{"id":11014,"date":"2024-01-17T18:06:44","date_gmt":"2024-01-17T17:06:44","guid":{"rendered":"https:\/\/agora.xtec.cat\/escolanouclave\/?p=11014"},"modified":"2024-01-17T18:08:36","modified_gmt":"2024-01-17T17:08:36","slug":"4t-deso-educacio-financera-efec","status":"publish","type":"post","link":"https:\/\/agora.xtec.cat\/escolanouclave\/general\/secundaria\/4t-deso-educacio-financera-efec\/","title":{"rendered":"4t d’ESO: Educaci\u00f3 financera (EFEC)"},"content":{"rendered":"

Un any m\u00e9s, l\u2019alumnat de 4t d\u2019ESO de la nostra escola participa en el programa d\u2019EFEC (Educaci\u00f3 Financera a les Escoles de Catalunya).<\/p>\n

Aquest programa va sorgir al 2012 amb l\u2019objectiu d\u2019oferir a les escoles de Catalunya la possibilitat d\u2019impartir educaci\u00f3 financera b\u00e0sica als alumnes de 4t d\u2019ESO (\u00faltim curs d\u2019Educaci\u00f3 Secund\u00e0ria Obligat\u00f2ria).
\nEFEC \u00e9s conseq\u00fc\u00e8ncia del projecte EFEP de la Comissi\u00f3 Europea, que es basava en una millor pr\u00e0ctica detectada a Esc\u00f2cia on professionals del sector financer impartien tallers a alumnes adolescents.
\nA EFEC els tallers s\u00f3n impartits per treballadors voluntaris vinculats a entitats financeres (professionals en exercici o jubilats), professionals vinculats a associacions del sector econ\u00f2mic financer i treballadors de l\u2019Ag\u00e8ncia Tribut\u00e0ria de Catalunya; aix\u00ed com per professors de secund\u00e0ria. Els centres escolars que participen del programa s\u2019hi apunten de manera volunt\u00e0ria per tal que el seu alumnat rebi compet\u00e8ncies en finances personals.<\/p>\n

Aquest programa d\u2019alfabetitzaci\u00f3 i educaci\u00f3 financera s\u2019emmarca en les recomanacions d\u2019organismes internacionals tant rellevants com l\u2019Organitzaci\u00f3 per a la Cooperaci\u00f3 i el Desenvolupament Econ\u00f2mic (OCDE) i la Uni\u00f3 Europea (UE), i est\u00e0 supervisat pel Departament d\u2019Ensenyament de la Generalitat de Catalunya. Ambdues organitzacions han fet \u00e8mfasi en la necessitat de dotar a la ciutadania de compet\u00e8ncies per tal de gestionar els seus ingressos i despeses, que ajudin a evitar episodis de sobreendeutament i d\u2019exclusi\u00f3 financera.<\/p>\n

Els continguts d\u2019EFEC s\u2019han estructurat en sis tallers:<\/p>\n

-Administrant els teus diners: gesti\u00f3 del pressupost personal i el fons d\u2019emerg\u00e8ncia.
\n-Endeutar-se? amb seny!: consum responsable i com evitar el sobreendeutament.
\n-Inversi\u00f3 intel\u00b7ligent: entendre el binomi risc \/ rendibilitat.
\n-Finances Socialment Responsables.Els impostos i tu: per a qu\u00e8 serveixen els impostos i les conseq\u00fc\u00e8ncies del frau.
\n-Finances per a la vida: objectius vitals i objectius financers.
\n-(In)forma\u2019t per decidir: el dret b\u00e0sic dels consumidors \u00e9s el dret a la informaci\u00f3.<\/p>\n

\"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

Un any m\u00e9s, l\u2019alumnat de 4t d\u2019ESO de la nostra escola participa en el programa d\u2019EFEC (Educaci\u00f3 Financera a les Escoles de Catalunya). Aquest programa va sorgir al 2012 amb l\u2019objectiu d\u2019oferir a les escoles de Catalunya la possibilitat d\u2019impartir educaci\u00f3 financera b\u00e0sica als alumnes de 4t d\u2019ESO (\u00faltim curs d\u2019Educaci\u00f3 Secund\u00e0ria Obligat\u00f2ria). EFEC \u00e9s […]<\/p>\n","protected":false},"author":27,"featured_media":11015,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[81,75],"tags":[],"class_list":["post-11014","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4t-eso","category-secundaria"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/posts\/11014","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/comments?post=11014"}],"version-history":[{"count":2,"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/posts\/11014\/revisions"}],"predecessor-version":[{"id":11017,"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/posts\/11014\/revisions\/11017"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/media\/11015"}],"wp:attachment":[{"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/media?parent=11014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/categories?post=11014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agora.xtec.cat\/escolanouclave\/wp-json\/wp\/v2\/tags?post=11014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}