Yarnin’MoneyEvaluationProgressReport2017ThisreportdiscussestheevaluationprogresstodateontheYarnin’Moneytrainingprogram,deliveredtotwelveremoteAboriginalandTorresStraitIslandercommunitiesoverathree-yearperiod(2015-2017).Thereportfocusesonthedevelopment,deliveryandevaluationactivitiesoftheYarnin’MoneyprogramfromJanuarytoDecember2016.Thereportwilldiscussthekeyfindings,andopportunitiesandchallengesmetoverthereportingperiod.
Figure1:MeasuringkeyoutcomesundertheYarnin’Moneyprogram
KeyFindings
1. Thetrainingdeliveryandactivitiespromoteculturalsafety,whichhasbeenthenecessaryfoundationforopeningparticipantsuptobeabletodiscussmoneywithinasafeenvironment;
2. ThePhotoNarrativeactivityfacilitatesgroupdiscussionsof:memory,childhoodexperiences,aspirationsforfamilyand/orself,financialandconsumerissues.Itisanecessarycomponentandbuildingblocktotheactivitiesthatfollow.Withouttheactivity,thetrainingdeliverydoesnot‘flow’inthesameway,impactinguponopportunitiesfor‘teachablemoments’tooccurforparticipants;
3. Thetrainingprovidesanincreaseinfinancialcapabilityknowledge;4. Conditionsandenvironmentontrainingdayimpactupontrainingoutcomes.Trainers
needtheflexibilitytotailortrainingandevaluationneedstosuitthetrainingenvironment;
5. Thetrainingdeliveryandactivitiescreateopportunitiesfor‘teachablemoments’.6. Thereisalinkbetween‘teachablemoments’identifiedinatrainingsessionand
participantsexpressingpre-contemplativeandcontemplativeself-efficacytowardsfinancialcapability;
7. Participantsfeltthetrainingprovidesthemwiththetoolstohaveconversationswithfamilyandfriendsaboutmoney(positiveandmoredifficultconversationswereidentified);
8. TherearechallengesmetbythecurrentevaluationstrategywhichrequiresremodelingtosuitbothtrainersandYarnin’Moneyparticipants.
Yarnin’MoneyTheYarnin’Moneyprogramfocusesonthreemainactivitiesoverthefundedthree-yearperiod:
Figure2:KeyactivitiesundertheYarnin’Moneyprogram
Figure3:Projectedoutcomesandimpact
Activity1(Develop)
OUTCOME:Trainingmaterials&deliveryutiliseculturallyspecificapproachestomoney/financialliteracy(inclusiveofpersonal&communitycontexts)foraholisticapproachtomoney
IMPACT:Indigenous-specifictrainingmaterials&resourcesaremadeavailable&utilisedbyawiderangeofservices(local&national)
Activity2(Deliver)
OUTCOME:Participantsgainincreasedconfidencetoaddressimmediatebarrierstopersonalfinancialliteracy&increasedfinancialcapabilityopportunitiesviaongoingsupportservices
IMPACT:Participants&identifiedremoteAboriginal&TorresStraitIslandercommunitiesmovealongpathwaysfinancial‘crisis’to‘thriving’towardsfinancialinclusionwithaccesstosupportservices
Activity3(Evaluate)
OUTCOME:Programlearningsareidentified&fedbackforcontinuousprogramimprovement.Improvementsaremeasuredinintervals&reported
IMPACT:Contributiontobroaderknowledge&literatureofbestpracticeIndigenousspecificfinancialliteracyprograms→ Increasedqualityofservicedelivery(ICAN)
AimsoftheprogramICANaimstoempowerAboriginalandTorresStraitIslandercommunityresidentstobeabletomakeinformedfinancialandconsumerchoices,incontextsandmeansthatprovidepersonalmeaning.ThetrainingaimstoassistAboriginalandTorresStraitIslandercommunityresidentsto:
1. Identifyandunderstandtheirfinancialsituationfrom(&within)historical,cultural,andpersonalandcommunitycontexts;
2. ProvideasafeenvironmentthroughtheYarnin’Moneytrainingstyle(deliverymethods)toopenlydiscussfinancialandconsumerissues;
3. CreatechoiceswithutilisingtheirmoneythroughtheYarnin’MoneyWheel(Budgetingtools/techniques);
4. GeneratethoughtsandyarnssurroundingIndigenouspeopleandmoneyintoday’ssociety-(“IfwestartYarnin’aboutthisthingBudget/Moneyandweunderstandthiscomponentinourlives,wecantryandbebossofitasbestwecan.Yarnin’aboutMoneyisthestartofwherewearetoday,towhereouryoungpeopleandgenerationstocome,goingtobeinrelationtohowweperceiveMoney”-EddieBuli,Yarnin’Moneydeveloperandtrainer).
ResearchQuestionsTheevaluationisguidedbytworesearchquestions,underpinnedbyitsmethodology(overviewdiscussedinEvaluationInterimReportJuly-December2015):
1. InwhatcontextdoesfinancialliteracylearningoccurforIndigenouspeoplesforthetargetedcommunitiesandhowdoescontextaffectthislearning?
2. TowhatextentdoesincorporatingIndigenousworldviewsandculturalcomponentsinto
financialliteracyeducationpromote:
a) Anincreaseinknowledge1,confidenceandskillstowardsfinancialcapability;b) Financialconversationstooccur;c) Self-efficacyandbehaviouralchangeinfinancialcapability.
Programgoals&deliverycomponents
1) Financialliteracytrainingisdeliveredin12remoteAboriginalandTorresStraitIslandercommunitiesinFarNorthQueenslandandtheTorresStraitoverathree-yearperiod;
1InanIndigenouscontextwherenofinancialliteracyeducationhasbeenprovidedpriortothisprogram,anincreaseinfinancialliteracyknowledgecanbeakeycontributiontotheprocessofbehaviourchange(Pre-contemplativeàContemplativeàPreparation).
2) Developmentoffinancialliteracytoolsthatareculturallyspecific,tomeettheneedsofIndigenouspeoplewithvaryinglevelsofliteracyandnumeracyskills;
3) Train-the-trainerfinancialliteracytrainingisofferedtolocalcommunityservice
providersthroughaface-to-faceapproachfollowedbyongoingonlinesupportthroughvideos,culturalawarenesstrainingfornon-IndigenoustrainersandavarietyofonlineapproachesincludinglivewebinarFAQandtroubleshootingonlinelivesessions;
4) Createonlineprofessionaldevelopmentopportunitiesforfinancialcounselling
/capabilityworkersandcommunityservicesprovidersnationally.OnlinefinancialliteracytrainingtobeofferedtothosewhohavecompletedtheYarnin’moneyTraintheTrainersessionwhichincludesserviceproviderswhoareAboriginaland/orTorresStraitIslander,financialcounsellorsandfinancialcapabilityworkersnationally.TheonlineapproachwillincludewebinarandliveonlinedeliveryofaspectsoftheYarnin’MoneyProgramtoensurethatthedeliverymodeisconsistent;toprovidesupporttotransfernarrativeapproachskillstofinancialcounsellorsandfinancialcapabilityworkers.
5) Provideevidenceofbestpracticemethodsfordevelopingappropriatefinancialliteracy
content,toolsandtrainingdeliveryforIndigenouspeopleinremotesettings;
ContextTheYarnin’MoneyprogramendeavourstodevelopthefinancialcapabilityofAboriginalandTorresStraitIslanderpeopleslivinginremoteQueenslandcommunities.Kempsonetal.2describefinancialcapabilityas:
“thecapacity,wheninpossessionofagivensetofinformation,toimplementadecision-makingprocess,basedonwhichdecisionsaretobetakenand/ormodesofconductfollowed,withrespecttocertaineconomic/financialsituations”
where: “improvingfinancialcapabilitythereforemeansimprovingtheresultsofsucha
decision-makingprocess.Thiswillentailincreasingconsumers’know-howandexpertiseandshouldbedonethroughprogrammesdesignedtoimproveknow-ledge,skillsandconfidence.”
Understandingthe“institutionalcontextinwhichpeopleliveandwork”iskeytounderstandinghow“people'sfinancialliteracyneedsvaryacrosssocioeconomicgroup3.”Inexaminingsituatedlearningtheory,Bucklandhighlightshowcontext;referringtothe“learner'sparticipationinculture,relationships,community,availabletools,andlocalactivities”4,willdirectlyaffecthowpeoplewillapproachfinancialliteracylearningandaddressfinancialchallenges.Thislinkingof
2Kempson,E.,Collard,S.,&Moore,N.(2006).Measuringfinancialcapability:AnexploratorystudyfortheFinancialServicesAuthority.ConsumerFinancialCapability:EmpoweringEuropeanConsumers,39.3Buckland,J.(2010).Arelow-incomeCanadiansfinanciallyliterate?Placingfinancialliteracyinthecontextofpersonalandstructuralconstraints.AdultEducationQuarterly,60(4),357-376. 4Ibid,p.360.
contextandsituatedlearningisausefulapproachforinterpretingthesocial,andinstitutionalsettingsinwhichtheYarnin’Moneytrainingisdelivered.ContextmatterswhendeliveringtheYarnin’MoneytrainingtoremoteAboriginalandTorresStraitIslandercommunities,wheretherearevaryingpresentingbarriers,duetogeographical,structuralandculturalfactorswhichwhencombined,presenta“uniquesetofcircumstances”5forthecontextinwhichIndigenouspeoplesunderstandfinancialliteracyandfinancialcapability.Thesefactorsenforcetheimportanceofrecognisingthat“communitieswithhighlevelsoffinancialexclusiondifferintheextentandnature”ofhowfinancialservicesmaybeaccessed6,whichinturnwillimpactuponhowfinancialcapabilityprogramssuchasYarnin’Moneyaredelivered.Inthismanner,contextaffectswhatthefinancialliteracyneedsofYarnin’Moneyparticipantswillbe,andhowindividualswillapproachthistypeoflearning7.Further,financialliteracytrainingandtoolsdevelopedforIndigenouspeopleneedtoberelevanttotheirpersonalandcommunitycontextsandcircumstances–which,whenincorporatedwithaccesspointsexperientiallearningcanlaythefoundationforaddressingpersonalattitudestowardsmoneyandthe‘causalrelationshipbetweenfinancialeducationandachangeinfinancialbehaviour’8.TheYarnin’MoneyprogramdeliveredseventrainingsessionsacrosssixAboriginalandTorresStraitIslandercommunitieslocatedintheWesternCapeYorkarea.Tounderstandthecontextinwhichtrainingsessionisdelivered,communityperspectivedataiscollectedtoprovideinsightintolocalknowledgeofaccessandbarrierstoservicesinthelocalarea.WeipaWeipaistheregionalcentreoftheWesternCapeYorkarea,withapopulationofapproximately3,500people.Weipaislocatedapproximately850roadkilometresand580airkilometresfromCairnsandabout200kilometresfromthetipofAustralia9.Weipahasamixedeconomy,servicingarangeofpopulationsincluding:thesiteofRioTintoAlcan,theworld'slargestbauxitemine,andouterAboriginalcommunities:Napranum,MapoonandAurukun.Local,insiderknowledgeprovidesinsightofservicesandaccessibilityofthoseservices:
• 1CreditUnionbranch:QueenslandCountryCreditUnion• 5ATMsavailableinWeipa:‘ATMinfrontofthisBank–Theychargeabout3to4bucks
touse’;‘ATMattheWeipaServiceCentreoppositeWesternCapeCollege–Charge3to4buckstouse’;‘Allthepubshaveone[ATM],Alby,Bowlies,Golfies.(AlbatrossResort,BowlsClub,GolfClub)–Charge3to4buckstouse’;‘TheGolfiesone(ATM)takestoolong,waitingforagesforittoprocess’;
• ‘Cheapertogetit[money]fromWoolworths,nocharge,$500maxadayyoucanwithdraw.Weusethattowithdraw[money]’;
5Loban,H.(2010)UnconscionableconductandAboriginalandTorresStraitIslandercommunities.PreparedfortheIndigenousConsumerAssistanceNetwork.http://ican.org.au/wp-content/uploads/2010/07/ICAN-Research-Report-2010.pdf.6Collard,S.,Kempson,E.,&Whyley,C.(2001).Tacklingfinancialexclusion.Policy.http://www.bridge.bris.ac.uk/pfrc/Reports/Tackling_financial_exclusion.pdf.7Ibid(4),p.360,361.8Brimble,M.andBlue,L.2013.‘Tailoredfinancialliteracyeducation:anIndigenousperspective.’JournalofFinancialServicesMarketing.18(3):207-19.9WesternCapeChamberofCommerce.(2017).‘AboutWeipa.’http://www.westerncapechamber.com.au/weipa.
