Agrupamento de Escolas de Marco de Canaveses, durante a reunião transnacional à Roménia, no âmbito do projeto Erasmus+ KA2 Keep Invest Donate Spend em Educação Financeira em contexto escolar, apresentou a presente comunicação na conferência internacional "Spend smart, live smart“ | February 4, 2016, organizada pelo Banco Nacional de Bucareste, que contou ainda com a presença da Dra. Susana Narciso, do Banco de Portugal.

1. FINANCIAL EDUCATION IN PORTUGAL:
EXCHANGE OF GOOD PRACTICES
HELENA SERDOURA | AGRUPAMENTO DE ESCOLAS DE MARCO DE CANAVESES
INTERNATIONAL CONFERENCE "SPEND SMART, LIVE SMART“ | FEBRUARY 4, 2016 – BUCHAREST, NATIONAL BANK OF ROMANIA

2. HOWDID IT ALL START...
▪ Portuguese Financial Education Plan was launched for 2011-2015 by the National
Council of Financial Supervisors: the plan aimed to increase the level of financial
knowledge of the Portuguese population and to promote the adoption of
appropriate financial behaviours
▪ The Ministry of Education and Science approved the ‘Core Competencies for
Financial Education’ in May 2013
▪ A training programme for teachers began in 2014 and is jointly organised by the
Ministry of Education and Science and the financial supervisors

3. HOW WAS FINANCIAL EDUCATION
INTRODUCED IN PORTUGUESE SCHOOLS ?

4. A GRADUAL FINANCIAL EDUCATION APPROACH FOR
SCHOOLS WAS ADOPTED…
▪ Defining Core Competencies for Financial Education
▪ Designing a teacher training programme for the teachers (2014)
▪ Developing materials to support financial education in schools

5. WHICH RESOURCES TO SUPPORT FINANCIAL
EDUCATION IN SCHOOLS:
▪ In July 2012 the National Plan website – Todos Contam (“Everybody counts”) – was
launched - www.todoscontam.pt
▪ The financial supervisors prepared an e-learning platform to support e-teaching of
financial education content:

6. In the Financial Literacy Day –
October 31 2015 – the
stakeholders of the National Plan
presented the first Book on
Financial Education aimed at the 1st
Stage of Basic Education (primary
school level)
BOOK ON
FINANCIAL
EDUCATION

7. SCHOOLS ARE ALSO ENCOURAGED TO DEVELOP
FINANCIAL EDUCATION PROJECTS:
The Annual Financial Education Competition (4th edition/2015):
a. The financial supervisors and the Ministry of Education and Science organize
annually the Financial Education Competition "Todos Contam“
b. The competition rewards the best financial education projects to be
implemented in schools
c. The winning schools are announced in the Financial Literacy Day - October
31 (World Savings Day) - and later the heads of the financial supervisors visit
those schools

8. SCHOOLS ARE ALSO ENCOURAGED TO DEVELOP
FINANCIAL EDUCATION PROJECTS:
The Paper Money Museum Project
a. The Paper Money Museum (Fundação Dr. António Cupertino de Miranda, Porto)
has a Financial Literacy project - No Poupar Está o Ganho ("Money Saved is
Money Earned")
b. The project aims to involve kindergartens, primary and lower secondary Schools
in a project in which financial education is “territorialised”, enabling all the
students to see how important money is in life and to acquire competencies that
allow them to make the right decisions later
c. The schools participating in this project will become TEF – Territories of Financial
Education, and will form a network

9. In the Financial Literacy Day –
October 31 (World Savings Day) –
the stakeholders of the National
Plan and the schools develop a
number of financial education
activities across the country
FINANCIAL
LITERACY DAY

10. The Portuguese National Plan also
joins the celebration of the Global
Money Week that takes place every
year during the second week of
March, inviting schools to take part
in several activities
GLOBAL
MONEY WEEK

11. IN 2014 PORTUGAL WON THE CHILD AND YOUTH
FINANCE INTERNATIONAL COUNTRY AWARD FOR
EUROPE - 2014, IN RECOGNITION OF THE WORK
DEVELOPED IN BRINGING FINANCIAL EDUCATION
TO SCHOOLS

12. FINANCIAL EDUCATION @ AGRUPAMENTO DE
ESCOLAS DE MARCO DE CANAVESES
▪ 2014 - Keep Invest Donate Spend,
Erasmus+ program, KA2 Action –
strategic partnerships in the school
field was launched in the school’s
cluster for 4th and 5th grade classes
▪ 2015 – The project is extended to
other school levels of education from
Kindergarten to 6th grade | becomes
compulsory for 5th and 6th grades in
Citizenship subject
▪ 2016 – Teacher training workshops for
primary teachers (1st & 2nd stages of
Basic Education) | Parents workshops
2016 –
teacher
training
2015 –
involve
more
schools
2014 –
pilot
project

13. WHERE WE STAND IN 2016
4TH AND 6TH GRADE CLASSES ARE ATTENDING
THE PAPER MONEY MUSEUM PROJECT
PUPILS DEVELOP SEVERAL ACTIVITIES IN
FINANCIAL LITERACY

14. WHERE WE STAND IN 2016
PUPILS CREATE THEIR OWN BANK AND
CURRENCY AND PROMOTE THEIR 1ST BUSINESS
FINANCIAL EDUCATION IS ALSO ABOUT
CONSUMER EDUCATION

15. WHERE WE STAND IN 2016
KINDERGARTEN PUPILS PREPARE THEIR 1ST
MONEY BOXES
PRIMARY PUPILS RECREATE THE HISTORY OF
MONEY IN COMIC STRIPS

16. ANNUAL FINANCIAL
EDUCATION
COMPETITION - 4TH
EDITION
The school submitted the project Keep
Invest Donate Spend for the 2015
edition and was distinguished with an
honorable mention

17. WHERE WE GO FROM HERE…
TEACHER TRAINING FOR 1ST AND 2ND STAGES
OF BASIC EDUCATION | PARENTS WORKSHOPS
INTRODUCTION OF FINANCIAL EDUCATION FOR
THE 3RD STAGE OF BASIC EDUCATION

18. FUTURE NATIONAL CHALLENGES
▪ More accredited Teaching Training
Courses in Financial Literacy covering
all regions of the country
▪ Production of specific materials to
support financial education in schools
for all school levels
▪ An e-learning platform to support e-
teaching on financial education
contents covering all school levels

19. Helena Serdoura
Agrupamento de Escolas de Marco de Canaveses
| Portugal
February 4, 2016
THANK YOU
OBRIGADO
MULTUMESC