JA Ghana Strengthens Financial Literacy Education in Tema West

A young student’s first lesson about money can shape how they earn, save, spend, donate and make financial decisions later in life. Recognising the importance of starting these conversations early, Junior Achievement Ghana (JA Ghana) has engaged teachers in the Tema West Municipality to strengthen the delivery of financial literacy education to young students.

Ahead of the reopening of schools, 76 teachers from 25 schools and 22 Ghana Education Service (GES) officers participated in a Cha-Ching teacher training organised by JA Ghana. The session focused on preparing educators to introduce primary school students to practical financial concepts through age-appropriate learning.

The training is part of JA Ghana's broader commitment to equipping young people with the knowledge, skills and mindset needed to navigate an increasingly complex economic environment.

Financial literacy is often associated with adults’ budgets, savings, investments and financial planning. Yet the habits that influence these decisions can begin much earlier.

Through the Cha-Ching program, teachers are equipped to make financial education accessible to children by introducing concepts around earning, saving, spending, donating and making thoughtful choices.

Rather than treating financial literacy as an abstract concept, the program provides educators with approaches that can help learners connect financial lessons to everyday situations. This gives children an opportunity to begin developing positive attitudes towards money while they are still in school.

The Tema West training placed teachers at the centre of this financial literacy effort. With 76 teachers participating, the programme has created a network of educators who can carry financial literacy lessons beyond the training room and into their respective classrooms.

The participation of 22 GES officers also strengthened the collaboration between JA Ghana and the education sector, supporting the wider integration of practical skills into the learning environment.

For JA Ghana, investing in teachers is an important part of creating sustainable impact. The Tema West training therefore represents more than a professional development session for teachers. It is an investment in helping children understand the value of money, think critically about financial choices and develop habits that can support their future.