The lack of financial education from an early age and the lack of savings systems that support people to manage their resources, especially in marginalized and rural areas, limit the possibilities of economic development and affect quality of life. The development of such skills as organization and informed and responsible planning and decision making, coupled with access to up-to-date information on money management, are topics not present today in educational programs.

Programs include forming savings habits from childhood and, later, creating community banks. The foundation is life skills, including: critical thinking, decision making, planning and organization. Objectives include improved use of resources, priorities setting and meeting of goals. The community banks facilitate savings and access to loans provided by the same community group, while participants successfully assume responsibility for their personal finances.