
- [Institut International de Management](https://aandbmake3.org/fr/tag/institut-international-de-management-fr/)
- [Sitor Ndour](https://aandbmake3.org/fr/tag/sitor-ndour-fr/)
- [Save the Children](https://aandbmake3.org/fr/tag/save-the-children-fr/)
- [villageois](https://aandbmake3.org/fr/tag/villageois/)
- [session d'entrainement](https://aandbmake3.org/fr/tag/session-dentrainement/)
- [transferts de cash](https://aandbmake3.org/fr/tag/transferts-de-cash/)
- [endettement](https://aandbmake3.org/fr/tag/endettement-fr/)
- [se désendetter](https://aandbmake3.org/fr/tag/se-desendetter/)
- [travailleurs sociaux](https://aandbmake3.org/fr/tag/travailleurs-sociaux/)
- [agriculteurs](https://aandbmake3.org/fr/tag/agriculteurs/)
- [Bolaven Plateau](https://aandbmake3.org/fr/tag/bolaven-plateau-fr/)
- [café](https://aandbmake3.org/fr/tag/cafe/)
- [Outspan](https://aandbmake3.org/fr/tag/outspan-fr/)
- [revenu annuel](https://aandbmake3.org/fr/tag/revenu-annuel/)
- [gestion des dépenses](https://aandbmake3.org/fr/tag/gestion-des-depenses-fr/)
- [nutrition](https://aandbmake3.org/fr/tag/nutrition-fr/)
- [priorités](https://aandbmake3.org/fr/tag/priorites/)
- [scolarité](https://aandbmake3.org/fr/tag/scolarite/)
- [comportement](https://aandbmake3.org/fr/tag/comportement/)
- [indicateurs](https://aandbmake3.org/fr/tag/indicateurs-fr/)
- [KPI](https://aandbmake3.org/fr/tag/kpi-fr/)
- [mesurer l'impact de l'éducation financière](https://aandbmake3.org/fr/tag/mesurer-limpact-de-leducation-financiere/)
- [motivation](https://aandbmake3.org/fr/tag/motivation-fr/)
- [dépenses](https://aandbmake3.org/fr/tag/depenses-fr/)
- [fonctionnaires](https://aandbmake3.org/fr/tag/fonctionnaires-fr/)
- [Ministère](https://aandbmake3.org/fr/tag/ministere/)
- [consommateurs](https://aandbmake3.org/fr/tag/consommateurs/)
- [dépenses nécessaires](https://aandbmake3.org/fr/tag/depenses-necessaires-fr/)
- [engagements](https://aandbmake3.org/fr/tag/engagements-fr/)
- [mariage](https://aandbmake3.org/fr/tag/mariage/)
- [entrepreneur](https://aandbmake3.org/fr/tag/entrepreneur-fr/)
- [microcrédit](https://aandbmake3.org/fr/tag/microcredit-fr/)
- [cigale et fourmi](https://aandbmake3.org/fr/tag/cigale-et-fourmi-fr/)
- [école](https://aandbmake3.org/fr/tag/ecole-fr/)
- [semaine de l'argent](https://aandbmake3.org/fr/tag/semaine-de-largent/)
- [familles à bas revenus](https://aandbmake3.org/fr/tag/familles-a-bas-revenus-fr/)
- [enfants](https://aandbmake3.org/fr/tag/enfants-fr/)
- [responsabilité](https://aandbmake3.org/fr/tag/responsabilite/)
- [exposition](https://aandbmake3.org/fr/tag/exposition-fr/)
- [la finance en images](https://aandbmake3.org/fr/tag/la-finance-en-images-fr/)
- [éthique](https://aandbmake3.org/fr/tag/ethique-fr/)
- [finance en images](https://aandbmake3.org/fr/tag/finance-en-images/)
- [intérêt](https://aandbmake3.org/fr/tag/interet-fr/)
- [ONG](https://aandbmake3.org/fr/tag/ong/)
- [programmes de formation](https://aandbmake3.org/fr/tag/programmes-de-formation/)
- [Radio France Internationale](https://aandbmake3.org/fr/tag/radio-france-internationale-fr/)
- [RFI](https://aandbmake3.org/fr/tag/rfi-fr/)
- [Soieries du Mekong](https://aandbmake3.org/fr/tag/soieries-du-mekong-fr/)
- [formateurs](https://aandbmake3.org/fr/tag/formateurs/)
- [social](https://aandbmake3.org/fr/tag/social-fr/)
- [entreprise sociale](https://aandbmake3.org/fr/tag/entreprise-sociale-fr/)
- [impact](https://aandbmake3.org/fr/tag/impact-fr/)
- [immigrés](https://aandbmake3.org/fr/tag/immigres-fr/)
- [entreprise](https://aandbmake3.org/fr/tag/entreprise-fr/)
- [Mothercare](https://aandbmake3.org/fr/tag/mothercare-fr/)
- [usines](https://aandbmake3.org/fr/tag/usines/)
- [espagnol](https://aandbmake3.org/fr/tag/espagnol-fr/)
- [CITI](https://aandbmake3.org/fr/tag/citi-fr/)
- [conférence](https://aandbmake3.org/fr/tag/conference-fr/)
- [Yunnan](https://aandbmake3.org/fr/tag/yunnan-fr/)
- [entrepreneuriat](https://aandbmake3.org/fr/tag/entrepreneuriat/)
- [bénéfice](https://aandbmake3.org/fr/tag/benefice/)
- [wedding](https://aandbmake3.org/tag/wedding/)
- [besoins et envies](https://aandbmake3.org/fr/tag/besoins-et-envies/)
- [Marseille](https://aandbmake3.org/fr/tag/marseille/)
