This Financial Literacy Program Model is a proposed solution to the problem of financial illiteracy among the working poor. Over 80 percent of adults in America are not financially literate, yet more than half believe themselves to be (OECD, 2005). No community is more adversely affected by this fallacy than the working poor. Earning income, yet living below the poverty line, this group is as deceived as any other by the misconception that increased income is their sole remedy rather than a small part of the complex equation greatly influenced by financial literacy. Drawing upon a review of related literature, observation of a successful program, and interviews, three barriers to financial literacy education are presented and addressed in this program’s design. 1) Overblown financial self-efficacy spawns the popular belief held by most financially illiterate individuals that they are financially literate (OECD, 2005). 2) Lack of differentiation is prevalent. Existing programs cover basic financial topics with a one size fits all approach. 3) Although attrition rates are high, there are few motivational interventions in place within currently existing programs. These obstacles combined with the unique set of circumstances faced by the working poor exacerbate financial illiteracy and its related issues. This program was designed as part of the I Am Potential, Inc initiative (IAP) – an effort to assist individuals who desire to enhance their lives. In particular, IAP targets underserved communities. The “I Am Potential” Financial Literacy Program Model and Implementation Plan addresses these issues through instructional design with pre- and post-treatment financial self efficacy and motivation assessments along with differential instructional delivery methods, including a variety of modes and durations available for a distinctive learner population. The iv model accommodates the subsequent addition of coursework for enhancement in other life domains.

Die hohe Müttersterblichkeit in Entwicklungsländern ist zum Teil auf indirekte Faktoren wie Analphabetismus und eingeschränkten Zugang zu Gesundheitsinformationen für Mütter zurückzuführen. Während gebildete Frauen auf Gesundheitsinformationen über Online-Plattformen und mHealth-Apps zugreifen können, müssen Analphabetinnen diese in Gesundheitseinrichtungen abrufen, was aufgrund der Transportkosten oft nicht möglich ist. Mobilfunktechnologie hat in der Gesundheitsversorgung Chancen für ressourcenarme Gemeinschaften eröffnet, die sonst nicht von den digitalen Technologien profitiert hätten. Obwohl Mobilfunktechnologie in der Müttergesundheit eingesetzt wird, können die meisten Maßnahmen nicht von Analphabeten genutzt werden, verwenden Sicherheitsmodelle die nicht auf den Kontext von Entwicklungsländern zugeschnitten sind, und wurden nicht auf ihre Auswirkungen auf die Müttergesundheit hin evaluiert. In dieser Arbeit wurden zwei (Web und Mobile) Apps entwickelt, die die Übermittlung von multimedialen Nachrichten zur Müttergesundheit, Terminerinnerungen und Anrufe/Chats erleichtern. Um die Anforderungen der Nutzer zu erfassen, wurde eine Feldstudie mit halbstrukturierten Interviews und Fokusgruppendiskussionen mit schwangeren Analphabetinnen, Gesundheitsexperten und Entwicklern durchgeführt. Es folgte die Entwicklung eines Sicherheitsmodells (T2RoL) zur Sicherung der Gesundheitsinformationen in den Apps, die dann nach einem nutzerzentrierten Designansatz entwickelt wurden. Eine zweite Feldstudie in Form von halbstrukturierten Interviews und Umfragen wurde durchgeführt, um die mobile App in einer randomisierten kontrollierten Studie mit 80 schwangeren Analphabetinnen über 9 Monate zu evaluieren. Die Auswertung zeigte, dass die App akzeptiert wurde sowie einfach zu erlernen und zu benutzen war. Das Wissen über Müttergesundheit in der Interventionsgruppe verbesserte sich, was sich positiv auf gesundheitsbezogene Entscheidungen und Gesundheitsmaßnahmen auswirkte. / Maternal mortality is high in developing countries partly due to indirect factors such as illiteracy and limited access to maternal health information. While literate women can access health information from online platforms, and mHealth apps, illiterate women must get it from health facilities which is often not possible due to lack of transport fees. Mobile technology has opened opportunities in maternal health care for low resource communities that would otherwise not have benefited from digital technologies. Although used in maternal health, most interventions are not usable by the illiterate, use security models that are not tailored to the developing countries’ context, and have not been evaluated to assess their impact on maternal health care. In this thesis, two (web and mobile) apps that facilitate delivery of multimedia-based maternal health messages, appointment reminders, and calls/ chats were developed. To gather user requirements, a field study in form of semi-structured interviews and focus group discussions was conducted with illiterate pregnant women, health practitioners and developers. Development of a security model (T2RoL) to secure the health information in the apps followed. The apps were then developed following a user-centered design approach. A second field study in form of semi-structured interviews and surveys was conducted to evaluate the mobile app through a randomized controlled trial with 80 illiterate pregnant women that were followed for 9 months. Overall, results show that the app was acceptable, easy to learn and use. There was improved maternal health knowledge among the intervention group which positively influenced health related decision making and health practices.

