저소득층을 위한 금융코칭 프로그램의 개념 및 가능성 탐색 = The Concept and Possibilities of Financial Coaching Programs for the Low-Income Families

다국어 초록 (Multilingual Abstract)

The financial lives of the low-income families in South Korea are especially challenging because of the rising household debt. However, there are lack of social welfare policies and programs for this issue. In this regard, this study explored the concept and possibilities of financial coaching as an anti-poverty program. Based on the literature review and some case studies on the USA, the major findings in this study are as follows: First, the financial coaching refers to a program that helps a client to set up her or his own financial goals and plans, and to achieve them by her/himself. Second, unlike Korea, in the USA universities and non-profit organizations provide financial coaching programs for the low-income families at the community-level. Third, by taking one-on-one interventions over time (i.e., three month to one year time frame) and using psychological/social approaches the financial coaching programs go beyond the limit of financial education programs. Fourth, it is not the financial exerts or financial counsellors but the social workers or volunteers who take the key role in implementing these programs in communities. Overall, these findings suggest the Korean non-profit organizations and social work professionals take an untouched mission: the financial capability enhancement and financial coaching for the low-income families in their communities.

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