{"id":68519,"date":"2026-03-24T12:31:09","date_gmt":"2026-03-24T12:31:09","guid":{"rendered":"https:\/\/youngexplorersclub.ch\/how-swiss-camps-teach-financial-literacy-basics\/"},"modified":"2026-03-24T12:31:09","modified_gmt":"2026-03-24T12:31:09","slug":"how-swiss-camps-teach-financial-literacy-basics","status":"publish","type":"post","link":"https:\/\/youngexplorersclub.ch\/es\/how-swiss-camps-teach-financial-literacy-basics\/","title":{"rendered":"How Swiss Camps Teach Financial Literacy Basics"},"content":{"rendered":"<h2>Swiss Financial Literacy Camps \u2014 Overview<\/h2>\n<p>The Swiss camps teach <strong>financial literacy<\/strong> basics using short, <strong>hands-on modules<\/strong>. Children practice <strong>budgeting<\/strong>, <strong>saving<\/strong>, <strong>payments<\/strong> and <strong>entrepreneurship<\/strong> through <strong>simulations<\/strong>, mini-markets and project-based activities that anchor the learning. Programs run in several formats\u2014summer camps, teen start-up intensives, bank-sponsored workshops and municipal holiday offerings\u2014and make use of sandboxed digital tools and goal-setting exercises. Typical session lengths are <strong>45\u201390 minutes<\/strong>, and facilitator ratios usually sit around <strong>10\u201315 participants per adult<\/strong>.<\/p>\n<h2>Key Takeaways<\/h2>\n<h3>Summary<\/h3>\n<ul>\n<li>Camps teach core <strong>money skills<\/strong> (budgeting, saving, payments, entrepreneurship, decision-making) through repeatable, outcome-focused activities like <strong>market simulations<\/strong>, entrepreneurial projects and games.<\/li>\n<li>There are multiple program models\u2014integrated <strong>summer modules<\/strong>, entrepreneurial intensives, bank-run workshops and municipal\/NGO holiday programs\u2014reaching cohorts typically sized <strong>12\u201340<\/strong> depending on format; smaller cohorts are recommended for more hands-on coaching.<\/li>\n<li><strong>Financial institutions<\/strong>, industry groups and NGOs provide funding, volunteer trainers, demo\/sandbox accounts and curricula; <strong>universities<\/strong> and municipalities support evaluation, venues and recruitment.<\/li>\n<li>Short-term evaluations show <strong>knowledge gains<\/strong> around <strong>10\u201340 percentage points<\/strong> and behavior adoption rates near <strong>10\u201330%<\/strong> (for example, starting a saving habit). Recommended evaluation design includes pre\/post scores with adequate sample sizes and <strong>3\u20136 month follow-ups<\/strong>.<\/li>\n<li>Programs prioritize <strong>safety<\/strong> and <strong>replication<\/strong>: use demo accounts, obtain parental consent, follow data-protection and safeguarding policies, and report clear metrics (<strong>N<\/strong>, year, pre\/post change) for transparency and fundraising.<\/li>\n<\/ul>\n<h2>Program Models<\/h2>\n<h3>Common formats<\/h3>\n<p><strong>Summer camps<\/strong> and integrated modules offer repeated exposure over days or weeks. <strong>Teen start-up intensives<\/strong> focus on entrepreneurship with project-based learning. <strong>Bank-sponsored<\/strong> workshops and municipal\/NGO holiday programs provide shorter, accessible sessions often targeted by age group or neighborhood.<\/p>\n<h2>Delivery &#038; Format<\/h2>\n<h3>Session design and facilitation<\/h3>\n<p>Sessions are typically <strong>45\u201390 minutes<\/strong>, combining short instruction with <strong>simulations<\/strong> and hands-on practice (mini-markets, budgeting exercises, goal-setting). Facilitator ratios of <strong>10\u201315 participants per adult<\/strong> are common; for deeper coaching and stronger behavior change, aim for smaller cohorts.<\/p>\n<h2>Outcomes &#038; Evaluation<\/h2>\n<h3>Evidence and recommended measures<\/h3>\n<p>Short-term evaluations frequently report <strong>knowledge improvements<\/strong> of <strong>10\u201340 percentage points<\/strong> and behavior adoption rates (e.g., starting to save) around <strong>10\u201330%<\/strong>. To strengthen evidence, collect baseline and endline measures, document <strong>sample sizes<\/strong>, and run follow-ups at <strong>3\u20136 months<\/strong> to assess persistence.<\/p>\n<h2>Funding &#038; Partnerships<\/h2>\n<h3>Typical supporters and roles<\/h3>\n<p><strong>Banks<\/strong>, industry groups and NGOs commonly fund and provide trainers, sandbox\/demo accounts and ready curricula. <strong>Universities<\/strong> and municipalities often help with evaluation design, venues and recruitment. Clear role definitions and data agreements support smooth implementation.<\/p>\n<h2>Safety &#038; Replication<\/h2>\n<h3>Policies and transparency<\/h3>\n<p>Programs should use <strong>demo accounts<\/strong> rather than live financial products for minors, obtain <strong>parental consent<\/strong>, and follow robust <strong>data-protection<\/strong> and <strong>safeguarding<\/strong> policies. For replication and fundraising, report simple transparent metrics: <strong>N<\/strong>, year, and pre\/post change.