The burgeoning youth population worldwide and associated challenges of economic integration, particularly in the Middle East and North Africa (MENA), have created the need for innovations in programming to support young people's economic participation. This article focuses on one aspect of economic inclusion - savings - that has positive impacts beyond the targeted activity. Using the YouthInvest project as a case study, this article will look closely at ways in which behaviour change is possible through experiential learning for youth in Morocco. Early indicators have been found of increased savings behaviour of young people aged 15-24 after having been trained in the areas of life skills and financial education, using an experiential teaching approach. YouthInvest is a MasterCard Foundationfunded project being implemented by MEDA in Morocco. Over the course of the ‘100 Hours to Success’ training, 96 per cent of participants surveyed in a recent field study have started saving and more than half of those grew their savings during the training period. These young people are more selfconfident than they were before the training, are planning for the future, and are more likely to increase their incomes.

Carver, R.L. (1997) ‘Theoretical underpinnings of service learning’, Theory into Practice 36(3), Community Service Learning: 143-49.

Chaaban, J. (2008) The Costs of Youth Exclusion in the Middle East, Middle East Youth Initiative Working Paper No. 7, available at SSRN: http://ssrn.com/abstract=1139172 [last accessed 8 November 2010] http://ssrn.com/abstract=1139172

Dewey, J. (1916) Democracy and Education, New York: Free Press, new edition 1944.

Dirkx, J.M. (1997) ‘Nurturing soul in adult learning’, New Directions For Adult And Continuing Education 74, pp. 79-88.

Ennaji, M. (2005) Multilingualism, Cultural Identity, and Education in Morocco, Springer Science & Business Media Inc. New York, New York.

Glassman, M. (2001) ‘Dewey and Vygotsky: Society, experience, and inquiry in educational practice’, Educational Researcher 30(4): 3-14.

Global Financial Education Program (2004) Young People: Your Future Your Money, content note, Microfinance Opportunities (Washington, DC), Citi Foundation (Washington, DC), Freedom from Hunger, (David, CA) (date unclear).

Global Financial Education Program (2005) Microfinance Opportunities Trainers Guide, Microfinance Opportunities (Washington, D.C.) and Freedom from Hunger (Davis, CA), available at http://www.globalfinancialed.org/curriculum.html http://www.globalfinancialed.org/curriculum.html

Holden, C. (2000) ‘Learning for democracy: From world studies to global citizenship’, Theory into Practice 39(2) Global Education: Viewed from around the World: 74-80.

Kolb, D.A. (1984) Experiential Learning: Experience as the Source of Learning and Development, Prentice-Hall, Englewood Cliffs, NJ.

Miller, W. (1990) ‘Internships, the liberal arts, and participant observation’, Teaching Sociology 18: 78-82.

Parker-Gwin, R. and Beth Mabry, J. (1998) ‘Service learning as pedagogy and civic education: Comparing outcomes for three models’, Teaching Sociology 26: 276-91.

Uggen, C. and Janikula, J. (1999) ‘Volunteerism and arrest in the transition to adulthood’, Social Forces 78: 331-62.

Carver, R.L. (1997) ‘Theoretical underpinnings of service learning’, Theory into Practice 36(3), Community Service Learning: 143-49.

Chaaban, J. (2008) The Costs of Youth Exclusion in the Middle East, Middle East Youth Initiative Working Paper No. 7, available at SSRN: http://ssrn.com/abstract=1139172 [last accessed 8 November 2010] http://ssrn.com/abstract=1139172

Dewey, J. (1916) Democracy and Education, New York: Free Press, new edition 1944.

Dirkx, J.M. (1997) ‘Nurturing soul in adult learning’, New Directions For Adult And Continuing Education 74, pp. 79-88.

Ennaji, M. (2005) Multilingualism, Cultural Identity, and Education in Morocco, Springer Science & Business Media Inc. New York, New York.

Glassman, M. (2001) ‘Dewey and Vygotsky: Society, experience, and inquiry in educational practice’, Educational Researcher 30(4): 3-14.

Global Financial Education Program (2004) Young People: Your Future Your Money, content note, Microfinance Opportunities (Washington, DC), Citi Foundation (Washington, DC), Freedom from Hunger, (David, CA) (date unclear).

Global Financial Education Program (2005) Microfinance Opportunities Trainers Guide, Microfinance Opportunities (Washington, D.C.) and Freedom from Hunger (Davis, CA), available at http://www.globalfinancialed.org/curriculum.html http://www.globalfinancialed.org/curriculum.html

Holden, C. (2000) ‘Learning for democracy: From world studies to global citizenship’, Theory into Practice 39(2) Global Education: Viewed from around the World: 74-80.

Kolb, D.A. (1984) Experiential Learning: Experience as the Source of Learning and Development, Prentice-Hall, Englewood Cliffs, NJ.

