At the round table within the framework of the Moscow Financial Forum, representatives of the Project of the Ministry of Finance of Russia "Assistance to Improving the Level of Financial Literacy of the Population" and experts discussed the most effective practices for introducing financial literacy in general education state institutions.

The results of a study conducted by the NAFI Analytical Center jointly with the Russian Microfinance Center and the Citi Foundation in January-February 2018 show that 44% of Russians feel the need to improve their knowledge and skills in the financial sector, and in this matter 38% of respondents responsibility for state educational institutions. And now, in the new academic year, schoolchildren will study financial literacy in a new capacity - as an element of compulsory subjects: social science, literature, law, mathematics. Within the framework of the Project, educational programs and teaching materials for the school were developed, and already this academic year the regions will receive about 8 million copies of educational and methodological kits.

Ekaterina Lavrenova, an expert on educational programs of the Financial Literacy Project of the Russian Ministry of Finance told the INMFO portal how financial literacy will be built into the curricula of modern schoolchildren.

Who will teach financial literacy in schools on a permanent basis - where will the staff come from, who will train them and where?

Within the framework of the Project of the Ministry of Finance of Russia, on the basis of the leading Russian universities - the Higher School of Economics, the Faculty of Economics of Moscow State University and the Financial University under the Government of the Russian Federation - methodological centers have been created for training school teachers, university professors, consultants-methodologists with a regional network throughout the country.

Thanks to the Project, to date, about 19,000 financial literacy teachers have been trained - these are active teachers, university and vocational education teachers, and students of pedagogical specialties. By the end of 2019, more than 38,000 teachers will be trained in financial literacy.

How will new practices of improving financial literacy be integrated into programs that have been running for a long time and steadily in these subjects and are there any courses for retraining teachers in these subjects with an emphasis on elements of financial literacy?

There are several approaches to introducing financial literacy into the school system. The first is to introduce it as a separate subject, which is not quite optimal yet, since there is often talk about the overload of children and the extreme richness of the school curriculum. Therefore, the Russian Ministry of Finance chose two other options.

Ekaterina Lavrenova conducts an open lesson on financial literacy with World Bank representatives at a Moscow school in January 2018

The federal law "On Education in the Russian Federation" allows schools to independently choose courses and programs for extracurricular activities and electives. This makes it possible to introduce financial literacy courses, but outside the mandatory curriculum. Each school, region, municipality has the right to decide this for themselves. There is an educational and methodological potential for this: 17 financial literacy kits for different ages have been created. In addition, a lot of work is being done in Russia to introduce elements of financial literacy into federal state educational standards. In the subject of "social science", such work has already been carried out, so the teaching materials (educational and methodological complexes) will be relevant for all schoolchildren in grades 8-9 and social science teachers. In addition to social studies, special thematic modules have been prepared for such school subjects as: economics, law, the basics of safety and life (OBZH), English, geography and mathematics. Modules for history and informatics are being prepared for release.

In the course of the Project, educational programs and teaching materials for schools from 2nd to 11th grade were developed. In 2018–2019 a unique circulation will be distributed in the regions - more than 8 million copies of educational and methodological kits on financial literacy.

These materials are available for free download on the official website of the Ministry of Finance of Russia. Each educational and methodological complex includes additional educational programs, materials for students, methodological recommendations for teachers, and informational and publicistic materials for parents. Professional retraining and advanced training programs for methodologists, tutors, and teachers operate on the basis of federal and regional methodological centers.

Elena Maltseva

Financial literacy in school

The treasury of worldly wisdom is rich in sayings, proverbs and aphorisms that speak of the benefits of both saving and spending money. In the conditions of the modern economy, in a situation of inflation, our task is to teach children to correctly assess the financial situation in a constantly changing economic environment, not only for future professional activities, but also within the family.

Youth is a time of great opportunities and important financial decisions. Therefore, it is important to improve financial literacy from an early age, because there will be many important financial decisions ahead in life, a mistake in making which can even worsen the standard of living and postpone important financial goals.

I want to talk about how financial education is conducted in our school.

In order to form the financial literacy of the population, our school annually conducts a "Lesson of financial literacy among high school students", which is conducted jointly by teachers of social science and computer science.