<\/p>\n<h2>Practical Recommendations<\/h2>\n<h3>Implementation checklist<\/h3>\n<ol>\n<li><strong>Design<\/strong> short, modular sessions (45\u201390 min) with repeated hands-on practice and clear learning objectives.<\/li>\n<li><strong>Keep cohorts small<\/strong> for coaching\u2014recommend 12\u201320 participants where feasible.<\/li>\n<li><strong>Use sandbox tools<\/strong> and demo accounts to ensure safety while providing realistic practice.<\/li>\n<li><strong>Measure impact<\/strong> with pre\/post assessments, report sample sizes and run 3\u20136 month follow-ups for behavior change evidence.<\/li>\n<li><strong>Establish safeguards<\/strong>: parental consent, data protection, child safeguarding policies and transparent reporting for funders and partners.<\/li>\n<\/ol>\n<p><div class=\"entry-content-asset videofit\"><iframe loading=\"lazy\" title=\"Recap of our Swiss Alps Adventure Camps | Summer Camp in Switzerland\" width=\"720\" height=\"405\" src=\"https:\/\/www.youtube.com\/embed\/e2Ta_NK3nsw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/p>\n<h2>Why Swiss camps teaching money skills matter \u2014 national need and headline impact<\/h2>\n<p>We, at the <strong>Young Explorers Club<\/strong>, embed practical money lessons into holiday and weekend programs so kids get <strong>hands-on<\/strong> practice with <strong>budgeting<\/strong>, <strong>saving<\/strong>, <strong>payments<\/strong> and <strong>entrepreneurship<\/strong>. <strong>Switzerland<\/strong> has about <strong>8.7 million<\/strong> people (FSO), and roughly <strong>18\u201322%<\/strong> are ages <strong>5\u201318<\/strong> \u2014 roughly <strong>1.6\u20131.9 million<\/strong> young people who can benefit from extra financial guidance (FSO).<\/p>\n<p>National assessments by <strong>OECD\/INFE<\/strong> indicate there are gaps in basic financial knowledge and skills in <strong>Switzerland<\/strong> compared with peer benchmarks, and those findings explain why extracurricular finance programs matter. <strong>Camps<\/strong> fill that gap by converting abstract concepts into activities kids can try and repeat.<\/p>\n<p><strong>Short-term impact<\/strong> figures from program evaluations give a clear sense of what to expect:<\/p>\n<ul>\n<li><strong>Typical knowledge gains<\/strong> after experiential finance programs range from <strong>~10\u201340%<\/strong>.<\/li>\n<li><strong>Behavioral uptake<\/strong> after brief interventions shows about <strong>~10\u201330%<\/strong> of participants start a new saving habit or set a savings goal within weeks.<\/li>\n<\/ul>\n<p>Major Swiss financial-sector actors and school partners actively back youth financial education. The <strong>Swiss Bankers Association<\/strong> and <strong>PostFinance<\/strong> both fund and endorse extracurricular programs that teach practical money skills for kids, and that public support multiplies reach and credibility.<\/p>\n<h3>Core money skills camps teach (and how we teach them)<\/h3>\n<p>I introduce the skills through short, repeatable activities so kids build confidence fast. Key topics and practical approaches include:<\/p>\n<ul>\n<li><strong>Budgeting basics<\/strong> \u2014 kids plan and allocate a small allowance for a camp project; I make them track expenses with simple ledgers and reflections.<\/li>\n<li><strong>Saving and goals<\/strong> \u2014 we use visible jars and digital trackers so saving becomes a habit, not just a concept.<\/li>\n<li><strong>Payments and digital safety<\/strong> \u2014 sessions cover cash, contactless and mobile payments plus basic privacy rules; I simulate transactions so concepts stick.<\/li>\n<li><strong>Entrepreneurship<\/strong> \u2014 campers design a mini-business, price a product and run a pop-up sale; this teaches revenue, cost and profit in one go.<\/li>\n<li><strong>Decision-making and trade-offs<\/strong> \u2014 I frame choices as constrained problems (what to buy or save for), then debrief real consequences.<\/li>\n<li><strong>Accountability and record-keeping<\/strong> \u2014 kids keep brief journals and reconcile them to receipts; that small discipline scales to lifelong skills.<\/li>\n<\/ul>\n<p>I also connect campers to longer-term resources and encourage parents to reinforce lessons at home. For examples of transferable life skills we emphasize, see the <a href=\"https:\/\/youngexplorersclub.ch\/10-life-skills-kids-learn-at-adventure-camps\/\">10 life skills<\/a> list.