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Bangko-bangko

This is a board game with colored squares and cards in colors that match the squares (see diagram).


Figure

Purpose

The game is meant to encourage money management and it is better if players handle their own money. Let the players read the instructions and pay and count for themselves, however slowly they may do it.

Materials

· one board with colored squares

· a set each of expenses, earnings and savings card colored red, blue and green respectively

· money in denominations of P500, P100, P50, P20, P10 and P5 (this example comes from the Philippines where the currency is peso). This can be play money or slips of paper with denominations written on them

· dice and shakers

· counters - these must be of different colors, shapes etc., and could be stone, shells, etc.

· slips of paper

· pen and pencils

Suggested approach

1. Let each player throw a six to start. After each six thrown, make another throw. Each player earns P500 when they start (e.g., 3 x PI 00,2 x P50,4 x P20,1 x P90 and 2 x P5).

2. One person is in charge of the bank and has a slip of paper with each name on it. S/he is not a player.

3. The aim of the game is to save as much as possible. The winner is the player with the most savings.

4. The game can be timed. Thirty minutes is a good time, with the banker giving warnings before it ends.

5. When the player lands on a colored square, s/he picks up a card of that color and follows instructions.

Red cards - the players pay to the banker or other players as per instructions.

Blue cards - the bank or other players pay the player as per instructions.

Green cards - the player must make a deposit in her or his savings in the bank. A Bonus Card means the bank makes the deposit. If all the player's money is already deposited -ignore instructions.

Although the players are encouraged to save, they should also keep cash in the hand for immediate expenses. They may deposit and withdraw money when they wish. However, it should be pointed out that in real life, banks are not open all the time, and the player should try to judge how much they need for their payments.

Tips

· It is advisable to keep the bank's money out of reach of the players. It is very tempting to CHEAT!

· Players should be encouraged to save small amounts regularly but to keep cash in the hand for immediate expenses. An added incentive would be to stop half way through the game and give "interest" on savings, e.g., 5%, and again at the end.

The board is designed so there is no end -although there is a beginning. Each player, on reaching a junction, must decide which way is the best to go (obviously, they do not want to land on an expense square). Like life, we do not always make the right decisions. Players may not return along the same lines.

If players spend all their money, they become BANKRUPT - but (as in real life) continue playing. If they incur more expenses, their credit is recorded on their bank slip. If they do earn money, they have to pay their debts first. At the end of the game, players are given their savings to count. The banker checks this and the person with most savings is declared the winner!

Numbers required (cards)

Income


Take your salary, P500x5 cards

You earn a dividend from the coop, P200x2

A small catch, P50x3

A small catch, P100x2

Each player owes you P5, collect x 3

You make a small profit from your livelihood project, P100x2

It's your birthday - collect P10 from each player x3

Your vegetables are growing well, you earn P100x2

A good catch, P500x3


Outgoing


Gasoline, 3 liters x 45 x 3

You buy a pig for your son's wedding, P600x1

Food, P50x5

You give a donation for the school, P20x2

Your child is ill - medicines P50x2

You give a donation for the church, P20x2

You get drunk with your friends. It costs P100.

You pay your coop dues, P100x2

Lose a turn You need condiments, P20xl

You pay your debts, P100x1 P200x1 P300x1

You need cooking oil, P5x3

P400x1

You buy vegetables, P10x2

Electricity bill, P100x2

You buy fruit, P10x2

Damage to your boat, repairs P100x3 P300x2

You buy a pig for your son's wedding - P600x1

P600x1

Savings


Bonus card - P50 for savings x3

You save, P50 x 4

You save, P10 x 10

Bonus card - P100 for savings x 2

You save, P20 x 6

Bonus card, P20x3


For savings, 5% interest on all your savings x 2

Variation

How the game can be adapted for upland communities

Income

Outgoing

A good rice harvest - P500x2

A visit to the market for food - P250x3

A moderate rice harvest - P200x4

You have your rice milled - P?

A good vegetable harvest - P200x4

(Different weights, different costs) x 4

You sell two young carabaos - P200x2

A poor yield this year. You owe P500x2


Your carabao dies. You must buy a new one, P2500x1

Example

This game has been played by children and adults in Bangar, La Union, Philippines. It is used by a fisherfolks' cooperative as an icebreaker in their basic accounting seminars.

It has also been demonstrated, adapted and tested by Women's Credit Coops in Cebu, Philippines. The original idea was developed to help street children in Baguio City, Philippines to develop budgeting skills.