Sparkassen-SchulService
The Sparkassen-Finanzgruppe has been bundling its commitment to school education under the name Sparkassen-SchulService since 1975 . The background to these activities is that almost all savings banks in Germany are public companies and are therefore subject to the savings bank laws of the German federal states. The public education and training mandate of the savings banks is laid down there.
Historical origins and legal basis
At the end of the 18th century and the beginning of the 19th century, the first savings banks were founded in Germany, and in the course of the 19th century a comprehensive network of institutes emerged. At the same time, organizational and institutional support was created to encourage schoolchildren and young people to save and to give them practical help in saving. School savings banks played a special role . The first school savings bank was set up in Goslar in 1820. Around 4,000 school and youth savings funds were established by 1900. The aim of the school savings banks was to enable pupils to deposit amounts of money in the school and save them with interest. To this end, a system of savings brands for schoolchildren was introduced in many places. A trademark system developed and patented by the teacher J. Reinirkens in Essen at the end of the 19th century is likely to have been most widespread. Where school savings banks were initially independent, they were integrated into the local savings banks in the 19th century. Since 1924 there has been the annual World Savings Day and an associated youth savings week .
Parallel to this organizational and institutional support, there was a demand for savings and economic education, which should be reflected in the classroom. The oldest evidence of a pedagogical approach to saving education is likely to be an article by pedagogue Friedrich Hofmann in the journal Die Gartenlaube in 1865 : “... as soon as the child enters school, his or her independence begins in saving. However, there must be no external coercion. The drive to do so must be internal, but it is stimulated by the coexistence of the children. "
In the savings bank laws of all German federal states there is more or less clearly the mandate for savings and economic education. For example, the Savings Banks Act of Rhineland-Palatinate (dated April 1, 1982) under the heading “Tasks, public mandate ” (Section 2, Paragraph 2, Sentence 3) formulates : “The savings banks promote wealth creation for broad sections of the population and the education of young people Independent economic behavior. ”How and with what means it fulfills this mandate is left to the individual savings banks.
Situation since 1975
The German Savings Banks and Giro Association (DSGV) had a nationwide curriculum analysis for economic education carried out in 1974 . The aim was to find a common intersection of economic topics in the eleven West German federal states. Starting in 1975, on the initiative of the DSGV and with its financial support, a range of teaching materials was created for these topics, which could be used by the local savings banks for savings and economic education under the name Sparkassen-SchulService. The development of the media took place from the beginning in the Deutsche Sparkassen Verlag GmbH, Stuttgart. The products are sold exclusively through the savings banks. Since Sparkassen are independently operating companies, it is entirely up to them whether and to what extent they use the Sparkassen-SchulService products. The original logo of the Sparkassen-SchulService was designed by the Ulm designer Otl Aicher . It was successively replaced by a newly designed logo in the years 2000/2001 for re-editions and new publications.
After German reunification in 1989, the structures of the savings bank system in the five new federal states were adapted to those of the old Federal Republic. The range of the Sparkassen-SchulService was thus also offered in the new federal states via the local savings banks. For example, since the school year 1990/1991 there has been the "Calendar for Teachers" in 16 country-specific editions.
The materials are deliberately kept free of advertising so that they do not violate the originally very strict advertising ban in schools. Although the media are used nationwide, they take into account the topics of the curriculum and educational plans relevant in the various federal states. There are materials from elementary school to the final classes. The main topics are dealing with money, consumer issues and career orientation.
The Sparkassen-SchulService has had a nationwide internet presence since 1997. There are also local Internet presences for SchulService at individual savings banks.
Meaning / quantity
The range of Sparkassen-SchulService includes almost 100 different titles (April 2018). In addition to classic publishing house products and teaching media (worksheets and brochures), there are electronic media as well as two nationwide internet-based simulation games for schoolchildren: the stock exchange simulation game and the German start-up prize for schoolchildren. The Sparkassen-SchulService reaches around 200,000 teachers every year.
The stock exchange simulation game has existed since 1983 as a nationwide stock exchange simulation game for schoolchildren (since 1999 also with playgroups from other European countries, since 2011 with playgroups in Mexico). By the end of 2017, over 1.3 million playgroups had taken part in the stock market simulation game. Around 35,000 playgroups took part in the 2017 round. Across Europe, there are a total of over 120,000 participants in various competitions.
The German Founder Award for Schoolchildren is an offshoot of the German Founder Award. The school game for setting up a company has been around since 1999 - at that time it was still called the founding workshop, since 2002 as a start-up workshop, and since 2007 under the current name. Every year - according to the self-presentation on the website - around 5,000 schoolchildren take part in this simulation game.
In 2009 the Sparkassen-SchulService reached three out of four general education schools in Germany. The savings banks invested around EUR 4 million in the savings bank school service.
In 2016, 22 million euros (previous year: 21 million euros) flowed into projects in the fields of research, business and science funding.
Individual products from the Sparkassen-SchulService have been recognized by UNESCO as part of the “ Education for Sustainable Development ” decade of education - including the stock exchange simulation game (award in November 2010). In the summer of 2012, the entire Sparkassen-SchulService was included as an official measure by the German UNESCO Commission in the catalog of measures of the National Action Plan of the UN Decade of Education for Sustainable Development.
At the turn of the year 2013/2014, the Sparkassen-SchulService published "mission: decision", a free app for mobile devices for the first time. The app is aimed at schoolchildren and thematizes the (sometimes irrational) decision-making behavior of consumers in a playful way. The behavioral economists Ewald Mittelstädt and Claudia Wiepcke are responsible for the content of the app.
Sparkassen-SchulService has been operating the online platform "fibibox" since August 2017. Teaching materials on financial education are presented here. The materials can be accessed via codes in the student and teacher's booklet.
literature
- Anger, Karla: "25 years of Sparkassen-SchulService", in Wirtschaftsspiegel No. 2/2000, Deutscher Sparkassen Verlag GmbH, Stuttgart 2000.
- Trende, Adolf: History of the German savings banks up to the beginning of the 20th century, Deutsche Sparkassen Verlag GmbH, Stuttgart 1993.
- German Savings Banks and Giro Association: Financial Report 2009, Berlin 2010.
- German Savings Banks and Giro Association: Report to Society 2013, Berlin 2014.
Individual evidence
- ^ Anger, Karla: 25 years of Sparkassen-SchulServicve. In Wirtschaftsspiegel No. 2/2000, Deutscher Sparkassen Verlag GmbH, Stuttgart 2000, p. 3.
- ^ Trende, Adolf: History of the German savings banks up to the beginning of the 20th century, Deutsche Sparkassen Verlag GmbH, Stuttgart 1993, p. 383
- ↑ Quoted from Trende, Adolf: History of the German savings banks up to the beginning of the 20th century, Deutsche Sparkassen Verlag GmbH, Stuttgart 1993, p. 374
- ↑ Anger, Karla: "25 years of Sparkassen-SchulServicve", in Wirtschaftsspiegel No. 2/2000, Deutscher Sparkassen Verlag GmbH, Stuttgart 2000, p. 4f
- ↑ German Savings Banks and Giro Association: Report to the Society 2013, Berlin 2014, p. 12
- ↑ German Savings Banks and Giro Association: Report to the Society 2013, Berlin 2014, p. 12
- ↑ German Savings Banks and Giro Association, Financial Report 2009, Berlin 2010, p. 37.
- ↑ Deutscher Sparkassen- und Giroverband (Ed.): Financial Report 2016 .
- ↑ https://www.fibibox.de/