By Country: Netherlands

Government programmes

• CentiQ, Netherlands Ministry of Finance
• De Nederlandsche Bank, www.dnb.nl

Civil society programmes

• Child Social and Financial Education, Aflatoun (global reach)
• Nibud - National Institute for Family Finance Information, www.nibud.nl, www.nibudjong.nl, www.zelfjeschuldenregelen.nl, www.berekenuwrecht.nl, www.financielechecklist.nl 
  Nibud is an independent foundation. The national government and the private financial sector (banks, insurance companies) finance about 30% of the projects. The rest is financed by the revenues of the Nibud products. Its goal is to promote a rational planning of family finances, these contributing substantially to family welfare in Nibuds opinion. Nibud pursues this goal by offering advice, information and education. Not only directly to all individuals and households but also indirectly through a wide range of professional intermediaries like public servants, teachers and consultants in the fields of mortgage, insurance, savings and loans. Individuals and households are addressed through the mass media using free publicity and products concerning family budget subjects. Nibud supports the intermediaries by means of an annual budget handbook (including a large number of reference budgets) and software. Furthermore, Nibud offers instruction facilities for these professionals. The websites of Nibud are consulted by more or less 10.000 consumers daily. Almost 90% of the Dutch people are familiar with Nibud.