AFCPE 2016 Symposium workshop-Measuring & Reporting Impact of Financial Education
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Transcript of AFCPE 2016 Symposium workshop-Measuring & Reporting Impact of Financial Education
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Measuring and Reporting the Impact of
Financial Education
Barbara O’Neill, Ph.D., CFP®, CRPC®Distinguished Professor, Rutgers University
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Are You Evaluating Your Educational Programs?
If so, how?
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The Million Dollar “So What?” Question…
At the end of the day…did your educational program make a difference?
How do you know?
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• What gets measured gets funded
• With evaluation results, you can…– assess impact of programs on learners
– see if you accomplished what you planned
– know if a program was “worth it”
– celebrate success and learn from failure
– make informed decisions to improve, hold, or fold programs
– promote your program and win public support
We are in an “Accountability Era”
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Option #1: Hire a Third Party Program Evaluator
• Some funders require this (e.g., FINRA Investor Education Foundation)
• No potential for conflict of interest by one entity performing both the education and evaluation role
• Takes evaluation “monkey” off busy educators’ back
• Build into grant funding requests
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Option #2: “Do it Yourself”: Conduct Evaluations Alone Or With Colleagues• Use evaluation methods that you understand and
feel comfortable with
• Learn associated skills (e.g., how to set up an online survey)
• Partner with a researcher for statistical analyses
• Begin with the end in mind: evaluation metrics should determine program content and methods
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• See http://www.uwex.edu/ces/pdande/evaluation/evallogicmodel.html• Begins with the end in mind• Explains what a program is and what it will accomplish• Shows relationships between inputs, outputs, and outcomes
Introducing the Logic Model
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Building a Strong Financial Education Program
INPUTS OUTPUTS OUTCOMES
Program investments
Activities Participation Short Medium
What We
Invest
What We Do
Who We Reach
What Results
SO WHAT??
What is the VALUE?
Long-term
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Staff
Money
Time
Volunteers
Partners
Equipment/Technology
Policies
Research
INPUTS
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OUTPUTSWhat We Do Who We Reach
ACTIVITIESAssess needs and assets
Design curriculum
Educate students
Conduct workshops
Facilitate learning groups
Sponsor conferences
Work with the media
Partner – collaborate
PARTICIPATIONParticipants
Clients
Customers
Users
Groups
Reactions - Satisfaction
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OUTCOMESWhat Results for Individuals, Organizations, Communities..…
SHORTLearning
Awareness
Knowledge
Attitudes
Skills
Opinion
Aspirations
Motivation
MEDIUMAction
Behavior
Practice
Decisions
Policies
Social action
LONG-TERMConditions
Human
Economic
Civic
Environment
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Cost-Benefit Analysis• Compares the cost of inputs to the benefit of outcomes
• The larger the dollar value of benefits relative to program costs (for example, a 20:1 multiple versus a 5:1 multiple), the better.
• Multiple often grows over time because many program costs are incurred “up front”
• Resource: https://joe.org/joe/1999august/tt3.php
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Return on Investment (ROI) Calculations
• Follow methodology used by businesses to make decisions• The higher the multiple, the better• Resource: https://joe.org/joe/2008february/tt4.phpFormula:(Benefits - Cost) ÷ Cost x 100Example:$1.1 million of economic impact($1.1 million - $200,000 =$900,000) ÷$200,000 x 100 = 450%Program generated $4.50 in net benefits for every $1 spent
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OUTCOMES
Commonly Measured Items That Are Not Outcomes
• Participant satisfaction
• Number of people taught
• Units of education completed
• Number of events held
• Time and money spent
• Level of effort
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QuestionWhat are some outcomes for your educational programs?
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Impact Evaluation Data Collection Methods
• Surveys (Paper or Online)
– Post-evaluation only (short programs)
– Pre- and post-evaluation
– Follow-up (e.g., 3 months later)
• Focus groups
• Interviews
• Observations
• Tests of knowledge/ability
• RARE: Control groups and longitudinal studies
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Typical Survey Questions• General reactions to the program
• Changes in knowledge
• Changes in motivation, confidence, and abilities
• Intended changes in behavior
• Actual changes in behavior
• Future programming needs and preferences
• Demographics of participants
• Qualitative/open-ended responses
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Post-Then-Pre (Retrospective) Evaluation
Method • Compares knowledge and attitudes before and
after a financial education intervention
• Administered once at the end of the intervention
• Helps avoid biases due to people thinking they know more than they know
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Case Example: Humpty Dumpty
“Humpty Dumpty sat on a wall,
Humpty Dumpty had a great fall,
All the king’s horses and all the king’s men
Couldn’t put Humpty together again”
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So Who/What Was Humpty Dumpty?
