{"id":2133,"date":"2017-05-22T17:24:08","date_gmt":"2017-05-22T15:24:08","guid":{"rendered":"https:\/\/financemission.ch\/?page_id=2133"},"modified":"2025-07-14T12:29:38","modified_gmt":"2025-07-14T10:29:38","slug":"savoir","status":"publish","type":"page","link":"https:\/\/financemission.ch\/fr\/savoir\/","title":{"rendered":"Savoir"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:40px;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_77_23308%29%22%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1173%200H0v954h1313l-140-238.5h70l70-119h70L1313%20477l70-119.5h-70l-70-119h-70l70-119.5-70-119zm747%200v954h113V0h-113z%22%20fill%3D%22rgba%28246%2C246%2C246%2C1%29%22%2F%3E%3Cpath%20d%3D%22M1102.98%20835l69.98%20119H1033l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20d%3D%22M1382.91%20834.998l69.98%20119h-139.96l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.24%22%2F%3E%3Cpath%20d%3D%22M1172.96%20954l-69.98-119h139.97l-69.99%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.4%22%2F%3E%3Cpath%20d%3D%22M1032.98%20715.941l-69.98%20119h139.96l-69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.12%22%2F%3E%3Cpath%20d%3D%22M1172.96%20715.5l69.99%20119.5h-139.97l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.55%22%2F%3E%3Cpath%20d%3D%22M1102.98%20834.998l69.98-119.5H1033l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1382.91%20834.998l-69.98-119.5h139.96l-69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1172.96%20596.5l69.99%20119h-139.97l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.75%22%2F%3E%3Cpath%20d%3D%22M1242.95%20715.5l69.98-119h-139.97l69.99%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1242.98%20596.5l69.98-119.5H1173l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.7%22%2F%3E%3Cpath%20d%3D%22M1032.98%20477l69.98%20119.5H963l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.05%22%2F%3E%3Cpath%20d%3D%22M1312.93%20477l69.98%20119.5h-139.96l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.9%22%2F%3E%3Cpath%20d%3D%22M1102.98%20119.002l69.98-119H1033l69.98%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20d%3D%22M1312.93%200l69.98%20119h-139.96l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.7%22%2F%3E%3Cpath%20d%3D%22M1172.96%200l-69.98%20119h139.97L1172.96%200z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1172.98%20238.5l69.98-119.5H1103l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.42%22%2F%3E%3Cpath%20d%3D%22M1032.98%20238.5l69.98-119.5H963l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.24%22%2F%3E%3Cpath%20d%3D%22M1172.96%20357.5l69.99-119h-139.97l69.98%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.15%22%2F%3E%3Cpath%20d%3D%22M1242.95%20238.5l69.98%20119h-139.97l69.99-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.65%22%2F%3E%3Cpath%20d%3D%22M1102.98%20357.5l69.98%20119.5H1033l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.3%22%2F%3E%3Cpath%20d%3D%22M1312.98%20477l69.98-119.5H1243l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1172.96%20477l69.99-119.5h-139.97l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.75%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_77_23308%22%3E%3Cpath%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.3 ;mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top-small:60px;--awb-padding-left-small:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-font-size:19px;--awb-text-transform:none;--awb-text-color:var(--awb-custom_color_14);--awb-margin-bottom:0px;\"><p>Mat\u00e9riel d\u2019accompagnement pour les le\u00e7ons<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:282px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-custom_color_14);border-color:var(--awb-custom_color_14);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:20px;--awb-margin-bottom:40px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:40px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><p>Savoir<\/p>\n<p><\/p><\/h2><\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top:20px;--awb-margin-bottom:40px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:40px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Films sur le sujet de la comp\u00e9tence financi\u00e8re sur RSI<\/h4><\/div><div class=\"fusion-text fusion-text-2 fusion-text-no-margin\" style=\"--awb-margin-right:33%;--awb-margin-bottom:5%;\"><p>Mieux comprendre le monde qui nous entoure : Tel est l\u2019objectif de Radiotelevisione svizzera di lingua italiana (RSI EDU), un espace num\u00e9rique qui pr\u00e9sente des th\u00e8mes d\u2019actualit\u00e9 et des ph\u00e9nom\u00e8nes contemporains \u00e0 l\u2019aide de courtes vid\u00e9os, en classe ou \u00e0 la maison.<\/p>\n<p>En collaboration avec RSI, \u00ab Il franco in tasca \u00bb et FinanceMission ont lanc\u00e9 vid\u00e9os de formation sur les comp\u00e9tences financi\u00e8res. Les vid\u00e9os sont visibles en italien dans la langue originale. Les sous-titres fran\u00e7ais et allemands apparaissent automatiquement ou peuvent \u00eatre activ\u00e9s dans les param\u00e8tres de la vid\u00e9o sur Youtube.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div id=\"Mat\u00e9riel d\u2019accompagnement pour les le\u00e7ons\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:10%;--awb-padding-left:10%;--awb-margin-bottom:40px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-color:rgba(206,230,245,0.3);--awb-bg-color-hover:rgba(206,230,245,0.3);--awb-bg-size:cover;--awb-border-radius:0px 0px 20px 20px;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe title=\"YouTube video player 1\" src=\"https:\/\/www.youtube.com\/embed\/J61RdoxBYpQ?