By Country: Spain

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Government programmes

Spanish Treasury, Ministerio de Economía y Hacienda, (MEH):

- “Public Debt”: Informative brochure, Spanish Debt, alternative investments, taxation, markets, how to operate.
www.tesoro.es/en/index.asp

- “How to operate”: a guide to buy and sell Spanish Treasury Debt through Internet.
www.tesoro.es/en/deuda/comoope/index.asp

Policy holder protection, General Directorate of Insurance and Pension Funds, (MEH). This Complaints Service offers useful information regarding insurance buyers and their protection: www.dgsfp.mineco.es/reclamaciones/index_in.asp

Escuela de Hacienda Pública, (MEH). MEH training lies essentially with The Treasury School, which includes both specific training for civil servants and institutional training in collaboration with other organisations: www.minhac.es/Portal/Servicios/Formacion/La+Escuela+de+Hacienda+Publica.htm

Customer protection, Banco de España

Consumer protection and investor education, Comisión Nacional del Mercado de Valores (CNMV)

Dolceta Spain, European Commission: www.dolceta.eu/espana/index.php

Civil Society programmes

Financial Assessment and Education, Women´s World Banking (Banco Mundial de la Mujer)
Edufinet, Universidad Internacional de Andalucía, Universidad de Málaga and Unicaja

Private sector programmes

Financial education, Bolsa de Madrid (Madrid stock exchange)
EDUFIEMP, Educational Portail for SMEs and Enterpreneurs by Unicaja ((Spanish saving bank) and CEM (Malaga’s Entrepreneurs Association)
Caixa Terrassa is running “Learn to manage your money”, with 44,000 pupils having participated between 2000 and 2007.
Escuela Superior de Cajas de Ahorro (Savings Banks Higher School) is a training school for banking employees only.
The Confederation of Spanish Savings Banks is carrying out a stock market training game, with the participation of over 14,800 students in the 2007 edition.
Caixanova offers an “Easy Guide to Buy and Finance your House”, which aims to assess potential clients and includes useful information about the different steps to follow to buy a house and different possibilities.
Caja de Burgos is developing both the Enterpreneurs Programme and Young Enterpreneurs Programme to foster innovative and sustainable enterpreneurial initiatives through education and assessment of different ways to finance the activities. The Young Enterpreneurs Programme is focused specially on students between 10 and 11 years old.
Caja España, through Lengua Española Foundation, is financing centres for immigrants where they are taught, among other things, to use banking products and the way to operate with financial institutions (http://www.fundacionlengua.es/files_en/actividades/centros/inicio.html)
ADICAE (Asociación de Usuarios de Bancos, Cajas y Seguros de España). This banks and insurance clients association is carrying out different training and users protection projects and publishes useful guides for financial clients employing a very didactic language and clear examples of the most common situations people have to face when they have to adopt financial decisions (www.adicae.net)