MapoonTheMapoonAboriginalShirecommunitysitsontheWestCoastoftheGulfofCarpentaria,andislocatedonTjungundjicountry,sharingitsimmediatesurroundingswiththeYupungathi,Taepithiggi,WarrangkuandThanakwithpeoples10.Mapoonpeoples“areextremelydiverse…withamixtureoftraditionalandhistoricalassociationstoMapoonandMapoonMission”11.Approximately300peopleliveinMapoontoday.Local,insiderknowledgeprovidesinsightofservicesandaccessibilityofthoseservices:
• Nearestbankis68kmsaway(Weipa);• Onlinebankingisnotpopularinthecommunity;• ThereisoneATMlocatedatthelocalstore.WeatheraffectstheoperationoftheATM.• Lackoftransportationaffectscommunityresidents.
PormpuraawThePormpuraawAboriginalShirecommunity,hometoapproximately750people,islocatedontheWestCoastofCapeYork,500kilometresfromthetipofAustralia,andsouthoftheEdwardRiver.It'sthehomeoftheThaayorre,Wik,BakanhandYirYorontpeople12.Pormpuraaw(formerlyEdwardRiver)wasestablishedasanAnglicanMissionin1938.Themedianageofresidentsis34years.MajoroccupationsinPormpuraawrangefromcommunityservicesfieldsandlabourers13.Localknowledgeprovidesthefollowinginsightsonservicesandissuesinthecommunity:
• 3ATMsinthecommunity• ACommonwealthBankagentlocatedatthelocalpostoffice;• Payloansarebiginthecommunity;• Barrierstoaccessingserviceslocallyinclude:lackoftransportation,limitedincomes,
familyobligations,gambling.• Aformertransportationbarrierhaslessened,withthecostofairfaresdecreasing.Flight
costsusedtorangebetween$800-$1000return,arenow$199return.
10Moran,M.(2006).‘PlanningMapoon.’InPractisingself-determinationparticipationinplanningandlocalgovernanceindiscreteIndigenoussettlements.Chapter3.PhDThesis:pp.77-165.http://www.mfmoran.com/wp-content/uploads/2012/04/02chap3and4.pdf.11CentreforAppropriateTechnologyInc.(1995).‘OldMapoonplanningforahealthycommunity:towardsahealthylivingenvironment.’StageIIReport.pp.i-170.CentreforAppropriateTechnologyInc.Cairns.12PormpuraawAboriginalShireCouncil.(2017).‘Communitylife.’http://www.pormpuraaw.qld.gov.au/community.htm.13AustralianBureauofStatistics.(2017).‘Pormpuraaw(S).’http://stat.abs.gov.au/itt/r.jsp?RegionSummary®ion=36070&dataset=ABS_REGIONAL_LGA&geoconcept=REGION&datasetASGS=ABS_REGIONAL_.
DiscussionThediscussioncentresupontheprogram’sthreefocusareas:development,deliveryandevaluation.KeyfindingsfromtheYarnin’Moneyfinancialcapabilitytrainingprogram,deliveredtosevensitesacrosssixcommunitiesarediscussed,withrecommendationsforYear3.DevelopmentInthereportingperiod,anewstaffmemberwithsignificantexperienceinwritinganddeliveringaccreditedtrainingpackagesjoinedtheteamtocoordinatethedevelopmentanddeliveryoftheYarnin’Moneyprogram.Twotrainingresources‘Yarnin’withthemob’and‘FinancialFirstAidforServiceProviders’weredevelopedinYear1andweretestedinYears1and2.Theapproachandcontentappearedtobewellreceivedbyparticipants,buttrainersnotedaneedtorefinesomeareasoftheresources.Itwasfoundthatthe‘ServiceProvider’materialsneededanapproachthatguidedthetraineraroundalloftheactivities,methodologiesandpotentialreadingandresearchtoensurethatnewtrainerscouldbeappropriatelyresourcedandsupported,withaparticularfocusonensuringthattrainingoutcomesweresafe,culturallyappropriateandabletomeetacertainstandardforremoteIndigenousparticipants.Theresourceswererefinedtopresentthematerialsandactivitiesinalogicalsequence.Theintegrityofthecontenthasbeenmaintained.TrainingmanualintroductionTheinitialintroductioninthetrainingmanualslinkedYMstronglytotheaccreditedFLE301,302and303units,aswellassomecounsellingunits;however,thecontentonlypartiallyaddressedsomeofthekeyelementsandisnotaccreditedtraining.ThiswasreviewedtoremoveperceptionthattheYMmaterialswereanaccreditedtrainingpackage.Whilethereisabilitytolinktheresourcestoaccreditedunits,thesewereonlyusedasaguideforensuringYMmaterialsprovidedstructuredlearningoutcomes.Whilemoreworkcouldbecarriedoutinordertobuildtheassessmentstothestandardsofaccreditedunits,doingsomayimpacttheimpetusofbuildingarelationshipoftrustaimedatfacilitatingbehaviourchange,howeversubtle.Thecurrent,reviewedmanualsstipulatethattheYarnin’Moneyeducationisnotaccreditedtraining.Yarnin’WiththeMobDevelopmentofthetrain-the-traineraspectoftheprogramcommencedinthereportingperiod.Uponreviewofthe‘Yarnin’withthemob’trainingbooklet,itwasfoundthatthematerialsdidnotmatchthesectionnumberoftheServiceProvidermaterials.Theteamalignedthesectionnumbersandcontentacrossthetwomaterials,inorderfortrainerstobeabletoutilisetheYarnin’WiththeMobmanualindelivery.Generallanguage,orderandflowofactivitieswerealsostreamlinedtoprovideamorerobuststructuretothemanuals.Anoutlineofevaluationactivitiesandresourceswillbeaddedtothemanuals.Yarnin’Money–ServiceProviderUponreviewofthe‘Yarnin’Money–ServiceProvider’manual,itwasfoundthatthecontentandstructurehaslargelyalignedwiththe‘Yarnin’WiththeMob’trainingbooklet.Changesweremadetoenhancethespecificinstructionsfortrainers(serviceproviders).Aninstructionalstep-
by-stepapproachwasaddedtoeachsectionofthecourseandactivity,toensurestreamlineddelivery(forfutureserviceproviders).Additionsinclude:
1. Explorationofculturalawarenessfornon-Indigenoustrainers;2. Readingmaterialfortrainerself-education;3. Linkstoresearchandinformationtoguidethetraineraroundkeytopics(includingbut
notlimitedto):counsellingskills;useofself-evaluationandreflectiontools;trainingstrategies;adultlearning;financialliteracy,etc.;
4. Ideasabouthowtoapproachchallenges,highlightingareasandinstancesthatmayhaveimpactinagroupdiscussion,ie.humbugandothermatters;consciousnessofwhetherfamilymaybepresentandimpactsonlearningandgroupparticipantengagement;
5. Remindersfortrainersaboutculturallyspecificmatters;respect,protocol;6. AconcentratedfocusontheYarnin’MoneyWheel–howtosharetheconceptswith
participants;7. Approachestoclientengagementandicebreakeractivitieshavebeenadded.8. Additionoftheevaluationactivity(circles)inthetrainingmanual(describedin
‘evaluation’section)MarketingMarketingmessagesthatrelatetothetitlesofthetwosessionswerereviewed:
• Thenotionof‘Financialfirstaid’wasremovedtobetteralignthelanguageacrossthetwomanuals‘Yarnin’Moneywiththemob’andYarnin’moneywithserviceproviders’–providescontinuityofthenarrativeapproachutilisedacrossbothtrainingdeliveries.TheYarnin’Moneywithserviceprovidersisthetrainthetrainerresource;wearereferringtrainthetrainerasT2Tinourdaytodaylanguageandsomeofourcourseadvertisingetc.
• BrochuresfortheYMcoursesreflectthesechanges.Languagehasbeensimplifiedwithoutalteringthemessaging.
UseofmaterialsOutsidethemarketingbrochures(createdinthereportingperiod),thereviewedmaterialshavenotyetbeentested.Testingwilloccurinoverthe2017programdelivery.The‘train-the-trainer’sessionsaretobetestedanddeliveredoverthe2017programdelivery.DeliveryKeyFindings[1&2]:Thetrainingdeliveryandactivitiespromoteculturalsafety,whichhasbeenthenecessaryfoundationforopeningparticipantsuptobeabletodiscussmoneywithinasafeenvironment.EnsuringculturalsafetyindeliveringtheYarnin’Moneytraininghasbeenatargeted,intendedoutcomeoftheprogram,whereactivitiesincorporatingIndigenousknowledgesandworldviewswerepurpose-builtinthedevelopmentstagesoftheprogram.Itwasfeltbythetrainersthatthekeymessagingoftheprogramwouldbetocreatea‘yarn’aboutmoney,whichwouldpromoteastrengths-basedapproachtotalkingaboutmoney.Utilisinganarrativeapproach,the
PhotoNarrativeactivityhasallowedparticipantstochoosetheirownphotostoexploretheirownstories,journeysandvalues,priortomovingontomorein-depthdiscussionsandactivitiesrelatingtomoney.Benefitsofthenarrativeapproachinclude:
• Significanceofindividualstories,from‘ahistorical,socialandculturalcontext[s]’which‘illustratetherelevanceofthestorymetaphorfortherapeuticpractice’14;
• Recognisesthe‘circulationoflanguage’,asthebasisforunderstandingtheimportance
ofstorytellingintherapeuticpractice,which‘canaidthecreationoftherapeuticconversations...informedbythenarrativeposture’15;
• Aidsandlocatesanunderstandingofpivotalmoments–situatedinthepresentmoment
ofthetherapeuticconversation…themostfertilegroundforchangeformostpeople’16.ThroughTheuseofindividualstorytelling,thePhotoNarrativeExercisehasestablishedrapportbetweentrainerandstudentparticipant,anecessarycomponentfortrainerstobeablemoveparticipantsintothetimelineactivity,inamannerthatrecognisesandvaluesindividualstorytellingasastartingpointtothetraining17(furtherdiscussedinEvaluationProgressReportJuly–December2015).ThePhotoNarrativeactivity:
• FacilitatesculturalsafetyoftheYarnin’Moneytraining;• Allowsopportunityforparticipantstosharetheirownstories,tocreatea‘yarn’;• Facilitatesgroupdiscussionsof:memory,childhoodexperiences,aspirationsforfamily
and/orself,financialandconsumerissues;• Isanecessarycomponentandbuildingblocktotheactivitiesthatfollow.Withoutthe
activity,thetrainingdeliverydoesnot‘flow’inthesameway,impactinguponopportunitiesfor‘teachablemoments’tooccurforparticipants;
ParticipantandtrainerresponsestothePhotoNarrativeactivity:
• “Thephotoswentreallywellthistimewithpeoplesharingtheirculturalexperiences”(Trainer2,WeipaServiceProvidertraining,September1,2016);
• [Participant]“talkedaboutthefrontofthepearldivingLuggerboatsintheTorresStraitanditboughtbackgoodmemoriesofgrowingupwhenmoneywasn’tanissueandthingswereachieved.ShesaidshereallyenjoyedgrowinguponThursdayIslandwhereastodaythingsareexpensiveandmorecomplicated”(Trainer2,NapranumServiceProvidertraining,September1,2016);
14FookandGardnerinDuvall,J.andBeres,L.(2011).Innovationsinnarrativetherapy:connectingpractice,trainingandresearch.W.W.Northon&Company:NewYork.KindleEdition.15Ibid.16Ibid.17ICAN.(2016).‘Yarnin’MoneyevaluationprogressreportJuly–December2015.’http://finlit.org.au/funded-projects/funded-projects2014/indigenous-consumer-assistance-network-ican/.
