{"id":12405,"date":"2023-07-28T12:00:00","date_gmt":"2023-07-28T10:00:00","guid":{"rendered":"https:\/\/prahaskolska.200.solutions\/?p=12405"},"modified":"2023-07-31T12:09:53","modified_gmt":"2023-07-31T10:09:53","slug":"financni-gramotnost-neni-o-matematice-ale-o-pristupu-k-penezum","status":"publish","type":"post","link":"https:\/\/prahaskolska.200.solutions\/?p=12405","title":{"rendered":"Finan\u010dn\u00ed gramotnost nen\u00ed o matematice, ale o p\u0159\u00edstupu k\u00a0pen\u011bz\u016fm"},"content":{"rendered":"\n

Ve druh\u00e9m pololet\u00ed pr\u00e1v\u011b skon\u010den\u00e9ho \u0161koln\u00edho roku b\u011b\u017eely v r\u00e1mci na\u0161eho projektu iKAP II \u2013 Inovace ve vzd\u011bl\u00e1v\u00e1n\u00ed projektov\u00e9 dny Finan\u010dn\u00ed gramotnosti. T\u00fdm pro\u0161kolil 1100 d\u011bt\u00ed na pra\u017esk\u00fdch z\u00e1kladn\u00edch i st\u0159edn\u00edch \u0161kol\u00e1ch.<\/strong><\/p>\n\n\n\n

Realiza\u010dn\u00ed t\u00fdm projektu iKAP II \u2013 Inovace<\/a> ve vzd\u011bl\u00e1v\u00e1n\u00ed s nab\u00eddkou projektov\u00fdch dn\u016f finan\u010dn\u00ed gramotnosti obeslal b\u011bhem lo\u0148sk\u00e9ho podzimu pra\u017esk\u00e9 \u0161koly, n\u011bkter\u00e9 obvolal a dal\u0161\u00ed se hl\u00e1sily samy, nap\u0159. na z\u00e1klad\u011b newsletteru projektu<\/a>, kter\u00fd dost\u00e1vaj\u00ed \u0159editel\u00e9 \u010di z\u00e1stupci \u0161kol. B\u011bhem podzimu prob\u00edhala p\u0159\u00edpravn\u00e1 online setk\u00e1n\u00ed odborn\u00e9 garantky kl\u00ed\u010dov\u00e9 aktivity Gramotnosti, vedouc\u00ed t\u00fdmu \u0161kolitelek a z\u00e1stupc\u016f \u0161kol, kter\u00e9 se p\u0159ihl\u00e1sily. Vyladil se program, o\u010dek\u00e1v\u00e1n\u00ed, c\u00edle projektov\u00fdch dn\u016f, \u010dasov\u00e1 dotace. D\u00edky zapojen\u00ed do v\u00fd\u0161e zm\u00edn\u011bn\u00e9ho projektu \u0161koly za projektov\u00e9 dny nic neplatily. Od prosince 2022 se za\u010dalo na\u017eivo \u0161kolit ve t\u0159\u00edd\u00e1ch, posledn\u00ed lekce prob\u011bhla v polovin\u011b \u010dervna 2023.<\/p>\n\n\n\n

\u201eCelkov\u011b jsme byli na jednadvaceti \u0161kol\u00e1ch, v jednapades\u00e1ti t\u0159\u00edd\u00e1ch a pro\u0161kolili jsme 1064 \u017e\u00e1k\u016f.<\/strong> Na z\u00e1kladn\u00edch \u0161kol\u00e1ch jsme finan\u010dn\u00ed gramotnost u\u010dili nej\u010dast\u011bji dev\u00e1t\u00e9 t\u0159\u00eddy, ale byly i \u0161koly, kter\u00e9 cht\u011bly pro\u0161kolit u\u017e \u0161est\u00e9 ro\u010dn\u00edky,\u201c<\/em> \u0159\u00edk\u00e1 Vendula Je\u017ekov\u00e1, odborn\u00e1 garantka kl\u00ed\u010dov\u00e9 aktivity Gramotnosti v projektu iKAP II \u2013 Inovace. \u201eNa st\u0159edn\u00edch \u0161kol\u00e1ch jsme v\u011bt\u0161inu projektov\u00fdch dn\u016f absolvovali ve druh\u00fdch a t\u0159et\u00edch ro\u010dn\u00edc\u00edch,\u201c <\/em>dopl\u0148uje.<\/p>\n\n\n\n

