This year, about 100,000 minors must be sensitized to the management of personal finances by one of their college teachers or in the universal national service.
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What is a bank discover? How much does a credit cost? How much is a savings book with 100 euros paid to 1%? … Questions on which several thousand college students about 13 years old will have to think in the coming days, in class, with one of their teachers, as part of the “passport Educi “, a pedagogical sequence of a few hours aimed at providing them with the BA-BA of personal finances.
According to the Bank of France, 2,156 classes of 4 e , in the thirty academies of national education must indeed experiment before the end of the school year this passport Educi, which is present in the form of a quiz. Nearly 50,000 students.
And most will do it as part of the tenth edition of the Week of financial education , organized from March 21st to 27th. During the school year 2020-2021, this passport had been tested in 74 classes of five academies (Nancy-Metz, Dijon, Créteil, Rennes, Limoges), by about 2,200 students.
“Escape Game “at the SNU
The initiative is carried by the Banque de France, operator of the National Financial Education Strategy launched by Bercy in 2016, under the impetus of the Organization for Economic Co-operation and Development (OECD), which is seepage of the subject in the early 2000s and encourages its member countries to improve the financial culture of the general public.
In detail, this French financial education strategy involves several pillars, including one specifically targets young people.
“The Educi Passport is based on the budget, the balance between resources and expenses, the bank account, the precautionary savings and that to finance projects, or the insurance. We try to arouse the First reflexes. We do it in [class of] fourth because it is an age where young people are already sensitive to these subjects but do not have the pressure of the patent, “says Stéphanie Lange-Gaumand, Director of Financial Education at the Banque de France.
Despite the power rise of the device found for the current school year, this one, experienced for the first time in 2019, is still only a small part of the fourth – about 7%, according to the Bank of France. Will he be generalized in the coming years to all students at this level? It is envisaged but nothing is actted: “It will be to the ministers to decide within the framework of the operational committee of the strategy [ The pilot instance , where sit, in particular, the ministers of The economy, national education and solidarity], “says Lange-Gaumand.
However, young people have now several opportunities to rub into money issues as part of the National Financial Education Strategy, does it specify: in fourth first, if the Educi passport is deployed in their class, then between 15 and 17 years old if they participate in the National Universal Service (SNU), and finally via interventions in local missions (organizations that accompany young people in their social and professional integration). “We consider these three appointments will ultimately avoid financial courses,” says Lange-Gaumand.
At the SNU, the financial initiation takes the form of a Game escape, explains the Banque de France. If, in 2021, about 14 000 young people had been sensitized in this context, on two hundred sites, nearly 50,000 should be in total in 2022, according to the institution: 2,700 during the stays of February and 46 000. SNU sessions scheduled in June and July.