Listen to #Hashtag Hong Kong every Sunday morning at 8.15
Focussing on issues affecting civil society, we'll hear from representatives of NGOs, associations, statutory bodies, and non-profit groups.
(Sundays 8.15am - 8.25am)
Higher educated people with disabilities and special education needs have a much higher unemployment rate than the general populations. In 2016, we have a survey. We reviewed that half of the population for higher educated people with disability was unemployed at that time. For those employed, nearly 40 percent, they took more than half a year to find the first job. We realize a lot of our higher educated graduates from university - if they have disabilities and special education needs they were expected to work in low-skilled labour jobs such as cashier, a server in a restaurant or even those having a stigmatized effect that we couldn't perform professionally. In 2010, increasing number of higher education are given to people with disabilities. It was caused by the integration education implementation and also the 12 years free education in Hong Kong.
I am Walter Tsui, a person with visually impaired. I was born in 1988 and I graduated with my degree in economics and minor in German in 2011. It was the big fear of graduation equals to unemployment. I was working in multinational companies and investment banking when I was in university. However it was extremely hard to find my first job. Searching more than half a year, eventually I was placed into a human resources role in a construction firm. After I secured my jobs in a commercial world I realized there are so many of our peers with disability just like myself who are struggling in the battlefields of getting career development opportunities. Eventually I quit my commercial jobs in 2015 to found the organization called CareER. It’s a charity registered in Hong Kong dedicated to support higher educated students and graduates with disabilities and special needs in Hong Kong for employment. We focus on ability not disability. We serve 10 kinds of disability types including visually impaired, hearing impaired, mobility impaired, neurodivergence and also people who are experiencing mental well-being issues. We serve as a peer support community for our mutual support but for our employers it is an untapped talent pool.
And also we are a free of charge recruitment channel, providing talent solutions for our employers. Every day we are supporting the society for supply of talents and nurturing inclusive hiring. So first in our candidate empowerment side we focus on two very important things. One is to empower the employment readiness for our candidates. Therefore we have coaching, workshops, partnering with our major corporate partners and also we have run our inclusive recruitment fair.Second we need to focus on building our disability pride, disability acceptance and our own confidence to disclose our disabilities. Therefore peer support is so important because we let our alumni, to share our experience going into the workplace so that no one should feel shame on disclosing disabilities at the workplace throughout the recruitment cycles as well as onboarding and at the workplace. After the COVID time we realize there are two elements need to add into it. There are social manner trainings at the workplace as well as focusing on the mental well-being support for the younger generation for highly educated people with disabilities.
So second we also need to nurture the demands of our talents with disabilities. So we need to work on the willingness to hire as well as the readiness to hire with our employers. Therefore we have developed CareER Disability Inclusion Index, which is a systematic approach to nurture disability re-inclusive readiness with our employers from a leadership commitment on this topic, social commitment, HR practices, flexible working arrangements and workplace accessibility on physical and digital environments.
The both candidate empowerment structure as well as our employer disability readiness structure has been recognized by United Nations Affiliated Award Zero Project Award in 2021 and 2025. So after 10 years of our work we have surveyed on our CareER candidates pool we realize now we have improved the unemployment or we have improved the employment rate from 10 years ago - it was 50% of employment and now actually over 70% of our candidates already got a permanent job in their journey. Now in this fluctuating economy and also a talent loss in Hong Kong, we need to have more employers tapping into this untapped talent pool and we should become a talent solution for you to provide an alternative or new energies into the workplace
And at the same time after the COVID and also the current labor market we need to invest more of our energies to train our members on the social manner workplace etiquette and also the more important would be the mental well-being of the younger generations when they're transiting into the workplace from school. Let's work together to build a more inclusive society and community together with disabilities. Today I'm bringing in for those who are working together with us to drive disability inclusion including our volunteers, advisors and our staff teams. We always dream to have a better world with all peoples are equal and also have a universal designed environment for all. We understand this dream is sometimes quite crazy but I know I'm not the only one. So bringing you the song Imagine by John Lennon
The Hong Kong Jockey Club Financial Education Programme is an initiative designed to empower upper primary students with essential financial competency they need for financial well-being and lifelong success.