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This study investigated the physical affective, cognitive and volitional problems of the learner in adult basic education (ABE) with reference to the learner's relationship towards the tutor, the learning content, the self, and family and friends. The research design provided for a literature study of ABE in South Africa, as well as the personhood and relationships of the ABE learner. This was done to arrive at a research hypothesis concerning the relative impact of various categories of problems on the ABE learner. The empirical summary had both quantitative and qualitative components. It was found that ABE learners are influenced by the following factors, listed in order of impact: affective problems; cognitive problems; problems related to the learning content, physical problems and problems related to family and friends. Positive fmdings were that volitional problems and problems related to tutors were relatively less significant. In its recommendations the study emphasises the crucial role of, and need for professionally trained adult basic educators who can deal effectively with the personal and contextual problems of ABE learners. Moreover, the typical perseverance of ABE learners demands the establishment of excellent and responsive infrastructure for ABE provision, inter alia in provincial education departments. / Psychology of Education / M. Ed. (Psychology of Education)

Made available in DSpace on 2016-04-28T19:33:33Z (GMT). No. of bitstreams: 1 Gilvan Elias Pereira.pdf: 1404869 bytes, checksum: 13bff43f986db813f5b6c08568a3c0c4 (MD5) Previous issue date: 2011-12-14 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / Based on a perspective that assumes a direct relationship between linguistic competence and success or failure at school, this research turns to the student in situation of failure and that has in low language competence (not the ability to make use of language in real situations of life, but to meet the demands required by the school) a central difficulty impeding academic success. To meet such a student in order to better understand what is behind the "alarming" statistics of school failure, we took into account the weight that language has when it comes to school and school learning and, therefore, the resulting need to consider the complexity of the relationship between school learning (in relation to knowledge) an language. It has been assumed that each student excluded or in situations of failure, has his own history is strongly marked, among other things, by the barriers that the low level of language proficiency has imposed. Results of the research (case study) conducted among students in situation of failure confirmed, therefore, that the stigma of student who does not learn, who cannot read and write with the skills required by the school but even so remains there on the edge of her "illiteracy" represents a small part of the qualitative picture of the excluding and selective school model still very present in Brazilian society and that should not be understood only by the logic of statistics or theories based on the exclusive assumption of social modeling / Com base em uma perspectiva que supõe a relação direta entre competência linguística e sucesso ou insucesso escolar, esta pesquisa volta-se para o aluno em situação de fracasso e que tem na baixa competência linguística (não a capacidade para fazer uso da língua em situações reais de vida, mas para responder às exigências requeridas pela escola) uma dificuldade central impeditiva do sucesso escolar. Para conhecer tal aluno com o intuito de compreender melhor o que está por trás das alarmantes estatísticas do fracasso escolar, levou-se em consideração o peso que a linguagem tem quando se trata de escola e de aprendizagem escolar e, portanto, a consequente necessidade de se ponderar a complexidade da relação entre escola, aprendizagem (relação com o saber) e linguagem. Considerou-se que cada aluno excluído ou em situação de fracasso possui sua história e que cada história dessas é marcada fortemente, entre outras coisas, pelas barreiras que o baixo nível de competência linguística impõe. Os resultados da pesquisa (estudo de caso) realizada entre alunos em situação de fracasso confirmaram, pois, que o estigma do aluno que não aprende, que não consegue ler e escrever com as competências requeridas pela escola, mas que ainda assim mantém-se nela à beira do analfabetismo , é um pouco do retrato qualitativo do modelo de escola excludente e seletiva ainda muito presente na sociedade brasileira e que não deve ser compreendida apenas pela lógica da estatística ou das teorias embasadas no pressuposto exclusivo da modelagem social

