Financial Education

Financial skills for every stage of life

Since Zumr was founded in 2022, we have worked to widen access to financial opportunity. That is why we run programmes that help school students and employees learn financial skills they use in everyday life, and open the door to financial technology in Oman.

Students taking part in a Ruwwad Al-Mal workshop

A Zumr financial wellbeing workshop for employees

Three programmes, one goal

We design each programme around its participants, focusing on the financial questions and decisions they face in everyday life.

Ruwwad Al-Mal

From pocket money to a first project

A programme for school students aged 9 to 15, where they learn to manage their pocket money, save for a goal and turn a simple idea into a small project.

editions delivered: 12
students trained: 1,100+
governorates: 4
years old: 9–15

How do students learn?

The programme is delivered in Arabic as a one-day camp, which can extend over several days. Students practise buying and selling in a simulated market, rank their spending priorities and work together on ideas for small projects.

A facilitator presenting the programme roadmap to students

What do they learn?

Every edition follows the same journey, with content adjusted to the students’ age.

1
Basic money concepts

What is money, and how do we use and manage it?
2
Earning money and entrepreneurship

How do we turn a simple idea into a project that offers something people need?
3
Financial planning, saving and banking

How do we set a budget, save for a goal and use banking services safely?
4
Spending wisely

What is opportunity cost, and how do we shop smartly?

What the programme sets out to do

Teach basic financial skills

Saving, spending and financial planning, simplified for each age.
Develop entrepreneurial thinking

Encouraging students to turn ideas into small, workable projects.
Stimulate creativity and financial innovation

Finding inventive financial solutions for school projects or free time.
Instil sound financial values

Responsibility, appreciating money and making sustainable decisions.

A student working through the Ruwwad Al-Mal booklet

A student receiving a certificate and gift bag

In partnership with the Ministry of Education

The Ministry of Education signed an agreement with Zumr to deliver Ruwwad Al-Mal to school students across Oman. The agreement brings the programme to more students, helping them build financial skills from an early age.

Aligned with Oman Vision 2040

Developing people through financial inclusion and education.
Building a financially aware society as a foundation for sustainable growth.
Encouraging entrepreneurship and responsible financial practices.

Signing the Ruwwad Al-Mal agreement with the Ministry of Education

Financial wellbeing at work

Workshops that help employees manage their money

How do I organise my monthly spending? How do I handle installments? Where do I start saving? In these workshops, employees work on questions from their own lives and learn practical ways to organise their spending and plan for their financial goals.

employees trained: 900+
workshops: 13
practical modules: 8

A participant taking notes during a financial wellbeing workshop

How do we run the workshop?

Designed around your organisation’s needs and strategic goals, with your HR team.
Delivered in Arabic and English so the content reaches every employee.
Four-hour sessions repeated in batches, so each employee attends the one that fits their schedule.
Held at your premises or a venue of your choice, for a few dozen people or several hundred.

What does the workshop cover?

Eight practical modules, each ending in something employees can apply the same week.

01Basics of personal financial management
02Budgeting and managing expenses
03Saving and building an emergency fund
04Handling commitments and debt effectively
05Planning for future financial goals
06Investment basics and managing risk
07Safe use of digital financial services
08Building a personal financial plan you can act on

What does the employee take away?

For employees

Clearer budgets, fewer financial surprises and more confidence in everyday decisions. The habits reach their families too.

For the organisation

Less financial stress means better focus, attendance and satisfaction, and a visible investment in people.

Participants discussing a budgeting exercise

A group activity during a financial wellbeing workshop

Idrak

Oman’s fintech community

Idrak is a youth initiative registered with the Ministry of Culture, Sports and Youth and founded by Zumr. It spreads knowledge about financial technology and encourages interest in financial innovation across the community.

Through Idrak we host open workshops and events with fintech experts from Oman and abroad, connecting founders, professionals and legislators around the future of the sector.

Visit Idrak's website