Discussion Guides

Discussion Guides
This resource is made possible by the generous support of the American people
PART A
Introduction for
TRAINERS & FACILITATORS
About the Campaign
Many people have experience spending money, but fewer have a clear understanding of what else they
could, or should do with money
The National Bank of Cambodia, in partnership with Good Return, has developed the Lets #TalkMoney
campaign to encourage young Cambodians everywhere, to talk more about money, to seek out
information and use it to make wise money decisions.
Please encourage participants in your programs, to get involved today!
#TalkMoney with your friends and family

Our campaign was designed to encourage Young Cambodians
to talk more about money,
to seek out information,
and use it to make wise money decisions.
Share, Share, Share the #hashtag on social media

We love being social!
You can help us spread the word
Use our campaign hashtag #TalkMoney
to share the campaign with your friends & family!
Send a #TalkMoney SMS to friends and family

Weve prepared SMS messages you can use
to share the campaign with your family & friends!
We have new video content being released each week!
Send a quick SMS to remind your family & friends to
check the latest video!
Dont forget to catch us on radio & TV!
Take photo & show us how you #TalkMoney

An image tells a thousand words!
Want to feature on our Facebook?
Upload a photo of yourself talking money with family & friends!
Take our #TalkMoney survey.

We want to hear your opinion about our campaign!
Take a survey and go in the draw to win a prize
Lets #TalkMoney!
A note to Facilitators and Trainers
Effective learning requires more than just the study of ideas or the sharing of information.
It also involves exploring how we feel about the ideas and concepts we are exposed to, how these ideas
when it comes to applying them in our own life.

The Lets #TalkMoney Campaign uses Discussion Guides to help you support participants to explore
reflection and conversation.

Great news!
You dont need to be an expert on the topics nor do you need to pour in lots of additional information!
The Lets #TalkMoney Discussion Guides provide you with great questions to draw out the ideas,
experiences and knowledge from all participants.
out the next steps required to seek out information and use it to make wise money decisions.
The Discussion Guides
Focus establish the topic in the minds of the participants
Ask to generate interaction, ask one or more questions
Add view the Public Service Announcement media clip
Apply to reflect and discuss the media clip

What did you just watch?
How did it make you feel? Perhaps you are facing an issue like the one in the clip?
What influence, if any, did the clip have on how you want to manage money?
Activate
Two different length guides are provided: 20 minute and 40 minute Discussion Guides.
For a 60 minute training, combine 3 x 20 minute Discussion Guides together!
Facilitators and Trainers may need to adapt the Discussion Guide if delivering to large groups (more than
25 persons) through mass instruction. While size hinders discussion, dividing larger groups into smaller
clusters may prove successful.
Selecting the right Discussion Guide
Each Discussion Guide follows the same format, the core difference is how many media clips are used in
the session.
Got 40 minutes include 1 to 2 Vox Pop[1] media clips as well as the Public Service Announcement.
For a 60 minute training, combine 3 x 20 minute Discussion Guides together!
Add
Go to the video: Vox Pop Clip
Apply
Saving How did it make you feel? Perhaps you are facing an issue like the one in the clip?
Focus
Ask
Add
Apply
Activate
Want to know more?
Add in 1 to 2 Vox Pop Clips for participants to think about

public opinion, and reflect on the challenge presented to the
viewing audience. This will serve to prime the participants
ready to absorb the Public Service Announcement and key
educational message.
INCLUDE GREY SECTION FOR ADDITIONAL 20 minutes of
CONTENT
[1] Vox Pop is The voice of the people.

Format - Apply to Activate
It is recommended Facilitators and Trainers familiarize themselves with the sample questions and
approach outlined below.
Saving
Focus
Ask
Add
Apply
Add
Go to the video: Vox Pop Clip
Apply
Activate
Want to know more?

A few extra suggestions...