Probably NOT what you think!
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Post-Then-Pre (Retrospective) Evaluation Method
• Why? Because people don’t know what they don’t know! • Who knew what Humpty Dumpty really was?
• Five point rating scale– 1 = Strongly Disagree– 5 = Strongly Agree
• Post: After listening to Barb, I know the history of the Humpty Dumpty nursery rhyme
• Pre: Before listening to Barb, I knew the history of the Humpty Dumpty nursery rhyme
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Post-Then-Pre Evaluation• Also known as a “Retrospective” evaluation• Helps identify changes in knowledge, attitudes, and
behavior
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Another Post-Then-Pre Evaluation Example
Big Advantage: Avoids the problem of learners under-estimating what they don’t know before a program
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Likert-Type Scales• Scaled responses used frequently in survey research
• Assumes distances between each item are equal
• Typically five or seven levels of responses
• Example: 1= Strongly disagree, 2= Disagree, 3= Neither agree or disagree (Neutral), 4=Agree, 5= Strongly Agree
• Items can be analyzed separately or summed to create a scale (score for a group of items)
• Can compare means for items or use t-tests for statistical significance
https://www.clemson.edu/centers-institutes/tourism/documents/sample-scales.pdf
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Rubrics• Scoring guide used to evaluate responses to a question• Often used by teachers to communicate expectations for
assignments
Resources: http://rubistar.4teachers.org/
http://nextgenpersonalfinance.org/forum/rubrics/
http://rci.rutgers.edu/~boneill/assignments/Assignment-Grading-Rubric-Table.pdf
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Action Items Method• Requires program participants to define their own action
plans using a worksheet that includes their signature– What I will do
– Where I will do it (family, work, community)
– When and how I will do it (timeline and action steps)
– Who will help me
• Follow-up evaluation to ask learners about goal attainment several months after program completion
• Participants themselves define “success”
• Resource: https://joe.org/joe/2016april/tt1.php
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Critical Incident Technique• Qualitative evaluation research method where
program participants tell personal stories
• Often used with “Train the Trainer” programs for professionals (e.g., teachers, librarians)
• Incidents are categorized and deemed successful (positive results) or unsuccessful (negative results)
http://www.joe.org/joe/2013june/tt2.php (Journal of Extension article)
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More About the Critical Incident Technique
http://www.adb.org/documents/information/knowledge-solutions/the-critical-incident-technique.pdf
• Ask subjects to describe- through interviews-incidents that they handled well or poorly (need not be spectacular events)
– Example: How did library staff handle patrons’ personal finance questions?
• Provides rich personal perspectives
• Pre-intervention and Post-intervention comparison of number and type of incidents
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Critical Incident Technique Example: NYPL Grant
Program Title: Money Matters
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CIT Questions in NYPL Financial Education
Evaluation• Think about your experiences helping patrons with personal finance
questions. Remember a time when you had a successful experience helping someone with these types of questions. Please write down what happened.
• What made this a successful, positive experience?
• Think about your experiences helping patrons with personal finance questions. Remember a time when you had an unsuccessful experience helping someone with these types of questions. Please write down what happened.
• What made this an unsuccessful or challenging experience?
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CIT Summary in Final NYPL Project Evaluation Report
“The change in the percentages of the types of incidents is indicative of change in attitudes and abilities. Also, a new category appeared in the successful incidents, Increased Knowledge/Confidence/Satisfaction, which was not present in the Pre-training Survey. Furthermore, for the unsuccessful critical incidents, the category Lack of Training/ Knowledge which was the most frequently seen theme for the Pre-training Survey was not found at all in the Post-training Survey.
These findings resonate with quantitative findings and provide confirming evidence that the Money Matters training has been successful in improving participants’ knowledge of personal finance and their ability to be successful in handling patron inquiries. Additionally, staff members provided eloquent testament in their qualitative responses that their skills have been enhanced and their attitudes and behaviors became more positive for ably handling personal finance queries” (Radford, 2013).
