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Klub Ujuzi

place Kenya + 1 more

Financial Education and Stewardship for Young Learners in Rural Kenya Primary Schools

Klub Ujuzi ("Skill" in Swahili) empowers youth ages 10-14 with crucial financial literacy and life skills. Using a table banking approach, members learn financial discipline. Through hands-on agricultural activities like organic farming, apiculture, and animal husbandry, they gain practical skills, improving their future livelihood, mental health, and wellbeing.

Overview

Information on this page is provided by the innovator and has not been evaluated by HundrED.

Updated November 2025
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Students basic
Target group
The innovation aims for improved academic performance (35% improvement, 0-15% reduced retention challenges), increased youth self-worth, confidence, and engagement in income generating activities 65%. It also seeks to boost mental health awareness and basic financial literacy among 75% of members, and ensure 100% knowledge transfer to younger learners and new schools, fostering holistic wellbeing.

About the innovation

Why did you create this innovation?

The Klub Ujuzi innovation was created to address critical issues and gaps within the Kenyan education system and rural communities. Despite progress in expanding primary education access, actual literacy and numeracy outcomes remain deficient. This deficiency is partly from a lack of support for essential life skills promoting livelihood, mental health, and learners' overall well-being.

Furthermore, schools along the Tsavo landscape face persistent challenges: hunger, poor attendance, and low classroom retention. These issues are linked to learners' backgrounds, poverty, drought, a lack of parental support, and no adult support for orphans or children in child-led homes. Many students attend school hungry, which adversely affects their academic performance and access to quality education. The prolonged pandemic exacerbated these problems, leading to an increase in pre-teen and teenage pregnancies in rural schools, causing many learners to drop out.

Another key driver is the observed deficit in core life skills among children and the lack of proper tools for parents to teach financial literacy. The program aims to provide lasting solutions by offering comprehensive training in life skills, financial literacy, entrepreneurship, and mental health and well-being. Another gap identified was the near-total absence of financial literacy education in primary schools, despite the prevalence of community practices like table banking, which indicates a readiness for such knowledge.

What does your innovation look like in practice?

Klub Ujuzi targets 10-14-year-olds in rural Kenyan primary schools, extending to youth aged 10-24. It teaches financial literacy (savings, credit, investing) through income-generating activities and life skills via agricultural practices like organic farming, beekeeping, and animal husbandry. The program fosters entrepreneurship by having learners use local resources to build things like chicken coops. Produce from these projects helps with school feeding program and learners school retention. Mental health and well-being are prioritized through safe spaces and peer support. Teachers and alumni are trained as mentors and facilitators for sustainability. Community engagement is crucial, with members, parents, and youth involved in all stages. Technology is integrated for financial tracking and learning, and schools serve as community hubs for various activities. The program is aligned with the existing education curriculum.

How has it been spreading?

The Klub Ujuzi innovation has been actively spreading, and after four years, it is now implemented in three schools. Additionally, an adult focus group training, based on the club, has been designed this year, involving parents from three schools. The aim of this training is to create "Train the Trainer" (T3) participants from these parents, who can then scale the model in other schools and further increase its reach.

Elimu Fanaka's broader strategy for scalability includes introducing Klub Ujuzi into the Kenyan education curriculum in the future and engaging strategic partners from both the private and public sectors. This involves establishing robust T3 programs to recruit and train new members, and creating community-based mental health and well-being hubs within partner schools. They also work closely with government ministries, school administrations, teachers, parents, and youth groups to build valuable partnerships for continued growth and expansion. All Elimu Fanaka programs are designed for easy replication and adaptation to diverse cultural norms, making Klub Ujuzi a model that can be replicated globally due to its adaptable financial model and mental health content for young people.

How have you modified or added to your innovation?

We have expanded our innovation by designing an adult focus group training, based on the Klub Ujuzi club, which currently involves parents from three schools. The primary goal of this initiative is to empower these parents as "Train the Trainer" (T3) participants, enabling them to further scale the model in other schools and broaden its reach within the community.

If I want to try it, what should I do?

To establish Klub Ujuzi in your county, schools, and community, begin by understanding its core concept: a financial literacy club for 10-14-year-olds in rural primary schools. The club focuses on table banking, life skills through agricultural activities such as organic farming using sunken beds for arid areas, animal husbandry, and overall well-being. Designed for easy global replication, the program offers adaptable content for financial literacy and mental health, which can be tailored to local cultures. Key strategies for scaling include a robust Train the Trainer model for teachers and alumni, creating school-based mental health hubs, and building partnerships with government, school administrations, parents, and youth groups. The program prioritizes stakeholder and community engagement, with learners electing a project management committee. When implementing, consider potential challenges such as slow recruitment of older youth, different learning speeds in training, security issues like human-wildlife conflict, financial risks, vandalism, agricultural threats, low morale, and limited parental support. Address these through targeted solutions such as solar electric fences, Paybill payment systems for easy tracking, agricultural officer training, mentorship, and parental sensitization.

