PDF FINANCIAL EDUCATION - International Labour Organization

International Labour Organization

FINANCIAL EDUCATION

Savings

I cannot pay back all loans, so I need to sell my land

We did not plan to buy a TV

TRAINER?S MANUAL

International Labour Organization Cambodia, 2008

FINANCIAL EDUCATION

TRAINER'S MANUAL

INTERNATIONAL LABOUR ORGANIZATION Cambodia, 2008

TABLE OF CONTENTS

Table of Contents

ACKNOWLEDGEMENTS....................................................................................................................... 5 INTRODUCTION...................................................................................................................................... 7 GOALS & SCHEDULE............................................................................................................................ 9 DAILY EVALUATION FORM............................................................................................................... 11

MODULE 1: INTRODUCTION OF PROGRAMME AND PARTICIPANTS..................................13

MODULE 2: SETTING GOALS AND HOW MUCH IT COSTS TO REACH THEM.................. 15 TRAINING AID 1: FINANCIAL GOALS..................................................................................... 17

MODULE 3: MANAGING YOUR MONEY........................................................................................ 19 TRAINING AID 2: THE "PRIVATE AND FAMILY PURSE" AND THE "BUSINESS PURSE"..................................................................................... 22 TRAINING AID 3: SOURCES OF INCOME.............................................................................. 23

MODULE 4: DEBT VS. EQUITY FINANCING.................................................................................. 25 TRAINING AID 4: ROLE PLAY "CHANTHA'S AND NEARY'S SOYBEAN JUICE BUSINESSES".................................................................................... 29 TRAINING AID 5: TAKING A LOAN OR USING YOUR OWN MONEY............................. 30 TRAINING AID 6: GOOD DEBT AND BAD DEBT................................................................... 31 TRAINING AID 7: THE PROS & CONS OF TAKING A LOAN OR USING YOUR OWN MONEY................................................................................................ 32

MODULE 5: THE DANGERS OF OVER-INDEBTEDNESS AND DEFAULT............................... 33 TRAINING AID 8: THE STORY OF THREE BORROWERS.................................................. 38 TRAINING AID 9: ROLE-PLAY CARDS.................................................................................... 39 TRAINING AID 10: CONSEQUENCES OF DEFAULT............................................................ 40

MODULE 6: COMPARING SAVINGS SERVICES........................................................................... 41 TRAINING AID 11: ADVANTAGES AND DISADVANTAGES OF DIFFERENT TYPES OF SAVING SERVICES................................................................ 45 TRAINING AID 12: FORMAL INSTITUTION SAVINGS PRODUCTS................................. 46 TRAINING AID 13: MATCHING SAVINGS GOALS WITH SAVINGS PRODUCTS...........47 TRAINING AID 14: THE SELECTION OF SAVINGS SERVICES......................................... 48

MODULE 7: MAKING A BUDGET FOR THE FAMILY................................................................... 49 TRAINING AID 15: STEPS TO DEVELOP A BUDGET........................................................... 52 TRAINING AID 16: MY FAMILY'S BUDGET (1)..................................................................... 53 TRAINING AID 17: INFREQUENT INCOME & EXPENSES WORKSHEET: MAKING MONTHLY ESTIMATES........................................................ 54 TRAINING AID 18: MY FAMILY'S BUDGET (2)...................................................................... 55

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Financial Education-Trainer's Manual MODULE 8: STAYING WITHIN YOUR BUDGET........................................................................... 57

TRAINING AID 19: STORIES OF TWO WOMEN TRYING TO STAY WITHIN THEIR BUDGET....................................................................... 59

TRAINING AID 20: WAYS TO CONTROL YOUR TEMPTATION......................................... 60 MODULE 9: MAKING A SAVINGS PLAN......................................................................................... 61

TRAINING AID 21: MY SAVINGS PLAN....................................................................................62 CONTENT NOTES................................................................................................................................. 63

A. GENDER EQUALITY................................................................................................................ 63 B. BUDGET...................................................................................................................................... 63 C. SAVINGS: YOU CAN DO IT!................................................................................................... 68 D. DEBT MANAGEMENT: HANDLE WITH CARE................................................................. 71

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