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The presentation of the PROMOTER and the objectives of the PROJECT
DAR DEVELOPMENT ASSOCIATION has as strategic goal for the next period : to be-
come known as provider of non-formal programs regarding subjects related to the economical
environment, based on the experience in business of the people who set this NGO in 2013
After experimenting our method The Business Chest in several other activities, in 2015, we
proposed and implemented a multi actions Youth Mobility K1 Erasmus project, that we named:
Journey into Finance, which included a 5 days training for youth workers and a 12 days youth
exchange. We invited as partners 5 youth organizations coming from Bulgaria, Poland, Italy,
Turkey an Croatia, NGOs with experience in international activities which expressed their
interest for the theme of the project and contributed to the creation of the activity plan.
They are briefly introduced in the next page.
The main objectives of the project were: stimulating the entrepreneurial spirit of young peo-
ple through non-formal activities and constructive exchanges of ideas ;
Offering to participants an international experience involving multiculturalism and EU citizen-
ship in ERASMUS PLUS context
The purpose of the project is to embark the participants in a journey of
reflection, discoveries and experiences that will place them as responsible citizens in front of
personal and carrier choices.
Journey into Finance is about creating through nonformal learning, awareness and under-
standing over a series of related concepts having in common the MONEY, bringing the partici-
pants to the exchange closer to the realities on the European labor market and capital mar-
ket and equipping the youth workers with a set of tools that will ease the dissemination of
these subjects.
Alexandra Brutaru
President of DAR DEVELOPMENT Association
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Health related Organization for Promotion and Prevention (HOPP) is an
association especially for young people. We operate throughout Poland, but
headquarters of the Organization are in Opole. We invest effort on health
education and expanding awareness of public’s health topics. The association
gives an opportunity to build new connections and relationships between people
from all over the Europe. We are promoting non-formal education methods that
can be applied that the young people get more aware of the benefits of a healthy
Narodno Chitalishte “Nikola Vasilev Rakitin” (Community Culture Centre) is a
Bulgarian association for public benefit that unites volunteers in cultural and
humanitarian activities since 1890. Our activities consist if:
Youth work – Global Youth Service Day – volunteering at the House for disabled
children, trainings in summer and winter camps – Human Rights
Management training – Junior Achievement program - young entrepreneurs
Non-formal training to furthering the cause of human rights “Community Theatre”
EYDER is a non-profit, non-government organization founded in 2006 with the
aim to provide a wide range of activities in the fields of art, sport and free-time
activities. Our association has already accredited by Turkish National Agency
(2011-TR-41) Eyder has 100 members who have different jobs and groups (young
Teachers, engineers, doctors).The Members work as volunteers for
association for the same purpose. Generally we coordinate lots of EU youth
projects such as Action 1.1 ,1.2,3.1 Action 4.3.and EVS. Besides, education
EURO-NET has a wide experience in the youth field and owns permanent and highly
qualified facilities for training courses, meetings, apprenticeships, workshops, youth
exchanges or initiatives, etc. with different skills: its facilities, together with the
staff’s skills, allow to always meet the stated goals.
EURO-NET has realized and developed over 300 different kinds of activities in many
fields (languages, IT, European citizenship, comics, self-esteem, family support,
video graphics, animation, projects management, marketing, etc.) including
Raplection is informal group of young people, from Split, very active in ex Youth in
Action programme for the last 3 years. Our main aims are informing and raising
awareness of the European Union and its educational programs; promoting
self-fulfillment and personal development of young people through educational
programs of the European Union and developing non-formal education, intercultural
dialogue, international cooperation and active civil society.
RAPLECTION
The partner organizations
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What is this booklet for?
The booklet you are reading aims to give the readers, a set of tools to start working with the
youngsters of your local community on concepts encountered in Financing and Entrepreneurship in
particular. The description of the sessions is short sinc we choosed to insert pictures which better
describe the method used, the materials used. We preffered not o give the uration since this can
varry according to the number of participants.
Methodology
The activity that you will find described in this document is using the principles of
non-formal education (NFE). Therefore, the methodologies used throughout the whole activity,
in each and every session, are always based on participation. Another key feature of
the activity is the focus on practice. The theoretical input is always followed by a
practical approach to the topic.
These two main features are translated into the sessions in a large variety of methods such as
brainstorming, debates, simulations, case studies, round-tables, role games, etc.
Profile – Target Group
The proposed activities are aimed to youngsters willing to become familiar with the Finances and
Financing entering in what we called the World of Money and with Entrepreneurship in particular.
No prior knowledge on finance or accounting is required, since it’s an introductory approach.
