Your Money, Your Goals
Your Money, Your Goals

Author: Consumer Financial Consumer Financial Protection Bureau

Publisher: Createspace Independent Publishing Platform

Published: 2015-03-18

Total Pages: 0

ISBN-13: 9781508906827

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Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.

Women and Financial Education Evidence, Policy Responses and Guidance
Women and Financial Education Evidence, Policy Responses and Guidance

Author: OECD

Publisher: OECD Publishing

Published: 2013-10-16

Total Pages: 100

ISBN-13: 9264202730

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This book provides policy guidance to help policy makers address women's and girls' needs for financial education, and a comprehensive analysis of the current status of knowledge on gender differences in financial literacy and policy responses in terms of financial education for women and girls.

Rural Development - English
Rural Development - English

Author: Navneet Singh

Publisher: Navneet Singh

Published:

Total Pages: 71

ISBN-13:

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Rural Development Rural development refers to the process of improving the quality of life and economic well-being of people living in rural areas. It involves initiatives and strategies aimed at enhancing infrastructure, livelihood opportunities, social services, and overall living standards in rural communities. Here are key aspects and objectives of rural development: Objectives of Rural Development: Poverty Alleviation: Rural development aims to reduce poverty by creating sustainable livelihood opportunities, enhancing income levels, and improving access to basic services such as education, healthcare, and sanitation. Infrastructure Development: Enhancing rural infrastructure is crucial for connectivity, transportation, communication, and access to markets. This includes roads, bridges, electricity, water supply, and telecommunications. Agricultural Development: Improving agricultural productivity and efficiency through modern farming techniques, irrigation systems, access to credit, market linkages, and agricultural extension services. Employment Generation: Promoting non-agricultural employment opportunities through rural industries, small-scale enterprises, skill development programs, and microfinance initiatives to reduce dependency on agriculture. Social Inclusion and Equity: Ensuring equitable access to resources, services, and opportunities for marginalized groups, including women, youth, indigenous communities, and people with disabilities. Environmental Sustainability: Promoting sustainable natural resource management practices, conservation of biodiversity, and resilience to climate change impacts in rural areas. Health and Education: Improving access to healthcare facilities, sanitation, nutrition, and quality education to enhance human capital and well-being in rural communities. Strategies for Rural Development: Integrated Rural Development Programs (IRDP): Holistic approaches that combine infrastructure development with social and economic initiatives to address multi-dimensional aspects of rural poverty. Decentralized Governance and Participatory Approaches: Empowering local communities through participatory decision-making processes, decentralized governance structures, and capacity-building initiatives. Public-Private Partnerships (PPP): Collaborative efforts involving government, private sector, NGOs, and community organizations to leverage resources, expertise, and innovation for rural development projects. Technology and Innovation: Harnessing technology, digital solutions, and innovation to enhance agricultural productivity, access to information, e-governance services, and entrepreneurship in rural areas. Skill Development and Capacity Building: Promoting vocational training, skill development programs, and entrepreneurship education to empower rural youth and enhance employability. Financial Inclusion and Rural Finance: Expanding access to financial services, credit facilities, insurance, and savings mechanisms to support rural enterprises, farmers, and small businesses. Monitoring and Evaluation: Establishing robust monitoring and evaluation frameworks to assess the impact of rural development programs, ensure accountability, and inform evidence-based policy decisions. Challenges in Rural Development: Infrastructure Deficits: Poor road connectivity, inadequate power supply, and limited access to safe drinking water and sanitation facilities. Income Disparities: Persistent poverty and income inequalities between rural and urban areas, exacerbating migration and social exclusion. Natural Resource Management: Environmental degradation, deforestation, soil erosion, and water scarcity affecting agricultural productivity and rural livelihoods. Social Issues: Gender disparities, lack of access to healthcare and education, child labor, and social exclusion of marginalized groups. Policy Implementation Gaps: Inefficient governance structures, bureaucratic delays, and insufficient coordination among stakeholders impacting program effectiveness and outcomes. Conclusion: Rural development is essential for achieving inclusive and sustainable growth, reducing regional disparities, and enhancing the overall quality of life in rural communities. It requires comprehensive strategies, targeted interventions, and multi-sectoral partnerships to address socio-economic challenges and unlock the potential of rural areas as engines of economic development. Effective rural development policies should prioritize inclusive growth, environmental sustainability, social equity, and empowerment of rural populations to create resilient and thriving rural communities.

Empowering rural women through social protection
Empowering rural women through social protection

Author: Food and Agriculture Organization of the United Nations

Publisher: Food & Agriculture Org.

Published: 2018-10-17

Total Pages: 48

ISBN-13:

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The paper reviews evidence on the most widely-used social protection schemes, assessing the extent of their current and potential impact on women's economic empowerment.

Contemporary Research and Practices for Promoting Financial Literacy and Sustainability
Contemporary Research and Practices for Promoting Financial Literacy and Sustainability

Author: Sun, Lan

Publisher: IGI Global

Published: 2024-08-12

Total Pages: 338

ISBN-13:

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The global economy is undergoing profound shifts, powered by technological advancements and financial innovations, reshaping the role of finance in ways we've never seen before. As these forces reshape the world of finance, it becomes increasingly essential for academic scholars, practitioners, and future finance professionals to stay ahead of the curve, understanding the latest developments and trends. The problem is that finance education and practice often struggle to keep pace with these transformative changes. Standard textbooks and curricula tend to lag behind advancements in the field, leaving aspiring accountants and finance practitioners ill-prepared to tackle the challenges and opportunities of the modern financial world. Additionally, there is a gap between academic research and practical applications, making it difficult for scholars to bridge the divide and offer real-world solutions. Contemporary Research and Practices for Promoting Financial Literacy and Sustainability presents a comprehensive solution to these challenges. It serves as a beacon of knowledge, bringing together classical finance topics and the latest developments, ensuring that future accountants and finance professionals are equipped with the knowledge necessary to navigate the reshaped financial landscape. By integrating contemporary research into finance teaching, this book bridges the gap between theory and practice, offering innate insights into theoretical concepts and their practical applications.