- [RSA](https://aandbmake3.org/fr/tag/rsa/)
- [South East Asia](https://aandbmake3.org/tag/south-east-asia/)
- [Asie du Sud-Est](https://aandbmake3.org/fr/tag/asie-du-sud-est/)
- [formation en ligne](https://aandbmake3.org/fr/tag/formation-en-ligne/)
- [employés d'ONG](https://aandbmake3.org/fr/tag/employes-dong/)
- [consommation responsable](https://aandbmake3.org/fr/tag/consommation-responsable/)
- [changement climatique](https://aandbmake3.org/fr/tag/changement-climatique/)
- [global warming](https://aandbmake3.org/tag/global-warming/)
- [climate change](https://aandbmake3.org/tag/climate-change/)
- [Projet Sandratra](https://aandbmake3.org/tag/projet-sandratra/)
- [Projet Sandratra](https://aandbmake3.org/fr/tag/projet-sandratra-fr/)
- [jeunes en situation de rue](https://aandbmake3.org/fr/tag/jeunes-en-situation-de-rue/)
- [SAHI](https://aandbmake3.org/tag/sahi/)
- [Manakara](https://aandbmake3.org/tag/manakara/)
- [Manakara](https://aandbmake3.org/fr/tag/manakara-fr/)
- [SAHI](https://aandbmake3.org/fr/tag/sahi-fr/)
- [frais de scolarité](https://aandbmake3.org/fr/tag/frais-de-scolarite/)
- [programme design](https://aandbmake3.org/tag/programme-design/)
- [conception de programmes](https://aandbmake3.org/fr/tag/conception-de-programmes/)
- [poverty](https://aandbmake3.org/tag/poverty/)
- [webinar](https://aandbmake3.org/tag/webinar/)
- [pauvreté](https://aandbmake3.org/fr/tag/pauvrete/)
- [webinaire](https://aandbmake3.org/fr/tag/webinaire/)
- [pocket money](https://aandbmake3.org/tag/pocket-money/)
- [wébinaire](https://aandbmake3.org/fr/tag/webinaire-2/)
- [argent de poche](https://aandbmake3.org/fr/tag/argent-de-poche/)
- [retirement](https://aandbmake3.org/tag/retirement/)
- [matrimonial laws](https://aandbmake3.org/tag/matrimonial-laws/)
- [financial abuse](https://aandbmake3.org/tag/financial-abuse/)
- [wage gap](https://aandbmake3.org/tag/wage-gap/)
- [motherhood gap](https://aandbmake3.org/tag/motherhood-gap/)
- [écart maternel](https://aandbmake3.org/fr/tag/ecart-maternel/)
- [écart salarial](https://aandbmake3.org/fr/tag/ecart-salarial/)
- [bien-être des enfants](https://aandbmake3.org/fr/tag/bien-etre-des-enfants/)
- [lois matrimoniales](https://aandbmake3.org/fr/tag/lois-matrimoniales/)
- [abus financiers](https://aandbmake3.org/fr/tag/abus-financiers/)
- [retraite](https://aandbmake3.org/fr/tag/retraite/)
- [business](https://aandbmake3.org/fr/tag/business-fr/)
- [vocational students](https://aandbmake3.org/tag/vocational-students/)
- [formation professionnelle](https://aandbmake3.org/fr/tag/formation-professionnelle/)
- [Friends-International](https://aandbmake3.org/tag/friends-international-2/)
- [self-employment](https://aandbmake3.org/tag/self-employment/)
- [travail indépendant](https://aandbmake3.org/fr/tag/travail-independant/)
- [Friends-International](https://aandbmake3.org/fr/tag/friends-international-2-fr/)
- [Handicap Inclusion](https://aandbmake3.org/tag/handicap-inclusion/)
- [DREN](https://aandbmake3.org/tag/dren/)
- [Vavatenina](https://aandbmake3.org/tag/vavatenina/)
- [Mahanoro](https://aandbmake3.org/tag/mahanoro/)
- [handicapped children](https://aandbmake3.org/tag/handicapped-children/)
- [génération de revenus](https://aandbmake3.org/tag/generation-de-revenus/)
- [DREN](https://aandbmake3.org/fr/tag/dren-fr/)
- [Handicap Inclusion](https://aandbmake3.org/fr/tag/handicap-inclusion-fr/)
- [handicapped children](https://aandbmake3.org/fr/tag/handicapped-children-fr/)
- [income generation](https://aandbmake3.org/fr/tag/income-generation-fr/)
- [Mahanoro](https://aandbmake3.org/fr/tag/mahanoro-fr/)
- [Vavatenina](https://aandbmake3.org/fr/tag/vavatenina-fr/)
- [génération de revenus](https://aandbmake3.org/fr/tag/generation-de-revenus-fr/)
- [prison](https://aandbmake3.org/tag/prison/)
- [gambling](https://aandbmake3.org/tag/gambling/)
- [health](https://aandbmake3.org/tag/health/)
- [prison](https://aandbmake3.org/fr/tag/prison-fr/)
- [jeu](https://aandbmake3.org/fr/tag/jeu/)
- [20 years](https://aandbmake3.org/tag/20-years/)
- [20 ans](https://aandbmake3.org/fr/tag/20-ans/)
- [dissaving](https://aandbmake3.org/tag/dissaving/)
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