DILEMME ÉDUCATION

1. THE BOARD GAME

LEARNING TOOL: Large format board game

OPERATION: Ideal for groups of 6 to 12 participants, Dilemme® is a board game in which each round is equal to 1 month. The players, gathered in teams of 2 to 4, must collectively pay a set of predefined charges in a budget table, while saving money to carry out a medium-term project drawn at the beginning of the game. Additionally, they must collect 10 “pleasure points” corresponding to leisure and cultural activities. Temptations, unexpected events and various choices are part of a multimodal journey (car, bus, bicycle and metro/tram) interspersed with theoretical questions.

TARGET: from 4 to 16 players from 14 years old

DURATION: game sessions from 2 to 3 hours

ACCESSIBILITY: • On-demand sessions • Annual / multi-year programs with sessions led by CRÉSUS® professionals • Integration into the program through the training of ambassadors for autonomous operation

ZONE OF INTERVENTION: Metropolitan France and French-speaking countries

GLOBAL AND SPECIFIC GOALS OF DILEMME® EDUCATION: Initiate and strengthen everyone's budgetary and financial knowledge • Acquire the basics of managing a personal budget • Acquire practical knowledge about banking, insurance, taxes or credit • Understand the global environment of the banking and financial world • Prevent the risks of over-indebtedness

Transforming citizens' practices • Improve the budgetary and financial management of all • Promote the enlightened exploitation of the banking, insurance and financial ecosystem of citizens • Promote dialogue around money and consumption

Promoting societal change • Fight against financial exclusion • Strengthen the autonomy of citizens • Foster equal opportunities

APPROACHED SUBJECTS:

Active management of a budget Savings products l Expenses l Savings advices

Individual and collective responsibilities Responsible consumption l Sharing of good practices l Energy savings

Understanding society’s financial environment Taxes l Banks l Insurance l Credits l Rights and duties of stakeholders

Cross-curricular competencies Argumentation l Economic History l Mathematics

Dilemme® is a program developed by the non-profit association for the CRÉSUS® Foundation, recognized as a complementary educational organization for public education.

2013 winner of the Societe Generale Group’s « MECENAT DE COMPÉTENCES » CSR trophy (Skill-Based Sponsorship CSR trophy).

The game was first tested in 12 Apprenticeship Training Centers (ATCs) with 1,500 young people. The social impact assessment was based on an approach both quantitative and qualitative.

1

A DYNAMIC CONCEPT WHICH PROVES TO BE ATTRACTIVE

2

A STIMULATING AND REALISTIC EDUCATIONAL PROGRAM

3

A PLACE TO LEARN, REFLECT AND EXCHANGE ABOUT OUR RELATIONSHIP TO MONEY

During follow-up qualitative interviews, exclamations such as « we had fun » and « it was so cool! » were recurrent.

95 % of respondents answered that the game was fun. 97 % of them said dynamic . it was FUN GAME

DYNAMIC GAME

I had fun during the game:

Although they are aware of the educational objective of the game, young people are nevertheless motivated by its goal: to carry out their project, achieve a balanced budget and collect fun points.

The main motivations identified are as follows:

Handling banknotes

Carry out an actual project

The game reflects difficulties I have faced or am facing:

LEARNING Half of the interviewees say they have learned new things.

The game taught me how to manage my budget:

YES NO MOSTLY YES MOSTLY NO

THINKING

During the game, young people are very excited when it comes to making choices to manage their money.

YES NO MOSTLY YES MOSTLY NO YES NO MOSTLY YES MOSTLY NO

CONCLUSION Undoubtedly, the game starts a conversation and a thought process which helps to raise awareness on matters rarely mentioned at school.

The goal of the game motivated me:

YES NO MOSTLY YES MOSTLY NO

EVENT CARDS

The events are practical or life hazardous situations that players must face. Whether positive or negative, these events encourage players to make team decisions that will impact their budget. FUN CARD

Fun cards offer leisure activities (more or less expensive) options to the players. The teams’ goal is to have fun while keeping their budget under control.

You get sick.

Medications are poorly reimbursed. Lose 1 pleasure point. Pay 60€ for health expenses if you do not have a mutual insurance company or 10€ if you subscribed to health insurance.

If you can't pay 60€ (or 10€ with health insurance), it takes you longer to heal. You miss work for a few days. Your next income then drops by 100€ and you lose 2 additional pleasure points.

Your director is offering to work overtime this month. You will have to work hard and have less time for your hobbies. If you accept, earn an additional 200€ at the end of the month and lose 2 pleasure points. Keep this card until the end of the round.

Concert by your favorite band 40€ for 2 fun points

Or

Music Festival

90€ for 3 fun points

UNEXPECTED EXPENSE

DILEMMA PLEASURE

QUESTION CARDS The questions allow players to be informed, each at their own level of understanding, about concepts related to banking, insurance, budget management and the risks associated with gambling.

If you have the choice between a 250g bag of pasta for €1.30, a 500g bag for €2.50 or a 1kg family pack for €5.50, which is the most advantageous?

The 500 g bag

Comments: Whenever possible, prices should always be compared with the price per liter or per kilo. Here, the price per kilo of the 250 g bag is 5.2€ (4 x 1.3 = 5.2), the price of the 500 g bag is 5€ (2 x 2.5 = 5) and the price of the family pack is 5.5€

I don't have enough money to make rent in November. A friend advised me to pay by check and to write on the back "to be cashed on December 10". Is this a good solution?

No, it's a risky solution.

Comments: There is no obligation on the landlord not to cash the cheque. By using my checkbook when I don't have the money in my account, I take the risk of writing a bounced cheque, pay significant fees and have my checkbook taken away.

You have third party liability insurance. One day, you have an accident and hit another vehicle. Your friend, who was in the passenger seat, was slightly injured and both vehicles were damaged. What will your insurance cover? • the damage to your car, the other vehicle and your friend's health costs • only the damage caused to the other vehicle

• the damage to the other vehicle and your friend's health costs*