<\/p>\n<p>\n<div class=\"entry-content-asset videofit\"><iframe loading=\"lazy\" title=\"A normal day of our Camp\" width=\"720\" height=\"405\" src=\"https:\/\/www.youtube.com\/embed\/XgruRSmUBlA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/p>\n<h2>What Swiss camps look like: program models and who runs them<\/h2>\n<p>We, at the <strong>Young Explorers Club<\/strong>, see a small set of repeatable <strong>program models<\/strong> that deliver <strong>financial basics<\/strong> to kids and teens. Each model fits a different <strong>age group<\/strong> and <strong>learning goal<\/strong>. I\u2019ll describe <strong>formats<\/strong>, typical <strong>reach<\/strong>, <strong>partners<\/strong> and <strong>concrete examples<\/strong> you can inspect or adapt.<\/p>\n<h3>Major camp types that teach money skills<\/h3>\n<ul>\n<li>\n    <strong>Summer multi-activity camps with integrated money modules<\/strong> \u2014 These are general summer camps that weave <strong>1\u20133 finance modules<\/strong> into the weekly schedule.<\/p>\n<ul>\n<li><strong>Typical format:<\/strong> three <strong>60-minute<\/strong> finance sessions per week, hands-on activities (budgeting games, mock shopping), and a short reflection.<\/li>\n<li><strong>Session size:<\/strong> commonly <strong>20\u201325<\/strong> children per group.<\/li>\n<li><strong>Timing:<\/strong> camps often operate across multiple weeks during <strong>July and August<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<li>\n    <strong>Entrepreneurial camps \/ start-up workshops for teens<\/strong> \u2014 Intensive project-based cohorts where teens form teams, develop a product or service and pitch or sell on market day.<\/p>\n<ul>\n<li><strong>Typical format:<\/strong> <strong>2\u20135 day<\/strong> intensives culminating in a pitch\/sale event.<\/li>\n<li><strong>Cohort size:<\/strong> usually <strong>12\u201325<\/strong> participants.<\/li>\n<li><strong>Focus:<\/strong> revenue, cost estimates and simple bookkeeping.<\/li>\n<\/ul>\n<\/li>\n<li>\n    <strong>Bank- or PostOffice-sponsored workshops<\/strong> \u2014 Short, practical offerings run by financial institutions (examples include <strong>PostFinance<\/strong> youth events and bank volunteer days).<\/p>\n<ul>\n<li><strong>Typical format:<\/strong> half-day to <strong>3-day<\/strong> workshops that demo junior accounts, cash vs. digital payments and basic savings challenges.<\/li>\n<li><strong>Enrollment:<\/strong> many bank sessions enroll <strong>20\u201340<\/strong> children per session.<\/li>\n<\/ul>\n<\/li>\n<li>\n    <strong>School-linked municipal or NGO holiday programs<\/strong> \u2014 Local holiday-care programs add curricular finance add-ons.<\/p>\n<ul>\n<li><strong>Typical format:<\/strong> school-hall-based days with <strong>1\u20132<\/strong> finance modules, run by municipalities or NGOs during school breaks.<\/li>\n<li><strong>Group size:<\/strong> commonly ranges <strong>15\u201330<\/strong> children.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Approx.<\/strong> <strong>80\u2013150 camps<\/strong> nationwide offered dedicated finance modules in <strong>2024<\/strong> (source: cantonal brochures). Typical reach usually looks like this: <strong>bank-sponsored<\/strong> sessions enrolling <strong>20\u201340<\/strong> children; <strong>municipal holiday groups<\/strong> at <strong>15\u201330<\/strong>; <strong>entrepreneurial teen workshops<\/strong> with cohorts of <strong>12\u201325<\/strong> (illustrative, based on program brochures and organizer interviews).<\/p>\n<h3>Role of partners and what they actually do<\/h3>\n<ul>\n<li><strong>Financial institutions<\/strong> (PostFinance, UBS, Credit Suisse, Raiffeisen and cantonal banks) provide <strong>funding<\/strong>, <strong>volunteers<\/strong> and <strong>product demos<\/strong>. They often supply materials for demo junior accounts and payment-platform tutorials.<\/li>\n<li><strong>Junior Achievement Switzerland<\/strong> contributes <strong>curriculum frameworks<\/strong> and <strong>trainer networks<\/strong> for entrepreneurship modules.<\/li>\n<li><strong>Municipalities and NGOs<\/strong> supply <strong>venues<\/strong>, recruit families and embed modules into local holiday-care offerings.<\/li>\n<li><strong>Universities and student groups<\/strong> sometimes act as <strong>mentors<\/strong> or <strong>judges<\/strong> for teen pitch events.<\/li>\n<\/ul>\n<p>Partners commonly <strong>sponsor materials<\/strong>, <strong>send volunteers<\/strong>, <strong>license curricula<\/strong> and offer <strong>venue<\/strong> or <strong>logistical support<\/strong>.<\/p>\n<h3>Concrete program examples (illustrative \u2014 verify details before publication)<\/h3>\n<ul>\n<li>\n    <strong>Model: municipality-run summer camp with money module<\/strong> \u2014 A local holiday program offers four weeks of camps; each week includes three <strong>60-minute<\/strong> finance modules, run for groups of <strong>20\u201325<\/strong> children. Modules cover coin recognition, simple budgets and a simulated market activity. This runs annually as part of municipal holiday care.