Empowering India Through Digital Literacy (Vol. 1)
Empowering India Through Digital Literacy (Vol. 1)

Author: Dr. R. Babu, Dr. S. Kalaivani & Dr. K. Saileela

Publisher: Lulu.com

Published: 2019-04-26

Total Pages: 442

ISBN-13: 0359527639

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Traditionally education is centered on sources such as schools, teachers and print media. The learners reached the information sources by enrolling with schools, teachers and libraries. Prior to the digital era, information was not accessible by the majority of people, and even those accessed were unable to obtain current information with respect to today's context. The modern society wants to know the information as it happens and when it happens, and the world is moving from an information society to a knowledge society. Thus education is given the highest priority and brainpower is becoming the most valuable asset of an organisation. Advances in digital technology have opened up many avenues of learning. Technology has made information accessible / transmittable from anywhere and by / to all groups of people. The higher education landscape is changing rapidly, challenging academic professionals to think critically about their roles in the field.

Indian Economic Development - Class 11 - English
Indian Economic Development - Class 11 - English

Author: Navneet Singh

Publisher: Navneet Singh

Published:

Total Pages: 465

ISBN-13:

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Indian Economy on The Eve of Independence On the eve of India's independence in 1947, the Indian economy was predominantly agrarian, with agriculture contributing a significant portion to the national income and employing most of the population. However, it was also characterized by a complex mix of colonial exploitation, poverty, and limited industrialization. Key Features of the Indian Economy Before Independence: Agriculture Dominance: Agriculture was the backbone of the economy, employing about 70-80% of the workforce. Landholdings were generally small, and farmers faced various challenges such as tenancy issues, lack of credit, and dependence on monsoons. Colonial Legacy: The British colonial rule had left a deep imprint on India's economy, with policies often designed to benefit British interests. Industries were concentrated in a few urban centres, mainly for processing raw materials for export. Limited Industrialization: India had a nascent industrial sector, mostly comprising small-scale industries and cottage industries. Major industries like textiles, jute, and steel were in existence but were largely underdeveloped compared to their potential. Trade and Commerce: India's trade was dominated by British interests, with raw materials being exported to Britain and finished goods imported back into India. Infrastructure such as railways and ports primarily served the purpose of facilitating colonial trade. Infrastructure: The infrastructure was inadequate and unequally developed across regions. Railways, though extensive, were largely geared towards transporting raw materials for export rather than promoting industrial growth. Poverty and Social Issues: Poverty was widespread, with a large population living below the poverty line. Social issues such as caste-based discrimination and limited access to education and healthcare persisted. Political Unrest: The economy was affected by political movements and unrest against British rule, which often disrupted economic activities. Challenges on the Eve of Independence: Economic Dependence: India was economically dependent on Britain, both in terms of trade and technology. Infrastructure Deficit: Limited infrastructure development hindered economic growth. Social Issues: Poverty, illiteracy, and social inequality posed significant challenges. Industrial Backwardness: The industrial sector was underdeveloped, leading to limited job opportunities outside agriculture. In summary, the Indian economy on the eve of independence was characterized by its agrarian base, colonial exploitation, limited industrialization, and significant social and economic challenges. The period following independence would witness efforts to address these issues through economic planning, industrialization policies, and social reforms aimed at transforming India into a modern nation.

The returns to empowerment in diversified rural household: Evidence from Niger
The returns to empowerment in diversified rural household: Evidence from Niger

Author: Wouterse, Fleur Stephanie

Publisher: Intl Food Policy Res Inst

Published: 2017-02-23

Total Pages: 32

ISBN-13:

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Niger is a landlocked Sahelian country, two-thirds of which is in the Sahara Desert. Although only one-eighth of the land considered arable, the overwhelming majority of Niger’s households is involved in rain-fed agriculture largely for subsistence. Given erratic rainfall and low soil fertility, most smallholders fail to produce enough food to meet household requirements. Income diversification is thus the norm among these rural households and different income-generating activities offer alternative pathways out of poverty for households as well as a mechanism for managing risk in an uncertain environment. Empowerment is likely to be an important factor affecting the ability of households to diversity their activity portfolio and may also affect activity-incomes and thereby household welfare. In this study, I use new household- and individual-level empowerment data from the Tahoua region of Niger and regression analysis to quantify the effects of a range of human capital measures including empowerment on the activity portfolio and activity incomes of rural households. My findings reveal that empowerment in particular plays an important role in enabling households to engage in mixed diversification strategy, which combines staple cropping with nonfarm activities and migration. This is a “last resort” strategy for households in lower landholding quintiles to ensure food security and complement an inadequate resource base. Controlling for activity choice, three empowerment indicators in particular—confidence, group membership, and tenure security—strongly and positively affect income from staple and cash cropping, which on average makes up about 90 percent of household income. In fact, empowerment is the only human capital variable that strongly and positively affects total household income, opening up interesting avenues for policy interventions aimed at augmenting a household’s noncognitive ability through, for example, leadership training or encouraging producer group membership—to increase incomes of the rural poor.