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Social Media Evaluation Methods
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Triangulation (Multiple Methods) Evaluation Approach• Unique Twitter hashtag: #eXasw
• Follow-up follower/friend survey
• Follow-up project participant survey
• bit.ly analytics to determine number of clicks on unique embedded links
• Pre- and post-ASW Twitter influence metrics (Klout score)
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Klout Score Progression• Klout is a measure of a person’s “influence” on twitter
• Based on an algorithm with factors such as number of followers and number of retweets
• Go to www.klout.com and log in with Twitter or Facebook
– 2011: 11.22 to 19.68
– 2012: 20.3 to 29.3
– 2013: 32.6 to 39.6
– 2014: 29.76 to 38.84
– 2015: 23.8 to 30.7
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Twitter Chat Evaluation Methods
• Online survey (e.g., Qualtrics) link embedded into final tweets (with prizes as an incentive to complete)
Dr. Barbara O'Neill @moneytalk1Apr 29Please let us know if U found #SSHWchat helpful & take this brief survey: https://rutgers.qualtrics.com/SE/?SID=SV_9X0V77kUKhOqlWB … Will pull winners at 1:30 pm #sshwchat
• TweetReach: http://tweetreach.com/ or Hashtracking: https://www.hashtracking.com/ (type in hashtag to pull a report)
• Follow-up contact from participants (Twitter direct messages, e-mail, etc.)
• Traffic to Web site during and after a chat
• Other?
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Sample TweetReach Report
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Archive a Twitter Chat With Storify and Track Use
https://storify.com/ Storify is an organized collection of tweets with links, photos, etc. to “tell a story” from Twitter contentVideo: https://www.youtube.com/watch?v=l9iHniFjiVc
Storify Samples:
https://storify.com/RutgersNJAES/small-steps-to-health-and-wealth
https://storify.com/RutgersSEBS/cook-douglass-community-day-2014-at-rutgers
https://storify.com/wisebread/how-are-you-saving-for-retirement
https://storify.com/JerryBuchko/mcpd2014-twitter-chat-archive-1
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One Last Step: Share Your Program Evaluation Results
WHAT?
SO WHAT?
NOW WHAT?
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Who Needs to Know About the Results of
Your Educational Programs? Why?
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Impact Statements: Intentions
As a result of participating in this financial education program, X% of participants reported that they…
• plan to do/use/adopt…• are more knowledgeable about…• are more confident in their ability to…• are more likely than before to do/use/adopt…• will do/use/adopt…
…a particular attitude, piece of information, or behavior.
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Social Media Impact Reports
• Number of participants• TweetReach report outreach numbers• Participant survey data• Data from other feedback methods
• Sample Evaluation Report: http://www.slideshare.net/BarbaraONeill/sshw-twitter-chat-impact-statement-0414
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Public Value Approach
Private benefits accrue to program participants
Public benefits are benefits to those who did not participate in a program
© 2007 Regents of the University of Minnesota
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Public Value Statements• Focus on an outcome that matters to
stakeholder(s)
• Use stakeholder’s language
• Avoid jargon and empty words
• Should be short and believable
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Participants
Changes
Outcome
Private benefits Public value
© 2007 Regents of the University of Minnesota
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Program participants…
have been shown to change their behavior in specific ways…
that have been shown to lead to specific outcomes…
that directly benefit the participants.
that generate public value.
© 2007 Regents of the University of Minnesota
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Participants in a nutrition program…
have been shown to increase their consumption of fruits and
vegetables…
which has been shown to reduce the incidence of diabetes…
which directly improves quality of life for
participants.
which reduces public health costs for all
citizens.
© 2007 Regents of the University of Minnesota
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Public Value Statement Template
When you support _______________________program,
participants will ______________________________,(changes)
which leads to _______________________________,(outcomes)
which will benefit other community members by _____________________________________________.
(public value)
© 2007 Regents of the University of Minnesota
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QuestionWhat are some public values for your educational programs?
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Aggregating Data From Multiple Sources
• Common curriculum and evaluation tools (easiest)
• Different curricula, same topic, and common indicators such as
– Saving money
– Reducing debt
– Enrolling in 401(k) plan
• There needs to be a “cat herder” to manage the process and a convenient automated data collection system
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Financial Education Program Evaluation
Resources
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Downloadable NEFE Financial Education Evaluation Manual
http://toolkit.nefe.org/Portals/0/Toolkit-Manual.pdf
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NEFE White Paper: Perspectives on Evaluation in Financial Education: Landscape, Issues, and Studies
• Children
• Youth
• Young Adults
• Working Adults
• Military Personnel
• Low-Income Consumers
• Student Loans
• Homeownership
• Retirement Planning
• Financial Advising
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Questions and Comments?
Barbara O'Neill, Ph.D., CFP®, CRPC
Extension Specialist in Financial Resource Management and Distinguished Professor, Rutgers University
Phone: 848-932-9126
E-mail: [email protected]
Internet: http://njaes.rutgers.edu/money/
Twitter: http://twitter.com/moneytalk1