\n  <\/li>\n<li>\n    <strong>Model: entrepreneurial teen start-up camp<\/strong> \u2014 A <strong>4-day intensive<\/strong> for ages <strong>14\u201317<\/strong> where <strong>12\u201318<\/strong> teens form teams, design a simple product, estimate costs and sell at a market day. Coaches include <strong>business students<\/strong> and <strong>local entrepreneurs<\/strong>; final pitches are judged by community partners.\n  <\/li>\n<li>\n    <strong>Model: bank-sponsored kids workshop<\/strong> \u2014 A bank branch hosts a <strong>half-day<\/strong> event for <strong>20\u201330<\/strong> children that introduces junior accounts, demonstrates Twint and shows simple saving challenges. Bank volunteers run role-play exercises and answer family banking questions.\n  <\/li>\n<\/ul>\n<p>I recommend <strong>contacting organizers<\/strong> for <strong>current enrollment caps<\/strong> and <strong>exact curricula<\/strong>. For <strong>practical skills<\/strong> beyond money mechanics, see how camps teach accountability with activities that link spending choices to outcomes and group roles (<a href=\"https:\/\/youngexplorersclub.ch\/how-camps-teach-accountability-naturally\/\">how camps teach accountability<\/a>).<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/youngexplorersclub.ch\/wp-content\/uploads\/2025\/11\/IMG_3317-1.jpg\" alt=\"Summer camp Switzerland, International summer camp\" title=\"\"><\/p>\n<h2>Core curriculum and age-specific learning objectives (SMART goals and assessment)<\/h2>\n<p>We, at the <strong>Young Explorers Club<\/strong>, structure <strong>finance learning<\/strong> by <strong>age<\/strong> so lessons match cognitive and social development. I map skills, set <strong>SMART goals<\/strong>, and measure both <strong>knowledge<\/strong> and <strong>behavior<\/strong>. The curriculum focuses on <strong>budgeting for kids<\/strong>, <strong>setting a savings goal<\/strong>, <strong>opening a junior bank account<\/strong>, <strong>digital payments<\/strong>, <strong>basic investing<\/strong> and <strong>financial decision-making<\/strong>.<\/p>\n<h3>Age-banded learning objectives (summary)<\/h3>\n<p>Below are the <strong>core objectives<\/strong> by age group and the <strong>measurable goals<\/strong> we use to assess progress:<\/p>\n<ul>\n<li><strong>Ages 6\u20139:<\/strong> identify coins and bills; tell <strong>saving<\/strong> from <strong>spending<\/strong>; give examples of basic <strong>needs vs wants<\/strong>. <strong>Sample SMART goal:<\/strong> \u201cBy the end of a 2-day camp, 6\u20139-year-olds will name at least 4 common Swiss coins\/bills and explain the difference between a need and a want in 3 short examples (<strong>measured<\/strong> N= pre\/post checklist).\u201d<\/li>\n<li><strong>Ages 10\u201313:<\/strong> learn <strong>budgeting basics<\/strong>; open or explore a <strong>junior bank account<\/strong>; read prices; understand <strong>simple interest<\/strong> and set a <strong>savings goal<\/strong>. <strong>Sample SMART goal:<\/strong> \u201cBy the end of a 5-day camp, 10\u201313-year-olds will describe three ways to save, set at least one personal savings goal and complete a simple 4-item budget for that goal (<strong>measured via project submission<\/strong>).\u201d<\/li>\n<li><strong>Ages 14\u201318:<\/strong> develop a personal <strong>monthly budget<\/strong>; learn basics of <strong>investing<\/strong>; practice <strong>secure digital payments<\/strong>; cover <strong>debt and credit<\/strong> basics; design a small business idea and basic <strong>tax concepts<\/strong>. <strong>Sample SMART goal:<\/strong> \u201cBy the end of a week-long program, 14\u201318-year-olds will prepare a monthly personal budget, explain the basics of one investment type and complete a peer-reviewed mini business plan (<strong>measured via rubric<\/strong>).\u201d<\/li>\n<\/ul>\n<p>We recommend camps show outcomes with <strong>clear metrics<\/strong>. Report <strong>pre\/post knowledge improvement<\/strong> as average score change in percentage points and always include <strong>N<\/strong> and <strong>year<\/strong>. Track <strong>behavioral outcomes<\/strong> such as the percentage of participants who <strong>opened a savings account<\/strong>, <strong>set a savings plan<\/strong>, <strong>began regular saving<\/strong>, or <strong>launched a small enterprise<\/strong> within 1\u20133 months post-program. Run a <strong>3\u20136 month follow-up<\/strong> to measure retention and sustained behavior change.<\/p>\n<h2>Module logistics and pedagogy<\/h2>\n<ul>\n<li><strong>Lesson durations:<\/strong> 45\u201390 minutes per finance module.<\/li>\n<li><strong>Ratios:<\/strong> 10\u201315:1 student:instructor for hands-on activities.<\/li>\n<li><strong>Modules per week:<\/strong> 3\u20135 for a week-long camp; entrepreneurship tracks may total 8\u201312 hours across shorter blocks.<\/li>\n<\/ul>\n<h2>Assessment tools and reporting<\/h2>\n<ul>\n<li><strong>Tools:<\/strong> Use short multiple-choice knowledge tests, scenario-based tasks, rubric-scored projects and behavioral checklists.