#MacroSW Transcript
Healthcare social media transcript of the #MacroSW hashtag.
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See #MacroSW Influencers/Analytics.
| Profile | Tweet |
|---|---|
 | 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings It's #MacroSW chat time! So excited...please excuse the extra tweets! https://t.co/9ZG7xdIMBP |
 | UBuffalo Social Work @UBSSW Hello and welcome to tonight's #MacroSW chat! I'm Pat Shelly for @UBSSW and your host tonight. Our topic: Financial Capability Building: Mobile Money as an Intervention Going to Scale https://t.co/AkdEdAcI2b #Up4theChallenge #FinancialCapability https://t.co/KjATti8n61 |
 | Lydia Weinstein @lydiaMSW @UBSSW Hello, I’m Lydia from UB School of Social Work #macrosw |
| ALLY @allydean3 Haley here #MacroSW |
| Molly Ritter @ritter_molly @UBSSW Hi I’m Molly from UB School of Social Work #macroSW |
 | Alex Ridley @AlexRidSW Here from Millersville! #MacroSW |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings RT @UBSSW: Hello and welcome to tonight's #MacroSW chat! I'm Pat Shelly for @UBSSW and your host tonight. Our topic: Hello and welcome to tonight's #MacroSW chat! I'm Pat Shelly for @UBSSW and your host tonight. Our topic: Financial Capability Building: Mobile Money as an Intervention Going to Scale https://t.co/AkdEdAcI2b #Up4theChallenge #FinancialCapability https://t.co/KjATti8n61 |
 | #MacroSW Moderator @OfficialMacroSW Welcome to #MacroSW! https://t.co/vvxwGgRD8x |
| UBuffalo Social Work @UBSSW The #MacroSW chat is a collaboration of 9 partners: @acosaorg @SunyaFolayan @spcummings @laurelhitchcock @VilissaThompson @karenzgoda @porndaughter @poliSW - and us here in #Buffalo NY @UBSSW https://t.co/EMMMh2YmQh |
 | Jessica Brown @nariah Hey #macrosw! Jessica Brown from University of Buffalo MSW program. My mind is definitely staining to grasp all this new info for tonight |
 | michelle becker @michell85883920 @JoshNice4 i cannot get in the chat #MacroSW |
 | Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: Hello and welcome to tonight's #MacroSW chat! I'm Pat Shelly for @UBSSW and your host tonight. Our topic: Hello and welcome to tonight's #MacroSW chat! I'm Pat Shelly for @UBSSW and your host tonight. Our topic: Financial Capability Building: Mobile Money as an Intervention Going to Scale https://t.co/AkdEdAcI2b #Up4theChallenge #FinancialCapability https://t.co/KjATti8n61 |
| UBuffalo Social Work @UBSSW Our guest expert tonight is Dr. Nadine (Shaanta) Murshid, @NadineShaanta an Assistant Professor at @UBSSW Her research is mainly focused on economic interventions, and tonight we'll talk about the use of #MobileMoney in #Bangladesh. Welcome, Shaanta! #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @spcummings: It's #MacroSW chat time! So excited...please excuse the extra tweets! https://t.co/9ZG7xdIMBP |
 | Rebecca Light @rll004 Y’all. I’m here #macroSw #millersvilleuniversity https://t.co/WpzKv1n4uB |
 | Johanna Black @johannajblack1 hello from Millersville University! #macrosw |
 | David McCollum @VilleBananas Hi, I'm tweeting from Catalina's with Sam, Anne, Cierra, Steph, and Katie from our cohort last year. #MacroSW |
 | Shand Kydd @Shand_Kydd #MacroSW https://t.co/HB5FbqSexh |
| UBuffalo Social Work @UBSSW Tonight, @karenzgoda will be on our group's handle @OfficialMacroSW - She'll help keep track of the tweets and traffic tonight! Thanks, Karen! #MacroSW https://t.co/oeLqFdlNPt |
 | Kmarie228 @kmarie228 Hi everyone! Kelly from Millersville here! #MSW #macrosw |
 | Heather Mabry-Kourt @KourtMabry Checking in from Millersville University. Hi all! #MacroSW |
 | Vilissa Thompson @VilissaThompson RT @UBSSW: The #MacroSW chat is a collaboration of 9 partners: The #MacroSW chat is a collaboration of 9 partners: @acosaorg @SunyaFolayan @spcummings @laurelhitchcock @VilissaThompson @karenzgoda @porndaughter @poliSW - and us here in #Buffalo NY @UBSSW https://t.co/EMMMh2YmQh |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda Good evening #MacroSW! https://t.co/dLD9yvDBqJ |
| UBuffalo Social Work @UBSSW @spcummings Hi, Partner! #macroSW |
| Social Worker @ERL_SW Hey everyone, Emily from Millersville here #macrosw |
| UBuffalo Social Work @UBSSW @lydiaMSW Hello, Lydia! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Tonight, @karenzgoda will be on our group's handle @OfficialMacroSW - She'll help keep track of the tweets and traffic tonight! Thanks, Karen! #MacroSW https://t.co/oeLqFdlNPt |
| #MacroSW Moderator @OfficialMacroSW Also our gif game is already on point tonight. Thanks Pat! #MacroSW https://t.co/C3GkS8NVI2 |
| Johanna Black @johannajblack1 @Emrapopo_SW @OfficialMacroSW me either! tweetchat isn't working! #macrosw |
| UBuffalo Social Work @UBSSW @ritter_molly Hello, Molly - glad you can chat with us tonight #MacroSW |
| michelle becker @michell85883920 my live chat is not working, and i cannot see any tweets #macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: The #MacroSW chat is a collaboration of 9 partners: The #MacroSW chat is a collaboration of 9 partners: @acosaorg @SunyaFolayan @spcummings @laurelhitchcock @VilissaThompson @karenzgoda @porndaughter @poliSW - and us here in #Buffalo NY @UBSSW https://t.co/EMMMh2YmQh |
| UBuffalo Social Work @UBSSW Please keep introducing yourselves! We'll continue with our "housekeeping" tweets while learning about who is here tonight. #MacroSW |
| UBuffalo Social Work @UBSSW If you are new to this Twitter chat, here are a few tips: 1. Use the #macrosw in all your tweets or others in the chat will not see them! 2. #MacroSW chats follow a Q & A format to make the conversation easier to follow. Use A1, A2, etc. when answering chat question Q1, Q2. 1/2 |
| Alexsis Murray @MurrayAlexsis Hi everyoneA Alexsis here from Millersville :) #macrosw |
| UBuffalo Social Work @UBSSW And here's a link to "How to participate in a Live Twitter Chat" by @laurelhitchcock https://t.co/5PTpyi4zH9 . . .and if you are new to Macro in general, these FAQs can help: https://t.co/N7zPRJ7uPB for answers to "What is macro social work?" #MacroSW 2/2 |
| #MacroSW Moderator @OfficialMacroSW @michell85883920 @JoshNice4 We see you every time you use: #MacroSW https://t.co/ILqahIWmtg |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Our guest expert tonight is Dr. Nadine (Shaanta) Murshid, @NadineShaanta an Assistant Professor at @UBSSW Her research is mainly focused on economic interventions, and tonight we'll talk about the use of #MobileMoney in #Bangladesh. Welcome, Shaanta! #MacroSW |
| UBuffalo Social Work @UBSSW The archive of tonight's chat and upcoming chat schedule will be found at: https://t.co/MvZ2FHBm6D just an hour or so after we end. #MacroSW |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings @UBSSW Howdy, partner! #MacroSW |
 | Praxis Podcast @PraxisPod #MacroSW Hi, I'm Zane, graduate student at Wichita State University |
| #MacroSW Moderator @OfficialMacroSW @johannajblack1 @Emrapopo_SW We see you! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW #MacroSW |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings Good advice #MacroSW https://t.co/52fr4yBETX |
| Heather Mabry-Kourt @KourtMabry @UBSSW @OfficialMacroSW @acosaorg @SunyaFolayan @spcummings @laurelhitchcock @VilissaThompson @karenzgoda @porndaughter @poliSW Thanks for hosting! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW For folks having issues, we recommend you try: https://t.co/s4SP7kDqw2 #MacroSW https://t.co/li5rAz1uuW |
| Abby Squicciarini @abby_dawn6 @lydiaMSW @UBSSW Hi, I’m Abby from the UB School of Social Work! #macrosw |
| UBuffalo Social Work @UBSSW OK, we'll get started! Q1 coming up! #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @spcummings: Good advice #MacroSW https://t.co/52fr4yBETX |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: Our guest expert tonight is Dr. Nadine (Shaanta) Murshid, @NadineShaanta an Assistant Professor at @UBSSW Her research is mainly focused on economic interventions, and tonight we'll talk about the use of #MobileMoney in #Bangladesh. Welcome, Shaanta! #MacroSW |
 | critty @crittykins @UBSSW @OfficialMacroSW @NadineShaanta Hello: looking forward to learning more about #mobile money! #macrosw |
 | Nick @nick_molina Hi Oh! I'm here! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Hello and welcome to tonight's #MacroSW chat! I'm Pat Shelly for @UBSSW and your host tonight. Our topic: Hello and welcome to tonight's #MacroSW chat! I'm Pat Shelly for @UBSSW and your host tonight. Our topic: Financial Capability Building: Mobile Money as an Intervention Going to Scale https://t.co/AkdEdAcI2b #Up4theChallenge #FinancialCapability https://t.co/KjATti8n61 |
| UBuffalo Social Work @UBSSW Q1 What are the challenges with low financial literacy levels and financial systems knowledge? Do we have this problem in the US? #MacroSW https://t.co/VTS2v8kKX6 |
 | WorkerSocialRadical @joshdnice @causeisaidSOph That was meant as an announcement, not an apology, right? We got this! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @crittykins: @UBSSW @OfficialMacroSW @NadineShaanta Hello: @UBSSW @OfficialMacroSW @NadineShaanta Hello: looking forward to learning more about #mobile money! #macrosw |
| #MacroSW Moderator @OfficialMacroSW @KimMSW2018 We can see you if you use #MacroSW |
| #MacroSW Moderator @OfficialMacroSW @Emrapopo_SW @johannajblack1 Try refreshing your page! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW Welcome back Erin! #MacroSW https://t.co/KLDsiEl05v |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Please keep introducing yourselves! We'll continue with our "housekeeping" tweets while learning about who is here tonight. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: If you are new to this Twitter chat, here are a few tips: 1. Use the #macrosw in all your tweets or others in the chat will not see them! 2. #MacroSW chats follow a Q & A format to make the conversation easier to follow. Use A1, A2, etc. when answering chat question Q1, Q2. 1/2 |
 | Courtney @courtneyann2018 @UBSSW Hello, I am back again. Thank you for having me! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: And here's a link to "How to participate in a Live Twitter Chat" by @laurelhitchcock https://t.co/5PTpyi4zH9 . . .and if you are new to Macro in general, these FAQs can help: https://t.co/N7zPRJ7uPB for answers to "What is macro social work?" #MacroSW 2/2 |
| Jaleen Leon @JaleenLeon Greetings Jaleen from Millersville University #macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: The archive of tonight's chat and upcoming chat schedule will be found at: The archive of tonight's chat and upcoming chat schedule will be found at: https://t.co/MvZ2FHBm6D just an hour or so after we end. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Q1 What are the challenges with low financial literacy levels and financial systems knowledge? Do we have this problem in the US? #MacroSW https://t.co/VTS2v8kKX6 |
