Yarnin’ Moneyican.org.au/wp-content/uploads/2017/04/ICAN-Interim-Eval...Yarnin’ Money Evaluation...

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&region=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


Yeshowtobudgetmoney


Yesitgavemealittlebitofunderstandinghowtobudget&howmuchwereallyspend


Yes–howtobudgetingmoney


Loana[nd]payments


-Savingisbetterthentakingoutaloan-Besttoownthingsoutright-Cutdownonwants


MademefeelthatIcanmakebigchangeshowtobudgetinthefuture


HowmuchmoneyI’vespentwithoutrealizingtheeffectslater


It’schangedmypersonalviewofhowtobudgetormanagemoneyproperly?


Budgetingisveryimportant!


JustlookcarefullyintowhatIspentmymoneyon


Yes.Moneymanagement,loanrepayments,Interestonloans,rates.


Nocoms.


-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


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



AgreeNSP-1 XNSP-2 X NSP-3 X


StronglyDisagree


Agree StronglyAgree

NSP-1 XNSP-2 X NSP-3 X




AgreeNSP-1 XNSP-2 X NSP-3 X


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


Seekingfurthertraininglikethisoneformyclients


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



AgreePSP-1 XPSP-2 XPSP-3 X


StronglyDisagree


Agree StronglyAgree

PSP-1 XPSP-2 XPSP-3 X




AgreePSP-1 XPSP-2 XPSP-3 X


PSP-1 DoabudgetformyselfandtheclientPSP-2 Applyingtheminmyownpersonalsituation&seekingmore

informationinanefforttohelpthemPSP-3 Whenspeakingwithaclients.Andgettingthemtobeactively

involvedQ.4Couldyoulistanyhighlightsfromthistraining,thatstoodoutforyou?

PSP-1 AllthatwaslistedindoingupthebudgetlistPSP-2 Overallgood,greatresourcestogoawaywithPSP-3 Selectingphotoandexplainingwhatitmeanttome


SeekinghelpfromICANrelatingtoafinancialissuesIamhelpingaclientwith




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


Agree StronglyAgree

WSP-1 X WSP-2 XWSP-3 XWSP-4 X WSP-5 XWSP-6 X WSP-7 X


StronglyDisagree


Agree StronglyAgree

WSP-1 X WSP-2 XWSP-3 XWSP-4 X WSP-5 XWSP-6 X WSP-7 X




AgreeWSP-1 X WSP-2 XWSP-3 XWSP-4 X WSP-5 XWSP-6 X WSP-7 X


WSP-1 I’mnotsure.I’m20soI’mstilllearningtheropesbutIstillhaveanideawhatfinancialsaving,andhowtobudget

WSP-2 StartmychildrenoffonbusinessventuresWSP-3 TalktofamilymembersandfriendsontheimportanceofmoneyWSP-4 GoinghometodomybudgetWSP-5 Tohelpeducatepeopletosavemoneyorlivecomfy.WSP-6 BudgetingWSP-7 Toworkoutabudget


WSP-1 TheExcelspreadsheet*reallygoodOpenedmeuptobudgetingbetter

WSP-2 --WSP-3* Justtheimportanceandthevalueofmoney.

HowsomepeopletakesforgrantedWSP-4 Thebudgetstuff

WSP-5 --WSP-6* ActivitiesWSP-7 Thebudgettoolsonspreadsheet**

*[Noresponseprovided]**ReferstoMoneySmartbudgettooldeliveredintrainingQ.5Wouldyoulikefurthersupportinotherareasrelatingtoyourclientand/orself?Checkallthatapply





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


Agree StronglyAgree

WR-1 X WR-2 XWR-3 X WR-4 XWR-5 X WR-6 XWR-7 XWR-8 X


StronglyDisagree


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




AgreeWR-1 X WR-2 X WR-3 X WR-4 XWR-5 X WR-6 XWR-7 XWR-8 X


WR-1 HowIcanbudgetWR-2 HowtosaveingmoneyandBudgartingWR-3 TrytosetupabudgetWR-4 Savemoney,budge[t]moneyWR-5 HowtobudgetWR-6 IstolivetheskillstoreachourgoalWR-7 SacrificemyselfWR-8 Howtosave


