Our Curriculum

Financial

Planning

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The Financial Economic System

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Digital Financial

Literacy

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Rights and Responsibilities of Financial Service Users

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Financial Awareness

To Threats

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Taxes and income

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Career Paths

and Finances

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Debt and Debt Management

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Planning for
Retirement

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10.

Investment

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Curriculum 1

1. Financial Planning

Financial planning is a tool that helps prepare and lead life toward financial stability. It should start with instilling the habit of saving and spending money reasonably from a young age to cultivate financial discipline early on.

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1.Financial Planning

2. Digital Financial Literacy

Nowadays, technology plays an increasingly important role in the financial system to support the transition to a cashless society. This makes financial transactions and daily spending much more convenient, comfortable, fast, and easy. Understanding spending in the digital age will enable us to choose financial services appropriately, safely, and to their fullest benefit.

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2.Digital Financial Literacy

3. Financial Awareness To Threats

Financial threats or scams that criminals use to deceive victims and steal money have been modernized in line with technological advancements, causing widespread damage to the public and increasing the value of losses. Therefore, financial service users must be cautious and aware of these scams to avoid falling victim to criminal gangs.

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3.Financial Awareness To Threats

4.Career Paths and Finances

4. Career Paths and Finances

The Importance of Knowing Yourself
Exploring oneself early on, starting with one’s dreams, helps us understand ourselves better. Moreover, it is undeniable that every dream we want to pursue involves money to drive that dream to success. The sooner we understand ourselves, the sooner we can plan our finances to support those dreams.

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5. The Financial Economic System

Learning about personal financial planning requires us to understand the surrounding context of the country's economic and financial system. Although it might seem distant, it actually has the greatest impact on our personal finances

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5. The Financial Economic System

6. The Rights and Responsibilities

of Financial Service Users

The Importance of Knowing the Rights and Duties of Financial Service Users

Rapid technological advancements have led financial service providers to develop a variety of service models to meet customer needs. As financial service users, we should be aware of the complexities and risks that come with using these financial services.

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6. The rights

7. Taxes and income

Understanding Taxes

The government is responsible for facilitating and providing welfare to the citizens of the country by offering public services such as roads, public transportation, water systems, and electricity, collectively known as basic infrastructure. These services require high investment costs, and the private sector is often reluctant to invest because it may not be financially viable. Therefore, the government must find funds to invest on its own by collecting from those who directly benefit, which are the citizens. Taxes are thus similar to communal fees that citizens must pay. In other words, paying taxes is a duty of all citizens in the country to receive these public services from the government. The amount of tax each person pays depends on their income, spending, and assets. Taxes are divided into two types:

Direct Taxes: These are taxes collected from the income and assets of individuals or entities. They generally cannot be transferred to others. Examples include inheritance tax, local maintenance tax, and personal/corporate income tax.
Indirect Taxes: These are taxes collected from consumers when goods and services are sold. The tax burden can be fully or partially passed on to the buyer or consumer, who then pays the tax on behalf of the seller. Examples include value-added tax (VAT) and excise tax.

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7. Tax

8. Debt and Debt Management

1. An unexpected event occurred

Medical fee and need money urgently
Unemployed

2. Financial Disaster

Deceived into investing
invited/tricked into gambling

3. Lack of Financial Knowledge

Using the wrong type of credit
Not being able to assess the ability to repay

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8. Debt

9. Planning For Retirement

The Importance of Retirement Planning
To live a happy life after retirement, you need to have enough money to cover necessary expenses and enjoy some small pleasures without being a burden on your children.

Unfortunately, many people still mistakenly believe that preparing for retirement is only for older individuals close to retirement. In reality, a comfortable retirement requires long-term planning from the very beginning of your career. Planning close to retirement is not only more challenging and stressful than preparing early on, but it may also be too late.

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9.Planning Retire

10. Invest

10. Investment

Differences Between Saving and Investing

Saving involves putting aside small amounts of money over time to accumulate more as time passes. Savings are typically held in bank accounts, earning interest as returns. In contrast.
Investing involves using accumulated money to generate returns higher than those from savings. Generally, investments come with higher risk compared to saving.

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