Notre thèse Langage oral, prélecture-compréhension et prévention de l'illettrisme : une analyse linguistique de productions orales d'élèves de grande section de maternelle créolophone à La Réunion mobilise les choix théoriques de la linguistique descriptive à l’aune d’une saisie dynamique (Staudacher-Valliamée, 1999) des faits de langues sur le terrain scolaire réunionnais (Livret1-Institut de l'Illettrisme, 2012). Notre recherche s’inscrit dans le dispositif Dire, lire, calculer en grande section de maternelle. L’objet d’étude cerne les productions d’élèves dans l'acquisition du langage oral en français, LV2 (Véronique, 2009) à leur entrée dans la prélecture-compréhension. L’enquête linguistique (16 classes) touche 544 élèves dits sensibles, en situation potentielle de décrochage scolaire. Le corpus de base, constitué de 2500 énoncés d’un premier test diagnostique exploratoire (TD1) à partir d'images illustratives s’élargit à 5009 énoncés lors du second test expérimental (TD2), sur des images d’un album de littérature de jeunesse. Deux nouveaux outils sont élaborés, complétés par le logiciel AntConc, pour une analyse adaptée à la dynamique enregistrée : une grille d’observation des unités grammaticales les plus fréquentes (noms, pronoms de personnes, déterminants,verbes), une grille de sept indicateurs de compréhension. Sur le critère des productions orales conformes ou non conformes aux attentes lexicales et sémantiques, porteuses de compréhension ou non, les résultats obtenus différencient 3 types de profils (TD2) : le prélecteur confirmé ( 55,90%), le prélecteur en difficulté (35,60%) et le prélecteur silencieux (8,50 %). Notre travail réalise la fiche action 3 proposée par l’Institut de l'Illettrisme en partenariat avec l’académie de La Réunion pour le Plan APLCI 2010-2015. Nos résultats éclairent de manière inédite le lien entre la construction du langage oral et la mémoire visuelle chez les jeunes élèves à leur entrée dans l'écrit. Une contribution à la didactique de l’oral (Dolz, Schneuwly, 1998) préconise la considération de la langue des élèves imprégnée des caractéristiques de la société orale créole, perceptibles dans la référenciation et l'organisation informationnelle (Picoche, 1993) du discours. Les applications pédagogiques rendent compte des contenus de formation, d’élaboration d'un outil de diagnostic des compétences lexicales et des connaissances sémantiques des élèves. / Our thesis "Oral language, prereading, comprehension and prevention of illiteracy: a linguistic analysis of oral productions of pupils of preschool older section in Reunion Island" mobilizes the theoretical choices of descriptive linguistics in the light of a dynamic grasp of the language facts (Staudacher-Valliamée, 1999) in Reunion schools. Our doctoral research corresponds to the linguistic and logical axis of the device "Say, read, calculate in preschool older section". Its purpose is to study the observation of students in the acquisition of oral language in French as a second language (Véronique, 2009) when they start pre-reading comprehension. The linguistic survey conducted in 16 classes concerns 544 pupils, known as sensitive, in a potential school drop-out situation. The corpus of base of 2,500 statements, of a first exploratory diagnostic test (TD1) startingfrom illustrative images, expands to 5009 statements in the second experimental test (TD2), on images of an album of youth literature. Two new tools had to be developed, complemented by the AntConc software, for an analysis adapted to the linguisticdynamics of our corpus: an observation grid of the grammatical units (names, pronouns of people, determiners, verbs) and another one of 7 indicators of understanding. On the criterion of oral productions conforming or not conforming to lexical expectations and semantics, understanding or not, the results obtained differentiate 3 types of profiles: the confirmed preselector, the pre-selector in difficulty and the silent one. The spin-offs from our doctoral research have led to Action 3, in partnership with the Reunion Academy, within the framework of an action plan against illiteracy (2010-2015). Our results highlight in a new way the link between the construction of young students' oral language and their visual memory as they start writing. A contribution to the didactics of the oral (Dolz, Schneuwly,1998) advocates the consideration of the language of the pupils impregnated with the characteristics of Creole oral society, perceptible in the referencing and informational organization of discourse (Picoche,1993). The pedagogical applications reflect the contents of training, development of a tool of diagnosis of lexical skills and semantic knowledge of the students.