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top:8%;--awb-margin-right:8%;--awb-margin-left:8%;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Sommes-nous pr\u00eats pour un avenir sans argent liquide ?<\/h5><\/div><div class=\"fusion-text fusion-text-3 fusion-text-no-margin\" style=\"--awb-text-transform:none;--awb-margin-right:8%;--awb-margin-bottom:8%;--awb-margin-left:8%;\"><p>L\u2019argent liquide fait toujours partie des m\u00e9thodes de paiement les plus utilis\u00e9es en Suisse. Cependant, la tendance montre que les m\u00e9thodes de paiement alternatives telles que les cartes de d\u00e9bit et le paiement mobile sont de plus en plus appr\u00e9ci\u00e9es et utilis\u00e9es. Comment relever les d\u00e9fis de la num\u00e9risation ? Dans cette vid\u00e9o, nous essayons de clarifier les comp\u00e9tences essentielles pour \u00e9voluer en toute s\u00e9curit\u00e9 et de mani\u00e8re intelligente dans le paysage financier d\u2019aujourd\u2019hui.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-color:rgba(206,230,245,0.3);--awb-bg-color-hover:rgba(206,230,245,0.3);--awb-bg-size:cover;--awb-border-radius:0px 0px 20px 20px;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe title=\"YouTube video player 2\" src=\"https:\/\/www.youtube.com\/embed\/0qHPYruyNFo?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top:8%;--awb-margin-right:8%;--awb-margin-left:8%;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Sais-tu comment on peut faire des \u00e9conomies ?<\/h5><\/div><div class=\"fusion-text fusion-text-4 fusion-text-no-margin\" style=\"--awb-text-transform:none;--awb-margin-right:8%;--awb-margin-bottom:8%;--awb-margin-left:8%;\"><p>Dans cette vid\u00e9o, RSI montre comment on peut r\u00e9aliser ses souhaits et en quoi cela est li\u00e9 \u00e0 l\u2019\u00e9tablissement d\u2019un budget. Sur la base des recettes et des d\u00e9penses, on obtient d\u2019abord un aper\u00e7u de ses propres finances. Et s\u2019il reste de l\u2019argent, on peut le mettre de c\u00f4t\u00e9. Un budget peut ainsi permettre de r\u00e9aliser des souhaits.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-color:rgba(206,230,245,0.3);--awb-bg-color-hover:rgba(206,230,245,0.3);--awb-bg-size:cover;--awb-border-radius:0px 0px 20px 20px;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe title=\"YouTube video player 3\" src=\"https:\/\/www.youtube.com\/embed\/jmtsHWXKU0A?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top:8%;--awb-margin-right:8%;--awb-margin-left:8%;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Savais-tu que la publicit\u00e9 a d\u00e9j\u00e0 r\u00e9ussi \u00e0 t\u2019influencer ?<\/h5><\/div><div class=\"fusion-text fusion-text-5 fusion-text-no-margin\" style=\"--awb-text-transform:none;--awb-margin-right:8%;--awb-margin-bottom:8%;--awb-margin-left:8%;\"><p>La publicit\u00e9 est omnipr\u00e9sente. Nous la voyons sur les panneaux d\u2019affichage lorsque nous marchons dans la rue, nous la recevons dans notre bo\u00eete aux lettres, elle appara\u00eet entre les messages sur nos r\u00e9seaux sociaux pr\u00e9f\u00e9r\u00e9s et lorsque nous surfons en ligne, et elle nous interrompt constamment lorsque nous regardons des vid\u00e9os sur YouTube. Bref, elle est in\u00e9vitable. Mais qu\u2019en est-il ? O\u00f9 se situe le probl\u00e8me ?<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-color:rgba(206,230,245,0.3);--awb-bg-color-hover:rgba(206,230,245,0.3);--awb-bg-size:cover;--awb-border-radius:0px 0px 20px 20px;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe title=\"YouTube video player 4\" src=\"https:\/\/www.youtube.com\/embed\/tH9Hm-LI3E8?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top:8%;--awb-margin-right:8%;--awb-margin-left:8%;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Quelle est la diff\u00e9rence entre une carte de cr\u00e9dit et une carte de d\u00e9bit ?<\/h5><\/div><div class=\"fusion-text fusion-text-6 fusion-text-no-margin\" style=\"--awb-text-transform:none;--awb-margin-right:8%;--awb-margin-bottom:8%;--awb-margin-left:8%;\"><p>L\u2019utilisation des cartes de cr\u00e9dit et de d\u00e9bit n\u2019a cess\u00e9 de cro\u00eetre au cours des derni\u00e8res d\u00e9cennies : rien qu\u2019en Suisse, en 2021, pr\u00e8s de 2 milliards de cartes ont \u00e9t\u00e9 utilis\u00e9es. Il existe aujourd\u2019hui sur le march\u00e9 diff\u00e9rents types de cartes de paiement, qui se ressemblent toutes, mais laquelle choisir ?<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:72px;--awb-padding-bottom:50px;--awb-margin-top:0px;--awb-background-color:var(--awb-custom_color_10);--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_77_23308%29%22%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1173%200H0v954h1313l-140-238.5h70l70-119h70L1313%20477l70-119.5h-70l-70-119h-70l70-119.5-70-119zm747%200v954h113V0h-113z%22%20fill%3D%22rgba%28246%2C246%2C246%2C1%29%22%2F%3E%3Cpath%20d%3D%22M1102.98%20835l69.98%20119H1033l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20d%3D%22M1382.91%20834.998l69.98%20119h-139.96l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.24%22%2F%3E%3Cpath%20d%3D%22M1172.96%20954l-69.98-119h139.97l-69.99%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.4%22%2F%3E%3Cpath%20d%3D%22M1032.98%20715.941l-69.98%20119h139.96l-69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.12%22%2F%3E%3