Miller, W. (1990) ‘Internships, the liberal arts, and participant observation’, Teaching Sociology 18: 78-82.

Parker-Gwin, R. and Beth Mabry, J. (1998) ‘Service learning as pedagogy and civic education: Comparing outcomes for three models’, Teaching Sociology 26: 276-91.

Uggen, C. and Janikula, J. (1999) ‘Volunteerism and arrest in the transition to adulthood’, Social Forces 78: 331-62.

Carver, R.L. (1997) ‘Theoretical underpinnings of service learning’, Theory into Practice 36(3), Community Service Learning: 143-49.

Chaaban, J. (2008) The Costs of Youth Exclusion in the Middle East, Middle East Youth Initiative Working Paper No. 7, available at SSRN: http://ssrn.com/abstract=1139172 [last accessed 8 November 2010] http://ssrn.com/abstract=1139172

Dewey, J. (1916) Democracy and Education, New York: Free Press, new edition 1944.

Dirkx, J.M. (1997) ‘Nurturing soul in adult learning’, New Directions For Adult And Continuing Education 74, pp. 79-88.

Ennaji, M. (2005) Multilingualism, Cultural Identity, and Education in Morocco, Springer Science & Business Media Inc. New York, New York.

Glassman, M. (2001) ‘Dewey and Vygotsky: Society, experience, and inquiry in educational practice’, Educational Researcher 30(4): 3-14.

Global Financial Education Program (2004) Young People: Your Future Your Money, content note, Microfinance Opportunities (Washington, DC), Citi Foundation (Washington, DC), Freedom from Hunger, (David, CA) (date unclear).

Global Financial Education Program (2005) Microfinance Opportunities Trainers Guide, Microfinance Opportunities (Washington, D.C.) and Freedom from Hunger (Davis, CA), available at http://www.globalfinancialed.org/curriculum.html http://www.globalfinancialed.org/curriculum.html

Holden, C. (2000) ‘Learning for democracy: From world studies to global citizenship’, Theory into Practice 39(2) Global Education: Viewed from around the World: 74-80.

Kolb, D.A. (1984) Experiential Learning: Experience as the Source of Learning and Development, Prentice-Hall, Englewood Cliffs, NJ.

Miller, W. (1990) ‘Internships, the liberal arts, and participant observation’, Teaching Sociology 18: 78-82.

Parker-Gwin, R. and Beth Mabry, J. (1998) ‘Service learning as pedagogy and civic education: Comparing outcomes for three models’, Teaching Sociology 26: 276-91.

Uggen, C. and Janikula, J. (1999) ‘Volunteerism and arrest in the transition to adulthood’, Social Forces 78: 331-62.

Carver, R.L. (1997) ‘Theoretical underpinnings of service learning’, Theory into Practice 36(3), Community Service Learning: 143-49.

Chaaban, J. (2008) The Costs of Youth Exclusion in the Middle East, Middle East Youth Initiative Working Paper No. 7, available at SSRN: http://ssrn.com/abstract=1139172 [last accessed 8 November 2010] http://ssrn.com/abstract=1139172

Dewey, J. (1916) Democracy and Education, New York: Free Press, new edition 1944.

Dirkx, J.M. (1997) ‘Nurturing soul in adult learning’, New Directions For Adult And Continuing Education 74, pp. 79-88.

Ennaji, M. (2005) Multilingualism, Cultural Identity, and Education in Morocco, Springer Science & Business Media Inc. New York, New York.

Glassman, M. (2001) ‘Dewey and Vygotsky: Society, experience, and inquiry in educational practice’, Educational Researcher 30(4): 3-14.

Global Financial Education Program (2004) Young People: Your Future Your Money, content note, Microfinance Opportunities (Washington, DC), Citi Foundation (Washington, DC), Freedom from Hunger, (David, CA) (date unclear).

Global Financial Education Program (2005) Microfinance Opportunities Trainers Guide, Microfinance Opportunities (Washington, D.C.) and Freedom from Hunger (Davis, CA), available at http://www.globalfinancialed.org/curriculum.html http://www.globalfinancialed.org/curriculum.html

Holden, C. (2000) ‘Learning for democracy: From world studies to global citizenship’, Theory into Practice 39(2) Global Education: Viewed from around the World: 74-80.

Kolb, D.A. (1984) Experiential Learning: Experience as the Source of Learning and Development, Prentice-Hall, Englewood Cliffs, NJ.

Miller, W. (1990) ‘Internships, the liberal arts, and participant observation’, Teaching Sociology 18: 78-82.

Parker-Gwin, R. and Beth Mabry, J. (1998) ‘Service learning as pedagogy and civic education: Comparing outcomes for three models’, Teaching Sociology 26: 276-91.

Uggen, C. and Janikula, J. (1999) ‘Volunteerism and arrest in the transition to adulthood’, Social Forces 78: 331-62.