Co-funded by the Erasmus+ Programme of the European Union Project No.: 2024-1-PL01-KA220-YOU-000251498
GAMEY Project: Gamified Approach to Money Education for Youth
MODULE 3: Financial Ethics and Social Responsibility
Let's go!
Agenda
- Module’s goals
- What will you learn
- Ethical Finance
- Exploring alternative forms of ethical investment
- Some data on B-Corp companies
- Principles of Ethical Finance
- Everyday ethical finance – daily choices and your impact
- Negative and Positive aspects of ethical finance
- Conclusions
Continue
Module's Objective
This module helps you understand how money and values go together. You’ll explore how your financial choices – even small ones – can support fairness, sustainability, community, and honesty. By the end, you’ll be ready to use money not just to grow it, but to make a positive difference for yourself, others, and the planet.
Continue
What will you learn?
Knowledge:
- Understand what ethical finance is and why it matters.
- Recognise the key principles of ethical finance (Transparency, Sustainability, Participation, Responsibility).
- Discover different forms of ethical investment, including real-world examples (e.g., B-Corps).
Continue
What will you learn?
Attitudes:
- Develop curiosity and critical thinking about financial choices.
- Appreciate that money can be a tool for good, not just profit.
- Feel empowered to align personal values with how you spend, save, and invest.
Continue
What will you learn?
Skills:
- Analyse everyday financial decisions through an ethical lens (e.g., buying, saving, investing).
- Compare and evaluate investment options using ethical criteria.
- Make a personal plan (pledge) to take an ethical finance action in your own life.
Continue
Ethical Finance
Continue
Continue
Ethical finance is the practice of managing money in ways that respect human rights, social justice, and environmental sustainability, ensuring that financial decisions create shared value rather than purely private profit.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Environmental sustainability
Shared value
Human rights
Social justice
Title
Rights that every person has, simply for being human — to live with freedom, equality, and dignity
Creating economic success and social progress together — profit that also improves people’s lives and the planet.
A fair society where everyone has the same chances and respect, and inequalities are reduced.
Living and producing in ways that protect nature and the future — using resources without destroying them.
Write a brief description here
Continue
The Ethical Finance Compass
Responsibility
Transparency
Sustainability
Participation
Continue
Continue
Continue
Continue
Continue
Continue
Nice work!
You’ve calibrated your Ethical Finance Compass — now you’re ready to see how to apply these principles in real-life decisions.”
Next Mission: Four Ways to Approach Ethical Finance
Continue
Rob’s Dilemma: Which Path Would You Choose?
Hey again, it’s Rob! Lately, I’ve been thinking a lot about how to make my money choices match my values. I discovered that there are different ways to put ethical finance into practice — depending on what matters most to you. Let’s explore them together — maybe you’ll recognize yourself in one of these paths!
Continue
Rob just won a €2,000 student entrepreneurship prize for his eco-app idea. Now he’s wondering how to use the money wisely. His parents say, “Save it.” His friends say, “Invest and grow it fast!” But Rob wants his money to do more — to make a positive difference.
Each path leads to a different kind of future, which one will I choose?
Continue
Path A
Rob decides to invest his money. While searching online, he discovers Triodos Bank, a platform that believes in full transparency. For every euro he invests, Rob can see where it goes, who it supports, and what kind of impact it creates — from green-energy projects to social enterprises. Nothing is hidden. Reports are public, and every project is traceable. It might not make his money grow fast, but Rob feels confident knowing that his investment is open, honest, and doing good.
Continue
Path B
Rob decides to invest in sustainable projects. Through platforms like EthicHub or Energise Africa, his money could support renewable energy, recycling, or green tech startups that protect the planet. These projects aim to create long-term environmental impact, not just profit. Returns might take longer, but every euro works toward a cleaner future. Rob likes the idea of his investment growing together with the planet.
Continue
Path C
Rob decides to join a community cooperative or a crowdfunding project where people pool their money to support local ideas — like solar panels for a school, a social bakery, or a youth startup. Everyone invests together, shares decisions, and votes on how profits are used. It’s more democratic and social — every voice counts. Rob likes the sense of belonging, even if the rewards are smaller. He realises that finance can be about connection and collaboration, not just numbers.
Continue
Your turn
Rob has explored three different ways to invest his €2,000: 🌐 Path A — The Transparent Investor: Know exactly where your money goes. 🌱 Path B — The Sustainable Investor: Help the planet while your money grows. 🤝 Path C — The Participatory Investor: Join others to make a shared impact. Each path offers a different balance between profit, purpose, and people. Now it’s time for Rob — and for you — to decide which path feels right.
