International Journal of Social Science & Economic Research
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April Ann M. Curugan , Abdul Halim Masnan , Norlia Binti Mat Norwani

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April Ann M. Curugan1 , Abdul Halim Masnan2 , Norlia Binti Mat Norwani3
1. Faculty of Education Sciences, Philippine Normal University, Philippines 1000
2. Faculty of Human Development, Universiti Pendidikan Sultan Idris, 35900 Tanjong Malim, Perak, Malaysia
3. Faculty of Management and Economics, Universiti Pendidikan Sultan Idris, 35900 Tanjong Malim, Perak, Malaysia

Curugan, April Ann M., et al. "EFFECT OF KWARTALINO FINANCIAL EDUCATION PROGRAM ON KINDERGARTEN LEARNERS' FINANCIAL KNOWLEDGE." Int. j. of Social Science and Economic Research, vol. 4, no. 4, Apr. 2019, pp. 3144-3164, Accessed Apr. 2019.
Curugan, A., Masnan, A., & Norwani, N. (2019, April). EFFECT OF KWARTALINO FINANCIAL EDUCATION PROGRAM ON KINDERGARTEN LEARNERS' FINANCIAL KNOWLEDGE. Int. j. of Social Science and Economic Research, 4(4), 3144-3164. Retrieved from
Curugan, April Ann M., Abdul Halim Masnan, and Norlia Binti Mat Norwani. "EFFECT OF KWARTALINO FINANCIAL EDUCATION PROGRAM ON KINDERGARTEN LEARNERS' FINANCIAL KNOWLEDGE." Int. j. of Social Science and Economic Research 4, no. 4 (April 2019), 3144-3164. Accessed April, 2019.


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Over the past few years, there is an increasing demand to include financial education in schools and to start even among the youngest learners. This study examines the effect of Kwartalino Financial Education Program on the financial knowledge of kindergarten learners. The Kwartalino Financial Education Program was specifically designed for kindergarten learners. It has a number of special features such as 1) internationally benchmarked financial lessons and contents; 2) developmentally appropriate instructional materials; 3) varied hands-on and experiential learning activities; and 4) parent involvement. Using a quasi-experimental with preand post-test design with control and experimental group, the study examines quantitative data to analyze the effect of the program on learners' financial knowledge. The researcher developed a 40-item financial knowledge test which was used for pre-and post-test of kindergarten learners. The financial education program was implemented during the second quarter of the school year 2017 -2018 from August to October. Kindergarten learners who participated in the Kwartalino financial education program scored significantly higher than the control group in the financial knowledge test. Results of the study supports the idea that young children can learn money lessons when they are exposed to developmentally appropriate financial education program. Thus, the use of Kwartalino financial education program in the kinder level is recommended to integrate financial lessons which can help young learners develop their financial literacy.