• “OneoftheparticipantschoseaphotoofaniPhoneandwetalkedabouthercontract”(Trainer2,RioTinto–WiththeMobtraining,June21,2016);
• “Oneparticipantchosethephotoofthe…repomangettingthecarkeysback…carinthe
backgroundofpictureandshetoldherstoryofchangeofcircumstances/lossofemploymentetc,thatthisrepossessionhappenedtoherandifshehadknownaboutwheretogo,perhapsthiswouldn’thavehappenedtoher.”(Trainer2,RioTinto–WiththeMobtraining,June21,2016);
• “Ithinkthoseparticipantswhochosepicturesrelatingtofinancialandconsumerissues…
wantedtogostraightintothesessionplanrelatingtothoseissues(repossession,buyingacar,creditcards,buyingahousetopicsetcastheirdefensewalls/mechanismswerealreadydownandtheyalreadyfelttheywereinacomfortablesafetrainingenvironmenttodiscusstheirpersonalfinancialandconsumerissues,noneedforbuild-upactivities.”(Trainer2,RioTinto–WiththeMobtraining,June21,2016);
• “Otherschosepicturesofpersonalstories/memories(suchasapictureofawhiteman
shakingablackman’shand,forhimitwasaboutgettingalong,workingandlivingtogether).”(Trainer2,RioTinto–WiththeMobtraining,June21,2016);
• Oneparticipantrelatedachosenphototoadesireforakindoflifestyleforherchildren.
“ParticipantchosewasaphotoofaTVwithanislandsettinginthebackground,andshesaidshewishedherkidscouldhavealifelikethis.”(Trainer2,NapranumServiceProvidertraining,September1,2016);
• “Participantchoseablackandwhitephotoofawharfwithkidsjumpingoffandthis
remindedherofwhenshelivedonMorningtonIsland.”(Trainer2,NapranumServiceProvidertraining,September1,2016);
• (Photo)“…pickedwasaChristmasscenewhichisabigeventforthem…Theyhaveto
savemoneyforthisasitistheirspecialday.”(Trainer2,NapranumServiceProvidertraining,September1,2016);
KeyFinding[3]:ThetrainingprovidesanincreaseinfinancialcapabilityknowledgeWhileASICpositsthat‘knowledgeisnotaproxyforbehaviourchange’18,ICANputsforththatinanIndigenouscontextwherenofinancialliteracyeducationhasbeenprovidedpriortothisprogram,anincreaseinfinancialliteracyknowledgecanbeakeycontributiontotheprocessofbehaviourchange(Pre-contemplativeàContemplativeàPreparation).InseekingmethodstomeasureanincreaseoffinancialliteracyknowledgethroughtheYarnin’Moneytraining,ICANdevelopedtheknowledge-centredcircleevaluationtool,deployedatthestartofthetraining,andagainoncompletionofthetraining.Thepurposeofthetoolistoassisttheparticipanttoself-evaluatetheircurrentunderstandingofthetopicarea/training.Participantsarepresentedwithtwocolouredcircles1:Anoutergreencircle,symbolisingwhataparticipantmaynotknow;
18AustralianSecuritiesandInvestmentsCommission.2011.‘Financialliteracyandbehaviouralchange.’Report230.AustralianSecuritiesandInvestmentsCommission:1-132.http://www.financialliteracy.gov.au/media/218309/financial-literacy-and-behavioural-change.pdf.
2:Aninnerbluecircledenoteshowparticipantsknow/feelaboutthistopic.Thewords‘knowledge’and‘feeling’arebothusedinthisexercise,asamethodtoseekparticipantcommentsacrossindicators.Therearetwocomponentsonwhatthetoolisdesignedtoachieve.Itisdesignedtogaugecurrentthoughts,feelingsand/orpre-existingknowledgeandskillofthetopicareaevaluatedbytheparticipantandgaugeanunderstandingofwhatlearningoutcomeswereachievedbytheparticipant.Itendeavourstoassisttheparticipantstoconceptualisetheirownoutcomesandlearning.Inafive-minuteexerciseparticipantsareaskedtocapturetheirknowledge/skill/feeling–atthebeginningofthetrainingortopicsessionwithinthetraining–andwritethemdownintheinnerbluecircle.Thesecondsheetofpaperishandedoutattheendofthetrainingsession,thepaperhastwocolouredcircles1:Anoutergreencircle,symbolisingwhattheydidn’tknowaboutthetopicareaandtheirspecificlearningregardingthetopicarea.2:Theinnerbluecirclestillrepresentstheirexistingknowledgeandskill.Inthefinalexercise,theparticipantisaskedtofillinthegreencircle.Here,thegreencircleislargerthantheoriginalblueone,toaidparticipantstoconceptualiseanincreaseinknowledge,awarenessandskill.
MoneycausesfamilyfeudFamilybreakdownMentalillnesscausedbyfinancialdifficultiesFinancialproblemsanddebtsDonotshowupforworkforthedole,cutofffor8weeks–howtosurvivewithoutmoneyCancausedramasandjealousybutbringshappinessaroundfestivetimesGoesasfastasitcomesAffectspersonal,socialandbusinesslifeGoodtimesdon’tlastaslongasthebadtimes
‘Howtochangeone’swayofthinking’‘Howlifeexperiencescanaffectyourfinancialsituation’‘Waystocommunicate&talkaboutmoneymatters’‘Havestronggoals’‘Setagoalforoneself’‘Supporting’–‘Knowwheretogethelp’‘Howmuchitclearsupwhereyouspendyourmoney’‘Howtoreadinterest,controlyourcarloans’Ilearnedaboutloanpayments’‘Howmuchmoneyyouspendinayearandhowsimpleitistosavemoney’‘Ididn’tknowabouthowyoucanbudgetmoney/putmoneyawayforholiday’‘ICANisaveryusefultoolinhelpingIndigenouspeoplewithfinancialissues’‘Everythingwasknowledgable’‘BestinformationI’vegotinanyprogramandfinancialsituations,veryeffective’
Above:Left:Cause/Effectresponseto‘Whatdoyouknowaboutmoneyandhowithasaffectedyou?’;Right:ResponsestohowYMtraininghasassistedinchangingmindsetsaboutmoneyacrossseveraldomains(WiththeMobtrainingacrosstwosites:MapoonandRioTinto).
AcrosstheServiceProviderandWiththeMobtrainingresponses,participantsidentifiedbothcauseandeffectideasabouttheirviewsofmoney.Inthecategories‘Whatdoyouknowaboutmoneyandhowhasitaffectedyou?’and‘Whatdoyouknowaboutaclientexperiencingfinancialdifficulty?’,thecontextoflivinginremoteIndigenouscommunitiesunderpinnedtheresponsesonlimited:employment,incomeandhousing.Furtherresponseshighlightedhowparticipantsfeltmoneyimpacteduponthem,bywayoffamilybreakdown,financialproblemsanddebts,andmentalandstressrelatedissues.
StructuralissuesNothavingenoughmoneyLimitedtonojobsavailableLowincomesLimitedtonohousingavailableOutstandingfinesMentalillness…causeoffinancialdifficultiesLivingpaychecktopaychecktogetthroughtothenextpaymentNotenoughmoneytogetbasicnecessitiesRelianceongovernmentbenefitsListofbasiclivingnecessitiesPutsfoodonthetableNomoneynodreamFamiliesaskingformoneyfortheirhabitsGivingmoneyawaywithoutthinkingNotthinkingbeforeIspend
‘Lookatthefinerdetailsofbudgeting’‘Howtomoreaccuratelybudget’‘Cuttingexpenses’‘Makingsacrificeofspendingmoneyonexpensivethings’‘Howtosetabudget’‘Yarnin’MoneyWheel–todevelopabudgetandhowIcanassistotherstobudget’‘Strategiestouse’‘TherewerealotofthingsthatIdidn’tknow,likeforexample,howtobudgetproperly’‘ThethingsIdidn’tknowisthatbudgetingreallyhelpsyousaveheaps’‘Effectiveinformationabouttheartofbudgetingandhowyoucanreallysaveifyoureallywanttoaccomplishafuturegoal’‘Ilearnedthatbudgetingseriouslycanbuyyouahomein20+yearsandpayingamortgagelessthanafortnightlyrentfromarealestateproperty’
Above:Left:Cause/Effectresponsesto‘Whatdoyouknowaboutaclientexperiencingfinancialdifficulty?’(ServiceProvidertrainingacrossthreesites:Weipa,RioTintoandMapoon);Right:ResponsestohowYMtraininghasassistedinbudgetingknowledgeandskills.Theright-handcirclerepresentstheknowledgeand/orskillsgainedinthetraining.Theresponseshavebeendividedintotwocategories:thefirstrelatestospecificideasparticipantshadthatdirectlyrelatetobudgetingitself.Thesecondrelatestohowmindsetshavechangedtowardsmoneyorideastowardsactionintheareasofbeingprovidedwithtoolstochangeone’swayofthinking,thoughtsonhowlifeexperiencesimpactuponone’sfinancialsituation,howthetraininghasprovidedthetoolsforparticipantstocommunicateandtalkaboutmoneymatters,howtofindsupportandgoalsetting.CommentsfromRioTintoWiththeMobcentreduponanincreaseofknowledgeofhowtomanagemoney,betterunderstandandmanagetheirloans,andhowbudgetingmayalsoleadtobeinginapositiontoownahome.
KeyFinding[4]:Conditionsandenvironmentontrainingdayimpactupontrainingoutcomes.Theconditionsandnatureofthetrainingandparticipantgroupsmeantrainersneedtheflexibilitytotailortrainingandevaluationneedstosuitthetrainingenvironment.Theflowofatrainingsessionisimpactedbyanumberofconditions,whichwhenmet,allowsforthe‘yarn’todevelopbetweentrainersandparticipants.Theseconditionsprovideforasafe,uninterruptedtrainingenvironment.Thelogisticsofthetrainingrequires:communitybuy-inatastakeholderlevel(forparticipantnumbersandanappropriatetrainingspace),aquietroom,accesstoresources(computer,Internet),andparticipantswhoareabletostayforthedurationofthetraining.ThetrainersmetanumberoflogisticaldifficultiesindeliveringtrainingviaajobservicesorganisationinWeipa,whendeliveringtotwo,separategroups(ServiceProviderandWiththeMob)thatinvolvedstaffoftheorganisation.Wheretherewasstaffinteresttojointhetrainingontheday,thetrainersadaptedtofitmoreparticipants.Logistically,thismeantmovingtrainingroomstosuittheparticipantrequests.Thetrainersfelttheactivitiesweredisturbedbytheenvironmentinwhichthetrainingwasdelivered.Whilethetrainingwellreceivedoverall,distractionssuchasphonesringing,peoplewalkinginandoutofthereceptionarea,disturbedthe‘flow’oftheactivities,wheretrainersfeltthephysicalspaceimpacteduponthelearningoutcomes.Trainersmayalsohavelittletonocontrolovertheenvironmentinwhichtheydelivertrainingto.TheWiththeMobtrainingdeliveredtojobseekersfromtheNapranumAboriginalcommunitywasconductedinthejobnetworkshed.Therewereanumberofrestrictionsplacedonthetrainersonthisoccasionwheretherewasnoelectricity,tablesorInternetinthetrainingroom,andtimewaslimitedduetoanumberofparticipantsneedingtoleaveearlyontheday.Thetrainersadaptedtothechangeofconditions,andplacedtheparticipantsinsmallerworkinggroups.Thiswasaidedbythejobservicesorganisationbeingabletoprovidelaptopstoeachgroup,sotheMoneySmartbudgetactivitywasabletobedeliveredandworkedoninsmallgroups,insteadofalarge,singlegroupactivity.Duetotimeconstraints,thetrainerschosenottodeliverthephotonarrativeactivity.Itwasfeltbythetrainersthatthisimpactedupontheoverallflowofhowtheactivitiesbuildupononeanother,tocreateboththe‘yarn’andlearningoutcomes.TrainersnotedthatwithouttheopportunityforparticipantstosharetheirpersonalstoriesinthePhotoNarrative,thatthesubsequenttimelineactivitydidnotflowinthesameway.Thesmallgroupdynamicallowedfornewobservationsbythetrainers.Thetrainersfeltliteracyissuesmayhavearoseforsomeparticipants.However,theyalsoobservedthesmallgroupdynamicallowedforpeer-to-peerlearningtodevelopduringtheYarnin’MoneyWheelandMoneySmartbudgetactivity.Thetrainersobservedparticipantinteractionandhelpingeachotherthroughtheactivities,wherethetrainersactedinamuchmorehands-oncapacity,movingbetweenthegroupstoworkwiththemineachactivity.ThetrainersfeltthatmorepeoplehadtheopportunitytointeractwiththeMoneySmartbudget,wheregroupconversationscentredaroundindividualstories.OneparticipantmentionedhehadusedtheMoneySmartbudgetpreviously,andwasabletoassistotherparticipantsthroughtheactivity.TheparticipantmentionedhewasnotabletogainaccesstotheresourceonhisownduetonoInternetaccess,andwaspleasedtohavebeenprovidedthisresourcethroughthetraining.
