'n Bendadering tot finansiele kwesbaarheidsreduksie : finansiele geletterdheidsopvoeding binne ’n maatskaplike ontwikkelingsparadigma

Engelbrecht, Lambert K. (2009-06)

Please cite as follows:

Engelbrecht, L. K. 2009. 'n Bendadering tot finansiele kwesbaarheidsreduksie : finansiele geletterdheidsopvoeding binne ’n maatskaplike ontwikkelingsparadigma. Tydskrif vir Geesteswetenskappe, 49(2): 201-219.

The original publication is available at http://www.assaf.co.za/programmes/open-access-scielo-sa/

Article

A significant number of people in South Africa who are accommodated within the social welfare system, display a lack of understanding of financial matters and are therefore financially vulnerable. In South Africa, social welfare policy initiatives are directed by the White Paper for Social Welfare and are primarily focused on the socio-economic needs of all South Africans, specifically those of the previously disadvantaged and poor people of the country. This White Paper which supplies a macro-policy framework for poverty alleviation, is based on social development theories, combining social and economic objectives. Practitioners of social development however, deal with financially vulnerable people on a daily basis, and within the social development paradigm, must attempt to set into operation the development goals on the micro-practice level. This matter informs the objective of this article, namely to construct an approach to financial vulnerability reduction within a social development paradigm. This could make a contribution to the country’s strategy against poverty. In this article the South African social development paradigm will be placed in its proper context, after which financial vulnerability and financial literacy education will be explored and described and also examined as a practice reality by means of an instrumental qualitative case study. Participants in the case study consisted of ten registered social workers employed at an established non-government organisation (NGO). Purposive non-probability sampling was used to select the participants, as these social development practitioners could offer expert opinions on the subject. This particular NGO delivers social development services in several provinces and like other NGOs should adhere to the financial policy of the Department of Social Development. The aim of the case study was to explore how development practitioners perceive and experience the financial vulnerability of their service users (clients) within a social development paradigm as practice reality in South Africa.

’n Beduidende aantal mense in Suid-Afrika, wat in die maatskaplike welsynsisteem geakkommodeer word, toon gebrekkige finansiële begrip en is derhalwe finansieel kwesbaar. ’n Relevante benadering om mense se finansiële kwesbaarheid te reduseer binne die maatskaplike ontwikkelingsparadigma kan dus ’n bydrae tot die land se teen-armoede-strategie lewer en motiveer die doel van hierdie artikel, naamlik om ’n benadering tot finansiële kwesbaarheidsreduksie binne ’n maatskaplike ontwikkelings paradigma te konstrueer. Die doel van die artikel word bereik deur die Suid-Afrikaanse maatskaplike ontwikkelingsparadigma te kontekstualiseer, waarna finansiële kwesbaarheid en finansiële geletterdheidsopvoeding binne hierdie konteks verken, beskryf en as praktykrealiteit ondersoek word deur middel van ’n instrumentele kwalitatiewe gevallestudie, bestaande uit tien deelnemers wat by ’n gevestigde nieregeringsorganisasie (NRO) werksaam is. As uitkoms word kernelemente van finansiële geletterdheidsopvoeding as benadering vir finansiële kwesbaarheidsreduksie binne die plaaslike maatskaplike ontwikkelingsparadigma gekonstrueer. Binne hierdie paradigma is finansiële geletterdheids opvoeding ’n mikropraktykbenadering wat volgens volwassene onderrigbeginsels op definitiewe uitgangspunte en perspektiewe gegrond is. Hierdie mikropraktykbenadering behels die bewusmaking en deurlopende, lewenslange aanleer van ’n stel multi- dimensionele persoonsgesentreerde lewensvaar dighede. Finansiële geletterdheidsopvoeding verwys ook na situasie-relevante kompetensies, wat bestaan uit spesifieke kennis, waardes en vaardighede binne inheemse kulturele verband en is gefokus op mense se vermoë om hulle beskikbare geld te bestuur. Hierdie benadering kan die grondslag vir suksesvolle inkomstegenererings projekte lê, kan as onderbou vir mense se migrasie na die hoofstroom ekonomie dien en kan ook na ander lewensterreine getransponeer word. Sodoende word ekonomiese en menslike ontwikkeling binne ’n maatskaplike intervensiekonteks geïntegreer en is dit binne bereik van maatskaplike ontwikkelingspraktisyns om te fasiliteer.

Please refer to this item in SUNScholar by using the following persistent URL: http://hdl.handle.net/10019.1/86780
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