0. Aflatoun, Child Social and Financial Education
Dr. Tahira K. Hira, professor & Senior Policy Advisor to the President
On Behalf of Child & Youth Finance International
Financial Literacy Leadership Conference, Washingtom D.C, USA

1. Aflatoun Background
Vision: The reduction of poverty through the development of socially and financially empowered children and youth.
Mission: To inspire children and youth to socially and economically empower themselves to be agents of change in their own lives and for a more equitable world.
Concept: The lack of basic knowledge about rights, responsibilities and finance is at the root of economic and social inequity.

2. What makes the Aflatoun Program Different?
The balance of social and financial education is what makes the Aflatoun concept so unique. Aflatoun believes that a combination on economic empowerment and social education achieves holistic and sustainable empowerment. The Program targets children aged 6-14 (an age range that has not received much focus) in schools, alternative education and non-formal settings. Its methodology is engaging and child friendly, and puts children at the Centre of the learning process through songs, stories, games and worksheets.

3. Aflatoun’s Theory of Change
The theory of change explains how the core curriculum elements are expected to develop certain competency outcomes which results in specific behavioral change.
The behavioral change is expected to produce impact in the medium to long term.

4. Personal Understanding and Exploration: Child-centred activity lessons
Core Elements
Personal Understanding and Exploration: Child-centred activity lessons
Rights and Responsibilities: Self-organized children clubs to exercise participation
Saving and Spending: Savings activities, both monetary and non-monetary
Planning and Budgeting: Economic socialization through savings books, ledgers and bank accounts
Social and Financial Enterprise: Social, community focused and income-generating entrepreneurial activities
Wanted to share with you a couple of books that would be the version for the US to adapt. These books are a new set done for European countries but aimed also for English speaking partners in the Americas, of course they would need some adaptations but I thought maybe you wanted to take a look at them as they are new and off the press.
Book 1
Book 2
Book 3
Book 4
Book 5
Book 6
Book 7
Book 8
Teacher’s Guide

5. Partnership Model
Work through organizations (INGOs, NGOs, Government, Microfinance and Savings Institutions, Teacher training institutes) to deliver programmes
Provide curriculum, technical support, capacity building opportunities, coordination events and shared services to partners of the network
Facilitate multi-stakeholder delivery approaches and regional/global advocacy and fundraising

6. Programme Delivery: Network Partners
Like-minded organizations that come together around our concept with a sense of shared mission and purpose
Local ownership and curriculum contextualization helps filling gaps or compliments existing programming activities
Balance of centralized quality assurance with partners, board and taskforces input

7. Programme Delivery: Teacher Training Colleges (Afla Academy)
Two-week pre-service training to familiarize student teachers with Aflatoun materials and explore appropriate, child-centred use.
A focus on active-learning methods that is transferable beyond Aflatoun and across national curriculum.
Agreement that graduating teachers are permitted to pilot program in schools

8. Outreach
Partners in over 100 countries – 83 countries deliver Aflatoun, over 20 countries are preparing to pilot
Reaching a total of 1,300,000 children – 1,000,000 of which in Aflatoun in 2010
Implemented in schools and non-formal education centers around the world
Teaching material in 60 different contextualized editions and 30 languages
Added one more since we sent you the proposal

9. Aflatoun Around the World
MENA & FR Africa (19)
Jordan
Egypt
Sudan
Palestine
Morocco
Lebanon
Yemen
Guinea Conakry
Guinea Bissau
Mauritius
Chad
Niger
Togo
Côte D’Ivoire
Mali
Burkina Faso
Rwanda
Cameroon
DR Congo
Europe (12)
Serbia
United Kingdom
Moldova
The Netherlands
Kosovo
Albania
Lithuania
Georgia
Kazakhstan
Belarus
Portugal
Macedonia
Asia (18)
India
Bangladesh
Nepal
Pakistan
Philippines
Thailand
China
Indonesia
Cambodia
Mongolia
Afghanistan
Kyrgyzstan
Sri Lanka
Laos
Azerbaijan
Tajikistan
Malaysia
Vietnam
Africa (17)
Ghana
Kenya
Mozambique
Namibia
Nigeria
Tanzania
Uganda
Zimbabwe
Senegal
Gambia
Lesotho
Ethiopia
Madagascar
Zambia
Sierra Leone
Botswana
Swaziland
Americas (17)
Argentina
Ecuador
Paraguay
Peru
Costa Rica
Nicaragua
El Salvador
Brazil
Chile
Honduras
Panama
Guatemala
Mexico
Colombia
Bolivia
Suriname
Puerto Rico

10. Achievements
49% of Aflatoun children are actively saving, that equates to 276,849 children
The average amount saved per month is 0.55 Euro cents per month (USD 2,750,000 / EUR 2,162,028)
Children run 976 social enterprises and 4,054 micro enterprises

11. Why? Child and Youth Finance Education
Certified Savings Accounts
Certified Savings Accounts
Child and Youth Finance Education
Certified Savings Accounts
Have
Avoid
Stay in school longer
Greater self-confidence
Does not fear formal financial institutions
Make choices
Start an enterprise
Plan for future
Can spot high interest Avoid Money Lenders in Crisis
Get loans from financial institutions
Think twice going into debt
Improve financial capability, Break the cycle of poverty!
Make changes for themselves and communities
Documentation of the impact to generate a solid body of evidence that demonstrates a positive relationship between aflatoun’s approaches and improved educational outcomes

12. Step by step guidelines available for the pilot phase
Initial preparation
Planning
Material development
Training
Going live with program
Review and Reflections

13. Aflateen (Youth Program)
Target audience for youth aged 15 and above.
Learning themes are developed towards the lifestyle of a teenager, reflecting its complexity compared to that of a child.
Non-formal peer-to-peer learning will be encouraged where youth can take on a facilitative role in the learning experience.
E learning modules in development to reach youth across the globe.
Program pilot started in 2011.

14. The role of the secretariat
Program set up related
Sharing all educational materials
Providing orientation and training
Providing the Aflakit – partner manual, training manual, evaluation manual, governance manual and resource mobilization manual
Facilitating a visit to the program
Concept impact related
Overseeing quality assurance and impact system, analyzing and publishing data collected
Continuing improving the concept

15. Join our partners!!

16. Valerie Meza, Americas Program Manager
videos for more information:
Aflatoun in short:
6 steps of implementation:
Valerie Meza, Americas Program Manager
Aflatoun, Child Social & Financial Education
Nieuwezijds Voorburgwal 120 – 126 | PO Box 15991
1012 NL Amsterdam | The Netherlands
ph:

17. Your Questions!!!!
Or comments