.png)
The publication was prepared as part of a joint project of the Ministry of Finance Russian Federation and World Bank“Promoting the level of financial literacy population and the development of financial education in the Russian Federation ».
In grades 8–9, children study at the age of 14–16, when, from a legal point of view, they acquire some of the rights and obligations, including in the financial sphere. Therefore, it becomes necessary to teach teenagers the skills that will be needed for optimal behavior in the modern conditions of the financial world.
At the same time, students in grades 8-9 are able to expand their horizons in financial matters due to the development of general intellectual abilities formed by the school. Also at this age, the personal self-determination of schoolchildren begins to be carried out, they pass into adulthood, mastering some new roles for themselves as an adult. Therefore, in the course of training, it is important to rely on the personal needs of the student, not only to form in him the ability to act in the field of finance, but also to connect the internal mechanisms of the student's self-determination. You need to teach him not to be afraid of adulthood and show that there are algorithms for action in certain situations of a financial nature. At the same time, the main skill formed in students is the ability to evaluate financial situation, choose the most appropriate solution to the problem of the family.
In this course, budgeting is considered at a more complex level than in previous classes, the issues of long-term family budget planning are explored, and special attention is paid to personal budget planning.
Considerable attention is paid to the formation of the competence of search, selection, analysis and interpretation financial information from various sources, both electronic and paper.
Most of the time is devoted to practical activities to gain experience in an extended range (compared to previous classes) of financial relations.
Financial Literacy: A Curriculum. Grades 8 - 9 of a general educational organization (basic general education)
Training program
Financial Literacy: guidelines for the teacher. 8 - 9 classes of a general educational organization
.png)
Methodical recommendations for the teacher
.png)
Russia came to grips with increasing the literacy of the population in the field of economics and spending money. And soon all secondary schools will begin teaching a completely new subject-financial literacy. This year, only a few regions of the country have started the process, but by 2015, such education is planned in all schools.
The subject will be optional and will be designed for 34 academic hours. The presentation of the material is designed for grades 1-11.
The country's leadership is confident that this measure will help schoolchildren survive the crisis in the country. And the inhabitants, on the contrary, show enviable composure, hoping for a chance. They are completely ignorant of the issues of savings and co-financing of pension savings.
Although even a first-grader needs to know such a letter about money in our country. The school course will include such topics and concepts: money and transactions with them; managing the family budget; rewards and risky trades. Also, schoolchildren will be explained for what purposes, personal savings are made and whether there is any benefit from them.
However, since this topic is new and complex for schoolchildren, it will be presented in a theoretical game form. The main thing in this program is to give children an understanding of the minimum necessary in life in order to protect them from gross mistakes with money in adulthood.
Naturally, before starting to present such material, teachers will first have to learn on their own in order to have an idea about the subject and its intricacies.
“Financial literacy lessons at school” are necessary, because young student borrowers who apply to a bank often do not understand that they need to repay a loan with annuity payments. In other words, you need to pay the same amount every month. The amount includes the principal amount and accrued interest on the loan.
Such people think differently, believing that initially it is necessary to pay the principal amount of the debt, and after that the interest. As a result, they mislead themselves that the debts have already been paid to the bank. The result is disappointment and rudeness.
The lessons on handling money will not be similar to the course "Economics and Finance", do not confuse them. It will be a completely different direction.
But before explaining the wisdom of economics to children, they must first be explained to those teachers who will teach this to children. After all, many of the teachers themselves do not understand anything about this. Therefore, in addition to the basic school course, they will also take a special course for adults.
They will be explained the intricacies of the benefits of investment, the usefulness valuable papers. Safe conduct of various banking operations and much more. Submission of material for teachers will include both oral presentation of the material and printed versions of all the necessary knowledge. In addition, they will have access to lectures with video demonstration material that will reveal the essence of real cases of fraud and the correct management of monetary situations.
In addition, financial responsibility in high school should include more comprehensive information than simple understanding. credit systems, investments and other financial instruments.
They must be informed and explained the rights and obligations assumed when working with Financial and credit products.
