exchange students

• LessonUp
• HBO
• Studiejaar 2

Exchange students Hanze

Groningse Kredietbank,

onderdeel Gemeente Groningen

Bianca Brink

Kundien van Loo

Social Finance bank , debtsprevention department

City counsil of Groningen

Social Finance bank

A social bank 

 

Non-profit 

 

Debt counseling 

 

Eurocoach (coaching young people) 

 

Debts prevention 

How is debtcounseling organized in Switzerland? Is it similar to the Netherlands. What are differences (public or private arranged, local or nationwide etc)

Types of debt

* Adjustment debts

* Compensation debts

* Survival debts

* Over-spending debts

Poverty in the Netherlands

Households with problematic debts 

Minimum necessary income

Single  1050 euro

One parent , 1 child  1350 euro

Couple , 2 children, 1920 euro

Who is most at risk of poverty

• one parent families
• people from non western countrys, 
• benefits recipients and 
• singles under 65 year 

Poverty means: very limited financial means, social exclusion, health issues 

and limited excess tot education.

How to recognise problems

• "I'll pay this bill, the other one i'll put aside"
• No money to pay for the groceries
• More often an negative balance of one's account
• Afraid of opening the mail.

Causes

• Not having enough knowledge of all the rules/support  measures  in the Netherland
• Low literacy
• Major changes in your live, like divorce, losing your job
• Making bad choices

All incomes measures in Groningen

Studying in the Netherlands, monthly costs

1. € 850,55
2. € 1.133,29

€ 96,25          lesgeld MBO € 1155,00 per jaar
€ 366,-           huur
€ 161,-           boodschappen
€ 57,-             studieboeken
€ 55,-             vervoer (naast de OV-kaart)
€ 144,-           ontspanning, uitgaan en sport

€ 47,-             kleding en schoenen
€ 105,-           zorgverzekering
€ 26,-             telefoon
€ 1057,25     per maand

€ 89,29          lecture fee HBO € 1.071,50 (first year)
€ 417,-           rent
€ 181,-           groceries
€ 58,-             books
€ 55,-             transport (besides the student public transp.card
€ 146,-           relax, sport etc

€ 47,-             clothing and shoes
€ 106,-           health insurance
€ 26,-     +      mobile phone
€ 1.133,29    monthly costs

                                       Fine handheld mobile use

 
  
  
  
 
 
  
  
  
 
 
  
  
  
 
 
  
  
  
 
 
  
  
  
 
 
  
  
  
 
 
  
  
  
 
 
  
  
  

	Geen licht op fiets	Geen verzekering
Boetebedrag	€ 55,00	€ 410,00
Administratiekosten	€ 9,00	€ 9,00
Aanmaningen	€ 110,00	€ 78,75
Totaal na 3 mnd	€ 174,00	€ 497,75
Betekeningskosten	€ 78,75	€ 78,75
Incassokosten	€ 40,00	€ 185,85
Totaal na +/- 4 mnd	€ 309,29	€ 762,35

Fine amount                  €  95,00
Admin. costs                  €    9,00
Reminder costs              €  142,50 +
Costs after 3 months     € 246,50
Incasso costs                   €    40,00

Debts collector costs     €    80,24   +
Costs after  4 months     €  366,74

Where to find help

• Social teams, called "WIJ"
• City counsil
• Volunteer organizations (for example: for (young) refugees,      homeless peoples, addicts,... and so on)

QUIZ!

2. How many young people experience financial problems in the Netherlands? ?

1. 80.000
2. 120.000
3. 160.000
4. 200.000

1.How many people in the Netherlands find it difficult to pay the bills?

1. 700.000
2. 1.000.000
3. 1.500.000
4. 3.000.000

3. What do we mean by the "poverty trap" ?

4. What form of payment makes your cup of coffee taste better?

1. Cash
2. Card

5. How much does a 10 minute shower?

1. € 0,41
2. € 0,84
3. € 1,03

6. What color has a € 200,- banknote?

1. Red
2. Blue
3. Yellow
4. Green

7. Who is the richest man in the world?

1. Jeff Bezos (Amazon)
2. Bill Gates (Microsoft)
3. Elon Musk (Tesla)
4. King Willem-Alexander