"Moje Finanse" ("My Finances") is the largest economic youth education program in Europe. It addresses the need for financial education towards a society capable of managing their finances (save, borrow, invest) in a rational manner.

Aim:
The program aims at specific educational effects. Young people who complete it should acquire the following skills:

• know the principles of investing in bonds, investment funds and other financial instruments,
• make optimal financial decisions in contacts with banks,
• have knowledge of basic banking services such as bank account, deposits and loans,
• analyse potential outcomes of their financial decisions,
• make conscious decisions concerning investing towards old age, and competences:
• understand the mechanisms of investing in stocks,
• understand the principles of functioning of the banking sector,
• understand the role of the National Bank of Poland,
• understand the principles of pension funds, and learn:
• to use computer technology to collect information about banking products.

Details:
The program is financed by the Leopold Kronenberg Foundation and the National Bank of Poland, and implemented in schools by Junior Achievement Foundation Poland.
It is addressed directly to students and teachers of upper secondary schools across Poland.

"Moje Finanse" ("My Finances") program is delivered in three thematic blocks:

• I like banks - young people learn what money is, what criteria should be considered in selecting a bank account, what are the various types of deposits, how to obtain a loan and avoid credit traps, etc. In the implementation process this module involved the participation of Citi Handlowy volunteers who shared their experience with young people during lessons, workshops and their visits to the branches of Citi Handlowy.
• My investments - This module presents forms of saving and investing financial surpluses, alternatives to bank deposits, with all their strengths and weaknesses. It refers to principles of the capital market and its core instruments, such as shares and bonds, etc.
• Investing towards the future - This module discusses the new pension scheme, its legal basis and methods of saving towards old age. Excellent results of the first edition of the program encouraged organizers to launch the second edition planned for 2008-2010. Content of the second edition was designed to cater for the needs identified in an evaluation survey.
• Be an investor - workshops for teachers and pupils expanding the knowledge delivered in the three basic modules of the program and instructing teachers how to use new more advanced instruments in their work with young people.
• My child in the world of finances - a series of workshops delivered to parents, aimed at making them aware of the necessity of financial education for their children, both at home and at school, and of the consequences of negligence in that respect. This shall lead to a consistent action on the part of parents and teachers, to raise the level of financial education among young people.

Total participation figure is 525,600 young participants. Additionally, training sessions for parents were initiated.

In 2008 "My Finances" was frequently quoted as a model financial education program. Particularly prestigious was its presentation at Citi-FT - Financial Education Summit in Beijing (2008), at which special emphasis was placed on the role of evaluation in the development of educational programs.