| michelle becker @michell85883920 @JoshNice4 I’m on my computer but it’s not working ughh #MacroSW |
| Danay Hershey @HersheyD47 A1: One challenge may be an individual may not know how to establish a savings or learn financial responsibility. Through no fault of their own, just because of lack of education or maybe having learned it through family structure #MacroSW |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings Q1 is live!!!!! #MacroSW https://t.co/hLxav6DOnO |
| Shand Kydd @Shand_Kydd A1. It certainly doesn’t help the local or national economy if your citizens are utterly uneducated to economy and finance. It also keeps your classes in the same class for generations and generations. No mobility. #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: The archive of tonight's chat and upcoming chat schedule will be found at: The archive of tonight's chat and upcoming chat schedule will be found at: https://t.co/MvZ2FHBm6D just an hour or so after we end. #MacroSW |
| UBuffalo Social Work @UBSSW RT @spcummings: Q1 is live!!!!! #MacroSW https://t.co/hLxav6DOnO |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: And here's a link to "How to participate in a Live Twitter Chat" by @laurelhitchcock https://t.co/5PTpyi4zH9 . . .and if you are new to Macro in general, these FAQs can help: https://t.co/N7zPRJ7uPB for answers to "What is macro social work?" #MacroSW 2/2 |
| UBuffalo Social Work @UBSSW RT @HersheyD47: A1: A1: One challenge may be an individual may not know how to establish a savings or learn financial responsibility. Through no fault of their own, just because of lack of education or maybe having learned it through family structure #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: If you are new to this Twitter chat, here are a few tips: 1. Use the #macrosw in all your tweets or others in the chat will not see them! 2. #MacroSW chats follow a Q & A format to make the conversation easier to follow. Use A1, A2, etc. when answering chat question Q1, Q2. 1/2 |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: Please keep introducing yourselves! We'll continue with our "housekeeping" tweets while learning about who is here tonight. #MacroSW |
| Rebecca Light @rll004 #A1, I’ve never heard about mobile money until today so I am excited to learn more! #macroSW |
 | Institute on Trauma and Trauma-Informed Care @UBittic @UBSSW A1: Low literacy becomes a barrier to services, to money, interaction levels in commerce and to people within that culture. Yes, we do have this problem in the US. #macrosw https://t.co/WWib5WfBp9 |
| Carrie Corrao @cacorrao @UBSSW @OfficialMacroSW #MacroSW Hi Everyone! My name is Carrie and I go to Millersville University |
| Jessica Brown @nariah A1: Yes! Once a friend of mine lived with only her tax return "bank card" after the hospital froze her out of her bank account for unpaid bills. Plenty of us are "unbanked". #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda 👋🏻 #MacroSW https://t.co/3iPczCeORA |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: A1. It certainly doesn’t help the local or national economy if your citizens are utterly uneducated to economy and finance. It also keeps your classes in the same class for generations and generations. No mobility. #MacroSW |
| michelle becker @michell85883920 @NadineShaanta @UBSSW Great response, also not having a decent paying job will make it difficult to budget as well #macrosw |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @spcummings: Q1 is live!!!!! #MacroSW https://t.co/hLxav6DOnO |
| UBuffalo Social Work @UBSSW RT @rll004: #A1, I’ve never heard about mobile money until today so I am excited to learn more! #macroSW |
| UBuffalo Social Work @UBSSW RT @UBittic: @UBSSW A1: @UBSSW A1: Low literacy becomes a barrier to services, to money, interaction levels in commerce and to people within that culture. Yes, we do have this problem in the US. #macrosw https://t.co/WWib5WfBp9 |
 | 👑Adrienne Garr👑 @adriennecgarr RT @spcummings: Q1 is live!!!!! #MacroSW https://t.co/hLxav6DOnO |
| UBuffalo Social Work @UBSSW RT @nariah: A1: A1: Yes! Once a friend of mine lived with only her tax return "bank card" after the hospital froze her out of her bank account for unpaid bills. Plenty of us are "unbanked". #MacroSW |
| UBuffalo Social Work @UBSSW RT @michell85883920: @NadineShaanta @UBSSW Great response, also not having a decent paying job will make it difficult to budget as well #macrosw |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda @KourtMabry @UBSSW @OfficialMacroSW @acosaorg @SunyaFolayan @spcummings @laurelhitchcock @VilissaThompson @porndaughter @poliSW #MacroSW https://t.co/0nibBM1emi |
| Alex Ridley @AlexRidSW Q1: Not many people get a formal education on finances, it’s more of a figure it out yourself and hopefully consult parents/family. This is clearly a huge problem. #macroSW |
| David McCollum @VilleBananas A1: The United States definitely has a problem with financial literacy. This is indicative by check cashing agencies, especially in poverty-stricken areas. #MacroSW |
 | jerryfarnett @jerryfarnett @UBSSW Also, as a world leader, the United States society projects the image that we are beyond poverty....though this not true. #MacroSW |
| UBuffalo Social Work @UBSSW A 1 In order to achieve financial security, people must be financially capable and able to accumulate assets. https://t.co/fjPnEhNEw7 <Grand Challenge for #SocialWork #Up4TheChallenge #MacroSW |
| Praxis Podcast @PraxisPod A1 Increases chance people will experience poverty and adds barriers to achieving and sustaining economic sufficiency #MacroSW |
| Rebecca Light @rll004 RT @nariah: A1: A1: Yes! Once a friend of mine lived with only her tax return "bank card" after the hospital froze her out of her bank account for unpaid bills. Plenty of us are "unbanked". #MacroSW |
 | Carolyn Wolf @Carolyn65641191 @UBSSW We definitely have this problem in the US! It can be exhausting trying to figure out (or help a client figure out) the many levels of bureaucracy to get where they need to be! #macroSW |
| Cary Sanchez @CSanchezBSW @UBSSW A1: A challenge for individuals with low financial literacy can include not having knowledge or skills, inability to utilize financial resources. This is also a problem in the United States. #MacroSW |
| michelle becker @michell85883920 A1: a problem may include not being able to save money. If one experiences many financial hardships within a short time, it oculd hurt the little savings one has #macrosw |
 | Loren Waltz @loren_waltz Q1) Those who are targeted for low financial literacy rates can often include populations with low education or income #MacroSW |
| Johanna Black @johannajblack1 A1: people might not know how to save money, causing them to be financialy unstable. #MacroSW |
| Shelby Frusetta @shelby_frusetta A1 there are many issues not being able budget can lead to financial instability. Also, if people don’t know how to navigate financial systems they will be less likely to utilize resources #MacroSW |
 | patiocake @patiocakey A1: Lots of limited financial literacy in the US. I worked as an institutional Rep Payee for people referred by landlords, caseworkers, family, and even the SSA for ppl needing assistance managing benefits. It took a village! #macroSW |
 | Katelyn @Katelyn04791497 Continuing to the cycle of poverty bc lack of education around this topic #MacroSW |
| #MacroSW Moderator @OfficialMacroSW If you are having technical difficulties please message: @OfficialMacroSW #MacroSW https://t.co/J5ya6F0JOQ |
| Social Worker @ERL_SW @UBSSW Q1. A challenge is the fact that managing finances can be a difficult task and education on this is important. #macrosw |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings A1: Financial literacy is a problem, however it feels this is because corporate special interests are working against the public interest (easy credit, payday loans, sanctioned gambling) #MacroSW |
 | Kayla @klteeples7911 @UBSSW @OfficialMacroSW I believe we have this problem in the US. I think that we are not taught basic financial skills in school and are put out in society to learn. Our clients often lack the skills and did not have the people to assist them to learn about finances #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW Yes! We push credit and down play financial literacy and planning. #MacroSW |
| UBuffalo Social Work @UBSSW @Igbydrood In the US, there are payday loan operations that can charge over 700% interest on a short-term loans - https://t.co/eGhDEQWhe1 #MacroSW |
| H. ONeill @HONeill15 A1:When an individual has low financial literacy it’s difficult to make good financial decisions or to even have the ability to do so. When in lower classes living pay check to pay check there’s no much left to save or invest. Not to mention it’s a self taught practice. #macrosw |
| Kenedi Young @kenedi_young19 @michell85883920 @NadineShaanta @UBSSW This is why many families who are living in the lower class don't even get jobs, the pay isn't even enough to pay for childcare most times. Thus making it impossible to budget #macrosw |
| UBuffalo Social Work @UBSSW RT @karenzgoda: @KourtMabry @UBSSW @OfficialMacroSW @acosaorg @SunyaFolayan @spcummings @laurelhitchcock @VilissaThompson @porndaughter @poliSW #MacroSW https://t.co/0nibBM1emi |
| UBuffalo Social Work @UBSSW RT @VilleBananas: A1: A1: The United States definitely has a problem with financial literacy. This is indicative by check cashing agencies, especially in poverty-stricken areas. #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda Karen Zgoda, #MacroSW #swtech @publicpolicyumb PhD student @McCormackGrad @UMassBoston https://t.co/aqj14ZfN6K |
| Kmarie228 @kmarie228 A1: The need for financial literacy will continue to increase as our financial systems become more complex. We have greater variety in how we choose retirement plans, savings accounts and lines of credit. It is imperative to understand the increasing number of options #MacroSW |
| Shelby Frusetta @shelby_frusetta @amharlacher Yeah overall it can work to reduce quality of life. #MacroSW |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @UBSSW Also, as a world leader, the United States society projects the image that we are beyond poverty....though this not true. #MacroSW |
| UBuffalo Social Work @UBSSW RT @PraxisPod: A1 Increases chance people will experience poverty and adds barriers to achieving and sustaining economic sufficiency #MacroSW |
| Johanna Black @johannajblack1 @klteeples7911 @UBSSW @OfficialMacroSW so true! this is why some cities/town have started "adult classes", bc people are not taught these things in school. #MacroSW |
| UBuffalo Social Work @UBSSW RT @Carolyn65641191: @UBSSW We definitely have this problem in the US! It can be exhausting trying to figure out (or help a client figure out) the many levels of bureaucracy to get where they need to be! #macroSW |