Cpath%20d%3D%22M1172.96%20715.5l69.99%20119.5h-139.97l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.55%22%2F%3E%3Cpath%20d%3D%22M1102.98%20834.998l69.98-119.5H1033l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1382.91%20834.998l-69.98-119.5h139.96l-69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1172.96%20596.5l69.99%20119h-139.97l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.75%22%2F%3E%3Cpath%20d%3D%22M1242.95%20715.5l69.98-119h-139.97l69.99%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1242.98%20596.5l69.98-119.5H1173l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.7%22%2F%3E%3Cpath%20d%3D%22M1032.98%20477l69.98%20119.5H963l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.05%22%2F%3E%3Cpath%20d%3D%22M1312.93%20477l69.98%20119.5h-139.96l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.9%22%2F%3E%3Cpath%20d%3D%22M1102.98%20119.002l69.98-119H1033l69.98%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20d%3D%22M1312.93%200l69.98%20119h-139.96l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.7%22%2F%3E%3Cpath%20d%3D%22M1172.96%200l-69.98%20119h139.97L1172.96%200z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1172.98%20238.5l69.98-119.5H1103l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.42%22%2F%3E%3Cpath%20d%3D%22M1032.98%20238.5l69.98-119.5H963l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.24%22%2F%3E%3Cpath%20d%3D%22M1172.96%20357.5l69.99-119h-139.97l69.98%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.15%22%2F%3E%3Cpath%20d%3D%22M1242.95%20238.5l69.98%20119h-139.97l69.99-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.65%22%2F%3E%3Cpath%20d%3D%22M1102.98%20357.5l69.98%20119.5H1033l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.3%22%2F%3E%3Cpath%20d%3D%22M1312.98%20477l69.98-119.5H1243l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1172.96%20477l69.99-119.5h-139.97l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.75%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_77_23308%22%3E%3Cpath%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.3 ;transform: scale(1, 1);mix-blend-mode:normal;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top-small:60px;--awb-padding-left-small:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-font-size:19px;--awb-text-transform:none;--awb-text-color:var(--awb-custom_color_14);--awb-margin-bottom:0px;\"><p>Contexte<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;max-width:282px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-custom_color_14);border-color:var(--awb-custom_color_14);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top:20px;--awb-margin-bottom:40px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:40px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;\">Faits et \u00e9tudes<\/h4><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-border-radius:0px 0px 20px 20px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"http:\/\/www.oecd.org\/pisa\/publications\/pisa-2018-results-volume-iv-48ebd1ba-en.htm\" target=\"_blank\" aria-label=\"preview-full-PISA\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"508\" height=\"600\" src=\"https:\/\/financemission.ch\/wp-uploads\/2020\/07\/preview-full-PISA.png\" alt class=\"img-responsive wp-image-6341\" srcset=\"https:\/\/financemission.ch\/wp-uploads\/2020\/07\/preview-full-PISA-200x236.png 200w, https:\/\/financemission.ch\/wp-uploads\/2020\/07\/preview-full-PISA-400x472.png 400w, https:\/\/financemission.ch\/wp-uploads\/2020\/07\/preview-full-PISA.png 508w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/a><\/span><\/div><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-five content-title-3\" style=\"--awb-margin-top:8%;--awb-margin-right:8%;--awb-margin-left:8%;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Les parents, source d\u2019information importante<\/h5><\/div><div class=\"fusion-text fusion-text-8 fusion-text-no-margin\" style=\"--awb-margin-right:8%;--awb-margin-bottom:8%;--awb-margin-left:8%;\"><p>Les parents, les tuteurs et les adultes en g\u00e9n\u00e9ral sont la source d\u2019information la plus courante pour les \u00e9tudiant\u00b7es sur les questions d\u2019argent : 94% des \u00e9tudiant\u00b7es ont d\u00e9clar\u00e9 avoir re\u00e7u de telles informations de leurs parents selon l\u2019\u00e9tude Pisa parue en 2018 (la Suisse n\u2019a pas particip\u00e9. <a href=\"http:\/\/http:\/\/www.oecd.org\/fr\/education\/pisa-2018-results-volume-iv-48ebd1ba-en.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Etude compl\u00e8te<\/a><\/p><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-border-radius:0px 0px 20px 20px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-top:10px;--awb-margin-right:10px;--awb-margin-bottom:10px;--awb-margin-left:10px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/www.hslu.ch\/de-ch\/hochschule-luzern\/ueber-uns\/medien\/medienmitteilungen\/2018\/03\/20\/jugendlohn\/\" target=\"_blank\" aria-label=\"gr-f-20.02.04-006-ch\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"1220\" height=\"942\" src=\"https:\/\/financemission.ch\/wp-uploads\/2024\/11\/gr-f-20.02.04-006-ch.png\" alt class=\"img-responsive wp-image-13231\"\/><\/a><\/span><\/div><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-five content-title-3\" style=\"--awb-margin-top:8%;--awb-margin-right:8%;--awb-margin-left:8%;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Pr\u00e8s d\u2019une personne sur cinq vit dans un m\u00e9nage ayant des arri\u00e9r\u00e9s de paiement<\/h5><\/div><div class=\"fusion-text fusion-text-9 fusion-text-no-margin\" style=\"--awb-margin-right:8%;--awb-margin-bottom:8%;--awb-margin-left:8%;\"><p>Das Bundesamt f\u00fcr Statistik hebt in seiner <a href=\"https:\/\/www.bfs.admin.ch\/bfs\/de\/home\/statistiken\/wirtschaftliche-soziale-situation-bevoelkerung.gnpdetail.2024-0732.html\" target=\"_blank\" rel=\"noopener noreferrer\">Medienmitteilung vom 29. Okotber 2024<\/a> hervor, dass 12.1% der Bev\u00f6lkerung in der Schweiz in einem Haushalt mit mindestens einem Zahlungsr\u00fcckstand leben. Am h\u00e4ufigsten ausstehend waren Steuer\u00adrechnungen und Kranken\u00adkassenpr\u00e4mien.