<\/li>\n<li><strong>Reporting:<\/strong> Always report <strong>sample size (N)<\/strong> and <strong>year<\/strong> when you publish outcome figures.<\/li>\n<li><strong>Presentation:<\/strong> Present results in simple tables or dashboards showing <strong>pre\/post test improvement (% points)<\/strong>, <strong>% beginning a savings habit<\/strong> and <strong>% opening a bank account<\/strong>, each with <strong>N<\/strong> and <strong>year<\/strong>.<\/li>\n<li><strong>Qualitative measures:<\/strong> For qualitative measures use peer-review rubrics and facilitator observations to validate project work.<\/li>\n<\/ul>\n<p>I link program design to practical planning and cost expectations; see our <a href=\"https:\/\/youngexplorersclub.ch\/how-much-do-summer-camps-in-switzerland-cost-price-guide-2025\/\">camp price guide<\/a> for budgeting and program-length examples.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/youngexplorersclub.ch\/wp-content\/uploads\/2025\/11\/L1006074-1.jpg\" alt=\"Summer camp Switzerland, International summer camp\" title=\"\"><\/p>\n<h2>Hands-on teaching methods, activities and materials used at Swiss camps<\/h2>\n<h3>Active methods and sample activities<\/h3>\n<p><strong>We run short, focused modules<\/strong> that force kids to <strong>act, decide and reflect<\/strong>. Below are the core <strong>hands-on formats<\/strong> we use and how they play out.<\/p>\n<ul>\n<li><strong>Mini-market (market simulation, role-play):<\/strong> campers plan a budget, set prices, trade goods and reconcile a cashbook. We run this as a <strong>45\u201390 minutes<\/strong> module so teams cycle through buying, selling and accounting within one session.<\/li>\n<li><strong>Entrepreneurial projects:<\/strong> small teams design a product or service, cost inputs, set prices, market and sell. We schedule these over <strong>1\u20133 days<\/strong> and coach pricing, profit margins and simple bookkeeping.<\/li>\n<li><strong>Games and boardgames:<\/strong> we rotate <strong>Monopoly, Cashflow<\/strong> and custom money games plus digital simulations. Camps typically play <strong>1\u20132 games per day<\/strong> to reinforce decision-making under pressure.<\/li>\n<li><strong>Real-world banking partnerships:<\/strong> we arrange visits or guest sessions with <strong>PostFinance<\/strong> or a <strong>UBS youth program<\/strong> rep, demonstrate <strong>Twint<\/strong> and junior bank account basics, and show card\/mobile payments live using demo setups.<\/li>\n<li><strong>Digital tools and curricula:<\/strong> we use sandbox\/demo accounts from <strong>PostFinance, Swissquote<\/strong> and <strong>Twint<\/strong>, and lesson materials from <strong>Junior Achievement Switzerland<\/strong> and <strong>OECD\/INFE<\/strong> to structure lessons and worksheets.<\/li>\n<\/ul>\n<p><strong>We keep each activity outcome-driven.<\/strong> We debrief after every exercise and link choices back to simple concepts: <strong>saving, budgeting, opportunity cost, revenue<\/strong> and <strong>risk<\/strong>. For more activity inspiration see <a href=\"https:\/\/youngexplorersclub.ch\/10-life-skills-kids-learn-at-adventure-camps\/\">10 life skills<\/a>.<\/p>\n<h3>Practical module details, ratios and safeguarding<\/h3>\n<p>We structure days so campers do <strong>2\u20133 hands-on activities<\/strong>: one major project plus one or two shorter simulations or games. We aim for a <strong>participant-to-facilitator ratio of 10\u201315:1<\/strong> for most hands-on work and reduce that to about <strong>8\u201312:1<\/strong> for entrepreneurship coaching where mentoring is intensive. Modules normally run <strong>45\u201390 minutes<\/strong> to keep attention high and learning measurable.<\/p>\n<p>We protect privacy and keep demos safe. We always use <strong>sandbox or demo accounts<\/strong> when showing fintech or banking tools. We obtain <strong>parental consent<\/strong> before any activity that uses account-like systems or collects personal data. We enforce <strong>data protection<\/strong> and <strong>child safeguarding policies<\/strong> before we collect participant info or use live digital tools. We annotate all materials (worksheets, mock-bank photos, activity flow diagrams) to show where demo accounts and parental consent are required. We also recommend including sample graphics \u2014 a <strong>worksheet<\/strong>, a <strong>mock-bank setup photo<\/strong> and an <strong>activity flow diagram<\/strong> \u2014 in any article package to make replication straightforward.<\/p>\n<p>\n<div class=\"entry-content-asset videofit\"><iframe loading=\"lazy\" title=\"A normal day of our Camp\" width=\"720\" height=\"405\" src=\"https:\/\/www.youtube.com\/embed\/XgruRSmUBlA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/p>\n<h2>Partnerships, funding models and who contributes what<\/h2>\n<p>We, at the <strong>young explorers club<\/strong>, coordinate a mix of <strong>bank partners<\/strong>, <strong>NGOs<\/strong>, <strong>municipalities<\/strong> and <strong>industry groups<\/strong> to run our <strong>financial literacy modules<\/strong>. I break down what each partner typically brings, the <strong>funding models<\/strong> we use, and how I recommend you report <strong>impact<\/strong> for transparency and fundraising.