Course Overview

Financial Literacy

Course Title: Financial Literacy
Starting Date: January 10, 2026
Duration: 20 Hours
Delivery Format: Instructor-led + Practical Exercises + Assessments
Credit Equivalent: 1 Credit Hour
Class Size: Up to 50 Participants
Course Fee: BDT 3,000.00

Course Description

This micro-credential provides practical, everyday financial skills that learners can immediately apply in their personal, academic, and professional lives. The course covers budgeting, savings, digital banking, credit management, debt control, investments, and fraud protection.

Through hands-on exercises, role-play simulations, budgeting tasks, loan comparisons, and digital finance practice, learners develop confidence in managing money responsibly and making informed financial decisions.

Designed for all backgrounds, this course builds a strong foundation for financial independence, safety, and long-term financial planning.

Syllabus

5 Modules × 4 Hours Each

Module 1: Introduction to Financial Literacy (4 Hours)

Topics

• What is financial literacy?
  
  
• Why financial literacy matters
  
  
• Income types (salary, business, passive income)
  
  
• Needs vs Wants
  
  
• Spending habits & financial decision-making
  
  
• Overview of personal finance tools
  
  

Practical Activities

• Personal expense diary analysis
  
  
• Needs vs. wants classification exercise
  
  

Learning Outcome

Understanding the basics of money, personal finance, and responsible financial behavior.

Module 2: Budgeting & Financial Planning (4 Hours)

Topics

• Importance of personal budgeting
  
  
• Budgeting methods (50/30/20 rule, zero-based budgeting)
  
  
• Setting short-term and long-term financial goals
  
  
• Emergency funds
  
  
• Cash flow management
  
  
• Managing family/household budgets
  
  

Practical Activities

• Create a 1-month personal budget
  
  
• Set 3 SMART financial goals
  
  

Learning Outcome

Ability to create and manage a realistic budget and plan monthly finances.

Module 3: Savings, Banking & Digital Finance (4 Hours)

Topics

• Savings accounts, fixed deposits, recurring deposits
  
  
• How banks work
  
  
• Introduction to Digital Financial Services (DFS) & Mobile Financial Services (MFS)
  
  
• Digital transactions: mobile banking, cards, ATM, POS, Bangla QR
  
  
• Interest calculation basics
  
  
• Tools: bank apps, MFS apps, mobile wallets
  
  

Practical Activities

• Compare savings products of different banks/MFS
  
  
• Perform a mock digital transaction & safety checklist
  
  

Learning Outcome

Knowledge of saving instruments, banking tools, and secure use of digital financial systems.

Module 4: Credit, Loans & Debt Management (4 Hours)

Topics

• What is credit?
  
  
• Types of loans (personal, home, auto, credit card loan)
  
  
• Interest rate vs APR
  
  
• Credit score basics
  
  
• Good debt vs Bad debt
  
  
• How to avoid over-borrowing
  
  
• Debt repayment strategies (snowball, avalanche)
  
  

Practical Activities

• Calculate loan installment using simple formulas
  
  
• Evaluate a loan offer (hidden costs, fees, risks)
  
  

Learning Outcome

Ability to evaluate loan options, manage debt, and avoid financial traps.

Module 5: Investment Basics, Risk, & Fraud Protection (4 Hours)

Topics

• Why invest? Basic investment principles
  
  
• Investment products:
  
  
• Mutual funds
  
  
• Bonds
  
  
• Stocks
  
  
• Government savings schemes
  
  
• Risk vs return
  
  
• Inflation impact
  
  
• Financial scams & fraud awareness (phishing, OTP sharing, fake calls)
  
  
• Insurance basics (life, health, general)
  
  
• Safe digital behaviors
  
  

Practical Activities

• Analyze a simple investment scenario
  
  
• Fraud detection role-play (identify red flags)
  
  

Learning Outcome

Understanding investment options, risks, inflation, and staying safe from fraud.

Assessment (Mandatory for Certification)

Project (40%)
Create a 3-month personal financial plan including budget, savings, and risk management.

MCQ Exam (40%)
40 questions covering all modules.

Practical Task (20%)
Budget creation + fraud detection quiz.

Module 6: Financial Risk

Topics

• Nature of Financial Risk
  
  
• Financial Risk Identification Process
  
  
• How to Protect Financial Risk
  
  

Entry Qualifications

• Students from any discipline
  
  
• Early-career professionals
  
  
• Entrepreneurs & freelancers
  
  
• Community members using MFS/DFS
  
  
• No prior financial knowledge required
  
  

Career Pathways

• Finance Assistant / Accounts Support
  
  
• Banking / MFS Customer Service
  
  
• Entrepreneur or Small Business Owner
  
  
• Retail Banking Sales/Advisory Roles
  
  
• NGO / Community Education Worker (Financial Inclusion)
  
  
• Personal Finance Coach (Beginner level)