<br \/>Die am weitesten verbreiteten Schulden\u00adarten waren jedoch Fahrzeug-Leasings, 14,5% der Bev\u00f6lkerung leben in einem entsprechenden Haushalt, gefolgt von Hypotheken ausser auf den Haupt\u00adwohnsitz mit 12,6%. Die Hauptgr\u00fcnde f\u00fcr eine Kreditaufnahme unterscheiden sich je nach Einkommenssituation.<br \/><a href=\"https:\/\/www.bfs.admin.ch\/bfs\/de\/home\/statistiken\/wirtschaftliche-soziale-situation-bevoelkerung\/einkommen-verbrauch-vermoegen\/verschuldung.html\" target=\"_blank\" rel=\"noopener noreferrer\" data-wplink-edit=\"true\">Hauptergebnisse \u00abVerschuldung\u00bb, Bundesamt f\u00fcr Statistik<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-size:cover;--awb-border-radius:0px 0px 20px 20px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/www.zhaw.ch\/storage\/psychologie\/upload\/forschung\/medienpsychologie\/james\/jamesfocus\/2019\/JAMESfocus_Digitale_Medien_im_Unterricht_de.pdf\" target=\"_blank\" aria-label=\"Bildschirmfoto 2021-02-14 um 18.12.58\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"400\" height=\"378\" src=\"\/wp-uploads\/2021\/05\/bfs-grafik-statistik-2019-FR-400x378.png\" alt class=\"img-responsive wp-image-7269\"\/><\/a><\/span><\/div><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-five content-title-3\" style=\"--awb-margin-top:8%;--awb-margin-right:8%;--awb-margin-left:8%;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">JAMESfocus 2019: Les jeunes et les m\u00e9dias num\u00e9riques en classe<\/h5><\/div><div class=\"fusion-text fusion-text-10 fusion-text-no-margin\" style=\"--awb-margin-right:8%;--awb-margin-bottom:8%;--awb-margin-left:8%;\"><p>La majorit\u00e9 des enseignant\u00b7es suisses consid\u00e8rent la num\u00e9risation comme une chance, comme le montre le rapport actuel de\u00a0<a href=\"https:\/\/www.zhaw.ch\/storage\/psychologie\/upload\/forschung\/medienpsychologie\/james\/jamesfocus\/2019\/JAMESfocus_Les_medias_numerique_a_lecole_fr.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">JAMESfocus<\/a>. Ils et elles consid\u00e8rent la polyvalence des m\u00e9dias num\u00e9riques et la promotion de la comp\u00e9tence m\u00e9diatique comme le plus grand avantage. Ils et elles souhaitent \u00eatre soutenus dans les questions techniques comme dans les questions didactiques.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div id=\"Financial Literacy\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:40px;--awb-padding-bottom:0px;--awb-margin-top:0px;--awb-margin-bottom:40px;--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  url(data:image\/svg+xml;utf8,%3Csvg%20width%3D%221920%22%20height%3D%22954%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url%28%23prefix__clip0_77_23308%29%22%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1173%200H0v954h1313l-140-238.5h70l70-119h70L1313%20477l70-119.5h-70l-70-119h-70l70-119.5-70-119zm747%200v954h113V0h-113z%22%20fill%3D%22rgba%28246%2C246%2C246%2C1%29%22%2F%3E%3Cpath%20d%3D%22M1102.98%20835l69.98%20119H1033l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20d%3D%22M1382.91%20834.998l69.98%20119h-139.96l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.24%22%2F%3E%3Cpath%20d%3D%22M1172.96%20954l-69.98-119h139.97l-69.99%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.4%22%2F%3E%3Cpath%20d%3D%22M1032.98%20715.941l-69.98%20119h139.96l-69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.12%22%2F%3E%3Cpath%20d%3D%22M1172.96%20715.5l69.99%20119.5h-139.97l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.55%22%2F%3E%3Cpath%20d%3D%22M1102.98%20834.998l69.98-119.5H1033l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1382.91%20834.998l-69.98-119.5h139.96l-69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1172.96%20596.5l69.99%20119h-139.97l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.75%22%2F%3E%3Cpath%20d%3D%22M1242.95%20715.5l69.98-119h-139.97l69.99%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1242.98%20596.5l69.98-119.5H1173l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.7%22%2F%3E%3Cpath%20d%3D%22M1032.98%20477l69.98%20119.5H963l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.05%22%2F%3E%3Cpath%20d%3D%22M1312.93%20477l69.98%20119.5h-139.96l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.9%22%2F%3E%3Cpath%20d%3D%22M1102.98%20119.002l69.98-119H1033l69.98%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.1%22%2F%3E%3Cpath%20d%3D%22M1312.93%200l69.98%20119h-139.96l69.98-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.7%22%2F%3E%3Cpath%20d%3D%22M1172.96%200l-69.98%20119h139.97L1172.96%200z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.25%22%2F%3E%3Cpath%20d%3D%22M1172.98%20238.5l69.98-119.5H1103l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.42%22%2F%3E%3Cpath%20d%3D%22M1032.98%20