Continue
Exploring alternative forms of ethical investment
Continue
Continue
DEFINITION OF ETHICAL INVESTMENT
Ethical investment means using your money to earn a return while also supporting values you believe in — such as fairness, sustainability, and respect for people and the planet.
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Some important definition
ESG
Ethical finance
Crowdfunding or (collective financing
Greenwashing
B-Corp
Ethical finance invests only in activities that are useful to society and does not finance harmful sectors such as weapons, pollution or exploitation of labour. ex clean energy, sustainable agriculture, social enterprises
ESG (Environment, Social, Governance) is an acronym to understand how responsibly a company behaves towards the environment, people and regulations.
is when a company pretends to be eco-friendly, but really isn’t. It uses ads or "green" slogans just to look sustainable, while it keeps polluting or harming the environment.
It an acronym of Benefit Corporate and it is a special certification awarded to companies that comply with the rules on sustainability, transparency, and responsibility.
It is is a way to raise money from many people, through the internet, to bring a project to life (like an idea, a product, a film, or a business).
Continue
Types of responsable investment
Responsible and ethical investing (also known as sustainable investing or ESG investing) refers to investment strategies that, in addition to seeking financial returns, also consider Environmental, Social, and Governance (ESG) criteria.
Continue
Some data on B-Corp companies: companies that contribute to the common good and can be identified as ethical investment companies.
327 B-Corps
In Italy, there are 327 certified B Corps as of 2024
2 K B-Corps
In 2023, in Europe (excluding the UK), the B Corp community grew by 42%, with 484 new certified companies in 29 countries. Also in 2023, the total number of B Corps in continental Europe was expected to reach around 2,000 companies
Continue
Everyday Ethical Finance
Continue
Because finance isn’t just for bankers — it’s for everyone.
Ethical finance doesn’t only happen in banks or big companies. It starts with the small decisions we all make every day — how we earn, spend, save, and share money. Every choice sends a message about what we believe in.
Continue
Daily Choices
🚀 Starting a Small Business
👕 Buying clothes
💳 Using a Bank App
📱 Buying New Tech
🎁 Donating to a Cause
🏦 Saving Money
Continue
The right approach to Ethical Finance
tell the public about the results achieved
to achieve the goal that best balances the need for profit with the common good
publicize the ethical goals of the target market as much as possible
choose the project idea closest to the principles of ethical finance
Continue
Negative and Positive aspects of ethical finance
Continue
- Environmental and social sustainability
- Social responsibility
- Transparency and integrity
- Support for the real economy
- Greater investor awareness
- Potentially lower returns
- Limitations in diversification
- Lack of standardized definitions and criteria
- Greater complexity in evaluation
- Greenwashing and risks of misleading marketing
Continue
'Ethical Finance: Invest Well, Live Better'
Continue
Wrap-Up – What Did We Learn?
Continue
Conclusions:
Throughout this module, we followed Rob’s story and discovered that money always carries meaning — every euro can support fairness, sustainability, and community. We learned that: 💡 Ethical finance is about balancing profit with purpose. 🧭 The four principles — Transparency, Sustainability, Participation, Responsibility — guide financial decisions that respect people and the planet. 🏦 There are different forms of ethical investment, from green funds to cooperative banking.
👟 Even our everyday choices — what we buy, where we save, and how we share — can reflect our values.⚖️ Ethical finance has advantages and challenges, but it helps us think critically and act responsibly.
Continue
Resources
- Growth of digital platforms and business models: Digital labour platforms in the EU are numerous (516 active + 74 inactive) and operate across multiple models (microtasks, professional services, delivery, transport, home services). These models vary not just by service type but also in how the algorithm is managed, how remuneration is structured, and the relationship with workers.
- Opportunities and risks for workers: Digital platforms offer flexibility and greater access to work for groups marginalized in traditional labor markets (youth, persons with disabilities, etc.). However, many workers are classified as “self‑employed” and thus lack protections (insurance, pension, paid leave). Algorithms can enforce rigid conditions, and income is often unstable.
- Regulatory framework and European initiatives: The EU has adopted (or is in the process of adopting) a directive clarifying platform workers’ status, enhancing transparency in algorithmic decisions, and protecting personal data. The European Parliament and the Council reached a provisional agreement on these rules in December 2023.
- Financial education, inclusion, and investments: Publications by the EU and OECD emphasize the importance of financial literacy to improve economic inclusion, especially for young people, making them more aware of supplementary income opportunities and investments. Guides like the ECB’s for EU citizens and ESMA regulations on peer‑to‑peer lending help orient investors and mitigate risks in digital markets.
