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The AMELA module trains MFI staff to deliver individual counseling to clients to help them build awareness, knowledge and skills around the issue of personal money management and broad use of financial services

Traditional strategies for managing the family budget are quickly becoming outdated in a time where income is uncertain, and the complexity of financial tools is increasing. Sound management of the family budget requires new knowledge and skills, especially for those with low incomes. Effective household financial management is also important during times of economic crisis, when many clients experience over-indebtedness and repayment difficulties, and when it becomes clear that few can count on a “savings safety net”.

Given this, there is a clear role for MFIs to help clients develop the skills, knowledge, and attitudes necessary for successful short-term personal money management, as well as long-term financial goal achievement. The AMELA module provides step-by-step guidance for effective individual financial education counseling, helping MFI staff to understand:

  • Why is counseling important to clients and financial institutions?
  • What is the role of a counselor in the life of a client?
  • What do we mean by “counseling”?
  • What are the objectives of client counseling?
  • What are the key building blocks of any counseling session?
  • How can you structure an effective counseling session?
  • What does effective monitoring include?
  • What is the profile of an effective counselor?
  • How should you prepare the right space for a counseling session?

This framework for individual financial education counseling was developed by the Microfinance Centre (MFC). It builds upon MFC’s experience in developing and implementing a financial education approach in a number of regions across the globe.

Learn more by downloading an AMELA factsheet>