\u017d\u00e1ky \u0161kolil t\u00fdm finan\u010dn\u00edch poradky\u0148 pod veden\u00edm Ing. Jitky Frol\u00edkov\u00e9. V\u0161echny spojuje pr\u00e1ce pro spole\u010dnost Partners, ale p\u0159edev\u0161\u00edm dlouholet\u00e9 zku\u0161enosti se \u0161kolen\u00edm d\u011bt\u00ed a ml\u00e1de\u017ee v oblasti finan\u010dn\u00ed gramotnosti. Podle zp\u011btn\u00e9 vazby, kterou na projektov\u00e9 dny t\u00fdm projektu iKAP II \u2013 Inovace dostal, si \u0161koly velmi cenily, \u017ee finan\u010dn\u00ed gramotnost \u0161kol\u00ed lid\u00e9 z praxe a ne teoretici a \u017ee projektov\u00e9 dny jsou velmi praktick\u00e9.<\/p>\n\n\n\n

Praktick\u00e9 propojen\u00ed znalost\u00ed s b\u011b\u017en\u00fdm \u017eivotem<\/strong><\/p>\n\n\n\n

\u201eFinan\u010dn\u00ed gramotnost nen\u00ed o matematice, ale o p\u0159\u00edstupu k pen\u011bz\u016fm, o uv\u011bdom\u011bn\u00ed si souvislost\u00ed a propojen\u00ed v\u011bc\u00ed, tak\u00e9 o zdrav\u00fdch n\u00e1vyc\u00edch, kter\u00e9 je dobr\u00e9 si osvojit,\u201c<\/em> \u0159\u00edk\u00e1 Frol\u00edkov\u00e1. Se t\u0159\u00eddou v\u017edy pracovaly dv\u011b \u0161kolitelky, p\u0159\u00edtomen ve t\u0159\u00edd\u011b byl i u\u010ditel, kter\u00fd v ten \u010das m\u011bl d\u011bti na starosti. C\u00edlem bylo nejen \u017e\u00e1k\u016fm vysv\u011btlit z\u00e1kladn\u00ed z\u00e1konitosti fungov\u00e1n\u00ed pen\u011bz a trhu, ale p\u0159edev\u0161\u00edm je nau\u010dit zodpov\u011bdn\u011b a aktivn\u011b uva\u017eovat a propojovat si znalosti s b\u011b\u017en\u00fdm \u017eivotem. Nau\u010dit se o sv\u00e9 pen\u00edze starat, pl\u00e1novat, \u0161et\u0159it a neb\u00e1t se aktivn\u011b p\u0159istupovat k jejich vyd\u011bl\u00e1v\u00e1n\u00ed. Podle zku\u0161enosti \u0161kolitelek nez\u00e1vis\u00ed finan\u010dn\u00ed gramotnost a\u017e tolik na dosa\u017een\u00e9m vzd\u011bl\u00e1n\u00ed lid\u00ed \u2013 lze \u0159\u00edci, \u017ee v\u00edce finan\u010dn\u011b gramotn\u00fd m\u016f\u017ee b\u00fdt truhl\u00e1\u0159 ne\u017e in\u017een\u00fdr.<\/p>\n\n\n\n