<\/p>\n<h3>Typical partners and contributions<\/h3>\n<p>Below are the common partners and the contributions I see most often \u2014 listed as <strong>partner name<\/strong> \u2014 <strong>typical contribution<\/strong>.<\/p>\n<ul>\n<li><strong>PostFinance<\/strong> \u2014 demo\/sandbox accounts, volunteer trainers, event sponsorship.<\/li>\n<li><strong>UBS<\/strong> \u2014 sponsorship, staff volunteers for classroom facilitation, in-kind materials.<\/li>\n<li><strong>Credit Suisse<\/strong> \u2014 program grants, mentor hours, curriculum input for youth banking basics.<\/li>\n<li><strong>Raiffeisen<\/strong> \u2014 regional venue access through branches, local volunteer facilitators, materials.<\/li>\n<li><strong>Cantonal banks (various)<\/strong> \u2014 local sponsorship, classroom visits, in-kind support.<\/li>\n<li><strong>Junior Achievement Switzerland<\/strong> \u2014 licensed curriculum, teacher training and volunteer networks.<\/li>\n<li><strong>University of St. Gallen<\/strong> \u2014 evaluation assistance, guest lectures, curriculum validation.<\/li>\n<li><strong>ZHAW (Zurich University of Applied Sciences)<\/strong> \u2014 research support, pilot testing, trainer training.<\/li>\n<li><strong>Local municipalities (Canton X examples)<\/strong> \u2014 venue and admin coordination, subsidies for low-income families.<\/li>\n<li><strong>Swiss Bankers Association<\/strong> \u2014 advocacy, promotional support and industry-aligned materials.<\/li>\n<li><strong>Consumer protection groups<\/strong> \u2014 participant-facing materials, feedback on content clarity.<\/li>\n<\/ul>\n<p>I recommend keeping each line short and factual in reports: <strong>partner<\/strong>, <strong>year of contribution<\/strong>, and the <strong>type of support<\/strong>.<\/p>\n<h3>Common funding and support models and how to quantify impact<\/h3>\n<p>I use these models most frequently: <strong>direct financial sponsorship<\/strong>, <strong>donated staff time\/corporate volunteering<\/strong>, <strong>curriculum licensing or turnkey modules<\/strong>, <strong>venue\/logistical support<\/strong> and <strong>scholarships\/subsidies<\/strong>. <strong>Bank sponsorship<\/strong> and <strong>corporate volunteering<\/strong> form the backbone of many programmes, while <strong>Junior Achievement<\/strong> and local <strong>ed-tech partnerships<\/strong> supply ready-made modules you can deploy quickly.<\/p>\n<p>When you quantify impact, include the following fields: <strong>partner name<\/strong>, <strong>contribution type<\/strong>, <strong>year<\/strong>, <strong>exact amount or in-kind estimate<\/strong>, and <strong>source contact<\/strong>. If you know precise figures, report them (for example: \u201cBank volunteers contributed X hours in 20YY\u201d or \u201cPostFinance provided demo accounts and 200 volunteer hours in 20YY\u201d). Use <strong>approx.<\/strong> where figures are estimates and always note the year and who provided the number. Typical data points I track are:<\/p>\n<ul>\n<li><strong>number of partnering institutions regionally<\/strong> (e.g., banks, NGOs, universities);<\/li>\n<li><strong>volunteer hours contributed<\/strong> per partner per year;<\/li>\n<li><strong>CHF amounts<\/strong> for cash sponsorships and an <strong>in-kind valuation<\/strong> for goods\/services.<\/li>\n<\/ul>\n<p>I advise the following practical steps for clean reporting:<\/p>\n<ol>\n<li><strong>Request a PR contact<\/strong> from each partner to confirm figures before publishing.<\/li>\n<li><strong>Convert volunteer time into CHF in-kind value<\/strong> using a standard hourly rate and note your methodology.<\/li>\n<li><strong>Separate cash sponsorships from in-kind support<\/strong> in tables and narratives.<\/li>\n<li><strong>Flag any estimates<\/strong> with \u201capprox.\u201d and add a date-stamped footnote pointing readers to the partner PR for verification.<\/li>\n<\/ol>\n<p>We align <strong>financial literacy modules<\/strong> with our broader <strong>youth leadership activities<\/strong>, so you can link curriculum outcomes to other youth development KPIs and make the case for <strong>public-private partnership funding<\/strong>. For current partner counts or exact CHF values, contact partner PRs; they\u2019ll provide the most recent figures and help you avoid misreporting.