| michelle becker @michell85883920 @nariah @UBSSW Wow that is drastic. Everyone is one small medical problem away from becoming in debt #macrosw |
| 👑Adrienne Garr👑 @adriennecgarr @VilleBananas A1: Payday loan companies also prey on those living in poverty #MacroSW |
| UBuffalo Social Work @UBSSW RT @michell85883920: A1: A1: a problem may include not being able to save money. If one experiences many financial hardships within a short time, it oculd hurt the little savings one has #macrosw |
| Loren Waltz @loren_waltz Q1) Those who are targeted and often taken adavantge of for low financial literacy rates can often include populations with low education or income #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @klteeples7911: @UBSSW @OfficialMacroSW I believe we have this problem in the US. I think that we are not taught basic financial skills in school and are put out in society to learn. Our clients often lack the skills and did not have the people to assist them to learn about finances #MacroSW |
| Heather Mabry-Kourt @KourtMabry @amharlacher I agree. It needs to start with basic financial literacy (mobile or traditional). #MacroSW |
| Rebecca Light @rll004 RT @Katelyn04791497: Continuing to the cycle of poverty bc lack of education around this topic #MacroSW |
| Social Worker @ERL_SW @AlexRidSW Alex I totally agree with this. I know a number of people who really struggle how to navigate through their finances and often need to rely on others. #macrosw |
| jerryfarnett @jerryfarnett @UBSSW Agreed. Low financial literacy negatively impacts society. #MacroSW |
| UBuffalo Social Work @UBSSW RT @agingrights: A1: A1: Lots of limited financial literacy in the US. I worked as an institutional Rep Payee for people referred by landlords, caseworkers, family, and even the SSA for ppl needing assistance managing benefits. It took a village! #macroSW |
| UBuffalo Social Work @UBSSW RT @shelby_frusetta: A1 there are many issues not being able budget can lead to financial instability. Also, if people don’t know how to navigate financial systems they will be less likely to utilize resources #MacroSW |
| WorkerSocialRadical @joshdnice A1: working w/refugees, immigrants. Agency incorporates financial literacy in cultural orientation, workshops on basics, budgeting. Challenges like translation, travel,collaborating w/banks and orgs for info critical to survival, predatory lending, ‘benefit cliffs’ etc #macrosw |
| patiocake @patiocakey @spcummings Hate to say it, but even TV commercials target people with stress and the lure of relief of money probs with one easy phone call #macroSW |
| UBuffalo Social Work @UBSSW RT @OfficialMacroSW: If you are having technical difficulties please message: If you are having technical difficulties please message: @OfficialMacroSW #MacroSW https://t.co/J5ya6F0JOQ |
| UBuffalo Social Work @UBSSW RT @Katelyn04791497: Continuing to the cycle of poverty bc lack of education around this topic #MacroSW |
| Rebecca Light @rll004 RT @CSanchezBSW: @UBSSW A1: @UBSSW A1: A challenge for individuals with low financial literacy can include not having knowledge or skills, inability to utilize financial resources. This is also a problem in the United States. #MacroSW |
| Institute on Trauma and Trauma-Informed Care @UBittic @amharlacher I agree that it is a problem everywhere, finacial literacy impacts ones self of security. #macrosw |
| UBuffalo Social Work @UBSSW RT @ERL_SW: @UBSSW Q1. A challenge is the fact that managing finances can be a difficult task and education on this is important. #macrosw |
| Katelyn @Katelyn04791497 It’s better to start saving now even if it is very minimal and we can teach others the importance of saving #MacroSW |
| holly graybill @graybill_holly @UBSSW A1 Some challenges of low financial literacy is the barrier it creates to manage finances. It's hard to pick the right insurance for yourself/family. It's hard to budget and know how to save. It's hard to gain credit and apply for loans. #macrosw |
| Kayla @klteeples7911 @NadineShaanta @OfficialMacroSW Agreed. I don’t think we are taught this and it becomes a barrier to those who do not have help to learn it #MacroSW |
| #MacroSW Moderator @OfficialMacroSW Special welcome to all our hardworking students, professors, adjuncts, and practitioners tonight! #MacroSW https://t.co/6tCazn0vKk |
| UBuffalo Social Work @UBSSW RT @spcummings: A1: A1: Financial literacy is a problem, however it feels this is because corporate special interests are working against the public interest (easy credit, payday loans, sanctioned gambling) #MacroSW |
| Lydia Weinstein @lydiaMSW @UBSSW #macrosw |
| Alex Ridley @AlexRidSW @amharlacher A1: I agree that this is a problem everywhere and I wonder if it would be as bad of a problem if it was some how, at least on a small scale, incorporated into high school education. #macrosw |
| Vilissa Thompson @VilissaThompson A1: Definitely a problem here in the US. If we don’t learn at home or school about money, who teaches us? Balancing a checkbook, opening a bank account, filing taxes, budgeting-all are key skills that many struggle with due to financial illiteracy. #MacroSW https://t.co/Fyd4Q1eNz0 |
| UBuffalo Social Work @UBSSW RT @OfficialMacroSW: Special welcome to all our hardworking students, professors, adjuncts, and practitioners tonight! #MacroSW https://t.co/6tCazn0vKk |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @UBSSW Yes! We push credit and down play financial literacy and planning. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @VilleBananas: A1: A1: The United States definitely has a problem with financial literacy. This is indicative by check cashing agencies, especially in poverty-stricken areas. #MacroSW |
| UBuffalo Social Work @UBSSW RT @HONeill15: A1:When an individual has low financial literacy it’s difficult to make good financial decisions or to even have the ability to do so. When in lower classes living pay check to pay check there’s no much left to save or invest. Not to mention it’s a self taught practice. #macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @spcummings: A1: A1: Financial literacy is a problem, however it feels this is because corporate special interests are working against the public interest (easy credit, payday loans, sanctioned gambling) #MacroSW |
| UBuffalo Social Work @UBSSW RT @kenedi_young19: @michell85883920 @NadineShaanta @UBSSW This is why many families who are living in the lower class don't even get jobs, the pay isn't even enough to pay for childcare most times. Thus making it impossible to budget #macrosw |
| michelle becker @michell85883920 @klteeples7911 @OfficialMacroSW @UBSSW i completely agree. There should be more education regadin this issue even in highschool. Teach students how t budget, apply for loans etc #macrosw |
| UBuffalo Social Work @UBSSW RT @karenzgoda: Karen Zgoda, #MacroSW #swtech @publicpolicyumb PhD student @McCormackGrad @UMassBoston https://t.co/aqj14ZfN6K |
 | Sihab Mahmud @SihabBD RT @UBSSW: Our guest expert tonight is Dr. Nadine (Shaanta) Murshid, @NadineShaanta an Assistant Professor at @UBSSW Her research is mainly focused on economic interventions, and tonight we'll talk about the use of #MobileMoney in #Bangladesh. Welcome, Shaanta! #MacroSW |
| UBuffalo Social Work @UBSSW RT @kmarie228: A1: A1: The need for financial literacy will continue to increase as our financial systems become more complex. We have greater variety in how we choose retirement plans, savings accounts and lines of credit. It is imperative to understand the increasing number of options #MacroSW |
| UBuffalo Social Work @UBSSW RT @shelby_frusetta: @amharlacher Yeah overall it can work to reduce quality of life. #MacroSW |
| UBuffalo Social Work @UBSSW RT @johannajblack1: @klteeples7911 @UBSSW @OfficialMacroSW so true! this is why some cities/town have started "adult classes", bc people are not taught these things in school. #MacroSW |
| Molly Ritter @ritter_molly @NadineShaanta I agree that this speaks directly to income inequality. Unfortunately it speaks to the cycle of poverty in our country. #macrosw |
 | Lucienne @luciennejanelle @UBSSW @OfficialMacroSW I do think we have this issue in the US. There are families all over the US who are low income and some may not have money for services, One being health insurance. #MacroSW |
| Kenedi Young @kenedi_young19 @causeisaidSOph @UBSSW I like you brought up this idea of not being able to afford financial advice, that was something I haven't considered #macrosw |
| Molly Ritter @ritter_molly @UBSSW #macrosw |
| Lydia Weinstein @lydiaMSW @shelby_frusetta @UBSSW That’s why I feel like it should be worked into schools systems to teach kids at a younger age! #macrosw |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @VilissaThompson: A1: A1: Definitely a problem here in the US. If we don’t learn at home or school about money, who teaches us? Balancing a checkbook, opening a bank account, filing taxes, budgeting-all are key skills that many struggle with due to financial illiteracy. #MacroSW https://t.co/Fyd4Q1eNz0 |
| jerryfarnett @jerryfarnett @OfficialMacroSW @UBSSW I believe we hesitate to discuss poverty and promote financial literacy because we believe it makes us look weak and less powerful to the rest of the world. As social workers we know this is a fallacy. #MacroSW |
| Loren Waltz @loren_waltz @johannajblack1 @klteeples7911 @UBSSW @OfficialMacroSW @johannajblack1 these seem to be vary helpful! As far as Lancaster goes, I believe Tabor provides those classes and they are open to the public #macrosw |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @OfficialMacroSW: Special welcome to all our hardworking students, professors, adjuncts, and practitioners tonight! #MacroSW https://t.co/6tCazn0vKk |
| UBuffalo Social Work @UBSSW Q2 is on its way in a minute! #MacroSW |
| Carrie Corrao @cacorrao @UBSSW @OfficialMacroSW Q1. #MacroSW Yes I think we do have a problem. Many people are not prepared for surprise expenses, and banking skills transfer into future generations, perpetuating issues related to poverty and other areas. |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @mizzpicklezz: @VilleBananas A1: @VilleBananas A1: Payday loan companies also prey on those living in poverty #MacroSW |
| UBuffalo Social Work @UBSSW RT @michell85883920: @nariah @UBSSW Wow that is drastic. Everyone is one small medical problem away from becoming in debt #macrosw |
| UBuffalo Social Work @UBSSW RT @mizzpicklezz: @VilleBananas A1: @VilleBananas A1: Payday loan companies also prey on those living in poverty #MacroSW |
| Heather Mabry-Kourt @KourtMabry @klteeples7911 @UBSSW @OfficialMacroSW These taught skills have definetly gone to the wayside! #MacroSW |