This study investigated the physical affective, cognitive and volitional problems of the learner in adult basic education (ABE) with reference to the learner's relationship towards the tutor, the learning content, the self, and family and friends. The research design provided for a literature study of ABE in South Africa, as well as the personhood and relationships of the ABE learner. This was done to arrive at a research hypothesis concerning the relative impact of various categories of problems on the ABE learner. The empirical summary had both quantitative and qualitative components. It was found that ABE learners are influenced by the following factors, listed in order of impact: affective problems; cognitive problems; problems related to the learning content, physical problems and problems related to family and friends. Positive fmdings were that volitional problems and problems related to tutors were relatively less significant. In its recommendations the study emphasises the crucial role of, and need for professionally trained adult basic educators who can deal effectively with the personal and contextual problems of ABE learners. Moreover, the typical perseverance of ABE learners demands the establishment of excellent and responsive infrastructure for ABE provision, inter alia in provincial education departments. / Psychology of Education / M. Ed. (Psychology of Education)

Made available in DSpace on 2016-06-02T19:38:49Z (GMT). No. of bitstreams: 1 DissCAB.pdf: 1229623 bytes, checksum: 8cc52a9fc029c5a34c862579cc6ebb64 (MD5) Previous issue date: 2007-07-03 / Financiadora de Estudos e Projetos / The present work aimed to analyze the educational politics implemented for the overcoming of the illiteracy in the Primary Education, in its modality of attending young people and adults, starting from the 1990s. Our central objective was to understand how these programs were delimited facing the direction of the publicization of the social services and the directions from the reforms implemented in Brazil in the 1990s. We took as empirical basis for our study the actions developed in the city of Araraquara in the period from 2001 to 2006, emphasizing the partnership between the City Department of Education and a philantropic entity. We intended to understand how the promotion of partnerships between the public power and the not-state entities can be considered as a factor of excellency for a wider administrative rationality, based in the principles of the effectiveness, efficiency and effectivity of the services offered to the citizens, or whether the partnerships carried through with these institutions affirm the principles of a political culture based on the boundaries of the patrimonialism and the clientelism, structural marks in the formation of the Brazilian State. / A presente dissertação buscou analisar a política educacional, implementada para a superação do analfabetismo, na Educação Básica em sua modalidade de atendimento a jovens e adultos, a partir da década de 1990. Nosso objetivo central foi entender como se delinearam esses programas frente à diretriz da publicização dos serviços sociais e às diretrizes advindas das reformas implementadas no país também nos anos 1990. Tomamos como base empírica de nosso estudo as ações desenvolvidas no município de Araraquara no período de 2001 a 2006, destacando a parceria entre a Secretaria Municipal de Educação e uma entidade filantrópica. Procuramos entender em que medida a promoção de parcerias entre o poder público e as entidades não-estatais podem ser consideradas fator de excelência para maior racionalidade administrativa, embasada nos princípios da eficácia, eficiência e efetividade dos serviços prestados aos cidadãos, ou se as parcerias realizadas com essas instituições afirmam os princípios de uma cultura política baseada nos laços do patrimonialismo.

Made available in DSpace on 2014-12-17T14:13:26Z (GMT). No. of bitstreams: 1 IonGMA.pdf: 3523435 bytes, checksum: 77c15e2c31b84a1cc840056d94a495b9 (MD5) Previous issue date: 2008-08-20 / There was a significant decline in hospitalizations for acute diarrhea in children younger than 1 year of age in Brazil between 1992 to 2001. The less economically developed state of Rio Grande do Norte is a case example of the national trend. In this work, we show a significant association between improvements in socioeconomic variables as well as increased access to sanitation and the decreased rate of hospitalization. Additionally, we observed a positive, seasonal correlation between rainfall and hospitalizations. Most notably, however, we show that improvements in income and inflation were positively correlated with a decline in hospitalizations. Improvements in public health infrastructure, socioeconomic variables like education and literacy, and increased investment in health services were important in reducing severe early childhood diarrheas. However, the data suggests that increased buying power and reductions in poverty played an equally crucial role in reducing hospitalizations for acute diarrhea in infants in Brazil. The work includes elements