Projektov\u00e9 dny finan\u010dn\u00ed gramotnosti prob\u011bhly jednadvaceti r\u016fzn\u00fdch pra\u017esk\u00fdch \u0161kol\u00e1ch \u2013 z\u00e1kladn\u00edch, st\u0159edn\u00edch, SO\u0160, soukrom\u00fdch Z\u0160, i na gymn\u00e1zi\u00edch, ale nap\u0159. i v unik\u00e1tn\u00edm prost\u0159ed\u00ed Z\u00e1kladn\u00ed \u0161koly a mate\u0159sk\u00e9 \u0161koly pro sluchov\u011b posti\u017een\u00e9. Podle t\u00fdmu \u0161kol\u00edc\u00edch byla v cel\u00e9 \u0161kole velmi p\u0159\u00edjemn\u00e1 atmosf\u00e9ra, na projektov\u00fd den se p\u0159i\u0161la pod\u00edvat i pan\u00ed \u0159editelka a asi nikde nebyli soust\u0159ed\u011bn\u011bj\u0161\u00ed \u017e\u00e1ci a v\u011bt\u0161\u00ed klid ve t\u0159\u00edd\u011b.<\/p>\n\n\n\n

Co byste si cht\u011bli koupit? Pejska i rovnopr\u00e1vnost \u017een.<\/strong><\/p>\n\n\n\n

A jak projektov\u00e9 dny vypadaly? Po teoretick\u00e9m \u00favodu n\u00e1sledovala \u0159ada praktick\u00fdch cvi\u010den\u00ed, na kter\u00fdch \u017e\u00e1ci pracovali v t\u00fdmech i samostatn\u011b. Dost\u00e1vali \u0159adu „v\u0161ete\u010dn\u00fdch ot\u00e1zek“, dobr\u00fdch a \u0161patn\u00fdch p\u0159\u00edklad\u016f zach\u00e1zen\u00ed s pen\u011bzi.<\/strong><\/p>\n\n\n\n

V \u00favodn\u00edm bloku m\u011bly d\u011bti odpov\u00eddat nap\u0159. na ot\u00e1zku, co by si cht\u011bly koupit. Odpov\u011bdi se samoz\u0159ejm\u011b li\u0161ily dle v\u011bku: mlad\u0161\u00ed ro\u010dn\u00edky z\u00e1kladn\u00edch \u0161kol odpov\u00eddaly nap\u0159. \u201epejska\u201c, na gymn\u00e1ziu to u\u017e byla t\u0159eba \u201erovnopr\u00e1vnost \u017een\u201c. V praktick\u00e9m cvi\u010den\u00ed \u2013 n\u00e1padech na \u201epodnikatelsk\u00e9 z\u00e1m\u011bry\u201c pak p\u0159ich\u00e1zely od \u017e\u00e1k\u016f n\u00e1pady nejr\u016fzn\u011bj\u0161\u00edho typu. Objevily se t\u0159eba i z\u00e1m\u011bry obchodu se zbran\u011bmi, prodeje org\u00e1n\u016f nebo prodeje sourozenc\u016f. Na \u0159adu pak obratem p\u0159i\u0161el praktick\u00fd v\u00fdklad, co je a co nen\u00ed leg\u00e1ln\u00ed a jak\u00e9 za neleg\u00e1ln\u00ed po\u010d\u00edn\u00e1n\u00ed hroz\u00ed dle na\u0161eho pr\u00e1vn\u00edho \u0159\u00e1du tresty. Navrhovatel\u00e9 pak od t\u011bchto \u201epl\u00e1n\u016f\u201c pak obvykle rychle upustili.<\/p>\n\n\n\n

\u201eN\u011bkter\u00e9 d\u011bti jsou okolnostmi dotla\u010den\u00e9 b\u00fdt velmi brzy finan\u010dn\u011b gramotn\u00e9 \u2013 tedy v\u011bd\u011bt, jakou maj\u00ed v\u011bci hodnotu, co za \u00fasil\u00ed stoj\u00ed si na n\u011b vyd\u011blat a jak s pen\u011bzi zodpov\u011bdn\u011b nakl\u00e1dat. V\u00fdjimkou nejsou \u017e\u00e1ci, kter\u00e9 maj\u00ed u\u017e v 9. t\u0159\u00edd\u011b brig\u00e1du nebo \u017e\u00e1kyn\u011b na za\u010d\u00e1tku odborn\u00e9 \u0161koly, kter\u00e9 v\u011bd\u00ed, \u017ee s platy v jejich oboru si v \u017eivot\u011b sotva vysta\u010d\u00ed. N\u011bkter\u00e9 d\u011bti tak samy state\u010dn\u011b supluj\u00ed roli, kterou by v jejich v\u011bku je\u0161t\u011b m\u011bli zast\u00e1vat rodi\u010de,\u201c<\/em> shrnuje n\u011bkter\u00e9 zku\u0161enosti ze \u0161kolen\u00ed Jitka Frol\u00edkov\u00e1.<\/p>\n\n\n\n

