Financial education programs

To promote financial inclusion, the Central Bank, in collaboration with different provincial governments, ministries, universities, financial institutions, non-financial entities and national and international organizations, carries out educational programs aimed at different audiences to promote the development of the financial skills and health of all people, prioritizing the most vulnerable sectors of society. These programs and actions seek, in some cases, to reach a greater number of people; in others, to incorporate new topics or new audiences that require specific approaches and assistance oriented to their needs.

Secondary Teacher Training

Virtual Training “Financial Education in the Classroom”

Between 2020 and 2024, this program was applied in 10 provinces (Chaco, Catamarca, La Pampa, La Rioja, Misiones, Neuquén, San Juan, San Luis, Santa Fe and Tierra del Fuego.)It is aimed at teachers, mainly secondary school teachers. Those who take this program must develop financial education content in the classroom and their students must socialize the knowledge and skills acquired in the community.
Teachers are expected to:

– Update and strengthen Financial Education content.

– Be interested in integrating Financial Education into their curricula.

– To facilitate the development of financial skills and the socialization of knowledge with the community.

More than 20,000 teachers have already signed up, teaching about 1,300,000 students annually. Until 2024, more than 6,900 teachers certified the course, working with 201,048 students and will continue to work with different groups in the future. For their part, the students carried out actions to transfer learning to their community and their families, reaching more than 128,000 people.

Financial Education grows throughout the country

Registration Certifications | 2020- 2024

YEAR INSCRIPTIONS CERTIFICATIONS
Teachers Students Schools Teachers Students Schools People Reached
2020 567 5.965 166 265 5.965 166 13.454
2021 1.673 145.088 1.117 496 13.629 484 52.247
2022 2.701 311.205 1.496 584 19.745 683 26.318
2023 4.936 424.933 1.441 1.819 53.309 1.441 26.712
2024* 10.188 405.294 2.122 3.805 108.400 2.911 9.984
TOTAL 20.065 1.292.485 6.342 6.969 201.048 5.685 128.715

* Part of the registrations were made by the provincial education authorities and there is no information on schools and students reached.

In 2025, the program will have two lines of training for teachers: one conceptual and the other aimed at integrating financial education content in the classroom with students.

Teacher training is addressed in two stages:1. Introduction to Financial Education: aimed at secondary school teachers and focused on conceptual training. 2. Didactics of Financial Education: aimed at teachers who have already been trained at a theoretical level (who have passed stage 1 or who have certified the course “Financial Education in the classroom”) and whose interest is focused on the didactic transposition of Financial Education content.

Training of trainers and audiences with specific approaches

“Finance Nearby” Program

With this program, the Central Bank seeks to reach entrepreneurs and those who require priority attention in terms of financial education and inclusion, whether for economic, social, age, geographical issues, among others. There are courses for trainers, which involve both conceptual and territorial implementation aspects, as well as conceptual courses for the final beneficiaries. The objectives of the program are:

– Promote financial education and inclusion.
– Develop financial skills to interact in an informed and critical way with the financial system.
– Contribute to improving financial decision-making.
– Promote the use of electronic means that facilitate remote access to financial services and progressively replace the use of cash.

Between 2021 and 2024, more than 4,000 referents from the provinces of Formosa, Neuquén, San Juan, Santa Fe, Misiones, Tierra del Fuego, La Pampa, Chubut, Rio Negro, Entre Ríos, La Rioja participated in this program, including workers from different government departments, volunteers from provincial public banks, university students, teachers and students from higher education institutions and the youth and adult modality. The trainers have implemented training with specific groups in the territory in face-to-face mode. Among these trainings, together with those given by the BCRA to final beneficiaries through the virtual modality, more than 8,100 people have been reached, including microentrepreneurs and aspirants and cadets of the Argentine Naval Prefecture.

Visit to the BCRA and Financial Education workshop:

In 2024, visits by secondary schools to the BCRA resumed. It is a one-hour participatory workshop that includes, among others, the following topics:

– BCRA: Missions and functions.
– What is financial education?
– Cash or digital wallet?
– Accounts for minors
– Savings and investment in the financial
system- Risks in terms of information security and online betting.

Schools/teachers who are interested in participating in the workshops can write to bancocentraleduca@bcra.gob.ar

Working Group on Financial Education Initiatives (GTIEF)

The BCRA formed a Working Group for Financial Education Initiatives together with leading organizations and companies in the country’s financial system and payment ecosystem, to promote financial education actions in Argentina.This Group, which brings together the Association of Banks of Argentina (ABA), the Association of Public and Private Banks of the Argentine Republic (ABAPPRA), the Association of Specialized Banking (ABE), the Association of Argentine Banks (ADEBA), the Argentine Fintech Chamber, the Chamber of Credit and Purchasing Cards (ATACYC) and the associated companies, are working on a detailed plan with the following objectives:

– Coordinate actions in the country that enhance the impact of each organization’s initiatives.
– Promote the development of content and teaching materials for the entire population.
– Design specific approaches for different audiences.
– Promote good practices to contribute to improving the financial health of the population.
– Implement training with a federal scope.

This initiative seeks to generate a significant impact on the understanding and management of citizens’ financial resources to contribute to greater inclusion and financial well-being throughout the country.

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