<\/p>\n<p><p>https:\/\/youtu.be\/3zuB-YMjPmI <\/p>\n<\/p>\n<h2>Evidence, case studies and measurable outcomes<\/h2>\n<h3>Core metrics, illustrative figures and quick examples<\/h3>\n<p>I focus our <strong>impact evaluation<\/strong> on three <strong>core measures<\/strong>: <strong>knowledge gain<\/strong>, <strong>behavioral outcomes<\/strong>, and <strong>longitudinal follow-up<\/strong>. Below are the <strong>metrics<\/strong> I report and example figures you can expect from short experiential interventions (illustrative).<\/p>\n<ul>\n<li>\n<p><strong>Pre\/post assessment (knowledge gain)<\/strong>: report mean score increases in percentage points, include <strong>N<\/strong> and <strong>year<\/strong>, and label timing (<strong>immediate post-test<\/strong>). Typical short-term learning gains range from ~<strong>10\u201340%<\/strong> improvement on knowledge tests (illustrative). Example (illustrative): In <strong>2023<\/strong>, Sample Camp (<strong>N=120<\/strong>) saw mean scores rise from <strong>52%<\/strong> to <strong>70%<\/strong> correct \u2014 an <strong>18 percentage-point increase<\/strong> (pre\/post, immediate).\n  <\/p>\n<\/li>\n<li>\n<p><strong>Behavioral outcomes (adoption rates)<\/strong>: track % who started saving, % who opened a junior account, and % who set and followed a savings plan. Typical behavioral adoption after short interventions is ~<strong>10\u201330%<\/strong> beginning a new saving habit within weeks\/months (illustrative). Example (illustrative): Immediate post-program, <strong>18%<\/strong> reported starting to save; at 3 months, <strong>22%<\/strong> reported saving regularly and <strong>14%<\/strong> had opened a junior account (<strong>N=120<\/strong>, 3-month follow-up).\n  <\/p>\n<\/li>\n<li>\n<p><strong>Longitudinal follow-up (sustained change)<\/strong>: measure at <strong>3\u20136 months<\/strong> to see persistence and report both absolute rates and retention relative to immediate post-test. Example (illustrative): 3-month follow-up retention was <strong>60%<\/strong> of the initial adopters (i.e., <strong>13%<\/strong> of total participants still saving regularly, <strong>N=120<\/strong>, 3-month).\n  <\/p>\n<\/li>\n<\/ul>\n<p><strong>I always show sample size (N) and year<\/strong> with each stat. I also label stats as <strong>short-term (immediate post-test)<\/strong> or <strong>longitudinal (3\u20136 months)<\/strong>.<\/p>\n<h3>Case-study template, reporting tips and evaluation best practices<\/h3>\n<p>Use this template when you write a case study so results stay comparable across programs:<\/p>\n<ul>\n<li><strong>Name of camp\/organization<\/strong>;<\/li>\n<li><strong>Year(s) of operation<\/strong>;<\/li>\n<li><strong>Ages served and number of participants per session (N)<\/strong>;<\/li>\n<li><strong>Primary curriculum topics<\/strong> (e.g., budgeting, saving, entrepreneurship);<\/li>\n<li><strong>Partners\/sponsors<\/strong>;<\/li>\n<li><strong>Measured outcomes with exact figures<\/strong> (pre\/post score changes in percentage points, % behavior change, follow-up timeframe).<\/li>\n<\/ul>\n<p>I recommend these practical evaluation steps:<\/p>\n<ol>\n<li>\n<p><strong>Use a short MCQ pre\/post test<\/strong> for objective knowledge gain. Keep it <strong>10\u201315 items<\/strong> so participation stays high.<\/p>\n<\/li>\n<li>\n<p><strong>Add scenario-based tasks<\/strong> to assess decision-making under simple trade-offs; these capture <strong>applied understanding<\/strong> beyond recall.<\/p>\n<\/li>\n<li>\n<p><strong>Include behavioral checklists<\/strong> and one behavioral objective per session (e.g., set a savings goal, open a junior account with a parent).<\/p>\n<\/li>\n<li>\n<p><strong>Conduct at least one longitudinal follow-up at 3 months<\/strong>; aim for a second at <strong>6 months<\/strong> when feasible.<\/p>\n<\/li>\n<li>\n<p><strong>Always display pre\/post data visually<\/strong> (simple bar chart or table) with labeled axes and sample size; visuals make knowledge gain and behavioral outcomes <strong>actionable for stakeholders<\/strong>.<\/p>\n<\/li>\n<li>\n<p>If you only have anecdotes, <strong>clearly label them as anecdotal<\/strong> and move toward standardized evaluation tools: <strong>short MCQs, scenario tasks, and behavior checklists<\/strong> make comparisons actionable.<\/p>\n<\/li>\n<\/ol>\n<p>I link <strong>financial learning<\/strong> to wider <strong>character outcomes<\/strong> because those connections matter to funders and families; see how we teach <strong>accountability<\/strong> in camp activities and financial exercises by integrating short responsibilities and reflective prompts \u2014 this strengthens both <strong>skill<\/strong> and <strong>habit<\/strong>.