Mnoz\u00ed \u017e\u00e1ci tak\u00e9 t\u00fdm \u0161kolitelek pozitivn\u011b p\u0159ekvapili aktivn\u00edm p\u0159\u00edstupem, znalostmi a p\u0159ehledem \u2013 vypt\u00e1vali se na v\u00fd\u0161i platu lektorek, kolik maj\u00ed zainvestov\u00e1no, kter\u00e9 dom\u00e1c\u00ed i sv\u011btov\u00e9 podnikatele vn\u00edmaj\u00ed jako \u00fasp\u011b\u0161n\u00e9. A sami se velmi dob\u0159e orientovali.<\/p>\n\n\n\n

\u0160kolitelky maj\u00ed zku\u0161enost i s ukrajinsk\u00fdmi \u017e\u00e1ky ve v\u00fduce, proto\u017ee i ti se projektov\u00fdch dn\u016f finan\u010dn\u00ed gramotnosti \u00fa\u010dastnili. \u201eV\u017edy jsme vid\u011bli z\u00e1jem, i kdy\u017e samoz\u0159ejm\u011b v\u011bt\u0161inou i obavy mluvit nahlas p\u0159ed ostatn\u00edmi \u010di se v\u00edce projevit. V\u017edy pomohlo, kdy\u017e pro skupinku \u017e\u00e1k\u016f z Ukrajiny fungoval n\u011bkdo, kdo um\u011bl l\u00e9pe \u010desky a ostatn\u00edm p\u0159ekl\u00e1dal. Pak se zapojili stejn\u011b, jako \u010de\u0161t\u00ed spolu\u017e\u00e1ci, a i z v\u00fduky m\u011bli v\u011bt\u0161\u00ed p\u0159\u00ednos,\u201c<\/em> vypr\u00e1v\u00ed Frol\u00edkov\u00e1.<\/p>\n\n\n\n

Kontokorent se nehod\u00ed<\/strong><\/p>\n\n\n\n

Krom\u011b \u00favodu do finan\u010dn\u00ed gramotnosti se prob\u00edrala t\u00e9mata jako \u00fav\u011bry, exekuce a dluhov\u00e1 past, \u0161patn\u00e9 \u00fav\u011bry, poji\u0161t\u011bn\u00ed, spo\u0159en\u00ed a investov\u00e1n\u00ed nebo kritick\u00e9 my\u0161len\u00ed ve finan\u010dn\u00edm sv\u011bt\u011b.<\/p>\n\n\n\n

Rozhodn\u011b \u017e\u00e1ci b\u011bhem dne nesly\u0161eli, \u017ee kontokorent a kreditn\u00ed karta se jim hod\u00ed, naopak. Zadlu\u017eovat se (co\u017e tyto slu\u017eby p\u0159in\u00e1\u0161ej\u00ed) nen\u00ed nikdy dobr\u00e9. C\u00edlem \u0161kolen\u00ed mimo jin\u00e9 bylo to, aby \u017e\u00e1ci pochopili, \u017ee finance jsou jejich osobn\u00ed v\u011bc a \u017ee by nem\u011bli bezhlav\u011b v\u011b\u0159it tomu, co jim kdo \u0159ekne \u010di bude n\u011bkdy t\u0159eba i vnucovat. Finan\u010dn\u00ed gramotnost je toti\u017e \u00fazce spojena s kritick\u00fdm my\u0161len\u00edm a medi\u00e1ln\u00ed gramotnost\u00ed.<\/p>\n\n\n\n