- Critical role of institutional and international regulatory relations: The ILO is developing global standards for platform work (e.g. “decent work”) to protect the rights of gig economy workers. Issues related to employment rights, contract classification, and social protection are central to international debates, aiming to reconcile innovation, growth, and workers’ rights.
Continue
Co-funded by the Erasmus+ Programme of the European Union Project No.: 2024-1-PL01-KA220-YOU-000251498
Thank you!
Start
Transparency
Banks use the money you deposit to fund companies and projects — good or bad. Being an ethical saver means knowing what your bank supports. 🔹 Try this: Visit your bank’s website or app and find the Sustainability section. 🔹 Look for: Green loans, renewable energy projects, or social initiatives..
Responsibility
Using money consciously and ethically, aware that every financial decision has consequences for people and the planet. Ethical finance takes accountability seriously, avoiding harm and promoting fairness, equality, and positive impact. It’s about doing the right thing, even when it’s not the easiest or most profitable choice. 💬 Example: Choosing to fund social enterprises or fair-trade projects that support communities and respect human rights.
Sustainability
Technology connects us, but its production often harms the planet. Ethical consumers reduce waste and choose responsible brands. 🔹 Try this: Before upgrading, check repair or trade-in options. 🔹 Research: Does the company recycle, pay workers fairly, and avoid conflict minerals?
Transparency / Sustainability
When you save, your money doesn’t sleep — it works somewhere. Ethical saving means letting your money grow in ways that help others, too. 🔹 Explore: Ethical banks such as Triodos Bank or Banca Etica. 🔹 Ask: Does your savings account fund renewable energy or social projects?
Participation
Giving everyone a voice in financial decisions that affect their lives and communities. Ethical finance encourages shared responsibility and collaboration between investors, organizations, and citizens. It’s about inclusion and empowerment — finance that works with people, not just for them. 💬 Example: A community cooperative where local members decide how to invest shared funds for social or environmental impact.
Transparency
Being open and honest about how money is used. Ethical finance clearly shows where funds come from, where they go, and what impact they have. It’s about trust and accountability — no hidden costs, no secret deals. Transparency lets everyone make informed choices and see how finance affects people and the planet. 💬 Example: A transparent bank publishes clear reports on how it invests your savings — in renewable energy, social housing, or local cooperatives..
Responsibility
Giving money feels good, but real impact comes when donations are used well. Ethical donors choose organisations that are transparent and accountable. 🔹 Try this: Check a charity on Charity Navigator or GiveWell. 🔹 Look for: Public reports, fair salaries, and clear evidence of results.
Sustainability
Check how and where they’re made. Prefer fair-trade, local, or second-hand options. Use these tools to explore how fashion brands treat people and the planet: 🔹 Good On You: — rates brands on ethics and sustainability. 🔹 Fashion Checker — shows how transparent brands are about workers’ pay and production.
Sustainability
Using money in ways that protect the planet and future generations. Ethical finance supports activities that reduce pollution, save energy, and care for natural resources. It’s about creating long-term value — making sure today’s profit doesn’t harm tomorrow’s world. 💬 Example: Investing in solar energy, organic farming, or green technologies that make both the economy and the environment thrive.
Responsibility
Entrepreneurship is exciting — and powerful. Ethical business means success that respects people, communities, and the environment. 🔹 Think about: Fair pay, safe conditions, eco-friendly materials, and inclusion. 🔹 Learn from: Certified B Corporations that mix profit with purpose.
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Transcript
Co-funded by the Erasmus+ Programme of the European Union Project No.: 2024-1-PL01-KA220-YOU-000251498
GAMEY Project: Gamified Approach to Money Education for Youth
MODULE 3: Financial Ethics and Social Responsibility
Let's go!
Agenda
Continue
Module's Objective
This module helps you understand how money and values go together. You’ll explore how your financial choices – even small ones – can support fairness, sustainability, community, and honesty. By the end, you’ll be ready to use money not just to grow it, but to make a positive difference for yourself, others, and the planet.
Continue
What will you learn?
Knowledge:
Continue
What will you learn?
Attitudes:
Continue
What will you learn?
Skills:
Continue
Ethical Finance
Continue
Continue
Ethical finance is the practice of managing money in ways that respect human rights, social justice, and environmental sustainability, ensuring that financial decisions create shared value rather than purely private profit.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Environmental sustainability
Shared value
Human rights
Social justice
Title
Rights that every person has, simply for being human — to live with freedom, equality, and dignity
Creating economic success and social progress together — profit that also improves people’s lives and the planet.