Financial capability is more than just a skill—it’s a life necessity. It determines whether young people can navigate adulthood with confidence, achieve financial stability, and avoid pitfalls like scams or poor financial decisions. While Hong Kong ranks highly on global financial literacy indices, younger individuals often exhibit lower scores and express dissatisfaction with their financial situations.
Regardless of socio-economic background, all young people face financial decisions that can shape their long - term well-being. Unfortunately, most existing initiatives and after-school activities often fall short of providing a comprehensive, scalable solution. This gap underscores the urgent need for a structured, impactful programme like the one we’re discussing today.
Aligned with curriculum reforms in primary school Humanities subjects and supported by the Education Bureau, this programme is a collaborative effort initiated and funded by The Hong Kong Jockey Club Charities Trust . Partners include The University of Chicago Financial Education Initiative , The Education University of Hong Kong , the Hong Kong Family Welfare Society , CoCoon Foundation , and Solomon Learning Group .
At its core, the programme seeks to strengthen financial literacy as a future-ready skill. By equipping students with essential knowledge, the right mindset, and critical decision-making abilities, it aims to help them achieve long-term financial well-being and personal fulfillment. Students will learn to judge right from wrong in financial matters, avoid scams, and make informed choices, these are skills indispensable in today’s fast-paced digital economy.
What distinguishes this initiative is its holistic and sustainable design. By collaborating with local educators and global experts, the programme delivers high-quality learning materials and professional development support. Its integration into the formal curriculum ensures longevity, while its focus on experiential learning and community engagement makes it uniquely impactful.
The programme adopts a holistic approach, engaging three key stakeholders: students, teachers, and parents.
Central to the programme is a culturally relevant, age-appropriate curriculum tailored for upper primary students. Developed in alignment with the Hong Kong Financial Competency Framework and researches from the University of Chicago’s Financial Education Initiative, the curriculum integrates financial education into formal lessons, particularly in Humanities subjects. This ensures sustainability and creates a lasting impact within the school system.
To reinforce classroom learning, experiential activities such as marketplaces and inter-school competitions allow students to apply decision-making skills in real-life scenarios. These activities foster critical thinking, practical decision-making and problem-solving skills, helping students build confidence in assessing risks, and making sound judgments.
Teachers are pivotal to the programme’s success. To support them, professional development training and certification are provided, equipping educators with the tools and expertise needed to teach financial education effectively. Additionally, Communities of Practice will be established, bringing together teachers from different schools to co-create resources, share experiences, and foster collaboration. This network ensures that best practices are shared and scaled across participating schools.
Parents play an equally vital role in shaping their children’s financial habits. The programme offers parent-child workshops and public talks, providing expert advice and practical strategies for modeling sound financial behavior. Parents will also learn how to guide their children in recognising and avoiding financial scams which is a growing concern in today’s digital age. By involving parents, the programme creates a supportive ecosystem that reinforces financial education both at home and in school.
To ensure effectiveness, the programme incorporates an evidence-based evaluation design. This approach assesses student learning outcomes and provides valuable insights for continuous improvement. Data-driven feedback loops enable the programme to adapt and evolve, ensuring maximum impact.
Over the course of its implementation, the programme will benefit:
17,800 students , 240 teachers , and 1,500 parents across 70 schools.By targeting these groups, the programme creates a ripple effect, fostering a culture of financial literacy in school system.
The Hong Kong Jockey Club Financial Education Programme represents a critical step toward preparing young people for the future. By equipping them with the skills, knowledge, and mindset to make sound financial decisions, we are nurturing a generation of confident, financially responsible citizens.
Financial education is not just about numbers, it’s about empowerment, resilience, and opportunity. Together, we can create a brighter future for our children and our communities.
06/04/2025 - Daniel Lai - Programme Director of the Hong Kong Jockey Club Financial Education Programme