OUR RESOURCES YOUR FINANCES, YOUR FUTURE Description: A 7-session programme for students aged 10 to 13 in which students Description: Programme offered in collaboration with the Spanish Banking Asso- create companies that make environmentally responsible and sustainable products. ciation (Asociación Española de Banca, AEB) intended to provide students aged 13- 15 with the tools needed for nancial decision-making and to raise their awareness of What students learn: Analysis of consequences and decision-making for environ- the importance of nancial literacy and cybersecurity in their lives. mental protection, teamwork, communication skills and nancial literacy. What students learn: Personal nancial planning, understanding the importance Objectives: To develop the skills needed to innovate and become entrepreneurs. of saving and responsible consumption, knowledge of digital banking and potential digital fraud. Results of the longitudinal study of Our Resources: Objectives: To reect on the importance of taking responsibility for their own nances • Increases the probability of students wanting to go to university by 33%. and equip them with the knowledge necessary to make sound nancial decisions. • Increases the probability of wanting to be self-employed by 16%. • Increases the students’ identication with qualities that are crucial to personal Results from the longitudinal study of Your Finances, Your Future: 36%), imagination (31%), independence (42%) and social wellbeing: hard work ( 16%), and delayed gratication (23%). • Increases the probability of students wanting to go to university by 31%. perseverance ( • Reduces by at least 31% the tolerance for behaviours not aligned with the • Increases the probability of wanting to be self-employed by 24%. common interest: cheating on an exam, shoplifting, using public transport without • Increases the students’ identication with qualities that are crucial to personal 17%), imagination (18%), perseverance (19%), paying, etc. and social wellbeing: hard work ( • Increases academic performance by at least 7% in mathematics, language and delayed gratication (21%). science, with the greatest improvement among students from less advantaged • Reduces by at least 21% the tolerance for behaviours not aligned with the backgrounds and previously lower achievers. common interest: cheating on an exam, shoplifting, using public transport without • Reduces truancy by 21%. paying, etc. • Improves the levels of perseverance for tasks that lack intrinsic motivation by • Increases academic performance by at least 7% in mathematics, language and 25%. science, with the greatest improvement among students from less advantaged approximately • Improves students’ growth mindset by at least 16%, that is, the belief that hard backgrounds and previously lower achievers. work and not innate capability is the variable that counts in the achievement of • Reduces truancy by 24%. good results. • Improves the levels of perseverance for tasks that lack intrinsic motivation by 15%. approximately • Improves students’ growth mindset by at least 18%, that is, the belief that hard work and not innate capability is the variable that counts in the achievement of good results. • Increases the proportion of young people helping in the family business without 7%. being paid by • Increases the percentage of young people who have jobs by 11%. JUNIOR ACHIEVEMENT ׀ׂ٪٪٪UǼȬƇƤɅ٪ȷɅɍƫɬ ׀׃