A single viewer or learner will not have captured all of the
details.
By asking for someone to start, thanking them for their
contribution and then inviting people to add to what has
started, it encourages listening, and reduces anxiety related to
contributing to the discussion.
the discussion, helps to build group safety and willingness to

contribute.
How did it make you feel?

It is important for facilitators or trainers to create safe spaces
for learners or viewers to acknowledge the emotions that were
triggered or raised, and bring them into the discussion as this
is a way to process the events and situations in their own
lives.
What influence, if any, did the clip have on how you want to
manage money?
opportunity for audience or learners to express, gain feedback

and clarify behaviour change ideas before making a greater
personal commitment to change.
This type of decision making and experimentation with different
choices serves to reinforce the key ideas and educational
messages, embedding them into memory.
What do you want to do with what you have seen and discussed
today?
and share your answer to this question. This technique gives

every learner the opportunity to participate and manages time
Dont Forget -
create a safe learning
Like any interactive experiential learning tool, the level of trust and openness that exists between
participants and their facilitator, as well as the level of strategic questioning and training skills displayed
by the facilitator, will have a bearing on the overall experiences of participants and outcomes achieved.
To encourage people to share, the facilitator or trainer must create:
A SAFE environment to #TalkMoney Ensure you start the session by establishing some ground
rules (i.e. no judging, what gets discussed here stays here, etc)
Remember: This should only take 1 to 2 minutes.
Location Pay careful attention to where the discussions take place, as this will have a bearing
on the quality of the outcome (look for a separate space or room that builds neutrality and
safety)
(not in rows), with the ability for everyone to see each other.
Remember: no tables! Tables become a barrier to effective conversation.
Timing The discussion should take place immediately after the media clip concludes, to ensure
emotions, events and meaning is captured and utilised while memory is fresh. Remember: The
clips are only short, so ask the participants if they wish to see it for a second time! This can be a
great way to ensure everyone has time to absorb the story and hear the educational message!
Engage with the Emotions Scenarios contained within the Public Service Announcements,
while containing a comedic twist, are often emotionally charged. It is important for facilitators
or trainers to create safe spaces for learners or viewers to acknowledge the emotions that were
triggered or raised, and bring them into the discussion as this is a way to process the events and
situations in their own lives. Remember:
how learners feel about the situation in the clip.
Get at the Why? scenario It is important for strong engagement of learners and necessary
for the effectiveness of the campaign, that facilitators or trainers help audience or learners to
the mental space or energy to engage with learning just for knowledges sake. Remember: The
goal is not just telling the learner to remember something, it is asking strategic questions in
an intentional sequence that help the learner or audience to connect ideas and bridge any skill,
knowledge or other gaps.
Learners journey of discovery Dont fear the silence. While assistance is often needed for
audience or learners to reach a deeper level of understanding, this support or guidance does
not always have to come from the facilitator or trainer, many times as learners share and ask
questions or comment on each other, insights and connections are made.
PART B
Discussion Guides
Keep Walking No P
roble
m
g
Savin
The Shopper The

Whis
per
a Fish
Half
Saving
Wise money decisions today can lead to a secure future tomorrow.
Saving
Focus
There is a saying that a journey of a thousand miles begins with a single step!
Ask
Do you
HOPE TO SAVE? WISH YOU COULD SAVE? Or PLAN TO SAVE?
Discuss with the person siting nearest you
Do you think anything would change if you paused before spending and asked yourself
How long and how hard will it be to earn the same amount of money I am about to spend?
Add
Go to the Video: Vox Pop Clip #2
2 What is your best money management tip?
Apply
Invite participants to reflect & discuss
Were there any surprises or unexpected moments in the clip?
In the medial clip we just saw, did you identify with anyone?
What were there any big ideas being presented?
Add
In the clip we are about to see, we will follow the journey of a boy and how he manages money. Pay
careful attention to the choices he makes along the way!
Go to the clip: SAVINGS

