The impact of ten years of National Money Exam: ten Q&As for Willemijn Zwiep
From 22 to 26 March, Wijzer in Geldzaken, part of
the Ministry of Finance, is organising the annual
Dutch National Money Week. This initiative is aimed
at preparing children in primary school for financial
self-reliance. One of the partners of the project
week is Deloitte. Deloitte’s Willemijn Zwiep, Head of
Brand, Marketing & Communications, came up with
the idea ten years ago. What impact has The
National Money Exam made so far? And what does
she remember most? Here are ten Q&As.
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1. WHAT INSPIRED YOU TO INITIATE THE NATIONAL MONEY EXAM?
’I had just started working at Deloitte and I was exploring the financial world
in every
possible way. One of the things I came across in the media were stories about
young people
with financial difficulties. One day my daughter, who was in 5th grade at the
time, proudly
came home with her traffic diploma. This is quite silly actually, I thought. Why
do we offer
traffic lessons to all Dutch children, but no money lessons? A money diploma is
just as
important. And so the idea came up for a money lesson program, and for The
National
Money Exam for 5th and 6th graders.'
2. HOW DID DELOITTE SUPPORT YOUR INITIATIVE?
’Deloitte immediately considered it a good idea. It matches with who we are as
an
organisation. If we can advise other companies in-depth about their financial
position, then
we must be able to explain this to children as well. The project was fully
supported and later
also embraced by the Deloitte Impact Foundation. I was allowed to find out how
we could
set up the money lesson program and to involve a colleague. It was quite an
extensive
project, with various partners such as Nibud and publishers in primary
education. As
Deloitte, we may be financially savvy, but developing teaching programs is a
completely
different skill.’
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3. WHAT WAS YOUR ULTIMATE GOAL WITH THE NATIONAL MONEY EXAM?
’Our mission is to teach children how to handle their finances. Money plays such
an
important role in everyone's life. If you learn how to deal with money at a
young age, it will
be so much easier when you’re older. That is why we have chosen to develop a
program for
primary school. When children go to high school, their world suddenly becomes so
much
bigger, with plenty of financial decisions to make. We want children to be
prepared
beforehand.’
4. HOW DID CHILDREN LEARN TO HANDLE MONEY IN 2011? AND WHAT WAS MISSING AT THE
TIME?
’In terms of financial education, there were already a number of initiatives,
but they were
scattered. A lesson here and a video or play there. So we opted for a curriculum
consisting
of a number of lessons and a final exam. That way the program would truly make a
lasting
impact.’
5. HOW DID YOUR COLLEAGUES AT DELOITTE WELCOME THIS INITIATIVE?
‘Very well. During the Dutch National Money Week we usually offer guest lessons
at primary
schools. These lessons require so-called money coaches from Deloitte. It has
never been a
problem to find enough enthusiastic people. In fact, it gets sold out very
quickly! Colleagues
really enjoy doing this. The children asking questions, the dynamics of a
primary school, that
really boosts your energy. ‘
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6. HOW HAS THE NATIONAL MONEY EXAM EVOLVED OVER THE PAST TEN YEARS?
’Ten years ago, we started ”selling” the free curriculum at the NOT, which is an
educational
fair. Now, we are collaborating with Uitgeverij Zwijsen, an educational
publisher, who have
included The National Money Exam in their portfolio. The curriculum and the exam
have
been greatly improved, thanks to many teachers and pupils. And over the years,
the
curriculum has become much more attractive. The program is more interactive, a
workbook
has been included, as well as fun videos. It is important to keep up with trends
and
developments. For example, the exam now also contains questions about paid
apps.’
7. WHAT IS THE EXACT IMPACT OF TEN YEARS OF THE NATIONAL MONEY EXAM?
’At the start, about 100 classes purchased a teaching package. That number has
already
increased to about 1,000 per year. This means that we are able to reach about
30,000
children every year. In ten years’ time more than 250,000 children have received
a money
diploma. That is an amazing result.’
8. HOW DO YOU FEEL ABOUT WORKING FOR A SOCIAL INITIATIVE NEXT TO YOUR JOB?
’It really boosts my energy and is very satisfactory. It is great to see the
program expand and
to notice that it is really making an impact. I think one of the best moments of
each year is
the ”Big money lesson” that we organise at our office during the Dutch National
Money
Week. Three to four primary school classes are invited, with a hundred children
suddenly
running all over the building. They are addressed by Deloitte's ”money boss”,
aka our CFO,
and they ask brilliant questions such as ”Are you rich?” and “What type of car
do you drive?”
The children really enjoy being in the office and participating in the money
lesson.’
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9. ARE THERE SPECIFIC MOMENTS THAT YOU REMEMBER FROM THE PAST TEN YEARS?
’There are many special moments that I remember with joy. The first money
diplomas were
awarded by Máxima, who was still a princess at the time. Of course, that was a
grand
happening. Mayor Aboutaleb of Rotterdam attended the ”Big money lesson” at our
office.
But we also organised a competition for the pupil with the best answer to the
question ”If
you were a Rotterdam mini-minister of Finance, how would you spend your money?
“. The
winner was Haci Nuh. Later on that year, he helped minister of Finance Jeroen
Dijsselbloem
carry the briefcase with the ”Miljoenennota” during Prinsjesdag. Isn't that
amazing?’
10. WHAT DO YOU WISH FOR THE FUTURE?
’I hope we can continue to make the same impact. Reaching 30,000 students every
year is a
big deal. But I would also like to develop a program for high school students.
And perhaps
an international version? Financial problems do not stop at national borders and
it is such a
great win if you can prevent young people from ending up in debt. In the future,
I would
really like to see financial education being included in the standard school
curriculum, next
to language and math. Money lessons make so much sense.’
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'INTENYEARS’TIMEMORETHAN250,000CHILDRENHAVERECEIVEDAMONEYDIPLOMA.THATISANAMAZINGRESULT.'
WILLEMIJN ZWIEP | Head of Brand, Marketing & Communications