\u201eV\u00edme, \u017ee finan\u010dn\u00ed gramotnost ve \u0161kol\u00e1ch obvykle \u0161kol\u00ed u\u010ditel\u00e9 matematiky nebo \u201eob\u010danky\u201c. Jsme r\u00e1di, \u017ee jsme mohli nab\u00eddnout zase jinou alternativu a podle zp\u011btn\u00e9 vazby vid\u00edme, \u017ee \u0161koly ji p\u0159ijaly velmi pozitivn\u011b. A to n\u00e1s moc t\u011b\u0161\u00ed,\u201c<\/em> \u0159\u00edk\u00e1 Vendula Je\u017ekov\u00e1, garantka kl\u00ed\u010dov\u00e9 aktivity Gramotnosti projektu iKAP II – Inovace, pod n\u00ed\u017e tyto projektov\u00e9 dny b\u011b\u017eely. Projekt koordinuje Pra\u017esk\u00fd inova\u010dn\u00ed institut pro Hlavn\u00ed m\u011bsto Praha.<\/p>\n\n\n\n

Na webu projektu iKAP II \u2013 Inovace ve vzd\u011bl\u00e1v\u00e1n\u00ed, <\/strong>v sekci Gramotnosti \u2013 Finan\u010dn\u00ed gramotnost<\/strong><\/a> jsou<\/strong> pro v\u0161echny u\u010ditele \u010di dal\u0161\u00ed z\u00e1jemce ze \u0161kol zdarma dostupn\u00e9 online  webin\u00e1\u0159e – \u0161kolen\u00ed k finan\u010dn\u00ed gramotnosti<\/strong> na t\u00e9mata zm\u00edn\u011bn\u00e1 o dva odstavce v\u00fd\u0161e.<\/p>\n\n\n\n

Pro v\u00edce informac\u00ed m\u016f\u017eete kontaktovat Vendulu Je\u017ekovou, garantku kl\u00ed\u010dov\u00e9 aktivity Gramotnosti v projektu iKAP II – Inovace: jezkova@prahainovacni.eu<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ve druh\u00e9m pololet\u00ed pr\u00e1v\u011b skon\u010den\u00e9ho \u0161koln\u00edho roku b\u011b\u017eely v r\u00e1mci na\u0161eho projektu iKAP II \u2013 Inovace ve vzd\u011bl\u00e1v\u00e1n\u00ed projektov\u00e9 dny Finan\u010dn\u00ed gramotnosti. T\u00fdm pro\u0161kolil 1100 d\u011bt\u00ed na pra\u017esk\u00fdch z\u00e1kladn\u00edch i st\u0159edn\u00edch \u0161kol\u00e1ch. Realiza\u010dn\u00ed t\u00fdm projektu iKAP II \u2013 Inovace ve vzd\u011bl\u00e1v\u00e1n\u00ed s nab\u00eddkou projektov\u00fdch dn\u016f finan\u010dn\u00ed gramotnosti obeslal b\u011bhem lo\u0148sk\u00e9ho podzimu pra\u017esk\u00e9 \u0161koly, n\u011bkter\u00e9 obvolal a dal\u0161\u00ed […]<\/p>\n","protected":false},"author":27,"featured_media":12406,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_breakdance_hide_in_design_set":false,"_breakdance_tags":"","footnotes":""},"categories":[135,42,149,43,47],"tags":[],"class_list":["post-12405","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-implementace-kap2","category-pro-pedagogy","category-pro-reditele-skol","category-pro-studenty","category-vzdelavani"],"acf":[],"_links":{"self":[{"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/12405","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12405"}],"version-history":[{"count":1,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/12405\/revisions"}],"predecessor-version":[{"id":12407,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/12405\/revisions\/12407"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/media\/12406"}],"wp:attachment":[{"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12405"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12405"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}