MJunior Conducted Financial Education Training for Schoolchildren in Osh

As part of Global Money Week, the MJunior team visited schools in Osh to provide a program aimed at developing financial literacy among local children. The training sessions were held at the Joomart Bokonbaev and Makarenko schools for students in grades 6–9.

The large-scale meeting focused on personal finance management. Speakers included school directors, representatives of MBANK and MJunior, and Mayram Abdykaimova, director of the Novator Business School. The session brought students together to learn a key lesson: how to turn childhood dreams into real opportunities.

The discussion began with an emotional moment: many children admitted that their biggest dream was to send their parents on a trip. However, achieving such goals requires not only desire but also a clear plan.

Mayram Abdykaimova explained the national currency of Kyrgyzstan to the students. They learned that banknotes are made from cotton. Special attention was given to security: children were shown the protective features of bills and were taught the importance of handling money carefully. Budgeting was also highlighted, with simple examples showing the consequences of financial illiteracy, such as earning 500 soms but spending 700.

The children, together with the speakers, explored important financial topics:

• Sources of income: from pocket money and gifts to parents’ earnings and their own small business.
• Types of expenses: essential expenses like transportation, food, utilities, rent, taxes, and communication, as well as discretionary spending, which can be saved for bigger goals.
• Budget types: the difference between a balanced budget and a deficit budget.
• Savings tools.

To help parents and save for their dreams, children need to learn financial management now. Modern banking solutions like MJunior support this. Students were introduced to digital tools:

• “Piggy Bank”: helps control spending. When money is not in cash, there is less temptation to spend it on trivial things.
• “Parent Tasks”: allows parents to assign tasks with rewards for completing them, strengthening interaction between parents and children.

Learning to Be Financially Successful

Financial literacy is a skill, just like being a teacher or building houses. It takes time and learning. “Helping parents starts with managing your own money wisely,” emphasized Mayram Abdykaimova.

Knowledge was reinforced with the legendary Cashflow game. Robert Kiyosaki’s educational game teaches how to manage capital, distinguish assets from liabilities, invest, and develop a mindset for generating passive income.

Children enthusiastically engaged in the process, choosing professions ranging from teacher to doctor, manager to investor. Each student filled out a financial report, recording income, expenses, and assets, and analyzed their finances independently.

The classroom turned into a real race. Children tried to escape the trap of everyday expenses, actively trading cards, debating whether to invest in stocks or save for a big deal. When someone announced that their income was now “flowing automatically” and they reached the “big circle,” the room erupted in excitement. Children cheered each other on. The winner was the one who first achieved their dream, such as buying tickets for their parents’ trip. Each student felt like a successful entrepreneur who understands the value of money. It was an explosion of emotions and a realization that the path to wealth can be fun.

Participant Feedback

The event received strong feedback from both teachers and students.

Elnura Kudayberdi Kyzy, computer science teacher at Joomart Bokonbaev School No. 5, noted:
“Many children do not know how to manage money properly or find ways to earn it. The MJunior training was a great support: children learned to manage money and express their opinions openly. This experience was valuable not only for students but also for us as teachers. We are eagerly awaiting new sessions.”

Gulzat Medetova, director of the MBANK Osh branch, said:
“The Cashflow game teaches children to make financial decisions wisely and encourages critical thinking. They develop a different attitude toward money, learning to save and think before spending.”

The MJunior team presented memorable gifts to the game winners, and all participants received certificates confirming their participation in the financial education training.

At the end of the session, MJunior asked the students if they enjoyed this format of learning financial literacy. The answer was a loud and enthusiastic “Yes!” When asked how often they would like to attend such sessions, the entire hall shouted, “Every day!”

Seeing such genuine excitement and engagement, the MJunior team reaffirmed the importance and demand for their role in educating and supporting the younger generation.

MBANK is proud of the children of Osh. After the game, students began thinking about what portion of their pocket money they could save in the MJunior Piggy Bank to invest in the future and achieve their dreams, such as taking their parents on a trip or saving for university tuition.

MBANK — Made in Kyrgyzstan!
MJunior — The Best for Children!