238.5l69.98-119.5H963l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.24%22%2F%3E%3Cpath%20d%3D%22M1172.96%20357.5l69.99-119h-139.97l69.98%20119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.15%22%2F%3E%3Cpath%20d%3D%22M1242.95%20238.5l69.98%20119h-139.97l69.99-119z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.65%22%2F%3E%3Cpath%20d%3D%22M1102.98%20357.5l69.98%20119.5H1033l69.98-119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.3%22%2F%3E%3Cpath%20d%3D%22M1312.98%20477l69.98-119.5H1243l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.85%22%2F%3E%3Cpath%20d%3D%22M1172.96%20477l69.99-119.5h-139.97l69.98%20119.5z%22%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20fill-opacity%3D%22.75%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22prefix__clip0_77_23308%22%3E%3Cpath%20fill%3D%22rgba%28235%2C234%2C234%2C1%29%22%20d%3D%22M0%200h1920v954H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E);opacity: 0.3 ;\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top-small:60px;--awb-padding-left-small:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-11 fusion-text-no-margin\" style=\"--awb-font-size:19px;--awb-text-transform:none;--awb-text-color:var(--awb-custom_color_14);--awb-margin-bottom:0px;\"><p>Informations de fond<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:282px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-custom_color_14);border-color:var(--awb-custom_color_14);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top:20px;--awb-margin-bottom:40px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:40px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Les comp\u00e9tences financi\u00e8res des jeunes<\/h4><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\" style=\"border:1px solid var(--awb-color8);border-radius:5px;\"><img decoding=\"async\" width=\"200\" height=\"533\" title=\"Studie zum Lehrlingslohn\" src=\"https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Studie-zum-Lehrlingslohn.jpg\" alt class=\"img-responsive wp-image-12078\" srcset=\"https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Studie-zum-Lehrlingslohn-113x300.jpg 113w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Studie-zum-Lehrlingslohn.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-text fusion-title-size-five content-title-3\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Une \u00e9tude sur le salaire des apprentis r\u00e9v\u00e8le le rapport \u00e0 l&rsquo;argent et les comp\u00e9tences financi\u00e8res des jeunes<\/h5><\/div><div class=\"fusion-text fusion-text-12\"><p>L\u2019\u00e9tude sur le salaire des apprenti\u00b7es mandat\u00e9e par l\u2019Union des Banques cantonales suisses analyse le comportement et les connaissance en mati\u00e8re financi\u00e8re chez les apprenti\u00b7es en Suisse. Elle montre que la grande majorit\u00e9 des jeunes en apprentissage g\u00e8re son argent avec prudence et circonspection et qu\u2019elle dispose de bonnes connaissances financi\u00e8res. Un bilan positif qui remet en question le clich\u00e9 des jeunes consum\u00e9ristes faisant surtout du shopping en ligne.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/financemission.ch\/wp-uploads\/2024\/04\/Studie_VSKB_Prognos_Lehrlingslohn_DE_2018-09-03.pdf\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">\u00c9tude compl\u00e8te (DE)<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><br><\/br><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe title=\"YouTube video player 5\" src=\"https:\/\/www.youtube.com\/embed\/QunbVMbq9Tg?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-padding-bottom:50px;--awb-background-color:var(--awb-custom_color_14);--awb-flex-wrap:wrap;\" ><div class=\"awb-background-mask\" style=\"background-image:  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0.1 ;transform: scale(1, -1);\"><\/div><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1372.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top-small:60px;--awb-padding-left-small:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-13 fusion-text-no-margin\" style=\"--awb-font-size:19px;--awb-text-transform:none;--awb-text-color:var(--awb-custom_color_10);--awb-margin-bottom:0px;\"><p>R\u00e9seau Comp\u00e9tences financi\u00e8res<\/p>\n<\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:282px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-custom_color_10);border-color:var(--awb-custom_color_10);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color3);--awb-margin-top:20px;--awb-margin-bottom:40px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:40px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">En savoir plus sur les comp\u00e9tences financi\u00e8res<br \/>(en allemand)<\/h3><\/div><div class=\"fusion-text fusion-text-14\" style=\"--awb-text-color:var(--awb-color3);\"><p>L&rsquo;association FinanceMission est membre du <a href=\"https:\/\/finanzkompetenz.ch\/fr\" target=\"_blank\" rel=\"noopener\">R\u00e9seau de comp\u00e9tences financi\u00e8res<\/a>. Le r\u00e9seau Comp\u00e9tences financi\u00e8res est un r\u00e9seau d&rsquo;acteurs issus des domaines de l&rsquo;\u00e9ducation, de la pr\u00e9vention et du conseil. L&rsquo;objectif commun est de d\u00e9velopper les comp\u00e9tences financi\u00e8res au sein de la population.