| Alexsis Murray @MurrayAlexsis To be able to budget, families need to have money that they can budget. There are times families do not have the chance get ahead, let alone learn the skills to get ahead #macrosw |
| UBuffalo Social Work @UBSSW RT @ERL_SW: @AlexRidSW Alex I totally agree with this. I know a number of people who really struggle how to navigate through their finances and often need to rely on others. #macrosw |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @UBSSW Agreed. Low financial literacy negatively impacts society. #MacroSW |
| UBuffalo Social Work @UBSSW RT @agingrights: @spcummings Hate to say it, but even TV commercials target people with stress and the lure of relief of money probs with one easy phone call #macroSW |
| Courtney @courtneyann2018 @UBSSW Yes, education of finances is not taught, unless our parents are teaching us this. Most of our clients do not have the support from others to be taught these essential skills. This becomes a problem for our society as a whole. #MacroSW |
| holly graybill @graybill_holly @UBSSW A1 It also doesn't help that financial literacy isn't something education focuses on. I'm about to have a masters degree and still feel financially illiterate. It will create issues for myself as well as my clients if they need financial help #macrosw |
| H. ONeill @HONeill15 @AlexRidSW @amharlacher Even learning to do taxes or balance finances would be a benefit to young kids. Though there are free tax services for low income families, sometimes they’re not known. Paying someone to do taxes is pretty expensive otherwise! #MacroSW |
| UBuffalo Social Work @UBSSW RT @JoshNice4: A1: A1: working w/refugees, immigrants. Agency incorporates financial literacy in cultural orientation, workshops on basics, budgeting. Challenges like translation, travel,collaborating w/banks and orgs for info critical to survival, predatory lending, ‘benefit cliffs’ etc #macrosw |
| Jessica Brown @nariah @kenedi_young19 I resist the idea that the answer to poverty under capitalism is education. Education can be a powerful tool but it can also be a victim blaming call-out, yk? Start with living wage jobs, then we have something to budget with. #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda A1: Debtor's prisons are STILL a problem: https://t.co/BbLJT9IeTP via @aclu #MacroSW |
| jerryfarnett @jerryfarnett @mizzpicklezz @UBSSW @VilleBananas Excellent point! #MacroSW |
| Rebecca Light @rll004 @causeisaidSOph @UBSSW The cycle will continue and keep a vulnerable group on poverty at all times unless we do something to change it! #macroSW #completelyagree |
| UBuffalo Social Work @UBSSW Q2 What is mobile money? #MacroSW https://t.co/H2XIL8rYxD |
| Molly Ritter @ritter_molly @Jwat1207 @klteeples7911 @OfficialMacroSW @UBSSW My students say that to me all of the time. None of my students have a clue about taxes and budgeting, and they all express a desire to learn. #macrosw |
| Shand Kydd @Shand_Kydd Financial Literacy Education in the U.S. in schools is a lot like our Sex Education in schools...the little education you are taught on these subjects is a joke and often taboo. People fear looking at their bank statements more than walking down a dark alley! #MacroSW |
| Abby Squicciarini @abby_dawn6 @ritter_molly @NadineShaanta I agree with you pertaining to the cycle of poverty in the US. Students were given basic knowledge on finances to decrease risk factors later in life. #macrosw |
| Lucienne @luciennejanelle @NadineShaanta @OfficialMacroSW You make a great point. If one with low income not be able to manage the finances are budget or even save money it will lead to instability. #MacroSW |
| 👑Adrienne Garr👑 @adriennecgarr @SamanthaWeiric2 Agreed. Many parents don't feel it's necessary to teach children how to manage finances. #MacroSW |
| UBuffalo Social Work @UBSSW RT @UBittic: @amharlacher I agree that it is a problem everywhere, finacial literacy impacts ones self of security. #macrosw |
| Kenedi Young @kenedi_young19 A1: My high school offered business classes but had very strict guidelines to get into and you had to be pursuing a business major after you graduated. #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @JoshNice4: A1: A1: working w/refugees, immigrants. Agency incorporates financial literacy in cultural orientation, workshops on basics, budgeting. Challenges like translation, travel,collaborating w/banks and orgs for info critical to survival, predatory lending, ‘benefit cliffs’ etc #macrosw |
| UBuffalo Social Work @UBSSW RT @Katelyn04791497: It’s better to start saving now even if it is very minimal and we can teach others the importance of saving #MacroSW |
| UBuffalo Social Work @UBSSW RT @graybill_holly: @UBSSW A1 Some challenges of low financial literacy is the barrier it creates to manage finances. It's hard to pick the right insurance for yourself/family. It's hard to budget and know how to save. It's hard to gain credit and apply for loans. #macrosw |
| Loren Waltz @loren_waltz @AlexRidSW @amharlacher Agree. I think high school is definitely the time to learn because many people do not attend college and often begin the need to manage their finaces right away #macrosw |
| Danay Hershey @HersheyD47 A2: One advantage would be individuals are able to learn about money and it empowers them to have control over their finances. #MacroSW |
| WorkerSocialRadical @joshdnice @kelmiller22 We could add that the majority of Americans make 30k or less each year and cannot afford a $1k emergency to begin with. Conversations regarding Financial Inequality, radical redistribution of wealth, should be priority as well. Thanks for sharing! #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda So inclined to say all the 💸💸💸 leaving my account... #MacroSW https://t.co/oC0OjpniNK |
| UBuffalo Social Work @UBSSW RT @AlexRidSW: @amharlacher A1: @amharlacher A1: I agree that this is a problem everywhere and I wonder if it would be as bad of a problem if it was some how, at least on a small scale, incorporated into high school education. #macrosw |
| jerryfarnett @jerryfarnett @UBSSW Please tell! Details!!! #MacroSW |
| michelle becker @michell85883920 A2: I utilize mobile money to pay bills, when friends and i split the cost, i transfer it to them through the app. its convient #macrosw |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings Q2 is live!!!!!! #MacroSW https://t.co/A96FYEvNxH |
 | Caleigh Ames @caleigh_ames @UBSSW A1: When students are not taught these skills while going through middle and high school... they are set back when they actually need to utilize the skills. We definitely have this problem in the US. #MacroSW |
| Alex Ridley @AlexRidSW Q2: Mobile money is actually a new term for me so i am excited to read the tweets about it! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Q2 What is mobile money? #MacroSW https://t.co/H2XIL8rYxD |
| Carrie Corrao @cacorrao @VilleBananas @OfficialMacroSW #macrosw In my one class we talked about the lack of banks in cities, and what a barrier it places for people to get to a bank to deposit money and access money in an appropriate time frame to pay bills. A lot of our banks are on one road outside the city area. |
| Rebecca Light @rll004 #A1: it’s frustrating when clients can’t access financial help because they don’t meet 1-2 of the million criteria, or were unaware for years that this aid existed, and now that bit of help won’t be able to pull them out of the hole that they’re now in #macroSW |
| ALLY @allydean3 A 1: Yes, we have this problem! There are a lot of students in college who don't know how to do FASA and understand loans. This can cause them to have higher interest rates. We also don't teach kids in school about financial responsibilities. #MacroSW |
| Heather Mabry-Kourt @KourtMabry @UBSSW Mobile money is essencially an electronic wallet. It is an alternative to bank accounts and can be accessed through smartphones. #MacroSW |
| Loren Waltz @loren_waltz @kenedi_young19 Kenedi, that sounds like a definite barrier to those who could have benefited from the class but were not business majors... #macrosw |
| Abby Squicciarini @abby_dawn6 @AlexRidSW Mobile money is also new to be so I’m interested to read everyone’s thoughts! #macrosw |
| Praxis Podcast @PraxisPod A2 Seems to be a currency that is exchanged electronically via text #macrosw |
| 👑Adrienne Garr👑 @adriennecgarr @causeisaidSOph In some cases it may not be worth engaging in a traditional banking system. For some individuals it may not make sense to open a savings account with a low rate of return or to open a checking account with a bank that charges fees #MacroSW |
| #MacroSW Moderator @OfficialMacroSW Be sure to use #MacroSW in your tweets so we can see you and your prof can grade you! https://t.co/zpMuaxoSAn |
| Alexsis Murray @MurrayAlexsis @kmarie228 I love how you mentioned retirement plans. Very few people are prepared for their futures or have knowledge about the finances of the expenses at retirement age! #MacroSW |
| UBuffalo Social Work @UBSSW @AlexRidSW @amharlacher Yes - I had an economics course as a junior in high school - this was back in the 70's! #MacroSW https://t.co/M70FbHe3tQ |
| Kayla @klteeples7911 @UBSSW @OfficialMacroSW I have not heard this term before, so I am interested to know! #MacroSW |
| UBuffalo Social Work @UBSSW RT @VilissaThompson: A1: A1: Definitely a problem here in the US. If we don’t learn at home or school about money, who teaches us? Balancing a checkbook, opening a bank account, filing taxes, budgeting-all are key skills that many struggle with due to financial illiteracy. #MacroSW https://t.co/Fyd4Q1eNz0 |
| Molly Ritter @ritter_molly @AlexRidSW Me too! I don’t know what it means and can’t wait to learn more about it! #macrosw |
| Shelby Frusetta @shelby_frusetta Electric commerce, using electronics (phones and computers) to monitor finances and pay for things. #MacroSW |
| Johanna Black @johannajblack1 A2 #MacroSW mobile money is essentially money transferred via an app, like PayPal, Venmo, etc. you can pay bills, or pay someone back if you need to. it's very easy & convenient. |
| Shand Kydd @Shand_Kydd A2. No idea other than my professor told us they have been using this concept of mobile money in her native Kenya since 2007! I am a self-professed luddite and do not indulge in moderne technology unless forced! #MacroSW |
| Katelyn @Katelyn04791497 2-I use mobile often when it comes to eating out with friends, we tend to split cost that way and it’s easy to transfer money to people #MacroSW |
| michelle becker @michell85883920 @UBSSW to me mobile money is the money you can trasnfer through the internet without actually/physically hading the money to someone #macrosw |
| UBuffalo Social Work @UBSSW @VilissaThompson Hey, another #MacroSW partner! Hi, Vilissa! |
