Nowy przedmiot o finansach i ekonomii? Mamy lepsze, wolnościowe inicjatywy

przedmiot

Brak wiedzy finansowej i ekonomicznej to kwestia bardzo aktualna wśród polskiego społeczeństwa. Nieznajomość podstawowych zagadnień dotyczących gospodarki, działalności sektora bankowego, systemu podatkowego to problem, wobec którego próbuje interweniować ministerstwo finansów.

Ostatnia propozycja MF, aby wprowadzić do szkół nowy przedmiot „finanse i ekonomia” jest warta krótkiej analizy.Eksperci alarmują o ludziach tracących majątki na rynkach Forex, polisolokatach, czy działalności piramid finansowych typu Amber Gold. Lecz zastanówmy się czy ten problem faktycznie jest skutkiem tylko i wyłącznie niewiedzy finansowo-ekonomicznej ludzi? Spójrzmy od drugiej strony – można śmiało postawić tezę, że to właśnie zagmatwany i skomplikowany system stwarza pole do wykorzystywania niewiedzy i naiwności ludzi na płaszczyźnie inwestycyjno-finansowej.

Przyczyny kryzysu wiedzy o ekonomii leżą także, jak słusznie zauważa ministerstwo finansów, w edukacji. Co znajdziemy aktualnie w programie nauk ekonomicznych w szkołach gimnazjalnych i ponadgimnazjalnych? W szkołach gimnazjalnych znajdziemy jedynie wiedzę o społeczeństwie. W szkole ponadgimnazjalnej w tym przypadku liceum, MEN podaje przedmioty z podstawy programowej.

To co nas interesuje to przedmioty mające na celu przybliżyć uczniom podstawowe informacje przydatne w ich przyszłym życiu społeczno-gospodarczym. Patrząc na wyżej wymienioną listę nasze kryteria spełniają jedynie: podstawy przedsiębiorczości oraz wiedza o społeczeństwie. Mało tego, MEN wyróżnia, że podstawy przedsiębiorczości są objęte tylko zakresem podstawowym.

Można zadać pytanie dlaczego przedmiot podstawy przedsiębiorczości jest stawiany niżej niż pozostałe przedmioty? W dzisiejszych czasach każdy uczestniczy w funkcjonowaniu gospodarki i jak to społeczeństwo robi zależy dobrobyt i rozwój danego państwa. Wiedza stricte ekonomiczna jest bardzo ważna w obecnym systemie politycznym – demokracji.

Dzięki niej rozsądnie przeglądamy opcje polityczne, które oferują w swoich programach rozmaite obietnice i programy gospodarcze. Tak samo jak uczniowi potrzebne są podstawy fizyki, której niezmienne prawa go otaczają nawet wtedy, gdy nie będzie chciał mieć z nią do czynienia w przyszłym życiu, tak samo potrzebuje podstaw ekonomii.

Wróćmy do propozycji MF, a mianowicie przedmiot: finanse i ekonomia. Pytaniem jest jak wyglądała by realizacja tego projektu.

Jak powiedział wiceminister finansów Leszek Skiba:

Nie skupiałby się on wyłącznie na przedsiębiorczości, lecz obejmował także inne praktyczne obszary np.: bankowość, budżet domowy, podatki, emerytury itp. Założeniem propozycji jest fakt, że nie każdy uczeń zostanie w przyszłości przedsiębiorcą, ale każdy będzie pracował, planował wydatki swojej rodziny, płacił podatki, miał do czynienia z bankami, instytucjami finansowymi – wyjaśnia wiceminister finansów.

Z tych słów wynika, ze minister zakłada, że uczeń nie jest przyszłym przedsiębiorcą czy uczestnikiem życia społeczno-gospodarczego a przyszłym podatnikiem i klientem banków i instytucji finansowych. Nie znajdziemy tutaj nauki o teorii ekonomii jako pochodnej ludzkiego działania, lecz wykłady o formularzach PIT oraz rozliczeniach z fiskusem. Nie spodziewajmy się, że usłyszymy na tych lekcjach nazwiska takie jak Mises, Hayek czy nawet Friedman.

Pokazywane mogą być matematyczne wykresy, które nie mają przełożenia na realną rzeczywistość. Obliczanie oprocentowania lokat jest na pewno przydatne lecz nie kluczowe w tej kwestii. Przedmiot „Finanse i ekonomia” może pomóc zdobyć podstawową wiedzę o funkcjonowaniu systemu lecz zastanówmy się czy z dobrej strony patrzymy na źródło problemu i w jaki sposób chcemy go rozwiązać.

Co zamiast „finansów i ekonomii”?

Z pewnością lepszą inicjatywą są chociażby Lekcje Ekonomii dla Młodzieży organizowane przez Stowarzyszenie KoLiber oraz Instytut Misesa. IV edycja „Lemów” zrealizowała 800 lekcji w całej Polsce. Wolontariusze chętnie uczestniczą w projekcie, a korzystają na tym uczniowie- poznają ekonomię w różny sposób – teoretycznie czy w postaci interaktywnych zabaw.

Kolejna propozycja to projekt i lektura książki pt. „Wolna przedsiębiorczość” autorstwa dr Mateusza Machaja z Instytutu Misesa. Książka skierowana jest do grona osób, które dopiero co zaczynają poznawać ekonomię. W prosty i przystępny sposób doktor pokazuje proste zależności, role instytucji i wiele innych.

Jeśli chcesz pomóc szkole w nauczaniu ekonomii możesz ufundować tzn „Ekonomiczną wyprawkę” . Obejmuje ona szkolenie nauczycieli oraz aktywizujące metody dydaktyczne, które obecnie są bardzo ograniczone przez czas. Do tego uczniowie będą mieli dostęp do platformy edukacyjnej w prosty i przejrzysty sposób.

Filmy z kanału „Prosta ekonomia”. Autorzy tego serwisu w prosty i wyczerpujący sposób doskonale tłumaczą działanie mechanizmów rynkowych, działalności banków, omawiają wydarzenia historyczne m.in takie jak kryzys lat 30 oraz kryzys 2008 roku. Zaletą jest, że możemy dowolnie wybierać temat, który nas interesuje i sami planować naszą naukę. A tutaj strona kanału Prosta Ekonomia.

Fot. mises.pl, prostaekonomia.pl, koliber.org
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