Apply

Can someone give us a brief summary of what was going on in the clip?
Does anyone want to add to those details?
For you, what was the most interesting part of the clip?
What was the challenge, problem or issue for this person?
What caused the person to be in that situation?
How was the challenge or problem dealt with in the clip?
What emotions were generated during or after watching this clip?
What choices and actions did the boy take that made savings possible?
There were 2 important decisions the boy made after observing his Grandfather.
What do you think was the key point being expressed in the clip?
Is anyone courageous enough to share with the rest of us, one idea you had before today that
after watching the clip, has you thinking in a different way about money?
Do you have any questions or concerns that you need answered before we leave today?
Activate
From this clip we can see a simple yet effective 3 step guide to saving successfully:
Aim to save Create opportunities to save Explore the options for the best place to save!
What will you do with what you have seen and discussed today?
Want to know more?

Find us on FB at www.facebook.com/talkmoneyinfo
Background Trasncript - Saving
We open up to a small boy curiously walking through his house the way little boys often do. This is THE BOY. He stops
in front of a special room (the light is warm and it draws THE BOY and the audience in).The curtain is blowing in the
wind and THE BOY looks through. He sees his GRANDFATHER carefully putting money in a little box and under his
bed. THE GRANDFATHER is saving money "for a rainy day". The BOY is witnessing something hes never seen before:
someone he respects and loves, saving money.
The boy receives money from his smiling mother (1000 Riel in 2 x 500 Riel notes) for school books, teacher fees, food
and/or other expenses.
THE FATHER and THE MOTHER say goodbye to his son with a hug.
Once he is alone, THE BOY carefully separates the bills. In the same way that he saw his GRANDFATHER save, he is
now putting away some of the money to start saving on his own. THE BOY saves money
puts the money into a small, wooden box and then it gets progressively bigger, fancier, and more secure.
Interspersed throughout this montage are scenes where THE BOY saves money by doing small odd jobs. What is
important is for the audience to see that THE BOY (and later as THE YOUNG MAN) has received money for his work. As
he gets older the jobs change. THE BOY is now THE YOUNG MAN.
At one point the YOUNG MAN rides a very humble motorbike with a huge amount of wicker baskets on the bike for
comedic effect. He gets paid for his work by THE BASKET SHOP OWNER before he hops on the bike and rides off.
The YOUNG MAN riding on the moto with the overloaded merchandise.
THE YOUNG MAN looks at the box where he keeps his saved money. Its completely full and overflowing with bills. He
doesnt know what to do about this.
THE GRANDFATHER has been watching THE YOUNG MAN from behind a curtain (in the same way THE BOY observed
him years back), and he walks in to talk to him.
THE YOUNG MAN and THE GRANDFATHER sit down with a trusted bank employee. Once again, the grandfather has
taught the young man the best way to save.
THE FATHER is at home one day picking up something and he clutches his heart at a sudden pang of pain. THE
MOTHER, who was working nearby, races over and puts her arm around him. He is sick and must be taken to the
hospital. We dont see him being taken to the hospital,
THE YOUNG MAN races through the doors of the hospital and into the lounge where a NURSE tells him that his
FATHER is in a room. THE YOUNG MAN walks into the hospital room where his MOTHER is sitting next to the FATHER,
holding his hands. THE MOTHER is holding in her hands a paper that is obviously the bill. She places the bill on the
nightstand and turns it around.
The MOTHER slides the bill closer to THE FATHER. THE FATHER looks at her sadly from the hospital bed, looks away
and shakes his head.
THE BOY has been watching this scene happen from a distance.
With great resolve and tenderness, THE YOUNG MAN walks over, turns the bill around, looks at it and offers
to pay for their bills with the money he has saved across the years. The YOUNG MAN then pays for the bill.
This is the "rainy day" hes been waiting for and through these small actions hes been able to save money
in order to save his FATHER.
The parents and THE YOUNG MAN embrace. They are overwhelmed with joy and gratitude by THE YOUNG MANs
actions.
They, like our viewers, are act of love which was made possible by a little boy who simply
imitated the wise actions he once saw in his grandfather.
Keep Walking
Dont let your income get caught up in high repayments!
Compare interest rates,
Understand contract terms, and
Educate yourself to negotiate for the best results.
Lets Talk Money!
Keep Walking
Focus
There is a saying
If you dont understand something you cant calculate it!
If you cant calculate it you cant manage it
What might this saying have to do with borrowing wisely?
Ask
How many reasons can you think of, that people borrow money?
How would someone work out whether taking out a loan will
take them forward or set them back?
Apply
3 When it comes to a loan contract
what are the most important 3 things should you understand?
5 If you had to take out a loan today, what collateral would you need to provide?
7 What should you expect Banks or MFIs provide you information on?
8 How do people know what loan is best for them?
Add
Add
I want you to pay special attention to the changes of emotion in our lead character.
Go to the clip: KEEP WALKING