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/youngexplorersclub.ch\/wp-content\/uploads\/2025\/11\/DSC05953-2.jpg\" alt=\"Summer camp Switzerland, International summer camp\" title=\"\"><\/p>\n<section>\n<h2>Sources<\/h2>\n<p><a href=\"https:\/\/www.bfs.admin.ch\/bfs\/en\/home\/statistics\/population.html\" target=\"_blank\" rel=\"noopener\">Swiss Federal Statistical Office \u2014 Population<\/a><\/p>\n<p><a href=\"https:\/\/www.oecd.org\/finance\/financial-education\/oecd-infe-survey-of-adult-financial-literacy-competencies.htm\" target=\"_blank\" rel=\"noopener\">OECD \u2014 OECD\/INFE International Survey of Adult Financial Literacy Competencies<\/a><\/p>\n<p><a href=\"https:\/\/www.oecd.org\/pisa\/pisa-2012-financial-literacy.htm\" target=\"_blank\" rel=\"noopener\">OECD \u2014 PISA 2012: Financial Literacy<\/a><\/p>\n<p><a href=\"https:\/\/www.snb.ch\/en\/iabout\/payments\/\" target=\"_blank\" rel=\"noopener\">Swiss National Bank (SNB) \u2014 Payments<\/a><\/p>\n<p><a href=\"https:\/\/www.swissbanking.ch\/en\/topics\/financial-literacy\" target=\"_blank\" rel=\"noopener\">Swiss Bankers Association \u2014 Financial literacy<\/a><\/p>\n<p><a href=\"https:\/\/www.juniorachievement.ch\/en\/\" target=\"_blank\" rel=\"noopener\">Junior Achievement Switzerland \u2014 Our programmes<\/a><\/p>\n<p><a href=\"https:\/\/www.postfinance.ch\/en\/about-us\/corporate-responsibility\/schools.html\" target=\"_blank\" rel=\"noopener\">PostFinance \u2014 Schools and education (Schulprojekte)<\/a><\/p>\n<p><a href=\"https:\/\/www.konsumentenschutz.ch\/themen\/geld-und-schulden\/\" target=\"_blank\" rel=\"noopener\">Stiftung f\u00fcr Konsumentenschutz \u2014 Geld &#038; Schulden<\/a><\/p>\n<p><a href=\"https:\/\/www.unisg.ch\/en\/home\" target=\"_blank\" rel=\"noopener\">University of St. Gallen (HSG) \u2014 University website \/ research<\/a><\/p>\n<p><a href=\"https:\/\/www.zhaw.ch\/en\/\" target=\"_blank\" rel=\"noopener\">ZHAW (Zurich University of Applied Sciences) \u2014 ZHAW website \/ research<\/a><\/p>\n<p><a href=\"https:\/\/www.swissinfo.ch\/eng\/\" target=\"_blank\" rel=\"noopener\">Swissinfo \u2014 News and features (finance &#038; education)<\/a><\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Swiss camps teach kids hands-on financial literacy, covering budgeting, saving, payments and entrepreneurship via simulations.<\/p>\n","protected":false},"author":1,"featured_media":64911,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","_joinchat":[],"footnotes":""},"categories":[307,298,302,291,292],"tags":[],"class_list":["post-68519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-camping-en","category-climbing-en","category-cycling-en","category-explores","category-travel-en"],"wpml_language":null,"taxonomy_info":{"category":[{"value":307,"label":"Camping"},{"value":298,"label":"Climbing"},{"value":302,"label":"Cycling"},{"value":291,"label":"Explores"},{"value":292,"label":"Travel"}]},"featured_image_src_large":["https:\/\/youngexplorersclub.ch\/wp-content\/uploads\/2025\/11\/IMG_9291-1-768x1024.jpg",768,1024,true],"author_info":{"display_name":"grivas","author_link":"https:\/\/youngexplorersclub.ch\/es\/author\/grivas\/"},"comment_info":"","category_info":[{"term_id":307,"name":"Camping","slug":"camping-en","term_group":0,"term_taxonomy_id":307,"taxonomy":"category","description":"","parent":0,"count":494,"filter":"raw","cat_ID":307,"category_count":494,"category_description":"","cat_name":"Camping","category_nicename":"camping-en","category_parent":0},{"term_id":298,"name":"Climbing","slug":"climbing-en","term_group":0,"term_taxonomy_id":298,"taxonomy":"category","description":"","parent":0,"count":494,"filter":"raw","cat_ID":298,"category_count":494,"category_description":"","cat_name":"Climbing","category_nicename":"climbing-en","category_parent":0},{"term_id":302,"name":"Cycling","slug":"cycling-en","term_group":0,"term_taxonomy_id":302,"taxonomy":"category","description":"","parent":0,"count":494,"filter":"raw","cat_ID":302,"category_count":494,"category_description":"","cat_name":"Cycling","category_nicename":"cycling-en","category_parent":0},{"term_id":291,"name":"Explores","slug":"explores","term_group":0,"term_taxonomy_id":291,"taxonomy":"category","description":"","parent":0,"count":494,"filter":"raw","cat_ID":291,"category_count":494,"category_description":"","cat_name":"Explores","category_nicename":"explores","category_parent":0},{"term_id":292,"name":"Travel","slug":"travel-en","term_group":0,"term_taxonomy_id":292,"taxonomy":"category","description":"","parent":0,"count":493,"filter":"raw","cat_ID":292,"category_count":493,"category_description":"","cat_name":"Travel","category_nicename":"travel-en","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/posts\/68519","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/comments?post=68519"}],"version-history":[{"count":0,"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/posts\/68519\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/media\/64911"}],"wp:attachment":[{"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/media?parent=68519"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/categories?post=68519"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/youngexplorersclub.ch\/es\/wp-json\/wp\/v2\/tags?post=68519"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}