Second day of a five day Training of Trainers in Pakse, Laos, organised by GIZ-AFP, sponsored by Bank of the Lao-PDR, GIZ-AFP and Australian Aid and co-facilitated with our Laos partners EDC.
Today, facilitators practised facilitating different examples of financial literacy programmes for different target groups: farmers with yearly income, factory workers with a monthly salary and remitting money to family and small business selling on a daily basis. Beside practising using participatory training methods, this encourages them to adapt the content to the challenges faced by their target groups (how to save for a yearly expense when we earn a daily income, or how to keep enough for daily expenses for 12 months when we earn only once a year…).
![Review](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02757-1024x683.jpg?resize=800%2C534&ssl=1)
![Back to our "village" for the practice sessions](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02758-1024x683.jpg?resize=800%2C534&ssl=1)
![The challenges of managing a yearly income](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02761-1024x683.jpg?resize=800%2C534&ssl=1)
![Managing a yearly income](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02764-1024x683.jpg?resize=800%2C534&ssl=1)
![Planning a monthly income](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02765-1024x683.jpg?resize=800%2C534&ssl=1)
![Good / bad pieces of advice on spending](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02769-1024x683.jpg?resize=800%2C534&ssl=1)
![Reasons for borrowing and how to address them](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02772-1024x683.jpg?resize=800%2C534&ssl=1)
![Reasons for borrowing and how to address them](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02774-1024x683.jpg?resize=800%2C534&ssl=1)
![Reasons for borrowing and how to address them](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02776-1024x683.jpg?resize=800%2C534&ssl=1)
![Reasons for borrowing and how to address them](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02778-1024x683.jpg?resize=800%2C534&ssl=1)
![Factory worker training](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02780-1024x683.jpg?resize=800%2C534&ssl=1)
![Wrap up](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02782-1024x683.jpg?resize=800%2C534&ssl=1)
![Managing a daily income](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02787-1024x683.jpg?resize=800%2C534&ssl=1)
![How to save when we earn daily](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02788-1024x683.jpg?resize=800%2C534&ssl=1)
![Sorting out the training material after the training](https://i0.wp.com/aandbmake3.org/wp-content/uploads/2022/09/DSC02793-1024x683.jpg?resize=800%2C534&ssl=1)