Apply

Can you identify what choices the character faced?

What should the lead character do differently next time they are faced with this type of
situation?
Activate
Try to remember these 5 checks:
Purpose Is this the best loan to move me closer to achieving my goals?
Repayment Schedule Does it match my income flow?
Interest Rate Is this the lowest possible interest rate for this type of loan?
Terms and Conditions
Total Cost Have I worked out the full cost to access this money through this loan?
Until you KNOW the answer should stay NO.
Want to know more?

Background Trasncript - Keep Walking
FISHERMAN 1, like most of our other protagonists, is a nervous talker. FISHERMAN 2 is a good listener
and friend.
FISHERMAN 1: This new engine is great! Never again will we be stuck at sea for 12 hours! Damned old
engine. Never again! Dont you love this engine? mmmm... I love this engine!
FISHERMAN 2: (Less enthusiastic and matter of fact) Sure...I like it. How were you able to afford it?
confused. He accepts the logic anyway.

FISHERMAN 2: Ok.....and did you get a good rate?
FISHERMAN 1: Excellent rate! 8%...per month!
the audience. As FISHERMAN 2 thinks about all this (with a clueless look like hes never heard of it) he
FISHERMAN 1: No! But dont worry! The interest rate the guy gave me is so good Im even thinking of
buying new nets and a new crane!
water to get some of it.

FISHERMAN 1 continues to throw even more nets full of money into the water. The camera cuts back
and forth between the money, FISHERMAN 1 talking and FISHERMAN 2s escalating reactions of horror.
FISHERMAN 2 cant take take it any longer. He drops the net. The frame freezes on this shot.
Block text appears on screen with a whipping sound, superimposed on the freeze frame.
When the screen unfreezes, we enter into the educational piece of the PSA. We see FISHERMAN 2 talking
Last shot shows FISHERMAN 1 sitting on the boat or the bank of the river, looking at an EIR rates card. He
is taking a proactive step forward.
No Problem
Dont borrow from one [loan] to pay another.
Taking too many loans without a secure source of income
can burden you and your family.
Lets Talk Money!
No Problem
Focus
Your choices to borrow money are all around you, in many different forms!
Ask
How many places can we think of together that offer you a loan, or purchase on instalments, or
credit?
Answer:
Semi Formal NGOs
How do you avoid borrowing too much?

Answer:
The wisest way to manage debt is to ensure the TOTAL OF YOUR LOAN REPAYMENTS per month
not exceed your AVAILABLE cash per month! The more AVAILABLE cash committed to loan
repayments, the more vulnerable you will be!
Add
4 Is there any relationship between debt levels and stress in a family or household?
9 What happens if you cant repay a loan?
Apply
Add
This clip is all about learning to pay more respect to debt!
Go to the clip: NO PROBLEMava
Apply

When the character was considering adding to her overall debts owning, what emotions
surfaced for you?
What money attitude do you think caused our character to be in this situation?

Activate
capacity.
Do you know what your current total debt owing represents?
consequences that follow.
Want to know more?