As part of the pre-profile training course “Affirm Yourself”, classes are held, business games with students on the following topics: aimed at the ability to make the right decisions in conditions of rapidly changing prices, inflation, they learn how to properly survive the economic crisis.

According to the work plan of class teachers, subject teachers, design and research activities are carried out, with the help of which it is explained that finance is a multifaceted concept that includes both cash and non-cash financial resources, and other forms and tools of funds, as well as - financial relations related to cash settlements between market entities.

In accordance with the program of work with gifted children "Our Hope", classes are held with students, in which schoolchildren's ideas about finance are formed in a simple and understandable language; children come to the conscious conclusion that low levels of financial literacy and lack of understanding in the field of personal finance can lead not only to bankruptcy, but also to illiterate retirement planning, vulnerability to financial fraud, excessive debt and social problems, including depression and other personal Problems.

During lesson activities, financial assignments are widely used to solve practical problems, so when getting acquainted with electronic tables, schoolchildren learn to calculate the costs of utilities (electricity, water, gas); learn to plan, predict and save the family budget; make payroll calculations.

Forming financial literacy among students, our school works in close cooperation with other educational institutions of our village and district and city. I would especially like to elaborate on the special course on financial literacy, which is conducted on the basis of our school for 8 classes according to the program developed by the Volgograd Economic and Technical College. The course is taught by Pirmetova E.Yu., teacher of the Gorodishchensk Center for Children's Training, using a workbook, students perform various types of tasks in the system: tests, surveys, structuring information, filling out diagrams, solving logical tasks, solving crossword puzzles, playing business games, etc. The course consists of 3 modules: "Fundamentals of Financial Literacy" (32 hours), "Savings and Banking" (32 hours) "Entrepreneurship and Fundamentals of Financial Security" (32 hours), each module is represented by several topics, each topic has its own purpose, the main concepts are structured in a glossary. At the end of the course, students will receive a certificate of completion for the course.

On this problem, the school is working not only with students, but also with parents at parent meetings during classes on pedagogical education on the topic: “Financial literacy is the key to the well-being of the family”, at which parents share their experience, meetings are organized with representatives of various financial professions , representatives of the savings bank and the pension fund, give financial advice to parents, such as how to prevent the theft of money through SMS spam.

Parents are told that they must disclose their income and expenses to their children (if they do not want to do this, they can provide any figures that suit them) for training in family budgeting. It is proposed to set a certain amount of pocket money so that the child can learn how to manage his money.

Various information resources are offered to parents and children at parent-teacher meetings, in teacher education classes, during seminars, workshops: (slide with links to these resources).

Are these sites helpful in answering questions? Such as: How to make financial decisions? Which loan to choose? Where to invest free funds? Which mortgage option to use to purchase a home? How to insure yourself, your loved ones and your property?

The content and thematic sections of the site will help consumers improve the level of financial culture

Books for children and adults:

1. This book is aimed at children aged 7 to 14 and is made in the form of a workbook with theory, tasks and a place to complete these tasks. The book discusses not only issues related to the basics of financial literacy, but also important issues of motivating a child to study this very financial literacy.

2. This book is written for parents to read together. It tells the story of a little girl who adopted a dog in her home. In order to leave the dog, I had to fight a lot with my parents. The dog was not simple, he knew how to speak. Moreover :) the dog was financially literate, as he used to live with a very wealthy businessman.

In the course of the book, the dog helps the girl to comprehend financial literacy from the basics - the first earnings, the first account, the first hired employees and beyond, the study of all the intricacies of financial education ...

3. Abouta good guide for those who often think about where the salary has gone. And, especially, for those who rarely do something about it.The book discusses typical scenarios for spending money and managing budgets by families of different incomes. A lot of ways to save money and optimize spending for a variety of needs are described..

4. The book "Financial Literacy" is a textbook on personal finance, which also takes into account the achievements of modern financial science.

Other…

“Financial culture in today's developed and rapidly changing world has become another vital element in the system of skills and rules of conduct. Financial literacy will allow a person not to depend on circumstances, on the will of other people, the system. An educated person himself will choose those paths in life that will be most attractive to him, creating a material basis for the further development of society.