First of all, literacy lessons at school should contain information about deposits and loans. And also about where and how to arrange them. The same repents plastic cards, their safe use. It is important to convey to the understanding of schoolchildren the benefits of using plastic cards.
It is necessary to teach even kids how to use bank cards. Yes, do not be surprised, because children abroad are able to do this, and ours are even worse.
Naturally, the division of schools into levels of difficulty and accreditation will also be taken into account. In other words, the program will be made so accessible that even a 6-year-old child can understand it.
The design of the program is of course very costly, given the training and preparation of materials and teachers. But with the systematic achievement of the goal, such investments will pay off in full.
The government of the country, introducing educational projects in terms of increasing the literacy of the population in matters of dealing with money, expects that people will at least slightly approach the foreign level and thereby balance the financial market a little.
Let's see what will come out of this, it's too early to judge the project has not yet fully started working, which means that there are no results for conclusion yet.
In addition to school optional work on these issues, mass work will be carried out throughout the country aimed at increasing the overall level of financial literacy of people. Which in the end should benefit both the country and the people and economic situation generally.
Giving your child financial literacy skills now means securing and protecting them in the future.
Everyone knows what money is, what you can buy with it. But does everyone really know how to use them? It is worth learning now from the example of people who have accumulated billions like D.D. Rockefeller. He started earning at a very young age.
Finally, people realized that, contrary to the stereotype that has developed in Russia in the recent past, this topic should be touched not only by people who work in the financial market.
The earlier a student begins to develop financial literacy, the more conscious attitude to money can be brought up.
In the end, going through financial literacy training now means not solving the question of how to remove children from your neck tomorrow.
It's amazing how important understanding finance is! Every area of our life is connected with money, it influences everything.
The government also saw the weak financial literacy of the population. In 2017, a strategy was approved to eliminate illiteracy in monetary matters, calculated until 2023.
a. At 18 years old;
b. From the age of 14 with parental consent; br> c. Since birth;
d. After applying for a job (ed.)
a. 100,000 rubles;
b. 110,000 rubles;
c. 121,000 rubles;
d. 200,000 rubles;
a. Contribution, debit card, credit
b. Mutual investment fund, deposit, individual investment account
c. Endowment insurance life, deposit, debit card
d. Investment insurance life, contribution, mutual fund, credit card.
The topic of finance is the basic component of a successful future person. In our center, a special literacy course has been developed, where children get acquainted with the topic of money in an accessible form and learn to use the knowledge gained every day.
The main task of the classes is to introduce students to the basic concepts, to give a general idea of how the world works. And also to teach schoolchildren how to manage finances, plan a budget, save money correctly, and also strive to earn money.
Financial literacy training for schoolchildren gives instructions for every day to form a “billionaire mindset”, save money, and increase income.
Based on different approaches, we have developed a system of correct simple techniques so that schoolchildren not only hear them, but begin to apply the information received about finance in life for every day right now.
Our course is not a simple lesson. Schoolchildren receive theoretical knowledge, literacy and working practical methods to use them every day.
The most interesting thing is that students can do it now!
All parents are probably familiar with the problem “I WANT! BUY! NOW!" The result of this conversation is usually either spending a tidy sum from the purse of the parents or resentment and tears of the student. There is a solution to the problem - to teach the child not to make impulsive purchases, but to analyze and set financial goals.
For example, a child loves kinders, constantly asks for them. At the same time, he wants a new expensive toy or a telephone (for example, the price of this thing is 5000 rubles). We will show the student how he can save money, manage pocket money, small purchases or gifts correctly. The amount to be accumulated is 5000 r. Kinder price - 60 rubles. That is, putting aside the 1st kinder per day, the child will receive the toy he wants in 2.5 months. As a result, the student is proud of himself, because he himself achieved the desired goal, the parent every day does not listen to “I want - I want - I want!” and the apartment is not littered with rubbish.
Let's get acquainted with "adult" tools and take the first step to financial independence in future.
The course has an "adult" block about investments, stocks, credit cards. Here, children will learn a little about the world of finance, and also understand how they can participate in it now in order to gain freedom and independence in the future. We will figure out how you can competently make a contribution, receive interest from gifts from parents and grandmothers. We will try to calculate how profitable our investment is.
