Moana’s 9 year old child Tina, with hearing difficulties, had an aide in the class to assist her. An unfortunate negative effect of this assistance was that it undermined her confidence and reduced her desire to become more independent. To qualify for subsidised hearing equipment that would improve Tina’s independence, a hearing assessment was suggested, but the assessment cost was significant.
In the Family Well-Being no interest loan application, the financial mentor included information about the services with which Moana is already in touch. She is receiving help from the school, as well as from Social Workers in Schools (SWiS) and her whanau. Her SWiS social worker had applied to a Trust for assistance with this matter but had not heard back in time for the final hearing assessment payment.
Moana’s application was complex because she is engaged with multiple support organisations. The Ngā Tāngata Loan Committee wanted to be certain that the client was accessing all the available state-funded support before she borrowed any funds. The Family Well-Being loan was approved which enabled Moana’s family to receive help that makes a substantial difference without contributing further stress to their budget. The process was empowering for both Moana and Tina.
Note: all names including those of the loan companies have been changed. Any re-publishing of these case studies need the permission of Ngā Tāngata Microfinance Ltd.