Background Trasncript - No Problem
putting it on a mat near the threshing machine. Other farmers are organizing the rice on the mat. FARMER
1 and FARMER 2 are taking the bundles of rice and putting them in the thresher. An establishing shot of a
chain of farmers harvesting the rice with thresher rice spitting out the back of the thresher.
FARMER 1 is facing back towards the exhaust of the thresher while FARMER 2 is facing the opposite
direction. FARMER 1 is talkative, optimistic and a little nervous; FARMER 2 is a good listener.
the thresher.
FARMER 1: So...I took a loan from the MFI the other day.
FARMER 2: Oh yeah?
FARMER 1: Yes! I got it to pay for the rice. I even used some of the money to pay for a new color TV!
FARMER 2: A color TV?!
CUTAWAY to communal TV AREA: The camera shows a group of rowdy men watching boxing on the new
TV, clinking glasses and yelling at the screen. The camera cuts back quickly back to FARMER 2s face of
confusion.
FARMER 2: But we still havent sold a bag of rice this year.
FARMER 1: (Optimistic!) Not yet. (Pauses) Anyway...my kids havent sent the money this month. So
between that and the TV, I had to take another loan to pay for the 1st one.
FARMER 2: Another loan?!
She is so distracted by telling her story and partially blinded from the dust from the thresher that she
hasnt noticed that the rice she is grabbing has turned into stacks of bills.
FARMER 1: Dont worry. I know a guy in the village...a really nice guy with a beautiful smile. He told me that
everything would be ok. The payments are super low and all I have to do is pay back the interest!
FARMER 2: But what if your kids lose their job?
FARMER 1: (Optimistic) Theyre not going to lose their job. And even if they did, I could just take out
another loan!
Without looking she starts to throw the money into the thresher, instead of the rice. The more she
describes her loan situation, the more money comes out of the thresher, blowing every which way, away
from her. FARMER 1 cant see it but FARMER 2 sees the whole thing.
CUTAWAY to a shady looking guy with a huge smile. He winks at the audience and we hear a sound effect.
Cuts back quickly. As she says all this, she has continued to pour bundles of cash into the thresher and
right before she can do it again, her friend desperately (and hilariously) blocks her from doing so. The
camera freezes and holds on the interception and on the friends funny face. ON SCREEN: Block text
appears on screen with a whipping sound, superimposed on the freeze frame.
When the screen unfreezes, we enter into the educational piece of the PSA. FARMER 2 is talking to
FARMER 1 in a very calm and instructional manner.
Half a Fish
Take care to plan before sending money home.
Always remember to save some too!

Take care of whats important (including YOU)!
Lets Talk Money!
Half a Fish
Focus
Ask
How do you make sure you have enough cash available to meet your expenses?
Add
Go to the Video: Vox Pop Clip Options
1 How easy or hard is it to talk about money in your family?
Apply
Add
situation , impulse or expense as it comes along?
Lets see what our character does in this clip
Go to the clip: HALF A FISH
Apply

What was the big issue for this character? She was sending money home
isnt that the right thing to do?
What emotions were generated during or after watching this clip?
What are some positives or things that went well for the lead character in that clip?
To save is a big challenge!
When it comes to understanding our personal motivation for earning, sending and saving money,
it can be useful to ask yourself what motivates me most NOT TO SPEND?
a) A goal to ACHIEVE?
b) A commitment or RESPONSIBILITY TO FULFILL?
c) Something or someone to SECURE?
Share with the person nearest you, what motivates you NOT TO SPEND
Activate
A plan can be the difference between success and falling in a heap should the unexpected happen! Life
What do you want to do with what you have seen and discussed today?
Want to know more?

Background Trasncript - Half a Fish
Two garment workers are sitting in the factory sewing shirts. FACTORY WORKER 1 is a nervous type of
person. She is intentionally living in a very basic way in order to send all her money to her family through
a transfer agency. She is starting to feel more stressed because of it. FACTORY WORKER 2 is a good and
caring listener, although she cant hide her surprise at what FACTORY WORKER 1 is telling her about how
she manages her money. FACTORY WORKER 1 enters the scene and sits down at her sewing station. It is
obvious she is frustrated and feeling emotional about something that just happened. The scene, however,
is meant to be funny and not emotional or dramatic.
FACTORY WORKER 2: Wait, what?
FACTORY WORKER 1: Im sending all my money to my family.