| UBuffalo Social Work @UBSSW RT @michell85883920: @klteeples7911 @OfficialMacroSW @UBSSW i completely agree. There should be more education regadin this issue even in highschool. Teach students how t budget, apply for loans etc #macrosw |
| Lucienne @luciennejanelle @UBSSW @OfficialMacroSW When I think of mobile money I think about online apps that control your Bank accounts and you’re able to move money through to either your bills or being able to transfer your money to someone else’s account. Can’t wait to learn more about it #MacroSW |
| Lydia Weinstein @lydiaMSW @AlexRidSW I’m excited to learn more about mobile money too! #macrosw |
| UBuffalo Social Work @UBSSW RT @ritter_molly: @NadineShaanta I agree that this speaks directly to income inequality. Unfortunately it speaks to the cycle of poverty in our country. #macrosw |
| Social Worker @ERL_SW @UBSSW Q2. Being able to store money, withdraw and transfer at any time from any place, with anyone. #macrosw |
| UBuffalo Social Work @UBSSW RT @kenedi_young19: @causeisaidSOph @UBSSW I like you brought up this idea of not being able to afford financial advice, that was something I haven't considered #macrosw |
| Kayla @klteeples7911 @KourtMabry @UBSSW This makes sense now that you put it in these terms! I don’t think I’ve heard it called mobile money before. #MacroSW |
| UBuffalo Social Work @UBSSW RT @luciennejanelle: @UBSSW @OfficialMacroSW I do think we have this issue in the US. There are families all over the US who are low income and some may not have money for services, One being health insurance. #MacroSW |
| Vilissa Thompson @VilissaThompson We’ve had similar experiences. Learning at school + home shaped my relationship with money. #MacroSW https://t.co/sv3x1U348f |
| holly graybill @graybill_holly @UBSSW A2 Mobile money (I believe) is an electronic form of payment that is quick and convenient because it is done right from your phone. I definitely feel behind my time because I have yet to use it. #macrosw |
| UBuffalo Social Work @UBSSW RT @lydiaMSW: @shelby_frusetta @UBSSW That’s why I feel like it should be worked into schools systems to teach kids at a younger age! #macrosw |
| Cary Sanchez @CSanchezBSW @UBSSW A2: When I think of mobile money I think of having the ability to withdraw and transfer money through the convenience of a cellular device #MacroSW |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @OfficialMacroSW @UBSSW I believe we hesitate to discuss poverty and promote financial literacy because we believe it makes us look weak and less powerful to the rest of the world. As social workers we know this is a fallacy. #MacroSW |
| Shelby Frusetta @shelby_frusetta @NadineShaanta I agree, the problem is getting people the accessibility and capability to utilize it. #MacroSW |
| UBuffalo Social Work @UBSSW RT @loren_waltz: @johannajblack1 @klteeples7911 @UBSSW @OfficialMacroSW @johannajblack1 these seem to be vary helpful! As far as Lancaster goes, I believe Tabor provides those classes and they are open to the public #macrosw |
| Alex Ridley @AlexRidSW @johannajblack1 A2: Well that makes sense, I guess I knew what it was..without knowing what it was. #macrosw |
| Johanna Black @johannajblack1 @NadineShaanta @OfficialMacroSW very true. if you have never used mobile money, then you don't know how it works. #MacroSW |
| Carrie Corrao @cacorrao @UBSSW @OfficialMacroSW Q2. I think of those loaded debit cards you see on TV commercials. Money that transferred electronically where going to a bank physically is not necessary. It is a way for someone to access their own money easily. #macrosw |
| Caleigh Ames @caleigh_ames @UBSSW We have seen “mobile money” through various new, popular apps. Employers can now pay their employees through the app Venmo. Individuals can download Applepay and use there phone like a credit card. Essentially, your phone now holds as much power as your wallet #MacroSW |
| Vilissa Thompson @VilissaThompson @UBSSW Hey Pat! #MacroSW |
| Ashley Kissinger @ashley_kiss10 A1: students are not typically learning the skills necessary to be financially wise/stable when in middle and high school. If they do not receive a positive influence from their parents in this area, patterns of poverty are likely to continue. #macroSW |
| Rebecca Light @rll004 @MurrayAlexsis @kmarie228 Absolutely! It seems like one of those “if you’re lucky and figure it out good for you, but otherwise it’s your problem, good luck” type of situations #macroSW |
| UBuffalo Social Work @UBSSW A2 Here is one of the ways #MobileMoney works in the US (not endorsing this app but liked the lemonade stand entrepreneurs!) https://t.co/DXhTH5XucR #MacroSW https://t.co/msSDd4Yvam |
| Social Worker @ERL_SW @luciennejanelle @UBSSW @OfficialMacroSW I agree Luci that is what I think about as well. It is crazy how quickly money can be sent to someone through a cell phone! #macrosw |
| Kmarie228 @kmarie228 A2: Mobile money uses smartphones so people can do their banking online. It can also refer to online commerce such as using a smartphone to purchase things online. Many people have their bank accounts connected to various other apps such as Amazon, Venmo, Apple Pay...#MacroSW |
| 👑Adrienne Garr👑 @adriennecgarr @UBSSW Mobile money is paypal, zell, making a payment through an Uber app.. paying through banking apps #MacroSW |
| Courtney @courtneyann2018 @KESollenberger @UBSSW I agree, it is a challenge to budget and prepare for the future. Our clients struggle even more because they have so many more barriers than we do. How can we expect everyone to understand budgeting when we are not taught this basic skill in school. #MacroSW |
| Institute on Trauma and Trauma-Informed Care @UBittic @UBSSW A2: Financial transactions that take place utilizing a cell phone. #macrosw https://t.co/WWib5WfBp9 |
| Vilissa Thompson @VilissaThompson RT @UBSSW: A2 Here is one of the ways #MobileMoney works in the US (not endorsing this app but liked the lemonade stand entrepreneurs!) https://t.co/DXhTH5XucR #MacroSW https://t.co/msSDd4Yvam |
| UBuffalo Social Work @UBSSW RT @cacorrao: @UBSSW @OfficialMacroSW Q1. #MacroSW Yes I think we do have a problem. Many people are not prepared for surprise expenses, and banking skills transfer into future generations, perpetuating issues related to poverty and other areas. |
| Kenedi Young @kenedi_young19 @loren_waltz I agree, you would think they would want to educate those who wouldn't be taking similar classes in the future, but this is one of the many reasons why people lack the knowledge! #MacroSW |
| UBuffalo Social Work @UBSSW RT @KourtMabry: @klteeples7911 @UBSSW @OfficialMacroSW These taught skills have definetly gone to the wayside! #MacroSW |
| UBuffalo Social Work @UBSSW RT @MurrayAlexsis: To be able to budget, families need to have money that they can budget. There are times families do not have the chance get ahead, let alone learn the skills to get ahead #macrosw |
| UBuffalo Social Work @UBSSW RT @courtneyann2018: @UBSSW Yes, education of finances is not taught, unless our parents are teaching us this. Most of our clients do not have the support from others to be taught these essential skills. This becomes a problem for our society as a whole. #MacroSW |
 | Ivonne J. Maldonado @ivytona “Financial capability is the comb of attitude, knowledge, skills, & self-efficacy needed to make & exercise money management decisions that best fit the circumstances of one’s life...” https://t.co/eVutA2YYkx #MacroSW |
| 👑Adrienne Garr👑 @adriennecgarr @Igbydrood Equity is all about access and opportunities #MacroSW |
| Rebecca Light @rll004 #A2: the only type of “mobile money” I use is my bank website when I check my account. I am excited to learn news ways and possibly be able to take some information back to clients! #macroSW |
| UBuffalo Social Work @UBSSW RT @graybill_holly: @UBSSW A1 It also doesn't help that financial literacy isn't something education focuses on. I'm about to have a masters degree and still feel financially illiterate. It will create issues for myself as well as my clients if they need financial help #macrosw |
| UBuffalo Social Work @UBSSW RT @HONeill15: @AlexRidSW @amharlacher Even learning to do taxes or balance finances would be a benefit to young kids. Though there are free tax services for low income families, sometimes they’re not known. Paying someone to do taxes is pretty expensive otherwise! #MacroSW |
| UBuffalo Social Work @UBSSW RT @nariah: @kenedi_young19 I resist the idea that the answer to poverty under capitalism is education. Education can be a powerful tool but it can also be a victim blaming call-out, yk? Start with living wage jobs, then we have something to budget with. #MacroSW |
| UBuffalo Social Work @UBSSW RT @karenzgoda: A1: Debtor's prisons are STILL a problem: A1: Debtor's prisons are STILL a problem: https://t.co/BbLJT9IeTP via @aclu #MacroSW |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @mizzpicklezz @UBSSW @VilleBananas Excellent point! #MacroSW |
| 👑Adrienne Garr👑 @adriennecgarr RT @UBSSW: Tonight, @karenzgoda will be on our group's handle @OfficialMacroSW - She'll help keep track of the tweets and traffic tonight! Thanks, Karen! #MacroSW https://t.co/oeLqFdlNPt |
| UBuffalo Social Work @UBSSW Please include #MacroSW hashtag in your tweets so everyone can follow the conversation. We want to see what you have to say! |
| holly graybill @graybill_holly @causeisaidSOph @UBSSW Yeah! I'm extremely privileged that I haven't had to worry too much about about finances because I'm fortunate enough to have a family that is willing/able to help, but I know that's obviously not the case for everyone. #macrosw |
| Rebecca Light @rll004 @luciennejanelle @UBSSW @OfficialMacroSW Me too! I am so lost when it comes to new technology so I’m excited to see how we can implement some of this! #macroSW |
| Jaleen Leon @JaleenLeon Mobile money is easy acess to manage your money on your smartphone or computers #macrosw |
| Molly Ritter @ritter_molly A2: mobile money is great for clients with accessiblity needs. It helps clients deposit checks, transfer money, and even pay bills from their own home or wherever they may be. It also helps clients with limited transportation manage their funds. #macrosw |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: Financial Literacy Education in the U.S. in schools is a lot like our Sex Education in schools...the little education you are taught on these subjects is a joke and often taboo. People fear looking at their bank statements more than walking down a dark alley! #MacroSW |
| David McCollum @VilleBananas A2: Prior to this chat, the only thing I knew about mobile money was the services of Venmo and Snapcash. Does Paypal count? I think bitcoin and cryptocurreny seem more appealing than mobile money though. #MacroSW |
