exchange students

Exchange students Hanze

Groningse Kredietbank,

onderdeel Gemeente Groningen

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Exchange students Hanze

Groningse Kredietbank,

onderdeel Gemeente Groningen

Slide 1 - Diapositive

Bianca Brink
Kundien van Loo



Social Finance bank , debtsprevention department
City counsil of Groningen

Slide 2 - Diapositive

Social Finance bank
A social bank 
 
Non-profit 
 
Debt counseling 
 
Eurocoach (coaching young people) 
 
Debts prevention 

Slide 3 - Diapositive

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

Slide 4 - Diapositive

Types of debt

* Adjustment debts

* Compensation debts

* Survival debts

* Over-spending debts

Slide 5 - Diapositive

Poverty in the Netherlands

Slide 6 - Diapositive

Households with problematic debts 

Slide 7 - Diapositive

Minimum necessary income
Single  1050 euro
One parent , 1 child  1350 euro
Couple , 2 children, 1920 euro

Slide 8 - Diapositive

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.

Slide 9 - Diapositive

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.

Slide 10 - Diapositive

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

Slide 11 - Diapositive

All incomes measures in Groningen

Slide 12 - Diapositive

Studying in the Netherlands, monthly costs
A
€ 850,55
B
€ 1.133,29

Slide 13 - Quiz

€ 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

Slide 14 - Diapositive

                                       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

Slide 15 - Diapositive

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

Slide 16 - Diapositive

QUIZ!

Slide 17 - Diapositive

2. How many young people experience financial problems in the Netherlands? ?
A
80.000
B
120.000
C
160.000
D
200.000

Slide 18 - Quiz

1.How many people in the Netherlands find it difficult to pay the bills?
A
700.000
B
1.000.000
C
1.500.000
D
3.000.000

Slide 19 - Quiz

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

Slide 20 - Question ouverte

4. What form of payment makes your cup of coffee taste better?
A
Cash
B
Card

Slide 21 - Quiz

5. How much does a 10 minute shower?
A
€ 0,41
B
€ 0,84
C
€ 1,03

Slide 22 - Quiz

6. What color has a € 200,- banknote?
A
Red
B
Blue
C
Yellow
D
Green

Slide 23 - Quiz

7. Who is the richest man in the world?
A
Jeff Bezos (Amazon)
B
Bill Gates (Microsoft)
C
Elon Musk (Tesla)
D
King Willem-Alexander

Slide 24 - Quiz

Slide 25 - Diapositive