Author
The present booklet was prepared entirely by Mrs. Alexandra Brutaru, the president of DAR
DEVELOPMENT a Association, based on her experience as a banker, financial consultant and
trainer.
This project has been funded with support from the European Commission.
This publication [communication] reflects the views only of the author, and the
Commission cannot be held responsible for any use which may be made of the
information contained therein.
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The activities were structured in four blocks as shown in the mind map below:
The first block started with money in sense of currency and tackled the following as-
pects during one full day during the exchange:
the Money evolution (presentation of the currencies of each country)—the crea-
tion of EURO– exchange rates
Budgeting –money utilization on the level of individuals and families thus one day
was dedicated to “easy spending” we refrained from naming it bad spending and
we approached the subjects luxury and gambling. Another day was dedicated to
reasonable expenditures and we talked about: savings and consumer rights– with
an application on fair and unfair advertising which introduced us in the subject of
entrepreneurship;
The second block ENTREPRENEURSHIP, represented the main subject that was cov-
ered in five days during the exchange. In its turn this was divided into two sub-
activities one revolving on the other in the creation of business models for the enter-
prises that they established.
The PROFILE OF THE ENTREPRENEUR –The Business Chest identifies and
explores the essential competences for Entrepreneurship, the main competences
in order to successfully start and run an enterprise. In the same time it offers
an outlookcof those skills and attitudes commonly agreed as essential for
employability. In the second one the participants creted the Profile of the
Entrepreneurs of the companies that they developed as Bussiness case.
The BUSINESS CASE development took five days in which the participants
worked on different tasks divided in multinationl teams. The teams changed
during the development each case thus giving the opportunity to interacts with
more participants and to studydifferenttype of businesses.The tasks were
related to the creation of:
The logo, the mission, values and objectives that would differentiate their com-
pany on the market from their competitors.
An advertisement for the products of the company
Start the company and compute the balance sheet and the profit and loss ac-
count in the first month. The participants learned about several financing possi-
bilities , they had to assess the needs and find financing for their businesses and
in the end of the day they will produce, market and sell their products.
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The last two blocks of activities took the participants away from the world of money, fi-
nancing and entrepreneurship:
The third block led the participants briefly in the concept of CORPORATE SOCIAL RE-
SPONSIBILITY:
The participants proposed measures that could be taken by the companies in the four
directions: environment, human resources, neighboring community and authorities.
The participants visited a multinational located near the place where the exchange took
place an discussed with the CSR responsible about the measures taken by this company
in particular.
The fourth and last block o which it was dedicated just one day was called A DAY WITH-
OUT MONEY and included three activities:
Developing and staffing a volunteering project;
Envisaging pleasant activities that would take place in a day without money
Sending sympathetic messages to the community which hosted the exchange during 12
days.
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Slide show with participants contributions–
Facilitated discussion
The participants divided on national teams present through a slide show the
currency of their country explaining the significance of the symbols, the images
and the characters who are portrayed on the currency, they will share with the
other participants the evolution of the currency in their country during history.
Participants were encouraged to ask questions to their colleagues from other
countries.
Objective of this session : demonstrate multiculturalism,
common history, common values, European citizenship
Show me the MONEY !
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The long way of the national currencies
into EURO
Facilitated discussion
The facilitator presents to the participants information regarding the
evolution of the European Union from its inception, the way the decision on a
single currency was taken, and the way the euro evolved and was introduced in the
countries, also the plans for the extension of the Eurozone.
There are used materials maps and brochures received from the European Commis-
sion representative office in Romania.
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This project has its own currency !
Objective: mathematical skills, fairplay, individual organization,
team spirit, competition spirit
Each participant receives a card a Bank Statement that he has to keep in an envelope pinned
on the wall. The participants receive as reward for their contribution, both individual or as
member of a team—JIF-s the currency of the exchange.
At the end of the activity a classification is done according to the amounts gained.
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The facilitator presents the participants divided by groups of 10 the “concept” of
exchange house meaning—polite, fast and correct service . In this role-paly relay game,
within the groups the participants will take turns and they will be
successively acting as exchange house officers, managers and customers.
The participants will be given various amounts of the currency of the exchange that each
of them will have to exchange in other currencies. They will form lines in front of the
exchange houses and the entire time will have to pass in front of the desk as soon as possi-
ble and to receive a receipt with the money that they must
collect. The teams will be given time to decorate their exchange –booths. The
officer will compute manually while the manager will have access to the computer and will
verify and control the mistakes.
Purpose: gain mathematical and technical competences,
team work, coordination.
The exchange house
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Presentation-Graphical facilitation
The participants work in national teams
and present the structure of the family
budget in their country according to
their best knowledge, using the same
categories of expenses.