Financial literacy trainings create a "millionaire mindset" - the ability to use money correctly, treat it with confidence, believe in one's own strengths and look boldly into the future.
This is really important for the development of the correct financial thinking of the student, the ability not only to use funds, but also to earn money by increasing their capital.
The Rockefeller School program will help the child understand the world of finance.
Schoolchildren will see money from a new perspective, and finance will become an interesting tool for them, and not just a way to buy something.
Our trainings are practice! The guys themselves solve interesting life cases
Judging by the feedback from the participants of previous groups, the course exceeded their expectations in terms of its usefulness and richness!
Some graduates became so interested in the world of finance that they opened their own business after the course.
The most profitable investment for financially literate parents - education of children. Sign up for the course and make a contribution to the successful future of the child now.
Course format:
In 2015/2016 academic year in 8 Kaliningrad educational institutions an experimental course on financial literacy for schoolchildren was tested.
Simultaneously with the Kaliningrad region, testing of financial literacy classes was held in four other regions participating in the Project: Volgograd, Arkhangelsk regions, as well as in the Altai and Krasnodar regions.
In our region, nine general educational institutions took part in the approbation educational institutions: schools No. 12, 31 and 47 of the city of Kaliningrad, Lugovskaya school of the Guryevsky district, lyceum No. 10 of the city of Sovetsk, Cadet Corps. A. the First-Called, as well as the College of Service and Tourism and the College of Entrepreneurship. In general, more than 1,000 students took part in the financial literacy classes.
The school schedule for experimental classes provided for 17 hours of study (that is, 1 hour per week), twice the number for grades 10-11 - 34 hours (2 hours per week). At the same time, educational materials for grades 10-11 are divided into profiles: for economic, legal, mathematical profile and basic level.
The course included two stages of monitoring the level of financial literacy of teachers and parents: “input” (preliminary) and final testing.
In total, 83 textbooks were developed for testing the lessons, which are included in 17 educational and methodological sets. Specially designed textbooks on financial literacy are provided for different groups of students: grades 2-4, grades 5-7, grades 8-9 and grades 10-11 of general education schools, as well as students of secondary vocational education institutions and students of boarding schools. Methodical recommendations for teachers, control and measuring materials, didactic materials for parents and manuals for individual work. For individual lessons, the materials are divided into modules: “Banks”, “ Stock market”, “Own business”, “Financial risks”, “Insurance”, “Pension provision”.
Based on the results of the approbation, the experience of the regions in which the approbation was carried out will be taken into account, training materials will be corrected and distributed throughout Russia by the end of 2018.
Educational materials are available for download:
2 - 4 classes of a general educational organization (initial level)
The course program is designed for grades 2–3 (author of materials for students - S. Fedin) and 4 classes (author of materials for students - G. Gloveli). The program specifies the goals and objectives of the course, the planned educational results and the system for their evaluation, describes the forms and methods of organizing the educational process, and also provides a list of educational, methodological and material and technical resources.
Financial Literacy: Materials for Students. 2, 3 classes of a general educational organization. In 2 parts
Starting to study at school, the child takes the first steps into adulthood. In order for him not to get lost in it and become a financially prosperous person in the future, he needs to master the ABC of financial literacy and learn how to count money. This guide will help him with that. In an entertaining way, the initial basic concepts from the world of money are presented here and their role in our life is shown; it tells what money is spent on, how to manage it wisely, how to protect yourself from scammers and much more.
Financial Literacy: Materials for Students. Grade 4 of a general educational organization
From this book, students will learn about the world of money: how and where they came from, what they are, what is the difference between cash and non-cash money, what is a family budget and why it is important to plan it correctly, how people increase their incomes, how to protect themselves from scammers and about many other things.
Grades 5 - 7 of a general educational organization (basic general education)
The manuals tell about the complex world of money and the basic rules of human behavior in it. It explains in detail where family income comes from, what a family budget is and why it is important to plan it correctly. A significant place is given to the protection of a person from the risk of losing money and property, the interaction of the state and the family, the possibility of improving financial condition person by organizing their own business. The manuals are written in an easy, well-understood language for schoolchildren and can serve as a basis for conducting classes in the classroom, preparing independent projects and solving financial problems together with parents.
