Who we are
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a and b make 3 ) was set up in November 2005 in Hong Kong to create financial education programmes for children and adults. In three years, our programmes have reached more than 3,000 people, children and adults, in Hong Kong, Cambodia, the Philippines, China and the USA either directly or through partnerships with other organisations. We deliver programmes internationally in different languages.
is a social enterprise: we are deeply committed to supporting low income people who make up 83% of our training participants. Financial literacy programmes can have a significant impact in supporting people to get out of poverty and improving their lives. Earning money is one thing, but knowing how to manage it, avoiding bad debts and planning ahead are life skills which can help alleviate poverty.
The organisations we partner with teach either our standard
packages or we design financial education programmes for them. We adapt our most efficient methods to meet your local needs. If you are a Non Profit organisation, Social Enterprise, an education or training institute, or a Corporate Social Responsibility Manager, and would like to set up a tailor made programme addressing the financial education gaps of your community or country, please contact us. We would be happy to help you identify the financial literacy gaps of your particpants, design a tailor-made programme and train your trainers to deliver it efficiently and confidently.
Vision & Mission
Our vision
Money is more than adding up numbers. A big part of financial education is about behaviour and values. Our courses integrate all these aspects.
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Financial education should start early – that’s why we offer courses for children and adults. Advertisers don’t wait children to be in their 20s to start educating them into consumers…
- We are independent from any financial institution and from financial advisors.
Our mission
Raise awareness that financial education is key to improve people’s lives.
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Provide tools for communities and organisations to implement effective financial education programmes.
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Develop high quality training programmes addressing each community’s financial education gaps and needs.