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:8%;--awb-padding-right:8%;--awb-padding-bottom:2%;--awb-padding-left:8%;--awb-overflow:hidden;--awb-bg-color:rgba(255,255,255,0.8);--awb-bg-color-hover:rgba(255,255,255,0.8);--awb-bg-size:cover;--awb-border-radius:20px 20px 20px 20px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-top:15px;--awb-margin-right:15px;--awb-margin-bottom:15px;--awb-margin-left:15px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-5 hover-type-none\"><img decoding=\"async\" width=\"657\" height=\"214\" title=\"logo\" src=\"https:\/\/financemission.ch\/wp-uploads\/2021\/11\/logo.png\" alt class=\"img-responsive wp-image-8331\" srcset=\"https:\/\/financemission.ch\/wp-uploads\/2021\/11\/logo-200x65.png 200w, https:\/\/financemission.ch\/wp-uploads\/2021\/11\/logo-400x130.png 400w, https:\/\/financemission.ch\/wp-uploads\/2021\/11\/logo-600x195.png 600w, https:\/\/financemission.ch\/wp-uploads\/2021\/11\/logo.png 657w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 657px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Elternratgeber f\u00fcr Geldfragen<\/h5><\/div><div class=\"fusion-text fusion-text-15\"><p>Die Plattform\u00a0jugendbudget.ch thematisiert Fragestellungen rund um das Thema Kinder und Geld. Sie bietet Eltern Ideen, Anregungen und Hilfestellungen, wie sie Geldthemen mit ihren Kindern besprechen k\u00f6nnen.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/www.jugendbudget.ch\/de\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">jugendbudget.ch<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;width:100%;max-width:200px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color7);border-color:var(--awb-color7);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-top:5px;--awb-margin-right:0px;--awb-margin-bottom:15px;--awb-margin-left:0px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-6 hover-type-none\" style=\"border-radius:10px;\"><img decoding=\"async\" width=\"970\" height=\"547\" title=\"csm_moneyhaxx_b365da23c3\" src=\"https:\/\/financemission.ch\/wp-uploads\/2024\/08\/csm_moneyhaxx_b365da23c3.jpg\" alt class=\"img-responsive wp-image-12069\" srcset=\"https:\/\/financemission.ch\/wp-uploads\/2024\/08\/csm_moneyhaxx_b365da23c3-200x113.jpg 200w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/csm_moneyhaxx_b365da23c3-400x226.jpg 400w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/csm_moneyhaxx_b365da23c3-600x338.jpg 600w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/csm_moneyhaxx_b365da23c3-800x451.jpg 800w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/csm_moneyhaxx_b365da23c3.jpg 970w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 970px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Jugendratgeber f\u00fcr Geldfragen<\/h5><\/div><div class=\"fusion-text fusion-text-16\"><p>MoneyHaxx bietet Tipps und Hacks f\u00fcr alle, die keine Geldsorgen haben wollen. Der Verein MoneyHaxx hat es sich deshalb zum Ziel gesetzt, das Finanzwissen junger Erwachsener st\u00e4rker zu f\u00f6rdern. Die Seite richtet sich an ein junges Publikum ab 18 Jahren. Die Website von MoneyHaxx wurde im April 2024 ausgerollt. Das Angebot startet mit sechs Hacks und wird in Zukunft um weitere Beitr\u00e4ge erg\u00e4nzt.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/www.moneyhaxx.ch\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">moneyhaxx<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;width:100%;max-width:200px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color7);border-color:var(--awb-color7);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-top:15px;--awb-margin-right:15px;--awb-margin-bottom:15px;--awb-margin-left:15px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-7 hover-type-none\"><img decoding=\"async\" width=\"433\" height=\"156\" title=\"Logo_iconomix\" src=\"https:\/\/financemission.ch\/wp-uploads\/2021\/02\/Logo_iconomix.png\" alt class=\"img-responsive wp-image-7259\" srcset=\"https:\/\/financemission.ch\/wp-uploads\/2021\/02\/Logo_iconomix-200x72.png 200w, https:\/\/financemission.ch\/wp-uploads\/2021\/02\/Logo_iconomix-400x144.png 400w, https:\/\/financemission.ch\/wp-uploads\/2021\/02\/Logo_iconomix.png 433w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 433px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-16 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Webbasiertes Lehrangebot zu Financial Literacy<\/h5><\/div><div class=\"fusion-text fusion-text-17\"><p>Die Webplattform iconomix bietet ein kostenloses \u00d6konomielehrangebot, bestehend aus \u00fcber 40 thematischen Lehrmitteln mit gestuften Verst\u00e4ndnis- und Vertiefungsfragen und Musterl\u00f6sungen. Zu jedem Lehrmittel gibt es weiterf\u00fchrende Hinweise auf Websites, Videos, Grafiken, Artikel und B\u00fccher. Das Angebot richtet sich an Lehrpersonen der Sekundarstufe II (Mittel- und Berufsfachschulen).