TheMapoonWiththeMobtrainingdeliveryalsoexperienceddisruptionswhichrequiredthetrainerstoadapttocircumstance,whentraininginalargeworkshed,whereadogfightbrokeoutintheshedduringtraining.Distractionswerefurtherexacerbatedbypeoplecominginandoutoftheshedtomakecoffeeandphonesringing.Thetrainersfeltthatthedistractionsimpacteduponthetrainingflow,butdidnotimpactonbeingabletocreatethe‘yarn’.Thetrainersfeltthatliteracyissuesmayhavearisenduringthewrittenevaluationactivitiesandaskedforalternativeevaluativemethodswhichdoesnotrequirewritingforparticipants.Trainersnoted:“Youcanseethedifferencewhenthewholepresentationisnotdone.Theactualconceptcanbemissedasitisastep-by-stepprocessandifwegoaheadwithoutthewholeprogram,thenthewowfactor[‘a-ha’or‘teachablemoments’]andwhatitmeansmaybejeopardisedintheend.”However,whereconditionsandtrainingenvironmentaremet,thetrainersfeltthesequenceofactivitiesflowedbetter,leadingto‘a-ha’momentsandlearningoutcomes.TheRioTintoWiththeMob,NapranumServiceProviderandPormpuraawtrainingsessionswereorganisedwithparticipationbylocalstakeholdersandparticipantswereengagedinthetraining.Whiletrainingvenueswithgoodconditionsareideal,itisimportanttonotetheflexibilityandadaptabilityofthetrainerstodelivertheYarnin’Moneytraininginallenvironmentsandtoadiversesetofparticipants.KeyFindings[5&6]:Thetrainingdeliveryandactivitiescreateopportunitiesfor‘teachablemoments’;Thetrainingdeliveryandactivitiescreateopportunitiesfor‘teachablemoments’andtransformativelearningwithalinktoparticipantsexpressingself-efficacy.Thetrainingdeliveryandactivitiescreateopportunitiesfor‘teachablemoments’andtransformativelearning.Thereisanidentifiedlinkbetweenwhere‘teachablemoments’areidentifiedinatrainingsessionandparticipantsexpressingpre-contemplativeandcontemplativeself-efficacyforfinancialcapability.Thereisanidentifiedprogressionofhowteachablemomentsareidentifiedandoccur:• Themannerinwhichpersonal,familyandcommunityfinancialandconsumerissuesare
discussedandinterpretedviatheYarnin’Moneytraining,followedbyhowstudentsviewtheseissuesasaresultofthetraining;
• Theseareidentifiedastransformativelearningpoints,whicharediscussedbyparticipantsashavingtheinsightortoolstomakechangestohowtheyinteractormanagetheirpersonalfinances,aswellashowtheymayusethetoolstodiscussmoneywithfamily.
Figure4:Processofteachablemoments
Participantsgainknowledge
Participantshaveanempowerment
moment
Participantshaveanadditudinalchange
SelfEfficacyKnowingwithin
oneselfthatchangeispossible
Onecanbeempoweredtotake
stepstowardsbehaviouralchange
Teachablemomentshavebeenidentifiedbythetrainersasamomentoccurringinthetraining,whenparticipantshavean‘a-ha’moment,amomentofunderstandingorclarity.Thetrainersnotethattheycansee,feelorlocatewhenan‘a-ha’momentoccursforaparticipantorgroupofparticipants.TheyhavebeenidentifiedwithintheYarnin’MoneyWheelandMoneySmartbudgetgroupactivities,specificallyinhowparticipantsnotedthattheseactivitiesprovidetoolsforthemtouse,bothforthemselvesandwithfamilymembers.Akeythemearoseintheareaofhow,throughtheMoneySmartbudgetactivity,participantscametohavealargerunderstandingofhowmuchtheyspend,whentheywereabletoviewcostsandexpenditureoverlongerperiodsoftime.Trainerscommentedthatparticipantswere‘shocked’toseehowmuchtheyspentonitemswhencapturedasannualfigures.Thetrainersnotedthiscatalysedfurtherdiscussionbytheparticipantsofhowtheycouldmanageormitigatethosehighcostsbymakingsmall,personalchangesinspending.ArecurringthemearoseamongparticipantsspecificallyintheServiceProviderandRioTintotrainingsession,wheretheMoneySmartbudgetactivitycatalyseddiscussiononhomeownership.Thetrainersidentifiedtwoparticipantswhoexperienced‘a-ha’momentswhencompletingtheMoneySmartbudgetactivity.Intheseinstances,theparticipants(1-NapranumServiceProvider&2-RioTintoWiththeMob)identifiedadesireandmotivationtowantingtoenactapathwaytohomeownership.Thetrainersnotedadirectcorrelationbetweentheparticipants’involvementindoingtheirpersonalbudgetsMoneySmartbudgetactivityandtheparticipantcomments,wherediscussioncentredaroundacomparativeanalysisofthecostofrentingversusthecostofmakingmortgagerepayments.KeyFinding[7]:Participantsfeltthetrainingprovidesthemwiththetoolstohaveconversationswithfamilyandfriendsaboutmoney(positiveandmoredifficultconversationswereidentified).AkeythemearosearoundparticipantsexpressingthattheYarnin’Moneytrainingprovidedthemwiththetoolstobeabletohaveconversationswithfamilyandfriendsaboutmoney,inbothpositivewaysandinmoredifficultconversations.ParticipantsacrossboththeServiceProviderandtheWiththeMobtrainingsnotedthatthereareoftenculturalobligationsassociatedwithhowtheyhandletheirmoney,wherethereisoftenpressuretoshareorgivemoneytofamilymembers.DuringtheNapranumServiceProvidertraining(June20,2016),participantsnotedthey
• “don’twanttotalkaboutmoneyasitishardtosavebecausetheyarecontinuouslyaskedtoloanitoutwhichisboundupwithculturalissues”(Trainer2Observation).
• “everytimetheybroughtupthesubjectofmoneywithafamilymember,theywouldbetoldthatitwasnoneoftheirbusinessandtostayoutofit”(Trainer1Observation).
Thetrainersobservedthatparticipantssaidtheywerelookingformethodstobeabletodiscussmoneywithfamilymembers,andfelttheYarnin’MoneyWheelwasanappropriatetooltobeabletodoso.Thetrainersobservedconfidencebytheparticipantswhenusingthetool:
• “Theparticipantsthoughtthatsittingdowninanenvironmentwheretheycouldgothroughtheprocessofayarnandlookatthemoneywheel,andbytalkingaboutthings
outsidemoneyfirstandthencapturingthatwithinthewheelwasagoodapproach”(Trainer1Observation);
• “Theywereexcitedaboutusingthismethodwiththeirfamily”(Trainer1Observation)TheRioTintoWiththeMobtrainingyieldedsimilarresponses,wheretrainersdescribedtheparticipantsaspersonswithinacertainincomebracket.Discussionamongthegroupfocusedonhowtheparticipantscouldseekwaystobalanceculturalobligations(wheremoneyisconcerned)withhowtotakebettercontroloftheirownmoney.Herediscussionscentredupon“notdenyingculturalobligationsbuthowtousetheYarnin’Moneytoolstofindwaystohavetheconversationswithoutoffendingafamilymember”(Trainer2Observation).TrainersnotedparticipantresponsesthatthePhotoNarrative,Positive/NegativebehaviouractivityandTimelineactivitygavethemincreasedconfidenceto“havethatyarnwithfamily”whiletheMoneyWheelandMoneySmartbudgetgavethemphysicaltoolstocarryoutthoseconversations(Trainer2Observation).KeyFinding[8]:TherearechallengesmetbythecurrentevaluationstrategywhichrequiresremodelingtosuitbothtrainersandYarnin’Moneyparticipants.Theevaluationprocesshasbeenlimitedbyhowtheprogramisstructured,andhowoftenYarnin’Moneyteammembersareabletotraveltoremotecommunities(limitationsoffundingforongoingtravel).Theselimitationsimpactonhowevaluativedatamaybecollectedandbywhom.Thestructureoftheprogramoriginallyprovidedfor2xtripstoeachidentifiedcommunity,whereuponthefirsttrainingdeliverywastobedeliveredtoServiceProviders,withthesecond,subsequentvisittodeliverthe‘WiththeMob’training.TheoriginalevaluationstrategysoughttohavetheYMtrainerscarryouton-siteevaluationsatthetimeoftraining,withanopportunitytocarryoutfollowupevaluationsonmediumandlongertermimpactsoftheprogram,atthesecondvisittothesamecommunity.However,duetochallengesmetinparticipantnumbersearlyonintheprogram,changesweremadetohowthe2xcommunitytripswerecarriedout,whichhasimpactedontheoriginalevaluationstrategy.Inseekingtomeetthechallengesofraisingparticipantnumbersineachtraining,achangewasproposedtohowthe2xcommunitytripswouldbecarriedout.Apre-engagementtriptotheWesternCapeareawasconductedbythetrainertoengagestakeholdersandcommunitybuy-in.Thepre-engagementtripwasfoundtobesuccessful,raisingparticipantnumberssignificantly.Uponthesecondtriptotheregion,severaltrainingdeliverieswereconductedinpartnershipwithlocalstakeholderorganisations.Theevaluationstrategywasembeddedintothetrainingdeliverycomponentprogramattheonset:trainersweretocarryoutthebulkoftheevaluationon-site,withthehopeofbeingabletoconductfollowupinterviewswithpasttrainingparticipantsuponthesecondtrip.Incorporatingthenecessarypre-engagementtripintotheprogramhasimpacteduponhowtheoriginalevaluationstrategywastobeconducted,asfundingdoesnotpermitathirdtripbacktothecommunityforevaluationfollowup.Trainersnoteddifficultiesinbeingabletodelivertrainingandsimultaneouslyconductevaluations,withdifficultiesmetinbeingabletobalancetheirfocusonthetrainingcontentandbuildingtrustfromtheonsetofeachtrainingsession,withtheevaluativerequirements.Trainersnotedthatthenatureofsomeevaluativeactivitiesorthewaythetoolswereimplementedneededtochange,inordertosuitthetrainingenvironmentandparticipantneeds.Ongoingworkhasbeenconductedtoensurethereisanunderstandingoftheneedfor
evaluationtoincludetrainers’viewsofwhattheyseeasappropriateandachievablemethodologies.Duetoissuesarisingwithseekingtoimplementtheoriginalmaterials,thesehavebeenreviewedinthisreportingperiod.Thekeyissuehighlightedintheevaluationspaceisthechallenges,particularlyforIndigenouspeoples,whenthereisaperceivedsensebyparticipantsthattherearestringsattachedtothetrainingTrainersnotedasenseofuneasebyparticipantswhentheparticipantsurveyswereprovided,andnotedresponsesbyparticipantsthattheevaluativerequirements(ParticipantSurvey)underminesthetrustrelationshipbuiltinthetrainingandofitself,underminestheirtrainingoutcomes.Theissuesdescribedabovenoteaconsistentthemeofchallengesmetinseekingtoevaluatetheprogram.Trainershighlightedthatevaluationrequirementsareattimesonerous,interruptingtheflowofdelivery.Thesurveysseektogainaninsightintoeffectiveness:whetherornotthetrainingpromotesself-efficacyinfinancialcapability,ifandwhatkindsofnewknowledgeandskillsarelearned,aswellastomeasuretrainingefficiency.Inreviewingparticipantsurveyresponses,itisclearthattherearechallengestohowparticipantsarefillingoutthesurveysthemselves(discussedbelow).Ithastakentimetotesttheevaluationtoolsandtounderstandthechallengesmetbythecurrentevaluationstrategy.ThetestingofthetoolsinYear2suggestthatthecurrentevaluationrequiresremodelingtosuitbothtrainersandYarnin’Moneyparticipants.MeasurementtoolsAttheonsetoftheprogramfourevaluativetoolswerecreatedtomeasurethreekeyareas:qualityfeedback,contextdataandprojectimpact:
• ParticipantSurvey–Qualityfeedbackisinputtedintotheprogramfromtrainingparticipantsforpurposesoftesting:internalandexternalindicators;
• KeyInformantSurvey(“CommunityPerspective”)–Inadditiontodesktopresearch,contextdataisprovidedviaacommunityperspectivesurvey,allowingtheprogramtogaininsightintoacommunity’scontextualsocialandculturalconditions;
• TrainerFieldNotesForm–Projectimpact–whatwasobservedbythetrainersduring/aftertrainingdelivery;
• TrainerObservationForm–Projectimpact–whatwasobservedbythetrainersduring/aftertrainingdelivery.
