Published on 24-03-2017 by admin

Zaldo, Economic Guru, Keepitrolling

Helsinki, Finland

Financial Education videos in the Finnish EMW  #Tubetatonni contest

The winner of the competition


Other videos from competes




#Tubetatonni Rapsong – Mo’ Money by Chebaleba


Financial Education in the Federation of Finnish Financial Services

The Federation of Finnish Financial Services seek to influence the educational reform to ensure the continuity of financial literacy. We have a long tradition of co-operating with numerous organisations and associations in Finland.
Our aim is to have an adequate amount of economics and personal financial management studies included in Finnish education. Personal finances should be included in the curriculums of comprehensive, vocational, and upper secondary schools.
We seek to increase financial literacy and raise awareness of its importance. Below is a short summary of our activities:
  • Influencing curriculums and study materials through the Ministry of Education and Culture. The idea is that schools would provide young people with basic skills in the management of their personal finances.
  • FFI has made an initiative to draft a national strategy for the improvement of financial literacy in Finland. The strategy work has started 2016 and it is carried out together with the Advisory Council on Financial Management.
  • Study materials and competition: the Zaldo campaign is targeted to 9th grade students. Nearly 200 classes all over Finland have participated in the competition. The aim is to utilise games in teaching the management of personal finances.
  • The annual Talousguru (“Economic Guru”) competition is targeted to pupils between the ages 16 to 19. It has been held for 20 consecutive years, and the anniversary year 2017 will have nearly 130 high schools and over 2,000 pupils taking part in the competition. The regular competition will also be complemented by a YouTube vlog contest (#tubetatonni). The idea is for young vloggers to discuss personal finances with everyday tips and perspectives under the theme “Me and my money”. Information on both competitions is available at Both competitions will also share an award ceremony, which is attended by leading Finnish media.Talousguru is organised by the Federation of Finnish Financial Services (FFI), the Association for Teachers of History and Social Studies (HYOL), and the Finnish Financial Ombudsman Bureau (FINE). The 2017 campaign is also part of Finland’s centenary year of independence celebrations.
  • School teachers will be offered three full-day training sessions on current economic topics in 2017. The training days are high-profile events organised together with our co-operation partners.
  • The FFI is also a co-operating partner of Junior Achievement Finland. JA provides extensive training in financial and entrepreneurial matters in Finland. Together, the FFI and JA seek to increase financial literacy and entrepreneurship training in Finland.
  • The Finnish Financial Ombudsman Bureau FINE advises customers in problems related to insurance, banking and securities. The FFI is engaged in continuing close co-operation with FINE.
  • The website aims to present the industry in a comprehensible and easily approachable manner, with stories from employees, financial sector and information on education.

European Money Week in Finland: is a web-based environment where users can tame their own financial monster


The winner of the Zaldo competition will be awarded by the FFI during Money Week. The competition has been open to 9th grade students since the beginning of the school year in autumn. During Money Week, the 10 best performed classes will be announced. All participants also have the chance to win a €500 gift card.
The Zaldo campaign (, cheered by its namesake monster mascot, is a modern web-based learning environment. Its interactive contents make for a comprehensive and inspiring learning experience that teaches 9th grade students the management of their personal finances. The learning environment is designed to be used as part of their normal economics classes.

The website consists of four independent sections, each covering matters that are essential for the management of personal finances:


  • Income and expenses,
  • Purchases and payments,
  • Saving and investing
  • Insurance and risk management

Financial sector promotes financial literacy during European Money Week

​The Finnish financial sector wants to ensure that every Finn ‒ especially the younger generation ‒ is equipped with the skills to manage their personal finances and is aware of the dangers of over-indebtedness. During European Money Week, the Federation of Finnish Financial Services (FFI) and its member organisations and cooperation partners hold various events and turn the spotlight to the many consumer- and SME-oriented financial literacy projects they are engaged in throughout the year.
In Finland the financil sector combine their efforts to raise public awareness of financial literacy and personal financial skills during the European Money Week . The week’s various projects and events will be found on Twitter under the hashtag #EMW2017.

Financial education part of curriculum? yes
PISA financial literacy ranking (OECD, 2012): did not take part