FACTORY WORKER 2: ALL OF IT!?
FACTORY WORKER 1: Well, I keep some for rent and water. Now my roommate moved out and Ive got to
pay for the room all by myself! (Repeating herself dramatically) Plus rent ...plus food... plus my family!
As she lists these things, she starts stitching cash into the garments she is sewing. FACTORY WORKER 1
is so distracted by the noise and her stressed out thoughts and monologue that she hasnt even noticed!
The camera cuts back and forth between each new shirt sewed up with Riel notes and FACTORY WORKER
2 who is making faces of horror at the sight of seeing her friend sewing away her money. FACTORY
WORKER 1 continues rambling away.
FACTORY WORKER 1: Forget about visiting my parents OR...what if I get sick or what if I have an
FACTORY WORKER 2 cant take it any longer. She lifts one of the sewed on garments up to show her friend
what shes doing. The camera freezes on FACTORY WORKER 2s funny face and on the garment that she is
showing.
Block text appears on screen with a whipping sound, superimposed on the freeze frame. When the
screen unfreezes, we enter into the educational piece of the PSA. FACTORY WORKER 2 talks to FACTORY
save some by putting some into savings.

The next scene shows her sending her money to Wing for the remittance. As she is walking out of the
FACTORY WORKER 1 smiles, then starts talking to her mom (although we cant really hear what shes
mother.
The Shopper
Before you sign a loan contract, consider carefully whether you can
afford the loan, and more importantly, whether you are prepared to make
Lets Talk Money!

The Shopper
Focus
Cash can be hard to keep track of
Money coming in! Money going out!
But if we are not careful, our cash can justDISAPPEAR!
Cold hard cash is the most demanded medium for exchange.
Without cash, everything grinds to a halt!
Ask
How do you make sure you dont run out of cash?
Add
3 When it comes to a loan contract what are the most important 3 things should you
understand?
4 Is there any relationship between debt levels and stress in a family or household?
9 What happens if you cant repay a loan?
Apply
Add
When we dont have enough cash for our needs, credit becomes an option to consider.
But, do you know what makes someone credit worthy?
In other words, worthy of extending credit to?
Someone who is credit worthy is someone who is considered both ABLE to repay and WILLING to
pay back their loan!
This clip is all about regaining our control of credit and taking an honest look at our existing
obligations!
Go to the clip: THE SHOPPER

Apply

Can anyone explain what a repayment schedule is?
Answer:
Can anyone explain what consequences might exist if someone does not meet their commitment and
obligation to the repayment schedule?
Answer:
When you saw the choices being made by our lead character to complain about his
repayments, but continue to spend lavishly, what emotions were generated?

situation?
Did you know that making repayments regularly and in full will help you build and keep a good
repayment record, strong credit history, and make it easier to access affordable credit in the future!
Activate
All our expenses, bills and other money obligations have time pressures. Each of us races against the
clock to earn enough cash to meet our obligations before they are due!
There is nothing wrong with spending it all comes down to the timing and ensuring that regardless of
circumstances or impulses, that you honour the terms and conditions of your loan.
Want to know more?