Inthereportingperiod,datacollectedviathesetoolshaveassistedICANtoexamineeachtool’svalidity19,20(referringto‘thequalityoftheinferences,claims,ordecisionsdrawnfromthescoresofaninstrument’21).
19Zappalla,Gianni.2014.20TriangleConsulting.2015.‘ValidityandreliabilityoftheOutcomesStar.’21Chen,Eric.2002.‘Standardsandguidelinesforvalidationpractices:developmentandevaluationofmeasurementinstruments.’Validityandvalidationinsocial,behavioural,andhealthsciences.SocialIndicatorsResearchSeries54.Switzerland:SpringerInternationalPublishing.
Observation&FieldNotestoolsAttheonsetoftheprogram,thefourtoolswerecreatedasamethodtomeasurethevalidityofthefindings.Triangulatingthedatacollectedfromeachtoolwouldpresentperspectivesof1)thetrainingsessions(bybothparticipantsandtrainers)and2)thewidercommunitycontextinwhicheachtrainingsessionoccurs(fromtheperspectivesofbotha‘keyinformant’fromeachcommunityandthetrainersintheirobservationsandfieldnotes).TheTrainersnotedthattheObservationFormandTrainer’sFieldNotestoolswerenotsuccessfulmethodsofcapturingdata:
• Trainersexpressedthattryingtocapturerealtimeobservationunderminedthepotentialpositiveoutcomesthatresultfromtrainingbuiltonthedevelopmentofatrustrelationship;
• TrainerssetouttocaptureboththetrainingsessionobservationformandTrainer’sfieldnotesaftertrainingsessions;
• Attimes,thereweredelaysincapturingtheabovedata,whichaffectedbeingabletorecall‘real-time’observations;
• WritingouteachformwasonerousontheTrainers,andtheyrequestedanalternativemethodortooltocapturethesetwopiecesofdata;
Analternativemethodwasimplementedinthereportingperiod.Trainersmovedtoasharedvoicerecordingoftheirobservations,conductedposteachtrainingsession.Aportablerecordingdevicewasprovidedtothetrainersinearly2016.Thetrainersusethedevicepost-trainingtoanswerquestionsoutlinedinthe‘ObservationForm’,whicharethentranscribed.Thetrainersnotethenewmethodhaspresentedanopportunitytodebriefpost-training,whichhasbeenavaluablewayforthemtoreviewwhatworked,whathasn’tworkedandwhy.Therecordingscreateadetailedoverviewofhighlightsandchallengesmetintraining,allowingforthetrainerstodisseminatethisinformationanddiscusstheissues.Itisausefultooltounderstandlogisticsofthetrainingday,providesthoughtfulcommentarybythetrainersonissuesarising,aswellasacomparativeanalysisofsimilaritiesordifferencesbetweentrainingdeliveriesacrossdifferentcommunitiesandcontexts.ParticipantSurveyThetrainershaveexperiencedvaryingresponsestotheParticipantSurveytool,notingthattherehavebeeninstanceswherechallengesweremetbyparticipantsin:
• Notwishingtofilloutthesurvey;• Participantsstating,theyfeltthesurveymeanttherewere‘stringsattached’tothe
training,impactinguponthetrustbuiltduringtraining;• Possibleliteracyissues.
Thesemaybeexplainedbytheparticipantresponses:
• Surveyresponsesattimesleftblank;• Questionsseekingtolocatehowaparticularskilllearnedinthetrainingwillbe
implementedpost-training–haveresponsessuchas:‘Agree’;‘Yes’;‘Budgeting’;
• Questionsseekingtolocateiftherebeenanythinginthistrainingthathaschangedone’sviewofmoney/financialsituations–repeatedresponsessuchas:‘Budgetmymoney;‘Savemoney’.
However,theparticipantsurveyhasalsoyieldedthoughtfulresponsesforhowthetraininghasimpacteduponparticipantsinpositiveways.Respondentsnotedinterestinthematerial,statingthattheirviewsofmoneyandhowtomanageithadchangedasaresultofthetraining.Weipa–WiththeMobtraining,Sept.1,2016
• Itwasgood,showushowtoBudge[t]money–P4,WiththeMob,Weipa,Sept.1,2016;• ThefeelingIgottodayfromthisworkshop,isthatchangingourwayandlivingabetterviewof
spending,savingcanbereachbysettinggoal–P6,WiththeMob,Weipa,Sept.1,2016;• Veryinterestingtomemaybeitwillhelpme&myfamilymemberstobudgetsomemoneyasidefor
ourchildren&comingfuture;Anditsalsogood;Valueofmoney–P7,WiththeMob,Weipa,Sept.1,2016;
RioTinto–WiththeMobtraining,June22,2016
• Ithaschangedmyviewalot–P2,RioTinto,Weipa,June22,2016;• Ihadanidea(sortof)aboutbudgeting.Bydoingthistrainingithascleareditupandmadeiteasier
tounderstandtheimportanceofsaving&budgeting–P2,RioTinto,Weipa,June22,2016• Yesitgavemealittlebitofunderstandinghowtobudget&howmuchwereallyspend–P4,RioTinto,
Weipa,June22,2016;• Savingisbetterthentakingoutaloan,Besttoownthingsoutright,Cutdownonwants–P7,Rio
Tinto,Weipa,June22,2016;• MademefeelthatIcanmakebigchangeshowtobudgetinthefuture–P8,RioTinto,Weipa,June
22,2016;• It’schangedmypersonalviewofhowtobudgetormanagemoneyproperly–P10,RioTinto,Weipa,
June22,2016;Napranum–ServiceProvidertraining,June21,2016
• Yes,IfeelIhaveatooloragroundtostandontoallowstrengthtoovercomemyweaknesses–P1,Napranum,June21,2016;
Weipa–ServiceProvidertraining,September1,2016
• IfeellikeIhaveaged5years.I’m20worryingaboutfinancial.Ilovedthecourse.Awesomepresentersbringsuchagoodvibe,IhavetakenalotfromthecoursewhichisjustwhatIwanted–P1,Weipa,September1,2016;
• WillbenefitmypeopleinmycommunityofNapranum.Realityofabreakdownofbudgetingourmoneyforthefuture[ReferstoMoneySmartbudgetingtooldeliveredintraining]–P2,Weipa,September1,2016;
• Theimportanceoffinancialcontrol–P4,Weipa,September1,2016.Theteamislookingatamoreholisticapproachtoembeddingparticipantresponsesintothetrainingdeliveryitself,withoutrequiringparticipantstofillinawrittenresponseattheendofeachtrainingsession.
FurtherevaluationchallengesTodate,therehavebeendifficultiesincarryingoutpost-training,follow-upsurveyswithcommunityresidents.Anumberofissueshavearisenwhichhaspresentedchallengesinhowfollowupworkwastobeconducted.Theseinclude:
1. AnumberofpersonsundertakingServiceProvidertrainingintheNorthernPeninsulaAreawerelocatedinonecommunityorganisation.Post-training,thecommunityorganisationexperiencedhighturn-overandanumberoftheparticipantsnolongerworkedattheorganisation.Onepersonleftthecommunity.
2. ParticipantsfortheWiththeMobtrainingdeliveredtotheNorthernPeninsulaArea
weresourcedfromjobseekersconnectedwithajobservicesorganisation.Inthisinstance,tenparticipantsweresuppliedtotheYMtrainingbytheorganisation.Emailaddressesorcontactphonenumberswerenotsuppliedfortheevaluatortoconductfollowupworkwiththeparticipants.Theevaluatorsoughttocontactparticipantsthroughthejobnetworkitselfandothernetworks,withnoresponsetodate.
3. In2016,contactdetailsforparticipantswerecollectedduringYMtrainingsessions.
Severalphonecalls,voicemessagesandtextmessageswereplacedtoseekfollowupinterviews.Afternotreceivingresponses,itwasfeltthatcold-callingparticipantstocarryoutfollowupsurveyswasnotappropriate.Theteamisworkingonamorecoordinatedapproachinvolvingcommunitystakeholderstocontactingformerparticipantsforfollowupwork.
FutureEndeavoursIn2017,ICANwillseektounderstandhowtheYarnin’Moneytrainingcreatedimpactforstudentparticipantsinthreekeyareas.Specifically,ICANwillseektounderstandhowtheYarnin’Moneytrainingcreatedimpactforstudentparticipantsinthreekeyareas.Specifically,itwillendeavortounderstand:ifthetrainingresultedin:anewthoughtprocessand/oruptakeofpersonalorfamilybudgetsandwhy;ifthetrainingpromptedfinancialconversationswithfamilyand/orfriends;andwhatkindsoffinancialskillshavebeenabletobeputintopractice;Inthelastyearoftheprogram,followupsurveyswillbeconductedwithformerYMparticipants.Thefollowupworkwillinvolvethewholeteam,inordertoensureacoordinated,culturallysafeapproachtoconductingthesurveys.FollowupsurveyswillbeconductedwithstudentparticipantsoftheYarnin’Moneyprogram.Thesurveyswillseektoaskthefollowingquestions:
1. Didthetrainingpromptyouhavefinancialconversationswithfamilyandfriends?
2. Asaresultofthistraining,inwhatwayshaveyou(ordoyou):a) Thoughtdifferentlyaboutmoneyorissuesaffectingmoney?Inwhatways?b) Doanythingdifferentlywithyourmoney?ie.Howyouspend,save,purchasegoods;c) Thoughtaboutkeepingabudget?
d) Doyounowkeepabudget–personal,orafamilybudget?e) Ifyes,whyhasbudgetingbecomeimportanttoyou?
3. Whatotherfinancialskillshaveyoubeenabletoputintopractice?/Whatkindsof
habitshaveyouchanged,asaresultofdoingtheYarnin'MoneyTraining?
4. ArethereanyotherwaysinwhichtheYarnin’Moneytraininghasmadeapersonalimpact(influenceoraneffect)onyou?
Recommendations:
1. ReviewhowevaluationworkisconductedinYear3;
2. Seekalternatewaystocaptureparticipantresponses,embednewevaluationactivitiesintotrainingsessions,whilemaintainingconsistency;
3. Explorea‘before-after’activity(inadditiontoknowledge‘circle’tools)intothetrainingdeliveryitself;
4. SeektoattachfollowupworkwithothercommunityvisitsinotherICANprogramareas;
5. Seektoinvolveevaluativetasksattheonsetofcommunitystakeholderengagement,whereevaluationfollowupmaybeconductedwithstakeholderinvolvement;
6. Casestudiesaretobecollectedandexaminedwhere‘teachablemoments’wereidentifiedasimpactinguponidentifiedparticipants;
7. Anexaminationofthebuildingblocksoflearningandstorytellingaspedagogy.
Measuring‘Effectiveness’CodingKey
Weipa–RioTintoemployees[June22,2016]Q.1Inthinkingofhowyoufeltbeforeyoutookthistrainingtoday,hastherebeenanythinginthistrainingthathaschangedyourviewofmoney/financialsituations?Ifyes,pleaselist.Participant1(WRTR-1)
Ithaschangedmyviewalot
Participant2(WRTR-2)
Ihadanidea(sortof)aboutbudgeting.Bydoingthistrainingithascleareditupandmadeiteasiertounderstandtheimportanceofsaving&budgeting
Participant3(WRTR-3)
Yeshowtobudgetmoney
Participant4(WRTR-4)
Yesitgavemealittlebitofunderstandinghowtobudget&howmuchwereallyspend
Participant5(WRTR-5)
Yes–howtobudgetingmoney
Participant6(WRTR-6)
Loana[nd]payments
Participant7(WRTR-7)
-Savingisbetterthentakingoutaloan-Besttoownthingsoutright-Cutdownonwants
Participant8(WRTR-8)
MademefeelthatIcanmakebigchangeshowtobudgetinthefuture
Participant9(WRTR-9)
HowmuchmoneyI’vespentwithoutrealizingtheeffectslater
Participant10(WRTR-10)
It’schangedmypersonalviewofhowtobudgetormanagemoneyproperly?
Participant11(WRTR-11)
Budgetingisveryimportant!
Participant12(WRTR-12)
JustlookcarefullyintowhatIspentmymoneyon
Participant13(WRTR-13)
Yes.Moneymanagement,loanrepayments,Interestonloans,rates.
Participant14(WRTR-14)
Nocoms.
Participant15(WRTR-15)
-Learnthowtobudget.-Controlloan-Understandableofinterested.