Children are our future, and we must give them the basics of 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, proper management of finances is the sure key to wealth and success!

And I would like to end my speech with the words of Robert Kiyosaki:

"If you think education is expensive,

try to find out how much ignorance is worth."

The publication was prepared as part of a joint project of the Ministry of Finance of the Russian Federation and the World Bank "Promotion of increasing the level of financial literacy of the 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 student 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 assess the financial situation, to choose the most appropriate option for solving a family problem.

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 in the course is paid to the formation of the competence of search, selection, analysis and interpretation of financial information from various sources, both electronic and paper.

Most of the time is devoted to practical activities to gain experience in an expanded range (compared to previous classes) of financial relations.

Financial Literacy: A Curriculum. Grades 8 - 9 of a general educational organization (basic general education)


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.

Training program

Financial Literacy: Materials for Students. 8 - 9 classes of a general educational organization

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.

Financial Literacy: Guidelines for Teachers. 8 - 9 classes of a general educational organization

For each lesson, goals are defined (learned concepts, knowledge, competencies), forms of classes and teaching aids are given. The organization of educational activities to achieve the set goals is described step by step. Additional material has been selected for the teacher, which will help him in explaining financial phenomena or processes. At the end of each session, topics are proposed for discussion both in the classroom and in the family circle.

Methodical recommendations for the teacher

Financial literacy: materials for parents. 8 - 9 classes of a general educational organization

The materials are designed to help the family learn to solve financial problems together with the children. The nature of the materials is different: these are questions for a joint discussion of financial topics, tasks such as a financial simulator with answers, additional information on the topic being studied for the parents themselves. Practical advice is offered to enable adults to become financially literate and successfully cope with financial problems, as well as teach their children to do the same.

What exactly will the children be told about in financial literacy lessons and why are they needed at all? You will learn about this within the framework of this article.

The training programs of the current system of Russian education cover almost all spheres of life of a modern person, which ensures high-quality preparation of schoolchildren for adulthood. Until recently, the only exception was the practical preparation of students for the current economic conditions, that is, children's financial literacy. And this is despite the fact that Russia is included in the list of countries with a high level of economic development.

In 2016, this gap in the educational program of schoolchildren was eliminated - financial literacy lessons were introduced in Russian schools, during which children will not only be taught how to handle money carefully, but will also be told how they can and should defend their rights if necessary. What exactly will the children be told about in financial literacy lessons and why are they needed at all? You will learn about this within the framework of this article.

Why do we need financial literacy lessons?

In September 2016, many Russian schools introduced a new subject for the development of financial literacy among schoolchildren as part of such a subject as social studies. In the future, aspects from the financial literacy course are planned to be introduced into such subjects as mathematics, life safety, geography and history.

Experts are sure that in order for Russian society to learn to respond quickly to changes in the economic situation, which will positively affect the general well-being, the child should get acquainted with the topics of monetary currencies and operations with them, saving and managing the family budget, gaining financial independence, etc. already on the school bench. Moreover, world practice has shown a good result in the development of states through the introduction training programs in the field of money relations.

The need to introduce financial literacy lessons in schools is also due to the fact that modern children are quite actively buying goods on their own, using plastic cards and mobile applications. That is, they operate with banknotes from an early age and are active participants in trade and financial relations, which requires them to have a certain level of financial literacy.

The main objective of the introduction of financial literacy training, of course, is the desire to stop the development of an irresponsible attitude towards monetary transactions in general. After all, most of the adult population of our country, unfortunately, is still financially illiterate and is not protected in any way in case of unforeseen circumstances or loss of work. Many families do not keep records of expenses and income. And this sadly affects the development of the economy in the sphere of consumption.

Project implementation

In the process of implementation financial literacy lessons In schools, first of all, two main issues were resolved:

• Providing the necessary information - development of textbooks taking into account the age categories of students.
• Training of teaching staff for teaching a new discipline.

To date, the problem of preparing high-quality training materials has already been successfully solved. A variety of specialists took part in their creation: bank employees, teachers, financiers, employees of the departments of management and economics, employees of educational authorities and others.