Family budget
Objective of the session: community in-
volvement, mathematical competences, EU
citizenship, communication skills
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Survey
The participants receive forms with the same categories of ex-
penses and they perform a survey asking the inhabitants of the
city of Targoviste about their breakdown of the family budget.
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In this session the participants work in groups randomly
selected, they will receive glossy magazines and their task will be to
do a poster who will better express the concept of
luxury for the members of the team. The teams will be asked to
give the presentation of their poster as evocative as
possible for the concept in question showing positive and negative
effects.
What luxury means to you?
Objectives: rising awareness on spending habits , communication,
creativity, team work, presentation skills
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The participants will discuss about gambling: what is the leg-
islation in their country regarding gambling and how it is
taxed. What is the common view about gambling and gam-
blers in the countries they represent.
Gambling and betting
Purpose: communication, Euro-
pean citizenship, team spirit.
The participant were invited to play an original game: MONOPOLY on countries. For
each of the 5 participating countries there were selected four cities, the name of the
city and a picture with a representative tourist objectives and the number of points
were laid on a paper sheet then the paper sheets were placed on the floor of the hall–
according to the score of the rolling dices– the participants went from a position to
another and they decided to: rent or buy a certain city. The team who detained the
city decided to do the deal or not. The winning team was the one with the bulk of gains
after three rounds.
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Set your company!
In team randomly selected the participants
have chosen one of the six types of compa-
nies that they had to set up: this first task
was to create a logo of the company and to
establish its mission, Vision and Goals. The
definition of these concepts was explained
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Objectives: creativity,
entrepreneurship, cooper-
ation spirit
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The participants will discuss about responsible purchases, the EU policy
regarding consumer rights will be explained to them using EU commission
materials.
Responsible purchases—Consumer Rights—Fair Advertising
Does the Law say that we are allowed
to return products that are NOT IN
ACCORDANCE with what the labels
promise.
Yes, and it also says that la-
bels must be written in plain
language that
everybody can
understand them.
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Objectives: creativity, digital
competence, acting, EU citizenship
The participants divided in teams of 6-7, were asked to propose
an advertising for a product of their choice, produced by the
company they have established previously—in this add they
should apply the consumer policy principles.
The group will write the scenario, will act and will present the ad-
vertising edited in
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The participants were asked individually to extract an object from the BUSINESS
CHEST - a large closed box, where there will be deposited several items and
toys - finding definitions, and utilizations for each objects will lead the participants
to create the profile of the entrepreneur. Each definition will be retained and
written on a piece of colored paper, for example: for the toy phone the definition
can be good communicator, controlling the situation a.s.o. We will discover abilities,
knowledge and attitudes that an entrepreneur is characterized by.
Portrait of an entrepreneur
Objectives: creativity, understanding
entrepreneurship, communication
skills;
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Grouped “on companies the participants” the participants had to analyze and put on
flipchart pages the specific traits– in terms of education, aptitudes and attitudes for
each type of company.
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Set your company to work !
The participants were given boxes containing different –forms, documents and ob-
jects for each company: Incorporation Deeds, Bank Loans Agreements, Invoices, Re-
ceipts, Employment contracts The participants were asked to evaluate the amounts
needed for them to start the respective business an to present a Balance Sheet
statement for each enterprise. All necessary information was given to the partici-
pants and written on a whiteboard at their disposal. The participants who had eco-
nomic studies helped
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Objectives: creativity, understanding entrepreneurship, mathematical skills
communication skills, presentation skills.
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Corporate Social Responsibility
Corporate Responsibility Concept - Through a facilitated discussion the
participants will be introduced to the concept of Corporate Social Responsibility
(CSR) and will watch together some movies showing the way multinationals
understand to intervene in the life of the communities. Then divided into 4
groups they will propose measures for each of the chapters.
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In this session the participants were introduced to the concept of
volunteering as defined in the European Voluntary Service. The partici-
pants grouped by nationalities and more precisely the organizations
that they created in the firs day, proposed Volunteering projects ac-
cording to the profile of their organizations. They described the pro-
jects in terms of activities , duration, candidates profile. The teams
were further separated into Organizers and Volunteers and those act-
ing as volunteers had to choose one of the other projects and convince
the Organizers that they would be the most appropriate to participate
in the respective projects. The admitted candidates were announced.
A day without money—Volunteering
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A day without money— Move the community
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Intercultural evenings
Romania
Poland
Italy
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Turkey
Croatia
Bulgaria
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Future Entrepreneur—Viitor Antreprenor- is the project through which
DAR DEVELOPMENT ASSOCIATION promotes business and
financial culture—Journey into Finance—is only one of the activities
that we intend to do for this purpose.
www.viitorantreprenor.org
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