Q.2Towhatextentdoyoufeelthistraininghasgivenyouknowledgeandskillsto:
1) Confidencetodiscussmoneywithsomeone(Family,friends,localcommunityworker,financialcounsellorand/orpersonalsituation)
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
(WRTR-1) X (WRTR-2) X (WRTR-3) X (WRTR-4) X (WRTR-5) X (WRTR-6) X (WRTR-7) X (WRTR-8) X(WRTR-9) X(WRTR-10) X(WRTR-11) X (WRTR-12) X (WRTR-13) X (WRTR-14) X(WRTR-15) X
2) Knowledgetobeabletoseek/accessinformationincludingwheretogethelpandsupportformoney/financial-relatedissues:
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
(WRTR-1) X (WRTR-2) X (WRTR-3) X (WRTR-4) X (WRTR-5) X (WRTR-6) X (WRTR-7) X (WRTR-8) X (WRTR-9) X(WRTR-10) X(WRTR-11) X (WRTR-12) X(WRTR-13) X (WRTR-14) X(WRTR-15) X
3) Skillstothinkaboutand/orbettermanagemoney: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
Agree(WRTR-1) X(WRTR-2) X (WRTR-3) X (WRTR-4) X (WRTR-5) X (WRTR-6) X (WRTR-7) X
(WRTR-8) X (WRTR-9) X(WRTR-10) X(WRTR-11) X (WRTR-12) X(WRTR-13) X(WRTR-14) X(WRTR-15) X
Q.3Howwillyouusetheskillslearnedfromthistraining?
(WRTR-1) Accessingtheusbstickthatwasgiven/providedandwebsite*(WRTR-2) Iwilldefinitelybeusingthebudgetingtoolgiventohelpme
accomplishmygoals.Thankyou!(WRTR-3) Howtosavingmoney(WRTR-4) Wisely(WRTR-5) CutdownonthingsthatIwant(WRTR-6) Yes(WRTR-7) CutdownonthingsthatIwant(WRTR-8)** --(WRTR-9) -Sharewithothers
-Putitintoaction(WRTR-10) Iwouldusetheskillstoteachmyself,children&family/families(WRTR-11) Monthlybudgetingtables(WRTR-12) Manageandsavemoreofmymoneyathomewithmyfamily(WRTR-13) Yesitwillbeanecessitytomymoneymanagementnow(WRTR-14) Talkaboutit.(WRTR-15) CutdownonthingsthatIwant
*ReferstoMoneySmartwebsite&budgetingtooldeliveredintraining.**[Noresponseprovided]Q.4Couldyoulistanyhighlightsfromthistraining,thatstoodoutforyou?
(WRTR-1) Noeverythingwasusefulandhandy(WRTR-2) Definitelythebudgetingcalculationprogram*.Ithinkitisgoingto
makemybudgetingalotclearer(WRTR-3) CutdownthingIwant(WRTR-4) BUDGETING(WRTR-5) MoneySurveybudget*wasgreat(WRTR-6) Budgetingskills(WRTR-7) MoneySmartbudgetwasgreat(WRTR-8) Budgeting(WRTR-9) Thewholeofthetrainingwasaneyeopenerformefrommypast
tonow.Inowhavechildreninmycareit’saverybigdifference.“Budgetisnowimportanttome”
(WRTR-10) Budget(WRTR-11) Calculatinginterest(WRTR-12) Planningmyyearspendingandsaving(WRTR-13) Budgetingskillswasexcellent.
Interestrates.Knowledge.Moneysaving.
(WRTR-14) Learningandlistening
(WRTR-15) MoneySmartbudgetted*ReferstoMoneySmartbudgetingtooldeliveredintraining.Q.5Wouldyoulikefurthersupportinotherareasrelatingtoyourclientand/orself?Checkallthatapply
SeekinghelpfromICANrelatingtoafinancialissuetohelpafamilymember,friendorcommunitymember
SeekingsupportfromICANrelatingtoapersonalfinancialissue
Seekingfurthertraininglikethisoneforyourself
WouldliketostayintouchwithICANrelatingtoanyfuturefinancialliteracytraining
(WRTR-1) X
(WRTR-2)*
(WRTR-3) X X X X
(WRTR-4) X (WRTR-5) X X X X
(WRTR-6) X
(WRTR-7) X X X X
(WRTR-8) X X X
(WRTR-9) X
(WRTR-10) X X X X
(WRTR-11) X
(WRTR-12) X X
(WRTR-13) X
(WRTR-14) X
(WRTR-15) X X X X*[Noresponseprovided]
Napranum[June21,2016]ServiceProviderTrainingQ.1Inthinkingofhowyoufeltbeforeyoutookthistrainingtoday,hastherebeenanythinginthistrainingthathaschangedyourviewofmoney/financialsituations(eitheraclient’sorapersonalsituation)?Ifyes,pleaselist.Participant1(NSP-1)
Yes,IfeelIhaveatooloragroundtostandontoallowstrengthtoovercomemyweaknesses
Participant2(NSP-2)
Financialsituation
Participant3(NSP-3)
Q.2Towhatextentdoyoufeelthistraininghasgivenyouknowledgeandskillsto:
1) Confidencetodiscussmoneywithaclientand/orpersonalsituation: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
AgreeNSP-1 XNSP-2 X NSP-3 X
2) Knowledgetobeabletoseek/accessinformationincludingwheretogethelpandsupportformoney/financial-relatedissues:
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
NSP-1 XNSP-2 X NSP-3 X
3) Skillstothinkaboutand/orbettermanagemoney: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
AgreeNSP-1 XNSP-2 X NSP-3 X
Q.3Howwillyouusetheskillslearnedfromthistraining?
NSP-1 ByeducatingmyfamilyonthisNSP-2 Toassistpeopleincommunitywhomayhaveissueswith
budgetingmoneyNSP-3 Tellthefamiliesinthecommunity
Q.4Couldyoulistanyhighlightsfromthistraining,thatstoodoutforyou?
NSP-1 ChangingmymindsetfromNegativetoPositiveonmoneyhandling&budgeting
NSP-2 MoneytreeBudgettable
NSP-3 1)Howtobudgetmoney2)howtobuyyourownhome
Q.5Wouldyoulikefurthersupportinotherareasrelatingtoyourclientand/orself?Checkallthatapply
SeekinghelpfromICANrelatingtoafinancialissueIamhelpingaclientwith
SeekingsupportfromICANrelatingtoapersonalfinancialissue
Seekingfurthertraininglikethisoneformyclients
WouldliketostayintouchwithICANrelatingtoanyfuturefinancialliteracytraining
NSP-1 X X
NSP-2 X X
NSP-3* *[Noresponseprovided]Pormpuraaw[September20,2016]ServiceProviderTrainingQ.1Inthinkingofhowyoufeltbeforeyoutookthistrainingtoday,hastherebeenanythinginthistrainingthathaschangedyourviewofmoney/financialsituations(eitheraclient’sorapersonalsituation)?Ifyes,pleaselist.Participant1(PSP-1)
Identifyingwheremoneyisspent
Participant2(PSP-2)
Thereisalotofhelpifyouknowwheretolook
Participant3*(PSP-3)
*[Noresponseprovided]Q.2Towhatextentdoyoufeelthistraininghasgivenyouknowledgeandskillsto:
1) Confidencetodiscussmoneywithaclientand/orpersonalsituation: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
AgreePSP-1 XPSP-2 XPSP-3 X
2) Knowledgetobeabletoseek/accessinformationincludingwheretogethelpandsupportformoney/financial-relatedissues:
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
PSP-1 XPSP-2 XPSP-3 X
3) Skillstothinkaboutand/orbettermanagemoney: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
AgreePSP-1 XPSP-2 XPSP-3 X
Q.3Howwillyouusetheskillslearnedfromthistraining?
PSP-1 DoabudgetformyselfandtheclientPSP-2 Applyingtheminmyownpersonalsituation&seekingmore
informationinanefforttohelpthemPSP-3 Whenspeakingwithaclients.Andgettingthemtobeactively
involvedQ.4Couldyoulistanyhighlightsfromthistraining,thatstoodoutforyou?
PSP-1 AllthatwaslistedindoingupthebudgetlistPSP-2 Overallgood,greatresourcestogoawaywithPSP-3 Selectingphotoandexplainingwhatitmeanttome
Q.5Wouldyoulikefurthersupportinotherareasrelatingtoyourclientand/orself?Checkallthatapply
SeekinghelpfromICANrelatingtoafinancialissuesIamhelpingaclientwith
SeekingsupportfromICANrelatingtoapersonalfinancialissue
Seekingfurthertraininglikethisoneformyclients
WouldliketostayintouchwithICANrelatingtoanyfuturefinancialliteracytraining
PSP-1 X X X X
PSP-2*
PSP-3* *[Noresponseprovided]Weipa–MyPathway[August30,2016]MyPathwayServiceProviderTrainingQ.1Inthinkingofhowyoufeltbeforeyoutookthistrainingtoday,hastherebeenanythinginthistrainingthathaschangedyourviewofmoney/financialsituations(eitheraclient’sorapersonalsituation)?Ifyes,pleaselist.Participant1(WSP-1)
IfeellikeIhaveaged5years.I’m20worryingaboutfinancial.IlovedthecourseAwesomepresentersbringsuchagoodvibe,IhavetakenalotfromthecoursewhichisjustwhatIwanted
Participant2(WSP-2)
WillbenefitmypeopleinmycommunityofNapranum.Realityofabreakdownofbudgetingourmoneyforthefuture*
Participant3(WSP-3)
YesthisYarnin’Moneywouldhavebeenidealformyhusband–ashedon’tknowthevalueofmoney
Participant4(WSP-4)
Theimportanceoffinancialcontrol
Participant5**(WSP-5)
--
Participant6**(WSP-6)
--
Participant7(WSP-7)
Notreallyinterestedduetocareerprospectsnothappening
*ReferstoMoneySmartbudgetingtooldeliveredintraining**[Noresponseprovided]
Q.2Towhatextentdoyoufeelthistraininghasgivenyouknowledgeandskillsto:1) Confidencetodiscussmoneywithaclientand/orpersonalsituation:
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
WSP-1 X WSP-2 XWSP-3 XWSP-4 X WSP-5 XWSP-6 X WSP-7 X
2) Knowledgetobeabletoseek/accessinformationincludingwheretogethelpandsupportformoney/financial-relatedissues:
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
WSP-1 X WSP-2 XWSP-3 XWSP-4 X WSP-5 XWSP-6 X WSP-7 X
3) Skillstothinkaboutand/orbettermanagemoney: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
AgreeWSP-1 X WSP-2 XWSP-3 XWSP-4 X WSP-5 XWSP-6 X WSP-7 X
Q.3Howwillyouusetheskillslearnedfromthistraining?
WSP-1 I’mnotsure.I’m20soI’mstilllearningtheropesbutIstillhaveanideawhatfinancialsaving,andhowtobudget
WSP-2 StartmychildrenoffonbusinessventuresWSP-3 TalktofamilymembersandfriendsontheimportanceofmoneyWSP-4 GoinghometodomybudgetWSP-5 Tohelpeducatepeopletosavemoneyorlivecomfy.WSP-6 BudgetingWSP-7 Toworkoutabudget
Q.4Couldyoulistanyhighlightsfromthistraining,thatstoodoutforyou?
WSP-1 TheExcelspreadsheet*reallygoodOpenedmeuptobudgetingbetter
WSP-2 --WSP-3* Justtheimportanceandthevalueofmoney.
