I. Main objective - Promote the social inclusion of young people in a situation of social exclusion due to risk behaviours through an innovative program. II. Specific objectives SO1. Promote the financial literacy of young people in a context of exclusion (institutionalization, inequality, fewer opportunities, etc.); SO2. Work on financial literacy as a tool for personal, social and professional development; SO3. Reduce the risks of social exclusion due to issues inherent to low levels of financial literacy; SO4. Contribute to the solidification of a more economically aware generation; SO5. Empower youth workers to work with young people on these issues.
When observing the behaviours of the European population, we find a gap in the perception of financial concepts, demonstrating that they are poorly qualified, leading to poor financial decisions. This low level of financial literacy, including in the young community and with greater emphasis when they come from environments with more significant vulnerabilities, can lead to risky behaviours - "Financial illiteracy is more common among low-income individuals because they typically do not have wide access to accurate financial information. With such illiteracy, youth in low-income households can fall victim later as adults to scams, high-interest rate loans, and increasing debt." (Youth.Gov). The lack of essential skills, primarily financial and entrepreneurial skills, is a pressing social problem in the youth community and translates into deviant pathways (e.g., economic-based crimes). In this sense, we proposed a training program for the financial literacy of young people, using inclusive methods so that they have access to information, knowledge and financial management tools.