But the solution of the second issue required much more effort, since it was necessary to organize the training of teaching staff. Teachers had to attend special courses where they got acquainted with the foundations of financial and economic relations and concepts like:

It is expected that by the end of 2017, more than 15,000 teachers will be trained in specially created federal and regional methodological centers, who will then teach financial literacy in schools.

Why such complexity and additional burden?

It is difficult to deny the fact that for the social adaptation of children in modern society, schoolchildren need to know about all the mechanisms of relationships and connections. And one of the constituent parts is monetary transactions. Having practical knowledge in this area, the child will be more likely not to get confused when problems arise during the conduct of a monetary transaction and to cope with a real life situation.

School financial literacy course 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.

It should be noted that in the development of educational materials aimed at the disclosure of each topic, the age characteristics of individual groups of schoolchildren were taken into account. For example, for the youngest, information is presented in a playful way, while high school students analyze specific situations and solve them. This approach made it possible financial literacy training as accessible as possible for understanding, which makes it possible for children to avoid making mistakes in adulthood and to properly manage money now.

Expected results

Naturally, to get a complete picture of the results, more than one year of work with the new program should pass. However, it is already clear that the goal (that is, the elimination of financial illiteracy among the population) can be achieved only if parents take a financial literacy course together with schoolchildren. If only because some topics in the textbook are unfamiliar even to adults and study school financial literacy program will allow parents to fill in the gaps in their knowledge.

Experts also note that parental assistance is invaluable in solving such issues: how to spend pocket money, how to save up for a desired gift, where to buy a high-quality and inexpensive thing, how to receive a monetary reward for knowledge (but not for marks in a diary) or encouragement for initiative in assistance in various matters. In addition, the joint education of teachers, students and parents will help to significantly reduce the tension in the consumer sphere.

MOSCOW, 1 September. /TASS/. Financial literacy classes start in Russian schools. At first, classes will be optional, and in the future, some topics of the discipline will be studied within the framework of such general subjects as social science, mathematics, history and geography.

Students in Tatarstan, Saratov, Volgograd, Tomsk and Kaliningrad regions, as well as in the Krasnodar, Stavropol and Altai regions will be the first to join financial literacy.

Textbooks for the course were developed within the framework of the project of the Ministry of Finance of Russia and the World Bank "Assistance in improving the level of financial literacy of the population and the development of financial education in the Russian Federation." The program is designed for both children and their parents.

The project "Assistance in improving the level of financial literacy of the population and the development of financial education in the Russian Federation" has been implemented by the Ministry of Finance since 2011. The goals of the project are to promote the formation of reasonable financial behavior among the population, a responsible attitude to personal finances, and skills in managing personal and family budgets.

Level of financial literacy in Russia

Social studies show that Russia is far from being an outsider in matters of financial literacy, Andrei Bokarev, director of the project and head of the department of international financial relations, told TASS. The leaders in financial literacy of the population, according to him, include the UK, Australia and New Zealand. In these countries, financial literacy education has been integrated into the school curriculum. At the same time, in Russia the course on financial literacy covers both primary and secondary schools, and, for example, in the UK it is designed only for high school students, Bokarev noted.

According to him, most often Russian citizens lack such financial skills as budget planning and the desire to defend their rights in the event of unscrupulous financial services. "And this despite the fact that in almost 90% of lawsuits the decision is made in favor of the injured party," the expert noted.

As ex-Minister of Finance of Russia Alexei Kudrin previously told TASS, the level of financial literacy of Russians should be tested regularly, once every 5 years.

According to Kudrin, the experience gained during the implementation of the project and the best practices of regional programs are already being used in the development of the National Strategy for Increasing Financial Literacy. The ex-minister explained that the strategy formulates the goal, objectives, main directions, coordination mechanisms and other key parameters of state policy in the field of financial education of citizens. At the same time, not only the Ministry of Finance, but also the Central Bank of the Russian Federation, many banks and financial organizations have projects to improve financial literacy.

According to the results of the PISA study (International Program for the Assessment of Student Educational Achievement), which tested the level of financial literacy of 15-year-old students from 18 leading countries and economies of the world, Russia took 10th place, located in the middle of the ranking between the United States and France, with a result close to to Slovenia, Spain, Croatia and Israel, leaving Italy far behind. More than 80% of Russian students demonstrated their willingness to use basic financial knowledge and skills.