HowsomepeopletakesforgrantedWSP-4 Thebudgetstuff
WSP-5 --WSP-6* ActivitiesWSP-7 Thebudgettoolsonspreadsheet**
*[Noresponseprovided]**ReferstoMoneySmartbudgettooldeliveredintrainingQ.5Wouldyoulikefurthersupportinotherareasrelatingtoyourclientand/orself?Checkallthatapply
SeekinghelpfromICANrelatingtoafinancialissuesIamhelpingaclientwith
SeekingsupportfromICANrelatingtoapersonalfinancialissue
Seekingfurthertraininglikethisoneformyclients
WouldliketostayintouchwithICANrelatingtoanyfuturefinancialliteracytraining
WSP-1 X X X X
WSP-2 X WSP-3 X
(Husband)
WSP-4* WSP-5 X X
WSP-6* X X X X
WSP-7 X X X X*[Noresponseprovided]Weipa–MyPathway[September1,2016]MyPathwayWiththeMob(Resident)TrainingQ.1Inthinkingofhowyoufeltbeforeyoutookthistrainingtoday,hastherebeenanythinginthistrainingthathaschangedyourviewofmoney/financialsituations(eitheraclient’sorapersonalsituation)?Ifyes,pleaselist.Participant1(WR-1)
Yesandhelpmehowtosavemoney
Participant2(WR-2)
Ifeltgood.Helpandsupportonhowtosavemymoney
Participant3(WR-3)
Yes,howIspendmymoney
Participant4(WR-4)
Itwasgood,showushowtoBudge[t]money
Participant5*(WR-5)
--
Participant6(WR-6)
ThefeelingIgottodayfromthisworkshop,isthatchangingourwayandlivingabetterviewofspending,savingcanbereachbysettinggoal
Participant7(WR-7)
Veryinterestingtomemaybeitwillhelpme&myfamilymemberstobudgetsomemoneyasideforourchildren&comingfuture.AnditsalsogoodValueofmoney
Participant8(WR-8)
BUDGETEXPENDITURE
*[Noresponseprovided]
Q.2Towhatextentdoyoufeelthistraininghasgivenyouknowledgeandskillsto:1) Confidencetodiscussmoneywithaclientand/orpersonalsituation:
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
WR-1 X WR-2 XWR-3 X WR-4 XWR-5 X WR-6 XWR-7 XWR-8 X
2) Knowledgetobeabletoseek/accessinformationincludingwheretogethelpandsupportformoney/financial-relatedissues:
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
WR-1 X WR-2 X WR-3 X WR-4 X WR-5 X WR-6 X WR-7 XWR-8 X
3) Skillstothinkaboutand/orbettermanagemoney: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
AgreeWR-1 X WR-2 X WR-3 X WR-4 XWR-5 X WR-6 XWR-7 XWR-8 X
Q.3Howwillyouusetheskillslearnedfromthistraining?
WR-1 HowIcanbudgetWR-2 HowtosaveingmoneyandBudgartingWR-3 TrytosetupabudgetWR-4 Savemoney,budge[t]moneyWR-5 HowtobudgetWR-6 IstolivetheskillstoreachourgoalWR-7 SacrificemyselfWR-8 Howtosave
Q.4Couldyoulistanyhighlightsfromthistraining,thatstoodoutforyou?
WR-1 SavingmoneyWR-2* --WR-3 Butgetsheet
WR-4 MoneyWheelWR-5* --WR-6 TheMoneyWheel,wassogoodbecauseitshowedthatthingscan
workoutWR-7 HowmuchmoneywespendeveryyearWR-8 BUDGET
EXPENDITURE*[Noresponseprovided]Q.5Wouldyoulikefurthersupportinotherareasrelatingtoyourclientand/orself?Checkallthatapply
SeekinghelpfromICANrelatingtoafinancialissuesIamhelpingaclientwith
SeekingsupportfromICANrelatingtoapersonalfinancialissue
Seekingfurthertraininglikethisoneformyclients
WouldliketostayintouchwithICANrelatingtoanyfuturefinancialliteracytraining
WR-1 X
WR-2 X X X
WR-3 X
WR-4* WR-5 X
WR-6*
WR-7 X X X X
WR-8 X X X X*Noresponseprovided
NAPRANUM[August31,2016]WiththeMob(Resident)TrainingQ.1Inthinkingofhowyoufeltbeforeyoutookthistrainingtoday,hastherebeenanythinginthistrainingthathaschangedyourviewofmoney/financialsituations?Ifyes,pleaselist.Participant1(NR-1)
Eatlesstakeoutandmakemylunch
Participant2(NR-2)
Nothingofnote.
Participant3(NR-3)
Agree
Participant4(NR-4)
Yes,howtobudgetmymoneymore
Participant5*(NR-5)
--
Participant6*(NR-6)
--
Participant7(NR-7)
Ialreadyknewaboutitandamwiseraboutmore
Participant8(NR-8)
IcanworkonmysavingeasierthanIthought
Participant9(NR-9)
YesjusttowatchwhereyourmoneygoandtryandsavesomemoneyeverypaydaysoIcangetsomethinggoodformyself.AndtogiveupsomeofthebadthingsIdo,tosavemoney
Participant10 Verygood
(NR-10) YesshowinghowmuchmoneyIspendParticipant11(NR-11)
Verygood
Participant12*(NR-12)
--
*[Noresponseprovided]Q.2Towhatextentdoyoufeelthistraininghasgivenyouknowledgeandskillsto:
1) Confidencetodiscussmoneywithsomeone(Family,friends,localcommunityworker,financialcounsellorand/orpersonalsituation)
StronglyDisagree
Disagree NeitherAgreeorDisagree
Agree StronglyAgree
(NR-1) X (NR-2) X (NR-3) X(NR-4) X (NR-5)* (NR-6) X(NR-7) X (NR-8) X(NR-9) X(NR-10) X (NR-11) X (NR-12) X
(MoreofhowIcanmanagemymoney)
2) Knowledgetobeabletoseek/accessinformationincludingwheretogethelpandsupport
formoney/financial-relatedissues: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
Agree(NR-1) X (NR-2) X (NR-3) X (NR-4) X (NR-5)* (NR-6) X (NR-7) X (NR-8) X (NR-9) X (NR-10) X (NR-11) X (NR-12) X
3) Skillstothinkaboutand/orbettermanagemoney: Strongly
DisagreeDisagree NeitherAgree
orDisagreeAgree Strongly
Agree(NR-1) X (NR-2) X (NR-3) X (NR-4) X(NR-5)* (NR-6) X
(NR-7) X (NR-8) X (NR-9) X(NR-10) X (NR-11) X (NR-12) X
*[Noresponseprovided]Q.3Howwillyouusetheskillslearnedfromthistraining?
(NR-1) Toimprovemybudgeting(NR-2) Tohelpmemanagemyfinances(NR-3) Agree(NR-4) Savemoremoney(NR-5) Mayusebudgetwheeltodofurtherbudgeting(NR-6) Savingmymoney(NR-7) WatchingwhatIspend
Learningtosavealotbetter(NR-8) Saving&havingabetterlifestyle(NR-9) JusttothinkandwatchhowIspendmymoney(NR-10) Helpothers(NR-11) Keepdoingitagainandmakechange(NR-12) Tomanagehowtospend
Q.4Couldyoulistanyhighlightsfromthistraining,thatstoodoutforyou?
(NR-1) Thegraphwhereyouputyourplanintosections*(NR-2) Powerpointpresentation**,thebudgetworksheet*(NR-3) Agree(NR-4) SavemoneyforthingIwantthemost&I’llgetit(NR-5) Wasn’tboring
Flowedatalearninglevel(NR-6) Monitoringmymoney(NR-7) Learninghowtospendmoneycarefully(NR-8) TheWheel
ThespeechTheexerciseonthelaptop*
(NR-9) HowmuchmoneyIspendinayear(NR-10) Allofit(NR-11) MoneySmartBudge[t]
Yarnin’MoneyWheelHowmuchwespendingnow,trynottospendtoomuch!Savealittlebitpocketmoney“Learnsomethingnewtoday”
(NR-12)*** --*ReferstoMoneySmartbudgettooldeliveredintraining**ReferstoMoneyWheelactivity***[Noresponseprovided]
Q.5Wouldyoulikefurthersupportinotherareasrelatingtoyourclientand/orself?Checkallthatapply
SeekinghelpfromICANrelatingtoafinancialissuetohelpafamilymember,friendorcommunitymember
SeekingsupportfromICANrelatingtoapersonalfinancialissue
Seekingfurthertraininglikethisoneforyourself
WouldliketostayintouchwithICANrelatingtoanyfuturefinancialliteracytraining
(NR-1)*
(NR-2)* (NR-3) X X X X
(NR-4) X
(NR-5)*
(NR-6) X X
(NR-7) X
(NR-8) X X
(NR-9)*
(NR-10) X X X X
(NR-11) X X X X(NR-12) X X X X
*[Noresponseprovided]
Measuring‘Efficiency’Weipa–RioTinto[June22,2016]
Q.4Onthetrainingdeliveredtoday(Pleaseplacean‘X’intherelevantboxesbelow):
CriteriaStronglyagree Agree Disagree Strongly
DisagreeNot
Applicable4 3 2 1 0
Trainingwasrelevanttomyneeds
Participant(s):WRTR-1,WRTR-2,WRTR-4,WRTR-7,WRTR-9,WRTR-10,WRTR-12,
Participant(s):WRTR-3,WRTR-5,WRTR-6,WRTR-8,WRTR-11,WRTR-13,WRTR-14,WRTR-15
Materialsprovidedwerehelpful
Participant(s):WRTR-1,WRTR-2,WRTR-4,WRTR-9,WRTR-10,WRTR-12,
Participant(s):WRTR-3,WRTR-5,WRTR-6,WRTR-7,WRTR-8,WRTR-11,WRTR-13,WRTR-14,WRTR-15
Lengthoftrainingwassufficient
Participant(s):WRTR-2,WRTR-4,WRTR-9,WRTR-10,
Participant(s):WRTR-1,WRTR-3,WRTR-5,WRTR-6,WRTR-7,WRTR-8,WRTR-11,WRTR-12,WRTR-13,WRTR-14,WRTR-15
Participant(s):
Contentwaswellorganised Participant(s):WRTR-1,WRTR-2,WRTR-4,WRTR-6,WRTR-7,WRTR-9,WRTR-10,WRTR-12,WRTR-13,
Participant(s):WRTR-5,WRTR-8,WRTR-11,WRTR-14,WRTR-15
Questionswereencouraged Participant(s):WRTR-4,WRTR-9,WRTR-10,
Participant(s):WRTR-1,WRTR-2,WRTR-5,WRTR-6,WRTR-7,WRTR-8,WRTR-11,
WRTR-12,WRTR-13,WRTR-14,WRTR-15
Instructionswereclearandunderstandable
Participant(s):WRTR-1,WRTR-2,WRTR-4,WRTR-6,WRTR-7,WRTR-9,WRTR-10,WRTR-13,WRTR-14,
Participant(s):WRTR-2,WRTR-3,WRTR-5,WRTR-8,WRTR-11,WRTR-12,WRTR-15
Trainingmetmyexpectations Participant(s):WRTR-1,WRTR-4,WRTR-6,WRTR-9,WRTR-10,WRTR-13,WRTR-14,
Participant(s):WRTR-2,WRTR-3,WRTR-5,WRTR-7,WRTR-8,WRTR-11,WRTR-12,WRTR-15
Thepresenterand/orpresentationwaseffective
Participant(s):WRTR-1,WRTR-4,WRTR-6,WRTR-7,WRTR-9,WRTR-12,WRTR-13,WRTR-14,
Participant(s):WRTR-2,WRTR-5,WRTR-8,WRTR-11,WRTR-15
Napranum–ServiceProvider[June21,2016]
Q.4Onthetrainingdeliveredtoday(Pleaseplacean‘X’intherelevantboxesbelow):
CriteriaStronglyagree Agree Disagree Strongly
DisagreeNot
Applicable4 3 2 1 0
Trainingwasrelevanttomyneeds
Participant(s):NSP-1,NSP-2,
Participant(s):NSP-3
Materialsprovidedwerehelpful
Participant(s):NSP-1,NSP-2,
Participant(s):NSP-3
Lengthoftrainingwassufficient
Participant(s):NSP-1,NSP-2,
Participant(s):NSP-3
Contentwaswellorganised Participant(s):NSP-1,NSP-2,
Participant(s):NSP-3
Questionswereencouraged Participant(s):NSP-1,NSP-2,
NSP-3
Instructionswereclearandunderstandable
Participant(s):NSP-1,NSP-2,NSP-3
NSP-3
Trainingmetmyexpectations Participant(s):NSP-1,NSP-2,NSP-3
Participant(s):
Thepresenterand/orpresentationwaseffective
Participant(s):NSP-1,NSP-2,NSP-3
Pormpuraaw–ServiceProvider[September20,2016]
Q.4Onthetrainingdeliveredtoday(Pleaseplacean‘X’intherelevantboxesbelow):
CriteriaStronglyagree Agree Disagree Strongly
DisagreeNot
Applicable4 3 2 1 0
Trainingwasrelevanttomyneeds
Participant(s):PSP-1,PSP-2,PSP-3
Participant(s):
Materialsprovidedwerehelpful
Participant(s):PSP-1,PSP-2,PSP-3
Participant(s):
Lengthoftrainingwassufficient
Participant(s):PSP-1,PSP-2,
Participant(s):PSP-3
Contentwaswellorganised Participant(s):PSP-1,PSP-3