Background Trasncript - The Shopper
Two young men are walking and talking through a market in Phnom Penh. SHOPPER 1 is a talkative guy,
brimming with nervous energy. He is very expressive and seems to have a lot on his mind. Throughout
the dialogue he switches very naturally between complaining about his stress (due to the loans that are
overwhelming him) and the things hes looking at and buying. SHOPPER 2 is the listening friend. As the
dialogue progresses, he is also the one who will carry all the stuff that SHOPPER 1 is buying.
They stop in front of a rack of sunglasses.
SHOPPER 1: (While looking at a pair of glasses) Man, these repayments are really becoming a pain...
SHOPPER 1 ...Yeah...Ill have three of those. (Points to glasses on the rack and signals to the shop owner.)
They are standing in front of a different location.
SHOPPER 1 ...Im so stressed! Im not sleeping well and I cant focus at work! Yeah Ill take four of those,
too.
They are standing in front of a different location.
SHOPPER 1 (Points to [item] and signals to the shop owner) Im going to be late for my repayments again.
Can you believe that...?
SHOPPER 1...Ill have the extra large one, please!
With each new purchased item, the camera cuts back to SHOPPER 2s face of horror and frustration at
the sight of seeing his friend wasting his money away on more things, when he clearly needs the money
to make this weeks repayment. The stuff gets piled higher on SHOPPER 2, covering his body more and
location.
SHOPPER 1: Time just flies, you know? Agh! Im just so stressed! Im losing hair and Im losing weight and
Im getting wrinkles.
SHOPPER 1: The red one, of course! (Points to [item] and signals to the shop owner.)
They are standing in front of [location]. SHOPPER 1 keeps stacking the objects higher and higher on
SHOPPER 2. SHOPPER 2 cant take it anymore. With a funny face of frustration,
he raises his arms in protest and drops everything. The camera freezes on this image.
SHOPPER 1: My repayments are piling up higher and higher. What am I going to do?
Block text appears on screen with a whipping sound, superimposed on the freeze frame.
When the screen unfreezes, we enter into the educational piece of the PSA. We see SHOPPER 2 talking
something else, pausing, smiling and choosing to walk on without purchasing.

The Whisper
Who do you need to talk about your money concerns?
Lets Talk Money!

The Whisper
Focus
Do you know that many people think the only reason to communicate with a
Financial Service Provider is when you have a serious complaint to make!
understand and improve the experience for all!
Ask
Lets break up into two groups
Group A: Your task is to think of as many reasons as you can that influence people to stay silent when
expectations were not met or if something does not seem right!
Group B: Your task is to think of as many reasons as you can that motivate people to take action and
exercise their consumer voice!
Add
1 How easy or hard is it to talk about money in your family?
13
Apply
Add
When it comes to dealing with a situation, what type of person are you?
Are you a proactive person or a reactive person?
Pay attention in this clip which of our two characters is proactive and which is reactive?
Go to the clip: THE WHISPER
Apply

What caused the person to be in that situation?
How was the challenge or problem dealt with in the clip?
provider?
Why do people choose not to give feedback, raise a concern or communicate at all?
Many times it is because they dont want to upset the relationship.
Worse still, people fear being penalized in some way if they do exercise their voice!
What options exist for dealing with a situation like this?

Activate
The only way your consumer voice gets stronger, is by exercising it regularly!
If you feel confused, if your expectations were not met, if a decision appeared bias or in your dealings with
SUPPORT PHONELINE or go in and #TalkMoney with staff at your closest BRANCH.
Want to know more?

Background Trasncript - The Whisper
Two sisters are cooking in a traditional Khmer house. SISTER 1 has something on her mind that she wants
to share. She looks a little nervous. SISTER 2 is simply listening to her sisters concerns and showing
support while they cook. Its important to note that SISTER 2 in this scene is not angry with SISTER 1;
spoken very quickly with very little time for reaction)

SISTER 1: Im really worried.
SISTER 2: What are you worried about?
SISTER 1: I paid the repayment on my loan last week but it didnt show up on the outstanding loan
balance.
SISTER 2: Thats strange.
SISTER 1: Do you think someone stole the money or maybe they made a mistake?
SISTER 2: I dont know. Did you ask anyone about it?
SISTER 1: Why yes! I talked to someone who will never tell anyone: The rice stalks.
SISTER 2: The rice stalks?! SISTER 1: The rice stalks.

SISTER 2: Did you talk to anyone else?
SISTER 1: I talked to someone who I have always trusted: the moto!
CUTAWAY: SISTER 1 is sitting next to the moto, cupping her hands like shes whispering a secret to a
SISTER 2: The moto?! SISTER 1: The moto.