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





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


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



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




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


(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]


SeekinghelpfromICANrelatingtoafinancialissuetohelpafamilymember,friendorcommunitymember


Seekingfurthertraininglikethisoneforyourself


(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]



DisagreeNot

Applicable4 3 2 1 0


Participant(s):NSP-1,NSP-2,

Participant(s):NSP-3







Contentwaswellorganised Participant(s):NSP-1,NSP-2,


Questionswereencouraged Participant(s):NSP-1,NSP-2,

NSP-3


Participant(s):NSP-1,NSP-2,NSP-3

NSP-3

Trainingmetmyexpectations Participant(s):NSP-1,NSP-2,NSP-3

Participant(s):


Participant(s):NSP-1,NSP-2,NSP-3

Pormpuraaw–ServiceProvider[September20,2016]



DisagreeNot

Applicable4 3 2 1 0


Participant(s):PSP-1,PSP-2,PSP-3

Participant(s):


Participant(s):PSP-1,PSP-2,PSP-3

Participant(s):


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


Participant(s):PSP-1,PSP-3

PSP-2,

Trainingmetmyexpectations Participant(s):PSP-1,




PSP-2,

Weipa–ServiceProvider[September1,2016]MyPathwayServiceProviderTraining



DisagreeNot

Applicable4 3 2 1 0


Participant(s):WSP-1,WSP-5,WSP-7

Participant(s):WSP-2,WSP-3,WSP-4,WSP-6,


Participant(s):WSP-1,WSP-2,WSP-3,WSP-5,WSP-7

Participant(s):WSP-4,WSP-6,


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,



WSP-4,WSP-6,

Trainingmetmyexpectations Participant(s):WSP-1,WSP-2,WSP-3,WSP-5,WSP-7

Participant(s):WSP-4,WSP-6,



WSP-4,WSP-6,

Weipa–[August31,2016]MyPathwayWiththeMob(Resident)Training



DisagreeNot

Applicable4 3 2 1 0


Participant(s):WR-6,WR-7,WR-8

Participant(s):WR-1,WR-2,WR-3,WR-4,WR-5,


Participant(s):WR-3,WR-4,WR-6,WR-7,WR-8

Participant(s):WR-1,WR-2,WR-5,




Contentwaswellorganised Participant(s):WR-6,WR-7,WR-8


Questionswereencouraged Participant(s):WR-4,WR-6,WR-7,WR-8

WR-1,WR-2,WR-3,WR-5,


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




WR-1,WR-2,WR-3,WR-4,WR-5,

NAPRANUM–[August302016]WiththeMob(Resident)Training



DisagreeNot

Applicable4 3 2 1 0


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,


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,


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,


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,


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-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


• 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


• Moneyrelatedprogramforthemob,theydon’tknowhowtobudget.• Bigdrinkingproblemuphere,fromhighschool(age)upwards.• Youseekidsjustoutofhighschooldrinking,thenintoRIOdrinking.• SomethingtodowithMentalHealthServices(uphere)• YouthPrograms;allthestealingofcarsisdonebyyouth,boredom,nothingtodobesidesdrink.


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


• Wehave3ATM’sinthecommunity• OurPostOfficehasbanking,CommonwealthAgent.• Idomybankingonline.

Arethereanyparticularfinancialorconsumerissuesfacingcommunitypeople?ForExample:travellingdoor-to-doorsalespeoplesellinggoods,peopleoftenusepay-dayloans

• Payloansarebiginthecommunity• Alwaysyourhighinterestloanswhogetpeopleintofinancialtroubles.


• Morehelptoconsolidatedebts• Aservicethatcanworkoutfinancialplans,financialassistance,Financialadvice.• Otherwiseit’sthepaydayloansastheoption.


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.

Yarnin’ Moneyican.org.au/wp-content/uploads/2017/04/ICAN-Interim-Eval...Yarnin’ Money Evaluation...

Documents

Transcript of Yarnin’ Moneyican.org.au/wp-content/uploads/2017/04/ICAN-Interim-Eval...Yarnin’ Money Evaluation...