Implementation steps

1. Prepare & plan (before visits)
Create a one-page Klub Ujuzi brief for school administrators and parents (purpose, options: organic farming / beekeeping / animal husbandry, expected time, resources, benefits).
Prepare a simple project selection toolkit (project overview, rough budget, space/inputs needed, safety notes).
Prepare learner registration & consent forms (name, age/class, parent contact, any allergies/health issues).
Draft a tentative calendar tied to the school term showing weekly session slots and number of session
2. Introduce the concept to school leadership
Meet the headteacher and relevant department heads. Present the one-page brief and selection toolkit.
Agree roles (school patron, space allocation, supervision hours, storage, petty cash custody).
Confirm preferred project option(s) and available school land/rooms.
Sign a short Memorandum of Understanding (MOU) outlining responsibilities and frequency of external specialist visits.
3. Present to parents (participatory selection)
Attend the school parents’ meeting. Run a short, interactive presentation that:
Explains benefits for learners (skills, food, income, entrepreneurship)
Shows simple resource needs and safety measures
Facilitates a participatory vote or consensus on which project(s) to run
Invite interested parents to form a support team (volunteer roster—roles: logistics, inputs, transport, fundraising).
Collect parental consent forms for enrolled learners.
4. Recruit learners & appoint school patron
Run a learners’ introduction session: explain the project, expected commitment, basic safety.
Register interested learners using the registration form. Cap cohort size if needed based on space/resources.
Appointment: the school patron (teacher) is formally assigned; note a parent / alumni volunteer contact who will assist and be the local contact.
5. First session — orientation & project plan
Session agenda: ice-breaker; project overview; health & safety; roles and expectations; short baseline survey (skills, household practice).
Present a clear session outline: number of weeks, frequency (e.g., twice weekly theory/practice), learning outcomes, assessment and outputs (e.g., seedlings produced, hives installed, animals acquired).
Show the simple budget and resource plan; agree who supplies what (school, parents, partners).
6. Weekly routine: theory before practice
Theory: each week the group receives short, age-appropriate theory content (shared in advance with patrons and learners). This should be a 30 minute session.
Practical: each theory session links to a hands-on practical activity to apply learning (soil prep, planting, hive inspection, feeding schedule, record keeping). Practical sessions should follow the same topic and be done within the week.
An external specialist or team member visits the school regularly (e.g., weekly/biweekly) to co-deliver
7. Financial literacy & table banking (10 weeks)
10-week financial literacy curriculum covering: basic budgeting, saving, pricing, profit/loss, record keeping, value addition.
Establish table banking groups among learners (and optionally parent volunteers). Teach the 50/30/20 split:
50%: reinvest in the project or savings for inputs
30%: members’ personal savings / emergency fund
20%: social fund (group activities, small shared expenses, celebration)
Keep transparent records: a simple cashbook and attendance ledger signed by a parent.
8. Follow-up, mentoring & monitoring
Do regular field follow-ups (patron + specialist + parent volunteer): check practice on the ground, troubleshoot pests/diseases, check animal welfare or hive health.
Use short M&E tools: weekly attendance, practical outputs (seedlings planted, hives inspected), finance log, and quarterly learner skills assessment.
Encourage learners to replicate practices at home; log how many learners try techniques at home.
9. Harvesting, consumption & income
Once yields are sufficient: allow learners and school to consume produce first (improved nutrition).
Sell surplus produce; record sales and allocate proceeds according to the table banking rules (50/30/20) or a previously agreed split between school inputs, community fund, and learners.
Teach value addition (drying, packaging, simple branding) before sale to increase income.
10. Replication & impact follow-up
Encourage learners to replicate at home — give a simple “home mini-kit” checklist and a replication log (what they tried, results).
Conduct follow-up visits (1–3 months after start and at harvest) to measure impact at school and home: yields, dietary change, income, skills adoption.
Hold a school exhibition / celebration where learners present what they produced and learned; invite parents and local stakeholders. Use this for mobilising further support.
Safety, roles & brief checklist
Safety: PPE for practical sessions, clear rules around tools/animals/hives, first-aid kit on site, parental consent for field work.
Roles & responsibilities:
Patron (teacher): daily supervision, records, liaison with school administration.
Parent volunteers / alumni: logistics, transport, supervision support.
Specialist / project team: technical training, M&E, supply of starter inputs (if agreed).
Learners: participate, keep personal logbooks, attend table banking.
Quick start checklist:
-signed admin MOU
-parents’ meeting & vote
-patron appointed
-learners registered & consent
-weekly schedule
-starter inputs ordered
-table banking rules established

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