<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-4 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/www.iconomix.ch\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">iconomix<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:8%;--awb-padding-right:8%;--awb-padding-bottom:2%;--awb-padding-left:8%;--awb-overflow:hidden;--awb-bg-color:rgba(255,255,255,0.8);--awb-bg-color-hover:rgba(255,255,255,0.8);--awb-bg-size:cover;--awb-border-radius:20px 20px 20px 20px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-bottom:15px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-8 hover-type-none\" style=\"border-radius:10px;\"><img decoding=\"async\" width=\"490\" height=\"326\" title=\"jugendlohn\" src=\"https:\/\/financemission.ch\/wp-uploads\/2018\/04\/jugendlohn.png\" alt class=\"img-responsive wp-image-4420\" srcset=\"https:\/\/financemission.ch\/wp-uploads\/2018\/04\/jugendlohn-200x133.png 200w, https:\/\/financemission.ch\/wp-uploads\/2018\/04\/jugendlohn-400x266.png 400w, https:\/\/financemission.ch\/wp-uploads\/2018\/04\/jugendlohn.png 490w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 490px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-17 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Zugang, Umsetzung und Nutzen des Jugendlohns<\/h5><\/div><div class=\"fusion-text fusion-text-18\"><p>Fachleute empfehlen Eltern, ihren Kindern einen monatlichen Lohn auszuzahlen und mehr finanzielle Verantwortung zu \u00fcbertragen. Im Auftrag des\u00a0<a class=\"colored-links\" href=\"http:\/\/www.jugendlohn.ch\/\" target=\"_blank\" rel=\"noopener noreferrer\">Vereins Jugendlohn<\/a>\u00a0untersuchte die Hochschule Luzern \u2013 Soziale Arbeit zusammen mit der Hochschule f\u00fcr Angewandte Psychologie FHNW den Jugendlohn im Hinblick auf den Zugang, die Umsetzung und den Nutzen f\u00fcr Jugendliche und Familien. Die Studie zieht ein positives Fazit: Die meisten Eltern machen die Erfahrung, dass ihre Kinder dank des Jugendlohns lernen, besser mit Geld umzugehen.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-5 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/www.hslu.ch\/de-ch\/hochschule-luzern\/ueber-uns\/medien\/medienmitteilungen\/2018\/03\/20\/jugendlohn\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Zur Studie<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;width:100%;max-width:200px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color7);border-color:var(--awb-color7);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-4 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-bottom:15px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-9 hover-type-none\" style=\"border-radius:10px;\"><img decoding=\"async\" width=\"609\" height=\"855\" title=\"Tresor Beitrag 3_2016_heute kaufen morgen zahlen-1\" src=\"https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Tresor-Beitrag-3_2016_heute-kaufen-morgen-zahlen-1.png\" alt class=\"img-responsive wp-image-12056\" srcset=\"https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Tresor-Beitrag-3_2016_heute-kaufen-morgen-zahlen-1-200x281.png 200w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Tresor-Beitrag-3_2016_heute-kaufen-morgen-zahlen-1-400x562.png 400w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Tresor-Beitrag-3_2016_heute-kaufen-morgen-zahlen-1-600x842.png 600w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Tresor-Beitrag-3_2016_heute-kaufen-morgen-zahlen-1.png 609w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 609px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-18 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Heute kaufen, morgen zahlen \u2013 Jugendliche und das liebe Geld<\/h5><\/div><div class=\"fusion-text fusion-text-19\"><p>\u00ab\u00dcberschuldung resultiert einerseits daraus, dass viele Konsumenten ungen\u00fcgendes Wissen \u00fcber Kreditprodukte haben. Der (\u2026) Konsumentenschutz sowie die finanzielle Grundbildung helfen dabei. Andererseits ist es so, dass einige Konsumenten den heutigen Konsum zulasten der Zukunft bewusst \u00fcberspannen. (\u2026) Es ist deshalb wichtig, dass innovative Projekte der finanziellen Bildung gef\u00f6rdert werden, die f\u00fcr alle Jugendlichen zug\u00e4nglich und interessant sind.\u00bb \u00b7 Interview mit Prof. Dr. Martin Brown (Tresor 3\/2016)<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-6 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/financemission.ch\/wp-uploads\/2016\/10\/Tresor-Beitrag-3_2016_heute-kaufen-morgen-zahlen.pdf\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Zum Interview<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;width:100%;max-width:200px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color7);border-color:var(--awb-color7);border-top-width:1px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:8%;--awb-padding-right:8%;--awb-padding-bottom:2%;--awb-padding-left:8%;--awb-overflow:hidden;--awb-bg-color:rgba(255,255,255,0.8);--awb-bg-color-hover:rgba(255,255,255,0.8);--awb-bg-size:cover;--awb-border-radius:20px 20px 20px 20px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-5 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;--awb-margin-top:20px;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe title=\"YouTube video player 6\" src=\"https:\/\/www.youtube.com\/embed\/0pvJEYChZ9Q?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture;\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-19 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Financial Literacy: Was wissen wir \u00fcber Geld?<\/h5><\/div><div class=\"fusion-text fusion-text-20\"><p>Wie steht es um unser Finanzverst\u00e4ndnis? Und was heisst es, vern\u00fcnftig mit Geld umzugehen? Prof. Dr. Martin Brown, Bankenexperte der Universit\u00e4t St.Gallen, forscht zum Thema Financial Literacy. Zu seiner Forschung ist ein Film der Animationsvideoserie \u00abLittle Green Bags\u00bb entstanden.