of the demography of the period for the age groups involved, children under one year, women in fertile age and fertility rate / Entre 1992 e 2001 houve um decl?nio significativo dos internamentos por diarr?ia em lactentes no Brasil. O Rio Grande do Norte, um dos estados menos desenvolvidos do Brasil, ? exemplo desta tend?ncia nacional. Neste trabalho foi observada uma associa??o significante entre as melhorias das vari?veis socioecon?micas e de acesso ao saneamento, com o decl?nio das hospitaliza??es por diarr?ia. Adicionalmente foi encontrada uma correla??o sazonal positiva entre chuvas e internamentos por diarr?ia. Associa??o significante entre as vari?veis que monitoraram melhorias na renda e controle da infla??o com o decl?nio dos internamentos por diarr?ia foi tamb?m observada para o per?odo de estudo. Melhorias na infra-estrutura, educa??o, alfabetiza??o e aumento dos investimentos nos servi?os de sa?de foram importantes na redu??o da morbidade das doen?as prevalentes na inf?ncia. Os dados indicam tamb?m que a estabilidade do poder de compra e redu??es dos n?veis de pobreza desempenharam papel igualmente crucial na redu??o dos internamentos por diarr?ia aguda em lactentes no Brasil

FundaÃÃo de Amparo à Pesquisa do Estado do Cearà / O trabalho relata a experiÃncia da gestÃo municipal da EducaÃÃo em Sobral, no perÃodo de 2001 a2004, quando, num contexto de intensa municipalizaÃÃo do ensino fundamental e de deterioraÃÃo dos resultados de aprendizagem dos alunos da 4 sÃrie, esse MunicÃpio implementou, com sucesso, uma polÃtica de alfabetizaÃÃo na idade certa, definindo como meta prioritÃria a alfabetizaÃÃo de 100% dos alunos atà os sete anos de idade. O trabalho està organizado em trÃs eixos. No primeiro, de contextualizaÃÃo, sÃo abordados, pela anÃlise documental e estatÃstica, os elementos relevantes à acelerada municipalizaÃÃo da EducaÃÃo, ocorrida no paÃs a partir de 1995. No segundo eixo, à apresentada a experiÃncia da gestÃo da EducaÃÃo desenvolvida no MunicÃpio de SobralâCearÃ, com foco no quadriÃnio 2001-2004. ApÃs breve relato das aÃÃes e resultados do perÃodo anterior, descrevem-se com detalhes as medidas da gestÃo e os resultados educacionais e pedagÃgicos do perÃodo de 2001 a 2004, com Ãnfase para as avaliaÃÃes externas de leitura e escrita. O terceiro eixo à de reflexÃo e sÃntese. Neste, incursiona-se pela histÃria econÃmica, polÃtica, social e educacional brasileira, considerando o passado e buscando vislumbres de futuro; que fatores passados e presentes permitem entender como uma sociedade pode ter crescimento sem escolas e escolarizaÃÃo para todos, como foi o caso do Brasil entre os anos 30 e 80, ou, ainda, ter escolas e escolarizaÃÃo, sem que nestas haja aprendizagem da leitura e da escrita, condiÃÃo bÃsica para aprendizagens mais amplas e diversas, como foi o caso do paÃs nos anos 90 e nesta primeira metade desta nova dÃcada? Entende-se que o relato e a reflexÃo em torno desta experiÃncia podem constituir efetiva contribuiÃÃo ao fortalecimento, nos municÃpios brasileiros, da gestÃo da educaÃÃo pÃblica, com vistas à superaÃÃo dos graves problemas com que esta ainda se defronta. Entre estes, e com absoluta prioridade, o do analfabetismo escolar. / The present study reports an undertaking by the Municipal Administration of Education in the city of Sobral, State of CearÃ, from 2001 to 2004, where, within a context of intense municipalization of elementary school teaching in Brazil and deterioration of the learning results of 4th graders, this municipality has successfully implemented a policy of literacy at the right age, which defines as its major goal having a 100 percent of the students from Sobral able to read and write by the age of seven. This study has been organized in three basic aspects. The first aspect deals with the statistics and analysis of relevant elements of the municipalization process of education, which took place in the country from 1995 on. The implementation of the educational policy adopted at the municipal level in Sobral is reported in the second aspect of this study, focusing the period ranging from 2001 to 2004, with particular emphasis on the external evaluations of reading and writing. The third and last aspect is one of reflection and synthesis, when the economical, political, social, and educational history of Brazil is taken into account, in order to understand the past and get a glimpse of the future. Last but not least, a question is proposed: which past and present factors allow us to understand how a society can grow without schools or schooling for all its members, as was the case in Brazil from the 30âs to the 80âs? Or to have schools and schooling in which there was no mastering of reading, the basic condition for wider and diverse learning, as happened in this country in the 90âs and the first half of this decade? We believe that the report of this experiment and its analysis can become an effective tool to strengthen the municipal administration of public education with the aim of overcoming the serious problems it still faces, among which, and with absolute priority, school illiteracy.