A fair society where everyone has the same chances and respect, and inequalities are reduced.
Living and producing in ways that protect nature and the future — using resources without destroying them.
Write a brief description here
Continue
The Ethical Finance Compass
Responsibility
Transparency
Sustainability
Participation
Continue
Continue
Continue
Continue
Continue
Continue
Nice work!
You’ve calibrated your Ethical Finance Compass — now you’re ready to see how to apply these principles in real-life decisions.”
Next Mission: Four Ways to Approach Ethical Finance
Continue
Rob’s Dilemma: Which Path Would You Choose?
Hey again, it’s Rob! Lately, I’ve been thinking a lot about how to make my money choices match my values. I discovered that there are different ways to put ethical finance into practice — depending on what matters most to you. Let’s explore them together — maybe you’ll recognize yourself in one of these paths!
Continue
Rob just won a €2,000 student entrepreneurship prize for his eco-app idea. Now he’s wondering how to use the money wisely. His parents say, “Save it.” His friends say, “Invest and grow it fast!” But Rob wants his money to do more — to make a positive difference.
Each path leads to a different kind of future, which one will I choose?
Continue
Path A
Rob decides to invest his money. While searching online, he discovers Triodos Bank, a platform that believes in full transparency. For every euro he invests, Rob can see where it goes, who it supports, and what kind of impact it creates — from green-energy projects to social enterprises. Nothing is hidden. Reports are public, and every project is traceable. It might not make his money grow fast, but Rob feels confident knowing that his investment is open, honest, and doing good.
Continue
Path B
Rob decides to invest in sustainable projects. Through platforms like EthicHub or Energise Africa, his money could support renewable energy, recycling, or green tech startups that protect the planet. These projects aim to create long-term environmental impact, not just profit. Returns might take longer, but every euro works toward a cleaner future. Rob likes the idea of his investment growing together with the planet.
Continue
Path C
Rob decides to join a community cooperative or a crowdfunding project where people pool their money to support local ideas — like solar panels for a school, a social bakery, or a youth startup. Everyone invests together, shares decisions, and votes on how profits are used. It’s more democratic and social — every voice counts. Rob likes the sense of belonging, even if the rewards are smaller. He realises that finance can be about connection and collaboration, not just numbers.
Continue
Your turn
Rob has explored three different ways to invest his €2,000: 🌐 Path A — The Transparent Investor: Know exactly where your money goes. 🌱 Path B — The Sustainable Investor: Help the planet while your money grows. 🤝 Path C — The Participatory Investor: Join others to make a shared impact. Each path offers a different balance between profit, purpose, and people. Now it’s time for Rob — and for you — to decide which path feels right.
Continue
Exploring alternative forms of ethical investment
Continue
Continue
DEFINITION OF ETHICAL INVESTMENT
Ethical investment means using your money to earn a return while also supporting values you believe in — such as fairness, sustainability, and respect for people and the planet.
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Profit or Purpose? – Exploring Investment Choices
🌍 Ethical Investment
💸 Traditional Investment
Continue
Some important definition
ESG
Ethical finance
Crowdfunding or (collective financing
Greenwashing
B-Corp
Ethical finance invests only in activities that are useful to society and does not finance harmful sectors such as weapons, pollution or exploitation of labour. ex clean energy, sustainable agriculture, social enterprises
ESG (Environment, Social, Governance) is an acronym to understand how responsibly a company behaves towards the environment, people and regulations.
is when a company pretends to be eco-friendly, but really isn’t. It uses ads or "green" slogans just to look sustainable, while it keeps polluting or harming the environment.
It an acronym of Benefit Corporate and it is a special certification awarded to companies that comply with the rules on sustainability, transparency, and responsibility.
It is is a way to raise money from many people, through the internet, to bring a project to life (like an idea, a product, a film, or a business).
Continue
Types of responsable investment
Responsible and ethical investing (also known as sustainable investing or ESG investing) refers to investment strategies that, in addition to seeking financial returns, also consider Environmental, Social, and Governance (ESG) criteria.
Continue
Some data on B-Corp companies: companies that contribute to the common good and can be identified as ethical investment companies.
327 B-Corps
In Italy, there are 327 certified B Corps as of 2024
2 K B-Corps
In 2023, in Europe (excluding the UK), the B Corp community grew by 42%, with 484 new certified companies in 29 countries. Also in 2023, the total number of B Corps in continental Europe was expected to reach around 2,000 companies
Continue
Everyday Ethical Finance
Continue
Because finance isn’t just for bankers — it’s for everyone.
