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Financial Literacy for You
Date du début: 1 sept. 2014, Date de fin: 31 oct. 2016 PROJET  TERMINÉ 

The economic crisis revealed serious gaps in financial literacy of citizens of the EU. Countries as well as individuals executing poor financial management steps contribute to global economic instability. The need for higher financial literacy of the EU population was expressed by the European Commission in 2008 when the Expert Group on Financial Education was set up. The rising indebtedness on both individual and national level within the EU is only a one of the facts proving the need for more joint effort concerning improvement of financial literacy of the EU citizens. The FLY project has several objectives. In the most general perspective, the project aims to contribute to the following European development strategies: • Europe 2020 Strategy o Target 4 – Education o Target 5 – Fighting poverty and social exclusion Financial education was articulated by the European Commission to be a necessary part of the process of lifelong learning. The goals of the FLY project are: • corresponding with the goals of the Erasmus+ programme also in the field of sustainable development of higher education and in education of adults, as the project aims at a spectrum of target groups. • in line with the Erasmus+ programme’s objectives through its European level and in its focus on development of new, modern and sustainable open educational resources and tools. • increased levels of financial literacy. • raised awareness of risks of poor personal financial management. The consortium of partners consists of consulting, training and educational private companies and non-profit training and educational centres and universities. The partnership possesses the required expertise to cover all phases and aspects of the project. The consortium is composed of partners from the Czech Republic, Spain, Italy, Austria, Bulgaria, Romania and the United Kingdom. The FLY project will be performed through activities covered within the Project Management and Implementation budget and the budget for Intellectual Outputs. Two Intellectual Outputs will be produced. The first Output is the E-Course on Financial Education, being the interactive e-learning tool to be used by the target groups for assessing and improving their levels of financial literacy. Two activities will be performed within this Output – in the first phase, participating organisations will develop the content of three independent e-learning modules of the E-Course, each designated for one target group (secondary education students, higher education students, adults). In the second phase, the E-Course on Financial Literacy will be delivered. The second Intellectual Output is the Raising Awareness Campaign, comprising of activity focused on identification of target groups to be involved in the Raising Awareness Workshops and in the Campaign. Workshops are the last activity in this Output, preceded by activity on forming the content of the Workshops. The methodology used in the FLY project address the needs of the modern trends in education, including digitalisation of learning and the preference of personal approach in teaching. The main output – the E-Course on Financial Education - is a free distance learning tool, designed and produced by experts on financial literacy and IT. Personal approach to target groups during the Raising Awareness Campaign complements the complex methodology used for this project. The results desired to be achieved include: • creation of the E-Course on Financial Literacy • identification of target groups for the purposes of the Raising Awareness Campaign • advertisement materials of the Campaign areproduced and distributed • a series of Workshops conducted at schools and in companies • Raising Awareness Campaign is carried out Thanks to these results accomplished, the following impact is envisaged. On European level, countries will benefit from more responsible consumer behaviour of citizens which would support also the economic development of EU. The field of financial education will be better understood on both international and national levels. The project will contribute to implementation of national strategies on financial education in the project countries. On individual level, the level of financial literacy of participants will increase and they will also be more aware of the risks of poor financial management. From the perspective of longer terms benefits, the FLY project will extend its impact beyond the time schedule of the project thanks to its linkage to the national strategies on financial education. The outputs produced will remain available to be used by individuals and organisations and institutions such as schools or companies in order to continue educating their students and employees. Increased financial literacy is considered to be another crucial element benefiting individuals, countries and the EU as a complex community.

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