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Cooperation for innovation and the exchange of good practices

Strategic Partnerships for school education


Saving habit is most important part of our life. This is known as financial discipline or financial literacy. If you look at our earlier generations lifestyle, savings are very closely associated with their daily life. They had considered savings as the most important aspect of life and it helps them when they reach the old age. However, with the modern economics and globalization, young generation is forced to spend more money for their daily life and one cannot control them self if the environment itself promoting the lavish life.

If you don’t have good savings habit, then it will not help you in the later stage of your life. Anything you learn from childhood will stick with you forever. That is the reason why we should teach good habits at child age. Financial discipline and independence is one of the most important lesson which this generation parents has to teach their kids.

The researches shows that financial literacy is low even in the developed countries. According to the results of the Financial Literacy Index which was built with the cooperation of Boğaziçi University and TEB and which is the newest reserch in the field of financial literacy, financial literacy index of Turkey is 59,8 and it is below average of 62.3. Turkey is the 10th among the countries doing shopping carefully, 14th in active saving and investment purchase and the last in the following of personal financial status. In the worldwide, it is seen that women and children are far behind the men in terms of financial literacy. Children's taking their 84% of financial knowledge from their parents increases the difficulty factor of education (Çukurova Üniversitesi, İktisadi ve İdari Bilimler Dergisi, Cilt 12, Sayı 1, 2011 Finansal Okuryazarlık).

According to another reserch done in 2013 with the participation of 12.000 people from 12 European countries, Turkey with 8% comes the last among taking financial literacy education. In spite of that, 71% of the participants want to have financial litearcy education at school.

Child learn from examples. If you team them something, you have to follow the process. Otherwise you will set a bad example for them, your teaching won’t be effective. If you follow what you are preaching them, they will follow you without any hesitation. It is not only for the finance, all other things they feel parents and teachers have to be an example. So our project includes not only parents education but also teachers on financial literacy.

Understanding the flow of “money in/money out” is a fundamental life skill that should begin as early as possible in life. Learning financially literacy early on can significantly impact young people’s future as adults, when the ability to budget, save, spend and grow money determines a person’s financial health and well-being.

It’s no exaggeration to say that today there is more encouragement – and opportunities - for young people to spend money than ever before. They are confronted with promotional and brand advertising on all fronts – online sites and blogs as well as traditional channels such as TV, radio, magazines and newspapers. Additionally, the increase in reality TV shows and heightened focus on celebrities and what they wear.

Financial literacy education is a process which must start at childhood. The knowledge of personal finance and money management acquired in this period plays an important role in defining person's life quality, happiness and welfare. In accordance with this, it is aimed to make children internalise the concepts like money, earning and spending money, making investment, risking, starting entrepreneurship and to prepare a substructure to the future with education in order to reflect these concepts in their daily lives.

Early childhood and primary school period are the period in which the learning is the fastest and stimuli can be handled actively.  So with this project, it will be aimed to support and improve their personal and social development, self-confidence, mathematical skills, logic and problem solving skills.

Other objectives are:

-to make the pupils learn to control their money, make savings, saving conscious.

-to teach money management and make them to be sharer of the family.

-to gain creative, reflective and critical thinking, making comments, making an inference, calculating and budgeting skills

-to make them be leaders, take initiative, and establish empathy

-to make learning about money fun, whilst sharing key values, habits, tools and skills for financial success

There is always something to learn about financial literacy, and as children become adults, they will find more sophisticated opportunities to learn about earning, spending and investing money. If they have a solid foundation in how to evaluate those opportunities, they will make wise choices.


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