Grades 8 - 9 of a general educational organization (basic general education)
The materials are designed to acquaint teenagers with the basics of rational financial behavior - how to reasonably organize and optimize the future family budget, what should be done to increase personal and family well-being, why it is important to foresee the possibility of financial losses and how to minimize them, how to learn how to manage your finances from an early age in order to have a comfortable life. old age, etc.
10 - 11 classes of a general educational organization (secondary general education)
The manuals in an accessible form outline the main aspects of personal finance management, taking into account current trends in the development of the financial sector of the economy and current legislation. The tasks contained in the manual are aimed at developing the cognitive activity of students, independence and initiative in the field of personal finance management.
10 - 11 classes of a general educational organization. Mathematical profile (secondary general education)
The manual contains a mathematical description of issues traditional for financial literacy disciplines: simple and compound interest, accounting for multi-temporal financial flows, calculating the price of financial instruments and evaluating investment projects. A significant place is given to examples of problem solving. To describe and assess the risks associated with financial transactions, the concepts of probability theory and mathematical statistics are actively used. The materials are redundant and suggest the student's ability to independently master the sections relating to probability theory and statistics.
10 - 11 classes of a general educational organization. Economic profile (secondary general education)
The course is devoted to the key issues of the functioning of modern financial institutions and the mechanisms of human interaction with them. The course covers the following financial concepts, how commercial banks, investment funds, stocks and bods market, tax system, pension funds and others, their essence is revealed and their place in the financial life of modern Russia is shown.
materials training course on financial literacy for students of educational institutions of secondary vocational education
The manuals present questions in a simple and accessible way. financial well-being family and money management. In addition to such standard topics as savings, credit, insurance, taxes and pensions, discussed in the manual, the legal aspects of the relationship between employees and the employer, issues of employment and career growth, organizing private entrepreneurship, measures to protect against financial fraud and others. By participating in the analysis of real life situations and business cases, in group projects and discussions, and completing tasks for searching and analyzing data, students prepare to use the acquired knowledge in practice.
Gavrilyuk Victoria Vladimirovna
Job title: music and economics teacher
Educational institution: MAOU "Lyceum "Solaris"
Locality: Saratov
Material name: article
Topic:"Implementation of the course "Financial Literacy" at school as part of the introduction of the GEF".
Publication date: 09.01.2018
Chapter: secondary education
“Implementation of the course “Financial Literacy” at school
within the framework of the introduction of the Federal State Educational Standard.
Programs
learning
current
Russian
education
cover
practically
vital activity
modern man, which provides high-quality training of schoolchildren
adult
exception
recent
was
practical preparation of students for the current economic conditions, then
there is children's financial literacy. And this despite the fact that Russia is
to the list of countries high level economic development.
2016 this gap educational program schoolchildren eliminated
– Russian schools introduced financial literacy lessons, during which
children are not only taught to be careful with money, but also told how to
You can and should defend your rights if necessary.
The treasury of worldly wisdom is rich in sayings, proverbs and
aphorisms that talk about the benefits of both saving and spending money. AT
conditions, modern economy, in a situation of inflation, our task is to teach
children to correctly assess the financial situation in a constantly changing
economic conditions not only for conducting future professional
activities, but also within the family.
Youth is a time of great opportunities and important financial
solutions. Therefore, it is important to improve financial literacy from an early age.
age, because there will be many important financial decisions ahead in life,
a mistake in accepting which can even worsen the standard of living and delay
important financial goals.
process
implementation of lessons
financial
literacy in
First of all, it was necessary to solve two main questions:
Providing the necessary information - developing textbooks with
Training
teaching
learning
discipline.
today's
problem
training
quality learning materials. The most involved in their creation
specialists:
banking
workers,
teachers,
financiers,
employees of the departments of management and economics, employees of educational authorities
and others.
Teachers
had to
education
special courses,
got acquainted with the basics of financial and economic relations.