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-7 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/youtu.be\/0pvJEYChZ9Q\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Zum Video<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;width:100%;max-width:200px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color7);border-color:var(--awb-color7);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-6 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-20 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Culture and Financial Literacy<\/h5><\/div><div class=\"fusion-text fusion-text-21\"><p>Die Studie der Universit\u00e4ten St. Gallen und Freiburg zeigt deutliche Unterschiede im Finanzwissen von Jugendlichen aufgrund ihrer kulturellen Herkunft auf. Dieses Ergebnis deutet darauf hin, dass der kulturelle Hintergrund einen beachtlichen Einfluss auf die Aneignung von Finanzwissen haben kann. Bei der Planung und Umsetzung von \u00abFinancial Literacy\u00bb-Programmen sollten diese Unterschiede ber\u00fccksichtigt werden.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-8 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"http:\/\/www.oekonomenstimme.org\/artikel\/2017\/08\/kultur-und-das-finanzwissen-deutliche-unterschiede-an-der-schweizer-sprachgrenze\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Zum Artikel<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;width:100%;max-width:200px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color7);border-color:var(--awb-color7);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-7 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-21 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Der Nutzen von Lerngames<\/h5><\/div><div class=\"fusion-text fusion-text-22\"><p>Die Studie der Universit\u00e4ten St. Gallen und Freiburg zeigt deutliche Unterschiede im Finanzwissen von Jugendlichen aufgrund ihrer kulturellen Herkunft auf. Dieses Ergebnis deutet darauf hin, dass der kulturelle Hintergrund einen beachtlichen Einfluss auf die Aneignung von Finanzwissen haben kann. Bei der Planung und Umsetzung von \u00abFinancial Literacy\u00bb-Programmen sollten diese Unterschiede ber\u00fccksichtigt werden.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-9 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/www.researchgate.net\/publication\/321137033_Instructional_Integration_of_Digital_Learning_Games_in_Financial_Literacy_Education\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Zum Artikel<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:40px;margin-bottom:40px;width:100%;max-width:200px;\"><div class=\"fusion-separator-border sep-single sep-dotted\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color7);border-color:var(--awb-color7);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-8 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-margin-bottom:15px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-10 hover-type-none\" style=\"border-radius:10px;\"><img decoding=\"async\" width=\"1024\" height=\"341\" title=\"Fachgespra\u0308ch\" src=\"https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Fachgespraech.jpg\" alt class=\"img-responsive wp-image-12065\" srcset=\"https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Fachgespraech-200x67.jpg 200w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Fachgespraech-400x133.jpg 400w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Fachgespraech-600x200.jpg 600w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Fachgespraech-800x266.jpg 800w, https:\/\/financemission.ch\/wp-uploads\/2024\/08\/Fachgespraech.jpg 1024w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 1024px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-22 fusion-sep-none fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">Lernen im Zeitalter der Digitalisierung<\/h5><\/div><div class=\"fusion-text fusion-text-23\"><p>Eine Studie im Auftrag des Verbands Schweizerischer Kantonalbanken hat das Verh\u00e4ltnis von Jugendlichen und ihrem Lehrlingslohn untersucht. Sie zeigt: Jugendliche gehen sehr verantwortungsbewusst mit Ihren Finanzen um. Sie handeln nicht nur mehrheitlich vern\u00fcnftig, sondern verf\u00fcgen auch \u00fcber altersgerechte Finanzkompetenz. Eine durchaus positive Bilanz, die das Klischee von konsumw\u00fctigen jugendlichen Internet-Shoppern in Frage stellt.\u00a0Eine Zusammenfassung der Studie f\u00fcr Jugendliche ist im Primus Oberstufe Magazin erschienen.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-10 fusion-button-default-span fusion-button-default-type awb-b-icon-pos-right\" target=\"_blank\" rel=\"noopener noreferrer\" data-hover=\"icon_position\" href=\"https:\/\/financemission.ch\/wp-uploads\/2019\/07\/Primus-Oberstufe-2019_Lehrlingslohn.pdf\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Zur Studie<\/span><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><i class=\"fa-external-link-alt fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-2133","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/financemission.ch\/fr\/wp-json\/wp\/v2\/pages\/2133","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financemission.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financemission.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financemission.ch\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/financemission.ch\/fr\/wp-json\/wp\/v2\/comments?post=2133"}],"version-history":[{"count":152,"href":"https:\/\/financemission.ch\/fr\/wp-json\/wp\/v2\/pages\/2133\/revisions"}],"predecessor-version":[{"id":14343,"href":"https:\/\/financemission.ch\/fr\/wp-json\/wp\/v2\/pages\/2133\/revisions\/14343"}],"wp:attachment":[{"href":"https:\/\/financemission.ch\/fr\/wp-json\/wp\/v2\/media?parent=2133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}