Ethical finance doesn’t only happen in banks or big companies. It starts with the small decisions we all make every day — how we earn, spend, save, and share money. Every choice sends a message about what we believe in.
Continue
Daily Choices
🚀 Starting a Small Business
👕 Buying clothes
💳 Using a Bank App
📱 Buying New Tech
🎁 Donating to a Cause
🏦 Saving Money
Continue
The right approach to Ethical Finance
tell the public about the results achieved
to achieve the goal that best balances the need for profit with the common good
publicize the ethical goals of the target market as much as possible
choose the project idea closest to the principles of ethical finance
Continue
Negative and Positive aspects of ethical finance
Continue
Continue
'Ethical Finance: Invest Well, Live Better'
Continue
Wrap-Up – What Did We Learn?
Continue
Conclusions:
Throughout this module, we followed Rob’s story and discovered that money always carries meaning — every euro can support fairness, sustainability, and community. We learned that: 💡 Ethical finance is about balancing profit with purpose. 🧭 The four principles — Transparency, Sustainability, Participation, Responsibility — guide financial decisions that respect people and the planet. 🏦 There are different forms of ethical investment, from green funds to cooperative banking.
👟 Even our everyday choices — what we buy, where we save, and how we share — can reflect our values.⚖️ Ethical finance has advantages and challenges, but it helps us think critically and act responsibly.
Continue
Resources
Continue
Co-funded by the Erasmus+ Programme of the European Union Project No.: 2024-1-PL01-KA220-YOU-000251498
Thank you!
Start
Transparency
Banks use the money you deposit to fund companies and projects — good or bad. Being an ethical saver means knowing what your bank supports. 🔹 Try this: Visit your bank’s website or app and find the Sustainability section. 🔹 Look for: Green loans, renewable energy projects, or social initiatives..
Responsibility
Using money consciously and ethically, aware that every financial decision has consequences for people and the planet. Ethical finance takes accountability seriously, avoiding harm and promoting fairness, equality, and positive impact. It’s about doing the right thing, even when it’s not the easiest or most profitable choice. 💬 Example: Choosing to fund social enterprises or fair-trade projects that support communities and respect human rights.
Sustainability
Technology connects us, but its production often harms the planet. Ethical consumers reduce waste and choose responsible brands. 🔹 Try this: Before upgrading, check repair or trade-in options. 🔹 Research: Does the company recycle, pay workers fairly, and avoid conflict minerals?
Transparency / Sustainability
When you save, your money doesn’t sleep — it works somewhere. Ethical saving means letting your money grow in ways that help others, too. 🔹 Explore: Ethical banks such as Triodos Bank or Banca Etica. 🔹 Ask: Does your savings account fund renewable energy or social projects?
Participation
Giving everyone a voice in financial decisions that affect their lives and communities. Ethical finance encourages shared responsibility and collaboration between investors, organizations, and citizens. It’s about inclusion and empowerment — finance that works with people, not just for them. 💬 Example: A community cooperative where local members decide how to invest shared funds for social or environmental impact.
Transparency
Being open and honest about how money is used. Ethical finance clearly shows where funds come from, where they go, and what impact they have. It’s about trust and accountability — no hidden costs, no secret deals. Transparency lets everyone make informed choices and see how finance affects people and the planet. 💬 Example: A transparent bank publishes clear reports on how it invests your savings — in renewable energy, social housing, or local cooperatives..
Responsibility
Giving money feels good, but real impact comes when donations are used well. Ethical donors choose organisations that are transparent and accountable. 🔹 Try this: Check a charity on Charity Navigator or GiveWell. 🔹 Look for: Public reports, fair salaries, and clear evidence of results.
Sustainability
Check how and where they’re made. Prefer fair-trade, local, or second-hand options. Use these tools to explore how fashion brands treat people and the planet: 🔹 Good On You: — rates brands on ethics and sustainability. 🔹 Fashion Checker — shows how transparent brands are about workers’ pay and production.
Sustainability
Using money in ways that protect the planet and future generations. Ethical finance supports activities that reduce pollution, save energy, and care for natural resources. It’s about creating long-term value — making sure today’s profit doesn’t harm tomorrow’s world. 💬 Example: Investing in solar energy, organic farming, or green technologies that make both the economy and the environment thrive.
Responsibility
Entrepreneurship is exciting — and powerful. Ethical business means success that respects people, communities, and the environment. 🔹 Think about: Fair pay, safe conditions, eco-friendly materials, and inclusion. 🔹 Learn from: Certified B Corporations that mix profit with purpose.