pathways to resilience - good shepherd€¦ · “pathways to resilience: good learning modules”...
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4 March 2015
Pathways to ResilienceGreater Impact through Applied Research
NZ Community Finance
12 September 2017
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Key Findings
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2
3
NILS creates positive changes in clients’ financial capability.
It also improves social and economic outcomes.
NILS reaches the most vulnerable groups, and diverts them
away from predatory lenders.
$1 invested in NILS = $2.54 in socio-economic value.
4 Client outcomes are influenced by how service is delivered.
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Impacts of Microfinance
1The loan provides
access to credit
2The item purchased
using the loan
3The loan delivery
process
Economic:
Cost savings
Financial independence
Social & Health:
Reduced stress/anxiety
Improved relationships
Economic:
Build assets
Cost savings
Employment opportunity
Social & Health:
Quality of life
Self-esteem/confidence
Physical Health
Economic:
Cost savings
Social & Health:
Feel supported
Social connectedness
Confidence
Wellbeing
Financial Capabilities:
Financial Management
Financial Confidence
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# 1. Research
“Pathways to Resilience: The Impact of Financial
Conversation on the Financial Capability of NILS
Applicants”
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Financial Capability
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Financial Self-Efficacy
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Methodology
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Sample Size: Surveys & Focus Groups
65
294
10
41
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Finding 1: NILS experience is a journey
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Finding 1: So What?
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Before you go in
you have already
looked at your
budget to see if you
can afford a NILS
loan.
Finding 2: Impact Varies
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Before you go in
you have already
looked at your
budget to see if you
can afford a NILS
loan.
Finding 2: So What?
What
support
does this
client
need?
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# 2. Improved Training,
Programs & Policy
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“Pathways to Resilience: Good Learning Modules”
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Good Learning Training Module
Workers
37 sites
3,400+
clients
50 min.
Training
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Practical Tools to Tailor Support
Videos of
Conversations
Nudge videos
Checklists
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Practical Tools to Tailor Support
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Feedback from Microfinance Workers
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Policy Enhancements
Maximum Loan Amount up from
$1,200 to $1,500
Concurrent Loans: If needed &
client is eligible, a 2nd loan to
purchase essential good/service is
possible, provided:
• repayments are affordable for the client
• total amount outstanding for both loans < $1,500