Participant(s):PSP-2,
Questionswereencouraged Participant(s):PSP-1,PSP-2,
PSP-3
Instructionswereclearandunderstandable
Participant(s):PSP-1,PSP-3
PSP-2,
Trainingmetmyexpectations Participant(s):PSP-1,
Participant(s):PSP-2,PSP-3
Thepresenterand/orpresentationwaseffective
Participant(s):PSP-1,PSP-3
PSP-2,
Weipa–ServiceProvider[September1,2016]MyPathwayServiceProviderTraining
Q.4Onthetrainingdeliveredtoday(Pleaseplacean‘X’intherelevantboxesbelow):
CriteriaStronglyagree Agree Disagree Strongly
DisagreeNot
Applicable4 3 2 1 0
Trainingwasrelevanttomyneeds
Participant(s):WSP-1,WSP-5,WSP-7
Participant(s):WSP-2,WSP-3,WSP-4,WSP-6,
Materialsprovidedwerehelpful
Participant(s):WSP-1,WSP-2,WSP-3,WSP-5,WSP-7
Participant(s):WSP-4,WSP-6,
Lengthoftrainingwassufficient
Participant(s):WSP-1,WSP-2,WSP-3,WSP-5,
Participant(s):WSP-4,WSP-6,WSP-7
Contentwaswellorganised Participant(s):WSP-2,WSP-3,WSP-5,
Participant(s):WSP-1,WSP-4,WSP-6,WSP-7
Questionswereencouraged Participant(s):WSP-1,WSP-2,WSP-3,WSP-5,WSP-7
WSP-6, WSP-4,
Instructionswereclearandunderstandable
Participant(s):WSP-1,WSP-2,WSP-3,WSP-5,WSP-7
WSP-4,WSP-6,
Trainingmetmyexpectations Participant(s):WSP-1,WSP-2,WSP-3,WSP-5,WSP-7
Participant(s):WSP-4,WSP-6,
Thepresenterand/orpresentationwaseffective
Participant(s):WSP-1,WSP-2,WSP-3,WSP-5,WSP-7
WSP-4,WSP-6,
Weipa–[August31,2016]MyPathwayWiththeMob(Resident)Training
Q.4Onthetrainingdeliveredtoday(Pleaseplacean‘X’intherelevantboxesbelow):
CriteriaStronglyagree Agree Disagree Strongly
DisagreeNot
Applicable4 3 2 1 0
Trainingwasrelevanttomyneeds
Participant(s):WR-6,WR-7,WR-8
Participant(s):WR-1,WR-2,WR-3,WR-4,WR-5,
Materialsprovidedwerehelpful
Participant(s):WR-3,WR-4,WR-6,WR-7,WR-8
Participant(s):WR-1,WR-2,WR-5,
Lengthoftrainingwassufficient
Participant(s):WR-6,WR-7,WR-8
Participant(s):WR-1,WR-2,WR-3,WR-4,WR-5,
Contentwaswellorganised Participant(s):WR-6,WR-7,WR-8
Participant(s):WR-1,WR-2,WR-3,WR-4,WR-5,
Questionswereencouraged Participant(s):WR-4,WR-6,WR-7,WR-8
WR-1,WR-2,WR-3,WR-5,
Instructionswereclearandunderstandable
Participant(s):WR-4,WR-6,WR-7,WR-8
WR-1,WR-2,WR-3,WR-5,
Trainingmetmyexpectations Participant(s):WR-6,WR-7,WR-8
Participant(s):WR-1,WR-2,WR-3,WR-4,WR-5,
Thepresenterand/orpresentationwaseffective
Participant(s):WR-6,WR-7,WR-8
WR-1,WR-2,WR-3,WR-4,WR-5,
NAPRANUM–[August302016]WiththeMob(Resident)Training
Q.4Onthetrainingdeliveredtoday(Pleaseplacean‘X’intherelevantboxesbelow):
CriteriaStronglyagree Agree Disagree Strongly
DisagreeNot
Applicable4 3 2 1 0
Trainingwasrelevanttomyneeds
Participant(s):NR-4,NR-6,NR-7,NR-8,NR-9,NR-10,NR-11,NR-12
Participant(s):NR-1,NR-2,NR-3,
NR-5,
Materialsprovidedwerehelpful
Participant(s):NR-4,NR-5,NR-6,NR-7,NR-9,NR-10,NR-11,
Participant(s):NR-1,NR-2,NR-3,NR-8,
Lengthoftrainingwassufficient
Participant(s):NR-4,NR-5,NR-7,NR-9,
Participant(s):NR-1,NR-2,NR-6,NR-8,NR-11,NR-12
NR-10[Moretime]
Contentwaswellorganised Participant(s):NR-3,NR-4,NR-5,NR-7,NR-9,NR-11,
Participant(s):NR-1,NR-2,NR-6,NR-8,NR-10,NR-12
Questionswereencouraged Participant(s):NR-2,NR-3,NR-4,NR-7,NR-9,NR-12
NR-1,NR-8, NR-5,NR-6, NR-10,NR-11,
Instructionswereclearandunderstandable
Participant(s):NR-2,NR-3,NR-4,NR-5,NR-6,NR-7,NR-8,NR-9,
NR-1,NR-10,NR-11,NR-12
Trainingmetmyexpectations Participant(s):NR-4,NR-5,NR-6,NR-7,NR-8,NR-9,
Participant(s):NR-1,NR-2,NR-3,NR-10,NR-11,NR-12
Thepresenterand/orpresentationwaseffective
Participant(s):NR-4,NR-5,NR-6,NR-7,NR-8,NR-9,
NR-1,NR-2,NR-3,NR-10,NR-11,
‘CommunityPerspective’–ContextData
MapoonCommunityPerspective
Whatkindofservicesexistin,ornearthecommunity,forpeopletodotheirbankingoraccessfinancialservicesorproducts?Forexample:IsthereabankorATMin,ornearthecommunity?DopeoplehaveaccesstoNoInterestLoans(NILS)?Dopeopleaccessfinancialcounsellingorothertypesofsupport?
• Idoeverythingonline(banking).• Nearestbankis68kmsaway(Weipa),Idon’tusethatbank.• Alotofpeopledon’thaveonlinebanking,peopleaskmetohelpthematmyworkwithonline
banking.• Onetellermachineatthestore,we’vehadalotoftroublewiththestormsandstuff(storms
affectingtheinternet/banking)• Theshopwasclosedduetothestorms,theATM,Tellermachineweren’tworking.Ithappensquite
often.• Hopefullythey’vegotnewmachines,itwasclosedyesterday,sohopefullyitsfixed.
Arethereanyparticularfinancialorconsumerissuesfacingcommunitypeople?ForExample:travellingdoor-to-doorsalespeoplesellinggoods,peopleoftenusepay-dayloansNo
Arethereanykindsofparticularsupportservicesthatcommunitypeoplewouldliketoseeintheirowncommunity?
• WeneedsomethinglikePolicing,definitelyPolice,it’samajorone.• Withthedrinking,bashings,domesticviolence.• Alsosomethingfortheteenagers,earlyschoolleavers,sometrainingsandjobsforthem.
Areanyofthefollowing,aBARRIERforcommunitypeopletobeabletoaccessservicesorsupport:
ü Lackoftransportationü Limitedincomesü Familyobligations–Fewissuesthatsurroundaroundyoungcouples.ü Other(Pleaselist):Somepeoplelackofconfidence,shyness,notbeingconfidenttoaskorspeakup.
___________________________________________________________________________Wouldyoulikefurthersupportinthefollowingareas?Checkallthatapply:
ü SeekingsupportfromICAN,tohelppeoplewithmoneyorcarproblemsü WouldlikeICANtodomorefinancialliteracytraininginthecommunity
Didn’treallyknowwhatICANdoesbutwilllookituponthewebsite.
WeipaCommunityPerspective
Whatkindofservicesexistin,ornearthecommunity,forpeopletodotheirbankingoraccessfinancialservicesorproducts?Forexample:IsthereabankorATMin,ornearthecommunity?DopeoplehaveaccesstoNoInterestLoans(NILS)?Dopeopleaccessfinancialcounsellingorothertypesofsupport?
• ThereistheBankofQldCountryCreditUnion• ATMinfrontofthisBank–Theychargeabout3to4buckstouse• ATMattheWeipaServiceCentreoppositeWesternCapeCollege–Charge3to4buckstouse.• Allthepubshaveone,Alby,Bowlies,Golfies.(AlbatrossResort,BowlsClub,GolfClub)–Charge3
to4buckstouse.• TheGolfiesone(ATM)takestolong,waitingforagesforittoprocess.• Cheapertogetit(money)fromWoolworths,nocharge,$500maxadayyoucanwithdraw.Weuse
thattowithdraw.Howdoyoupayyourbills?
• WithdrawfromWoollies,thengotothebank(BankofQldCountryCreditUnion)topayRIOTintoourrentandelectricity.
• IuseonlinebankingBPayforotherbills.
Arethereanyparticularfinancialorconsumerissuesfacingcommunitypeople?ForExample:travellingdoor-to-doorsalespeoplesellinggoods,peopleoftenusepay-dayloansNo
Arethereanykindsofparticularsupportservicesthatcommunitypeoplewouldliketoseeintheirowncommunity?
• Moneyrelatedprogramforthemob,theydon’tknowhowtobudget.• Bigdrinkingproblemuphere,fromhighschool(age)upwards.• Youseekidsjustoutofhighschooldrinking,thenintoRIOdrinking.• SomethingtodowithMentalHealthServices(uphere)• YouthPrograms;allthestealingofcarsisdonebyyouth,boredom,nothingtodobesidesdrink.
Areanyofthefollowing,aBARRIERforcommunitypeopletobeabletoaccessservicesorsupport:
ü Lackoftransportation–YouseethemobwalkingfromNapranumintoWeipatoshop. ü Limitedincomes–Noteveryoneisinthemines,livinginaminingtownisexpensive. ü Familyobligations–Yesofcause. ü Other(Pleaselist):Anexampleprovided–Whenpeoplegotomeetingsanditemsarediscussedand
peoplenodandagreetodecisionsbutreallynotfullyunderstandingwhat’shappening.Alackofunderstandingtheprocessandoutcome,
___________________________________________________________________________ Wouldyoulikefurthersupportinthefollowingareas?Checkallthatapply:
ü SeekingsupportfromICAN,tohelppeoplewithmoneyorcarproblems ü WouldlikeICANtodomorefinancialliteracytraininginthecommunityü RunningsessionsforMypathpeoplewhoareonthedoleü Runningsessionsoutinthecommunites,butkeepitsimple,basicstuff.ü RunprogramswiththeLAPtrainees,theygetbigpayanddon’tknowwhattodowithit.(Local
AboriginalPersonTraineeship,RIOTINTO)
PormpuraawCommunityPerspective
Whatkindofservicesexistin,ornearthecommunity,forpeopletodotheirbankingoraccessfinancialservicesorproducts?Forexample:IsthereabankorATMin,ornearthecommunity?DopeoplehaveaccesstoNoInterestLoans(NILS)?Dopeopleaccessfinancialcounsellingorothertypesofsupport?
• Wehave3ATM’sinthecommunity• OurPostOfficehasbanking,CommonwealthAgent.• Idomybankingonline.
Arethereanyparticularfinancialorconsumerissuesfacingcommunitypeople?ForExample:travellingdoor-to-doorsalespeoplesellinggoods,peopleoftenusepay-dayloans
• Payloansarebiginthecommunity• Alwaysyourhighinterestloanswhogetpeopleintofinancialtroubles.
Arethereanykindsofparticularsupportservicesthatcommunitypeoplewouldliketoseeintheirowncommunity?
• Morehelptoconsolidatedebts• Aservicethatcanworkoutfinancialplans,financialassistance,Financialadvice.• Otherwiseit’sthepaydayloansastheoption.
Areanyofthefollowing,aBARRIERforcommunitypeopletobeabletoaccessservicesorsupport:
ü Lackoftransportationü Limitedincomesü Familyobligationsü Other(Pleaselist):Alcoholandgambling.Somedruguse,marijuanausewhichimpactsonsomeone’s
financials.NOTE:Areducebarrieristhecostofairfaresbeingdecreased.Beforeflightswere$800-$1000returnnowtheyare$199return.Wouldyoulikefurthersupportinthefollowingareas?Checkallthatapply:
ü SeekingsupportfromICAN,tohelppeoplewithmoneyorcarproblemsü WouldlikeICANtodomorefinancialliteracytraininginthecommunityü Accesstofinancialaid,financialknowledgeforpeopleseekingassistance.
Ifthisisn’ttherethenpeoplelookfortheshortandeasyway,paydayloans,tofixtheirproblemshortterm.