School
financial
literacy covers
the following
concepts and topics:
preparation and calculation of the family budget;
monetary transactions in banks and other structures;
transactions involving risk;
monetary rewards;
availability of responsible authorities for financial services;
personal savings - excess or use;
subtleties of loans and deposits;
rights and obligations of participants in financial and economic relations;
cash flow management;
aggressive policy of banks;
assets and liabilities (income and expenses);
insurance and pension payments;
availability and safe use of plastic cards.
The implementation of the course is possible in various fields education:
Project activity;
extracurricular activities;
Integration into lesson activities;
Extracurricular work;
Social partnership.
The main aspects in the implementation of the course.
metaobjectivity
interdisciplinary,
act
Console
means
“through”, “above”, that is, it implies going beyond the scope of the subject; assimilation
knowledge not in itself, but in application to life situations and various
areas of human activity.
formation
financial
literacy
schoolchildren
an example of the actual application of meta-subject principles in schools today.
Undoubtedly, for such a vast and complex topic, new disciplines are needed, in
in particular economics, which is beginning to be introduced into the curriculum. But also
basic items can contribute huge contribution in learning the course.
Practically
use
elements
financial literacy. Solving problems that include quantities
prices, quantities, costs, percentages, students learn to theoretically solve
financial
Problems.
literature
going on
discussion
situations
related
reading
works,
mentioned
various
social
financial
situations
students
speaks out
own
formed
sustainable
understanding
correct model of social and financial behavior. history lessons,
geography, social studies give more opportunities to include elements
financial literacy and social competence of students.
2. Tutorials- this is not a dogma, but a guide to action.
Program
financial
literacy
drawn up
so that it can be easily transformed.
It must be understood that
the teacher does not set a goal to grow out of the student
banking
worker
investment
analytics.
financial literacy is a set of BASIC knowledge in the field
finance, banking, insurance, and budgeting for personal
finance,
allow
man
right
pick up
necessary
financial
evaluate,
that may arise in the course of their use, competently accumulate
saving
define
dubious
(fraudulent)
attachments
3. The main activity is games and cases.
The game is one of the forms of active learning.
Game activities of students in the classroom create an atmosphere
natural communication. At the same time, unnecessary stress is removed from children and
rises
educational
process.
allows
hidden
capabilities,
certainly
lead
schoolboy
successful learning of the material. They will also allow to form the necessary
public
practices
norms of human life and activity are reproduced. playing, students
auctions,
release
constitute
family budget, face financial challenges that solve
adults
everyday
correlate
happening
reality.
trains
appeals
money and fosters financial responsibility.
case method,
specific
situations, the method of situational analysis) is a teaching technique that uses
description
real
economic,
social
business situations.
students
research
the situation
figure out
suggest
possible
based
real
actual
material
approached
real situation.
4. Financial literacy is an element of socialization.
The school, as a social institution, should prepare for life. And life is
academic
Financial
culture
contemporary
developed and rapidly changing world has become another vital
element in the system of skills and rules of conduct. financial literacy
will allow
man
depend
circumstances
systems. An educated person will himself choose those paths in life that
will be the most attractive for him, creating a material basis for
further development of society.
Financial literacy is a tool and our job is to teach
students to use this tool.
5. The activities of students in the classroom.
Tell me and I will forget, show me and I will remember, let me do
Main
peculiarity
activity
is
activities of students. Children "discover" new knowledge themselves in the process
independent research activities. The teacher only guides
this activity and sums it up, giving a precise formulation of the established
algorithms
actions.
received
acquire
personal significance and become interesting not from the outside, but
Undoubtedly,
implementation
"Financial
literacy"
get by
assistants.
Exists
learning
schoolchildren
financial literacy, as well as games, olympiads and test tasks.
Financial literacy in school
Your finances
Website "Economics for schoolchildren"
Portal I want. I can. I know
financial
literacy, so that tomorrow it will be easier for them to enter adulthood, and for
someone - to decide on the choice of a future profession.
Being financially literate today is not only important, but also prestigious.
After all, the proper management of finances is the sure key to wealth and
And as Robert Kiyosaki said:
"If you think education is expensive,
try to find out how much ignorance is worth."