| critty @crittykins @UBSSW It makes it difficult for a person to be self-sufficient and know how to best manage their money (i.e. save, invest, financial planning, etc.) #macrosw #financialcapability |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: Please include #MacroSW hashtag in your tweets so everyone can follow the conversation. We want to see what you have to say! |
| UBuffalo Social Work @UBSSW RT @luciennejanelle: @NadineShaanta @OfficialMacroSW You make a great point. If one with low income not be able to manage the finances are budget or even save money it will lead to instability. #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW Thank you. This also raises the common sense point of why would one build a bank in an area where people have need of housing and basic resources. Brick and mortar banking requires a certain level of financial stability that many people have not yet acquired. #MacroSW |
| Ivonne J. Maldonado @ivytona "Attitude and self-efficacy are concepts that refer to a person’s positive or negative evaluation of the value of managing money proactively (attitude) and to their belief or confidence in their ability to actually do so (self-efficacy).” https://t.co/eVutA2YYkx #MacroSW |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings RT @UBSSW: Please include #MacroSW hashtag in your tweets so everyone can follow the conversation. We want to see what you have to say! |
| UBuffalo Social Work @UBSSW RT @mizzpicklezz: @SamanthaWeiric2 Agreed. Many parents don't feel it's necessary to teach children how to manage finances. #MacroSW |
| UBuffalo Social Work @UBSSW RT @kenedi_young19: A1: A1: My high school offered business classes but had very strict guidelines to get into and you had to be pursuing a business major after you graduated. #MacroSW |
| Cary Sanchez @CSanchezBSW @graybill_holly @UBSSW You talk about insurance which is VERY important and necessary but when I thought of finance my mind went straight to food, housing, transportation. All of which are part of Maslow’s hierarchy of basic needs #MacroSW |
| UBuffalo Social Work @UBSSW RT @HersheyD47: A2: A2: One advantage would be individuals are able to learn about money and it empowers them to have control over their finances. #MacroSW |
| UBuffalo Social Work @UBSSW RT @ERL_SW: @UBSSW Q2. Being able to store money, withdraw and transfer at any time from any place, with anyone. #macrosw |
| UBuffalo Social Work @UBSSW RT @luciennejanelle: @UBSSW @OfficialMacroSW When I think of mobile money I think about online apps that control your Bank accounts and you’re able to move money through to either your bills or being able to transfer your money to someone else’s account. Can’t wait to learn more about it #MacroSW |
| UBuffalo Social Work @UBSSW RT @michell85883920: @UBSSW to me mobile money is the money you can trasnfer through the internet without actually/physically hading the money to someone #macrosw |
| UBuffalo Social Work @UBSSW RT @Katelyn04791497: 2-I use mobile often when it comes to eating out with friends, we tend to split cost that way and it’s easy to transfer money to people #MacroSW |
| Shelby Frusetta @shelby_frusetta @rll004 @luciennejanelle @UBSSW @OfficialMacroSW So lost when it comes to technology #MacroSW |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: A2. No idea other than my professor told us they have been using this concept of mobile money in her native Kenya since 2007! I am a self-professed luddite and do not indulge in moderne technology unless forced! #MacroSW |
| UBuffalo Social Work @UBSSW RT @johannajblack1: A2 #MacroSW mobile money is essentially money transferred via an app, like PayPal, Venmo, etc. you can pay bills, or pay someone back if you need to. it's very easy & convenient. |
| Abby Squicciarini @abby_dawn6 @caleigh_ames @UBSSW Mobile money sounds like a great idea. Like you said your phone has as much power as your wallet but it’s also scary thinking about how easy someone could hack your information! #macrosw https://t.co/KQurzhd2Bt |
| Carolyn Wolf @Carolyn65641191 @graybill_holly @UBSSW I totally, totally agree! Masters degree and I still feel clueless. I can't imagine how I'd feel if I were from another country or didn't speak english. #macroSW |
| michelle becker @michell85883920 @ERL_SW @UBSSW Great way to describe it. Like paypal, apple ipay, good thought #macrosw |
| WorkerSocialRadical @joshdnice A2: Mobile $ advertised as virtual road, more inclusive economic participation n development. Gives access to global community, receive assistance from anywhere. Convenient for consumers, small businesses, bc likely won’t require much infrastructure or tech setup.#macrosw |
| Alexsis Murray @MurrayAlexsis Prior to today I had never heard this term before. However, I have been using mobile money for years. It is financial transactions connected to phones and other sources of technology. #macrosw |
| UBuffalo Social Work @UBSSW RT @KourtMabry: @UBSSW Mobile money is essencially an electronic wallet. It is an alternative to bank accounts and can be accessed through smartphones. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW @shelby_frusetta @rll004 @luciennejanelle @UBSSW You are both doing great! #MacroSW https://t.co/mdraJOyEAP |
| UBuffalo Social Work @UBSSW RT @spcummings: Q2 is live!!!!!! #MacroSW https://t.co/A96FYEvNxH |
| Adrienne @wirthadrienne A2) My professor just discussed this last night. In Kenya it is called M-Pesa. It's difficult for me to imagine although many countries have been using mobile money for years. Due to technology there are some ways I already use it. Venmo/Paypal may be an example. #macrosw |
| jerryfarnett @jerryfarnett @UBSSW This seems to hold some promise. It also requires a level of access to technology. #MacroSW |
| Institute on Trauma and Trauma-Informed Care @UBittic @NadineShaanta Challenges such as literacy levels further complicates and can alienate certain users/populations. #macrosw |
| UBuffalo Social Work @UBSSW RT @karenzgoda: So inclined to say all the 💸💸💸 leaving my account... #MacroSW https://t.co/oC0OjpniNK |
| Ashley Kissinger @ashley_kiss10 A2: I'm not very familiar with mobile banking in Bangledesh, but find it very beneficial in the US. I studied abroad in Ecuador and there was such a challenge to use cash. It was available, but mainly in $20's and not small bills. #macroSW |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @UBSSW Please tell! Details!!! #MacroSW |
| patiocake @patiocakey @mizzpicklezz @UBSSW You put mobile $ in a light I didn't think of- we use it already! It's not some foreign thing to be nervous or curious about! #macroSW |
| Lydia Weinstein @lydiaMSW @AlexRidSW @johannajblack1 Same! I use my online banking all the time I did not realize that was referred to as mobile money. Online banking helps clients to see what they are spending as they spend, instead of getting a large bill they can’t pay. #macrosw |
| WorkerSocialRadical @joshdnice @filipeduarte81 Fresh air, @filipeduarte81 ! #MacroSW |
| critty @crittykins @NadineShaanta I agree and am astounded at your data that 9 million households in the U.S. are unbanked. Does this apply mostly to our immigrant population and/or are average Americans included? #macrosw #financialcapability |
| jerryfarnett @jerryfarnett @spcummings @UBSSW It definitely deserves further study as it exhibits out of the box thinking that is much in line with social work values. #MacroSW |
| Lucienne @luciennejanelle @CSanchezBSW @UBSSW That is what I was thinking too. I use my online bank to pay bills and transfer money to my savings account. I also use the Venmo app because it allows you to send a bill to someone who owes you money and it is connected to your bank account. #MacroSW |
| Courtney @courtneyann2018 @UBSSW Mobile money is downloading an app that you can use your money anywhere. You do not have to have a debit card or carry a wallet. #MacroSW |
| Caleigh Ames @caleigh_ames @abby_dawn6 @UBSSW Oh absolutely! I used applepay for about a month before turning it off. You never know what can go wrong through technology #MacroSW |
| Shand Kydd @Shand_Kydd @abby_dawn6 @caleigh_ames @UBSSW I was thinking that too. About hacking and what if you lose your phone or it gets stolen? #MacroSW |
| UBuffalo Social Work @UBSSW @jerryfarnett The teacher had us pick stocks and follow them for the school year. Budding Capitalists all. Learned about the role of the Federal Reserve and monetary policy - visited the branch located in Buffalo. Very macro! #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda @filipeduarte81 We're the cool mom of #socialwork chats. #MacroSW https://t.co/BwQHVpAOTU https://t.co/aCsE8sLHnj |
| UBuffalo Social Work @UBSSW RT @michell85883920: A2: A2: I utilize mobile money to pay bills, when friends and i split the cost, i transfer it to them through the app. its convient #macrosw |
| UBuffalo Social Work @UBSSW RT @AlexRidSW: Q2: Q2: Mobile money is actually a new term for me so i am excited to read the tweets about it! #MacroSW |
| UBuffalo Social Work @UBSSW RT @cacorrao: @VilleBananas @OfficialMacroSW #macrosw In my one class we talked about the lack of banks in cities, and what a barrier it places for people to get to a bank to deposit money and access money in an appropriate time frame to pay bills. A lot of our banks are on one road outside the city area. |
| Courtney @courtneyann2018 @Manarkustiro @UBSSW It is my understanding that you do not need a smart phone to use mobile money. You just need to have a cell phone. #MacroSW |
| jerryfarnett @jerryfarnett @NadineShaanta @UBSSW It would seem easy to supply people with phones. However, in many countries this would require the establishment of a cell tower infrastructure. It might be a worth-while investment. #MacroSW |
| UBuffalo Social Work @UBSSW RT @loren_waltz: @kenedi_young19 Kenedi, that sounds like a definite barrier to those who could have benefited from the class but were not business majors... #macrosw |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings A2: Like the Cash App. I'm not using the other apps anymore. #MacroSW |
| Shaneea @Shaneea3 A1: Without financial literacy, it is nearly impossible to make financially sound decisions. Educating individuals on how to use ATMS or online banking can make a difference. #MacroSW |
| UBuffalo Social Work @UBSSW RT @PraxisPod: A2 Seems to be a currency that is exchanged electronically via text #macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @karenzgoda: @filipeduarte81 We're the cool mom of #socialwork chats. #MacroSW https://t.co/BwQHVpAOTU https://t.co/aCsE8sLHnj |
| UBuffalo Social Work @UBSSW RT @rll004: #A2: #A2: the only type of “mobile money” I use is my bank website when I check my account. I am excited to learn news ways and possibly be able to take some information back to clients! #macroSW |
| UBuffalo Social Work @UBSSW RT @mizzpicklezz: @Igbydrood Equity is all about access and opportunities #MacroSW |