At this point, the smoke starts to get into SISTER 1s eyes, and we start to notice that in the smoke above
the pots, money is floating away. The sister is starting to get exasperated as she sees the waste of money
and also hearing her sisters absurd answers!
SISTER 2: (Even more confused) Ok...Did you talk to anyone thats alive?!
SISTER 1: Of course I did! I talked to someone who has been part of our family for a long time: Katouch,
our cow.
CUTAWAY: SISTER 1 is sitting next to the cow, sharing her secrets with Katouch.
SISTER 2: The cow!?
Block text suddenly appears on screen with a whipping sound, superimposed on the freeze frame. The
voiceover repeats whats on the screen. When the screen unfreezes, we are now into the educational piece
of the PSA. We see SISTER 2 talking calmly to SISTER 1, in an instructional and caring way. The scene is in
Vox Pops (Voice of the People)
Vox Pop How easy or hard is it to talk about money in your family?
1
Vox Pop What is your best money management tip?

2
Vox Pop When it comes to a loan contract what are the most
3 important 3 things should you understand?
Vox Pop Is there any relationship between debt levels and stress in a
4 family or household?
Vox Pop If you had to take out a loan today, what collateral would you
5 need to provide?
Vox Pop Who influences your choices or behavior about money?

6
Vox Pop What should you expect Banks or MFIs provide you
7 information on?
Vox Pop How do people know what loan is best for them?
8
Vox Pop What happens if you cant repay a loan?

9
Vox Pop
10 Responsibilities what does it mean?
Vox Pop What do you think data privacy means?

11
Vox Pop If you had a concern, feedback, suggestion for a bank or

12
Vox Pop What question do you most want answered by Banks or

13

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Please encourage participants in your programs, to get involved today!

#TalkMoney with your friends and family

Share, Share, Share the #hashtag on social media

Send a #TalkMoney SMS to friends and family

Take photo & show us how you #TalkMoney

Take our #TalkMoney survey.

when it comes to applying them in our own life.

reflection and conversation.

Focus establish the topic in the minds of the participants

Ask to generate interaction, ask one or more questions

Add view the Public Service Announcement media clip

Apply to reflect and discuss the media clip

What did you just watch?

Want to know more?

Add in 1 to 2 Vox Pop Clips for participants to think about

[1] Vox Pop is The voice of the people.

What did you just watch?

Want to know more?

What did you just watch?

the discussion, helps to build group safety and willingness to

How did it make you feel?

opportunity for audience or learners to express, gain feedback

and share your answer to this question. This technique gives

To encourage people to share, the facilitator or trainer must create:

The Shopper The

Discuss with the person siting nearest you

Go to the clip: SAVINGS

What did you just watch?

Want to know more?

What might this saying have to do with borrowing wisely?

Go to the clip: KEEP WALKING

What did you just watch?

Can you identify what choices the character faced?

Want to know more?

confused. He accepts the logic anyway.

water to get some of it.

Semi Formal NGOs

How do you avoid borrowing too much?

What did you just watch?

Can you identify what choices the character faced?

consequences that follow.

Want to know more?

Always remember to save some too!

What did you just watch?

Want to know more?

FACTORY WORKER 2: Wait, what?

FACTORY WORKER 1: Im sending all my money to my family.

save some by putting some into savings.

Lets Talk Money!

Go to the clip: THE SHOPPER

What did you just watch?

Can you identify what choices the character faced?

Want to know more?

something else, pausing, smiling and choosing to walk on without purchasing.

Lets Talk Money!

understand and improve the experience for all!

What did you just watch?

What options exist for dealing with a situation like this?

SUPPORT PHONELINE or go in and #TalkMoney with staff at your closest BRANCH.

Want to know more?

spoken very quickly with very little time for reaction)

SISTER 2: The rice stalks?! SISTER 1: The rice stalks.

SISTER 2: The moto?! SISTER 1: The moto.