| Molly Ritter @ritter_molly @mhennigan17 I agree! Mobile money creates many more options for clients where public transportation is not a viable option, or for clients who can not take public transportation for health reasons. #macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @UBittic: @NadineShaanta Challenges such as literacy levels further complicates and can alienate certain users/populations. #macrosw |
| UBuffalo Social Work @UBSSW RT @ivytona: “Financial capability is the comb of attitude, knowledge, skills, & self-efficacy needed to make & exercise money management decisions that best fit the circumstances of one’s life...” https://t.co/eVutA2YYkx #MacroSW |
| Jessica Brown @nariah @mizzpicklezz In my case finances were pretty simple: when my parents worked they paid bills when they could, bought groceries and occasionally treats. Often pay was in cash. They taught me about allowance (inconsistently) but nothing like credit, investment, interest. #macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @wirthadrienne: A2) My professor just discussed this last night. In Kenya it is called M-Pesa. It's difficult for me to imagine although many countries have been using mobile money for years. Due to technology there are some ways I already use it. Venmo/Paypal may be an example. #macrosw |
 | Sunya Folayan @SunyaFolayan RT @caleigh_ames: @UBSSW We have seen “mobile money” through various new, popular apps. Employers can now pay their employees through the app Venmo. Individuals can download Applepay and use there phone like a credit card. Essentially, your phone now holds as much power as your wallet #MacroSW |
| critty @crittykins @NadineShaanta How is it that that US citizens have inequality in terms of access to financial services? Please send me resources to learn about this, thanks. #macrosw #financialcapability |
| UBuffalo Social Work @UBSSW Ready for Q3? #MacroSW https://t.co/z6ENoRCQm0 |
| UBuffalo Social Work @UBSSW RT @kenedi_young19: @loren_waltz I agree, you would think they would want to educate those who wouldn't be taking similar classes in the future, but this is one of the many reasons why people lack the knowledge! #MacroSW |
| Shaneea @Shaneea3 A2: Mobile money acts as a tool that rapidly assist individuals not receiving their money on time when in need. #MacroSW |
 | Manar Kustiro @manarkustiro RT @courtneyann2018: @UBSSW Yes, education of finances is not taught, unless our parents are teaching us this. Most of our clients do not have the support from others to be taught these essential skills. This becomes a problem for our society as a whole. #MacroSW |
| UBuffalo Social Work @UBSSW RT @rll004: @luciennejanelle @UBSSW @OfficialMacroSW Me too! I am so lost when it comes to new technology so I’m excited to see how we can implement some of this! #macroSW |
| UBuffalo Social Work @UBSSW RT @graybill_holly: @causeisaidSOph @UBSSW Yeah! I'm extremely privileged that I haven't had to worry too much about about finances because I'm fortunate enough to have a family that is willing/able to help, but I know that's obviously not the case for everyone. #macrosw |
| UBuffalo Social Work @UBSSW RT @JaleenLeon: Mobile money is easy acess to manage your money on your smartphone or computers #macrosw |
| UBuffalo Social Work @UBSSW RT @ritter_molly: A2: A2: mobile money is great for clients with accessiblity needs. It helps clients deposit checks, transfer money, and even pay bills from their own home or wherever they may be. It also helps clients with limited transportation manage their funds. #macrosw |
| UBuffalo Social Work @UBSSW RT @VilleBananas: A2: A2: Prior to this chat, the only thing I knew about mobile money was the services of Venmo and Snapcash. Does Paypal count? I think bitcoin and cryptocurreny seem more appealing than mobile money though. #MacroSW |
| Adrienne White @ladywhite60 @OfficialMacroSW One of the challenges with low financial literacy and financial systems knowledge is generational poverty. These basic literacy skills are not taught in secondary education and often families are not equipped to provide basic financial literacy skills to their children. #MacroSW |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @UBSSW Thank you. This also raises the common sense point of why would one build a bank in an area where people have need of housing and basic resources. Brick and mortar banking requires a certain level of financial stability that many people have not yet acquired. #MacroSW |
 | Aesha @Aesha94278980 A1: Yes, there is a financial literacy in this country. Understanding money and how it works is a struggle. #MacroSW |
| UBuffalo Social Work @UBSSW RT @ivytona: "Attitude and self-efficacy are concepts that refer to a person’s positive or negative evaluation of the value of managing money proactively (attitude) and to their belief or confidence in their ability to actually do so (self-efficacy).” https://t.co/eVutA2YYkx #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: Ready for Q3? #MacroSW https://t.co/z6ENoRCQm0 |
| UBuffalo Social Work @UBSSW RT @CSanchezBSW: @graybill_holly @UBSSW You talk about insurance which is VERY important and necessary but when I thought of finance my mind went straight to food, housing, transportation. All of which are part of Maslow’s hierarchy of basic needs #MacroSW |
| Alexsis Murray @MurrayAlexsis @courtneyann2018 @Manarkustiro @UBSSW This is a great point! While smart phones are popular, a lot of individuals in the lower class can not afford them and it is not easily accessible for them to use this technology! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Ready for Q3? #MacroSW https://t.co/z6ENoRCQm0 |
| UBuffalo Social Work @UBSSW RT @shelby_frusetta: @rll004 @luciennejanelle @UBSSW @OfficialMacroSW So lost when it comes to technology #MacroSW |
| UBuffalo Social Work @UBSSW RT @abby_dawn6: @caleigh_ames @UBSSW Mobile money sounds like a great idea. Like you said your phone has as much power as your wallet but it’s also scary thinking about how easy someone could hack your information! #macrosw https://t.co/KQurzhd2Bt |
| Shand Kydd @Shand_Kydd @Igbydrood @abby_dawn6 @caleigh_ames @UBSSW true. just another thing to obsess over! LOL! #MacroSW |
| UBuffalo Social Work @UBSSW Q3 What are the pluses and minuses of having agents, as in Bangladesh? #MacroSW https://t.co/IFd50nXbix |
| Lucienne @luciennejanelle @JaleenLeon @CSanchezBSW @UBSSW its amazing I love it. I just used it the other day haha #MacroSW |
| UBuffalo Social Work @UBSSW RT @michell85883920: @ERL_SW @UBSSW Great way to describe it. Like paypal, apple ipay, good thought #macrosw |
| UBuffalo Social Work @UBSSW RT @Carolyn65641191: @graybill_holly @UBSSW I totally, totally agree! Masters degree and I still feel clueless. I can't imagine how I'd feel if I were from another country or didn't speak english. #macroSW |
| UBuffalo Social Work @UBSSW RT @JoshNice4: A2: A2: Mobile $ advertised as virtual road, more inclusive economic participation n development. Gives access to global community, receive assistance from anywhere. Convenient for consumers, small businesses, bc likely won’t require much infrastructure or tech setup.#macrosw |
| UBuffalo Social Work @UBSSW RT @MurrayAlexsis: Prior to today I had never heard this term before. However, I have been using mobile money for years. It is financial transactions connected to phones and other sources of technology. #macrosw |
| UBuffalo Social Work @UBSSW RT @OfficialMacroSW: @shelby_frusetta @rll004 @luciennejanelle @UBSSW You are both doing great! #MacroSW https://t.co/mdraJOyEAP |
| Kenedi Young @kenedi_young19 @Manarkustiro @causeisaidSOph @UBSSW Where and when is the workshop? #macrosw |
| UBuffalo Social Work @UBSSW RT @wirthadrienne: A2) My professor just discussed this last night. In Kenya it is called M-Pesa. It's difficult for me to imagine although many countries have been using mobile money for years. Due to technology there are some ways I already use it. Venmo/Paypal may be an example. #macrosw |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @UBSSW This seems to hold some promise. It also requires a level of access to technology. #MacroSW |
| UBuffalo Social Work @UBSSW RT @UBittic: @NadineShaanta Challenges such as literacy levels further complicates and can alienate certain users/populations. #macrosw |
| UBuffalo Social Work @UBSSW RT @ashley_kiss10: A2: A2: I'm not very familiar with mobile banking in Bangledesh, but find it very beneficial in the US. I studied abroad in Ecuador and there was such a challenge to use cash. It was available, but mainly in $20's and not small bills. #macroSW |
| Jessica Brown @nariah A3: One challenge is regulatory differences by institution. #MacroSW |
| UBuffalo Social Work @UBSSW RT @agingrights: @mizzpicklezz @UBSSW You put mobile $ in a light I didn't think of- we use it already! It's not some foreign thing to be nervous or curious about! #macroSW |
| Cary Sanchez @CSanchezBSW @johannajblack1 @UBSSW I’m glad you mentioned transfer apps such as Venmo I didn’t think of that being a resource for mobile money. I’ve used the app as a resource and it’s been very convenient #MacroSW |
| Lydia Weinstein @lydiaMSW @NadineShaanta I completely agree with you. If you understand what to do but don’t have the resources to do it, you are just as vulnerable as if you didn’t understand. #macrosw |
| 👑Adrienne Garr👑 @adriennecgarr @Ladywhite60 @OfficialMacroSW It's definitely a challenge to see financial literacy as important, if one is struggling to meet their basic needs on a day to day basis. #MacroSW |
| Ivonne J. Maldonado @ivytona "Financial literacy is understanding how a checking account works, what using a credit card really means, & how to avoid debt. Financial literacy impacts the daily isues an average family makes." Why isn't money management being taught in schools? https://t.co/Io1fuySDMK #MacroSW |
| #MacroSW Moderator @OfficialMacroSW @crittykins @NadineShaanta Building financial capability is a huge issue in the US and many other places: https://t.co/noS3SEhBhH #MacroSW |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings Q3 is live!!! #MacroSW https://t.co/Zi9L2gLT8J |
| Jessica Brown @nariah A3: According to this article, 99% of agents are men. https://t.co/9OLAyX8C8e #MacroSW |
| UBuffalo Social Work @UBSSW @filipeduarte81 ??? more please. #MacroSW |
| 👑Adrienne Garr👑 @adriennecgarr RT @Ladywhite60: @OfficialMacroSW One of the challenges with low financial literacy and financial systems knowledge is generational poverty. These basic literacy skills are not taught in secondary education and often families are not equipped to provide basic financial literacy skills to their children. #MacroSW |
| critty @crittykins @NadineShaanta I would think that a personal financial class is required and/or offered as an elective in most public schools. Am I wrong about this? I know that it was required during me and my children's K-12 experience. #macrosw #financialcapability |
| Rebecca Light @rll004 #A2: today I used mobile money to donate for @RelayForLife and @UDance !!!!!! #macroSW |
| UBuffalo Social Work @UBSSW RT @lydiaMSW: @AlexRidSW @johannajblack1 Same! I use my online banking all the time I did not realize that was referred to as mobile money. Online banking helps clients to see what they are spending as they spend, instead of getting a large bill they can’t pay. #macrosw |
| UBuffalo Social Work @UBSSW RT @JoshNice4: @filipeduarte81 Fresh air, @filipeduarte81 ! #MacroSW |
| UBuffalo Social Work @UBSSW RT @crittykins: @NadineShaanta I agree and am astounded at your data that 9 million households in the U.S. are unbanked. Does this apply mostly to our immigrant population and/or are average Americans included? #macrosw #financialcapability |
| Sarah Vidzicki @svidzicki A3 I am not too familiar, but my guess would be that it benefits a person by being an advocate and acting on the behalf of others. The minuses would be the risk that someone could take your money. #macrosw |
| Shand Kydd @Shand_Kydd A2. Convenience for the individual, that’s for sure; but it also keeps them blissfully ignorant as to the process of finances. Opioid of the Masses? #MacroSW |
| Social Worker @ERL_SW @UBSSW Q3. There are still the barriers of language and understanding what exactly the mobile money system does. For someone that does not understand this process it can take getting used to. #macrosw |
| Rebecca Light @rll004 RT @Shand_Kydd: Financial Literacy Education in the U.S. in schools is a lot like our Sex Education in schools...the little education you are taught on these subjects is a joke and often taboo. People fear looking at their bank statements more than walking down a dark alley! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Q3 What are the pluses and minuses of having agents, as in Bangladesh? #MacroSW https://t.co/IFd50nXbix |
| michelle becker @michell85883920 A3: Personally i am not familiar with Bengladash. but i would imagine having someone abroad would be beneficial for language purposes. #macrosw |
| Shaneea @Shaneea3 @rll004 I agree, providing clients with knowledge about financial literacy allows them to make informed decisions for themselves and combats vulnerabilty to scamming. #MacroSW |
| Kmarie228 @kmarie228 A3: A positive is that the banking agents can provide access to smooth and secure financial transactions in areas where people may not have access to more traditional forms of banking. These agents can help create more financial inclusion for underserved areas. #MacroSW |
| UBuffalo Social Work @UBSSW A2 I learned that accessing mobile money is only possible when there is a phone with a SIM card: https://t.co/vwua4prADO <Grand Challenge for #SocialWork: Harness #Technology for Social Good #Up4TheChallenge #macroSW |
| Margaret Murry @14MurryM @NadineShaanta I agree but financial literacy paves the way for access to services #macrosw |
| Shand Kydd @Shand_Kydd That should read A3 not A2 #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda @causeisaidSOph @UBSSW What would help you understand it better? #MacroSW |
| patiocake @patiocakey A3: Maybe mobile $ can be hard if one loses their phone, or gets hacked, or robbed? Losing data is something we all know of, but in terms of complete financial compromise, I don't know how this system works. #macroSW |
| 👑Adrienne Garr👑 @adriennecgarr @crittykins @NadineShaanta They don't teach financial literacy, at least not when I was in high school. #MacroSW |
| Johanna Black @johannajblack1 A3: i don't know anything about agents, but i'm assuming a + would be someone helping you manage your money. #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @spcummings: Q3 is live!!! #MacroSW https://t.co/Zi9L2gLT8J |
| critty @crittykins Yes, agreed, however, I am astounded that there are so Americans who are not financial capable. Where is this learned if not in families? At school? #macrosw #financialcapability https://t.co/n8ihHcBij3 |
| 👑Adrienne Garr👑 @adriennecgarr @Manarkustiro @kenedi_young19 @causeisaidSOph @UBSSW #MacroSW https://t.co/HnV7R3nj4N |
| Aesha @Aesha94278980 A2: I just learned about mobile money yesterday and still trying to understand it. But what I gathered is that mobile money used in place of cash money for any type of purchase #MacroSW |
| UBuffalo Social Work @UBSSW A3 In the US, there are payday loan operations that can charge over 700% interest on a short-term loans - but his is not the same as the agents in #Bangladesh. @NadineShaanta are the agents there exploitative? https://t.co/5SRKIbw3bB #MacroSW |
| Molly Ritter @ritter_molly @lydiaMSW @NadineShaanta #macrosw |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @spcummings @UBSSW It definitely deserves further study as it exhibits out of the box thinking that is much in line with social work values. #MacroSW |
| Abby Squicciarini @abby_dawn6 @kmarie228 I completely agree with you! These agents can be beneficially but there are also regulatory differences that impact the relationship #macrosw |
| UBuffalo Social Work @UBSSW RT @luciennejanelle: @CSanchezBSW @UBSSW That is what I was thinking too. I use my online bank to pay bills and transfer money to my savings account. I also use the Venmo app because it allows you to send a bill to someone who owes you money and it is connected to your bank account. #MacroSW |
 | Savannah Figueroa @Sfiguero7 @UBSSW #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: A2 I learned that accessing mobile money is only possible when there is a phone with a SIM card: A2 I learned that accessing mobile money is only possible when there is a phone with a SIM card: https://t.co/vwua4prADO <Grand Challenge for #SocialWork: Harness #Technology for Social Good #Up4TheChallenge #macroSW |
| UBuffalo Social Work @UBSSW RT @caleigh_ames: @abby_dawn6 @UBSSW Oh absolutely! I used applepay for about a month before turning it off. You never know what can go wrong through technology #MacroSW |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: @abby_dawn6 @caleigh_ames @UBSSW I was thinking that too. About hacking and what if you lose your phone or it gets stolen? #MacroSW |
| UBuffalo Social Work @UBSSW RT @karenzgoda: @filipeduarte81 We're the cool mom of #socialwork chats. #MacroSW https://t.co/BwQHVpAOTU https://t.co/aCsE8sLHnj |
| Praxis Podcast @PraxisPod A3 Agents can be community based and engage frequently with members. There are opportunities and threats here. Social workers can play a role in ensuring agents are beneficial. #MacroSW |
| UBuffalo Social Work @UBSSW RT @courtneyann2018: @Manarkustiro @UBSSW It is my understanding that you do not need a smart phone to use mobile money. You just need to have a cell phone. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @mizzpicklezz: @Manarkustiro @kenedi_young19 @causeisaidSOph @UBSSW #MacroSW https://t.co/HnV7R3nj4N |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @NadineShaanta @UBSSW It would seem easy to supply people with phones. However, in many countries this would require the establishment of a cell tower infrastructure. It might be a worth-while investment. #MacroSW |
| Alex Ridley @AlexRidSW Q3: I’m not sure what agents would be referring to..i’ll be reading tweets to learn once again #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @Aesha94278980: A2: A2: I just learned about mobile money yesterday and still trying to understand it. But what I gathered is that mobile money used in place of cash money for any type of purchase #MacroSW |
| UBuffalo Social Work @UBSSW RT @mizzpicklezz: @Manarkustiro @kenedi_young19 @causeisaidSOph @UBSSW #MacroSW https://t.co/HnV7R3nj4N |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: A3 In the US, there are payday loan operations that can charge over 700% interest on a short-term loans - but his is not the same as the agents in #Bangladesh. @NadineShaanta are the agents there exploitative? https://t.co/5SRKIbw3bB #MacroSW |
| Jessica Brown @nariah @NadineShaanta so if I'm understanding these are people in the community that can be a conduit to financial institutions. Like, your neighbor is a bank? #MacroSW |
| 👑Adrienne Garr👑 @adriennecgarr @NadineShaanta I can see how the agents would unintentionally become an additional barrier😧. #MacroSW |
| UBuffalo Social Work @UBSSW RT @Ladywhite60: @OfficialMacroSW One of the challenges with low financial literacy and financial systems knowledge is generational poverty. These basic literacy skills are not taught in secondary education and often families are not equipped to provide basic financial literacy skills to their children. #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW This is very interesting and it seems Bangladesh is working a program that is helping its citizens. #MacroSW |
| Kayla @klteeples7911 @UBSSW @OfficialMacroSW A3. There are still barriers in place and lack of understanding. It makes it difficult for some individuals #MacroSW |
| UBuffalo Social Work @UBSSW RT @klteeples7911: @UBSSW @OfficialMacroSW A3. There are still barriers in place and lack of understanding. It makes it difficult for some individuals #MacroSW |
| UBuffalo Social Work @UBSSW RT @nariah: A3: A3: One challenge is regulatory differences by institution. #MacroSW |
| Shaneea @Shaneea3 @CSanchezBSW @UBSSW We should address the issue of financial literacy here in the United States. #MacroSW |
| UBuffalo Social Work @UBSSW RT @ivytona: "Financial literacy is understanding how a checking account works, what using a credit card really means, & how to avoid debt. Financial literacy impacts the daily isues an average family makes." Why isn't money management being taught in schools? https://t.co/Io1fuySDMK #MacroSW |
| UBuffalo Social Work @UBSSW RT @OfficialMacroSW: @crittykins @NadineShaanta Building financial capability is a huge issue in the US and many other places: @crittykins @NadineShaanta Building financial capability is a huge issue in the US and many other places: https://t.co/noS3SEhBhH #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda 👇🏻👇🏻👇🏻 #MacroSW https://t.co/xssNyYYfPq |
| UBuffalo Social Work @UBSSW RT @spcummings: Q3 is live!!! #MacroSW https://t.co/Zi9L2gLT8J |
| H. ONeill @HONeill15 A3: having an individual help to explain finances and put people in the best possible financial place is a big plus. But it has to be about educating the clients to make wise financial decisions. #macrosw |
| UBuffalo Social Work @UBSSW RT @nariah: A3: A3: According to this article, 99% of agents are men. https://t.co/9OLAyX8C8e #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @OfficialMacroSW: @crittykins @NadineShaanta Building financial capability is a huge issue in the US and many other places: @crittykins @NadineShaanta Building financial capability is a huge issue in the US and many other places: https://t.co/noS3SEhBhH #MacroSW |
| UBuffalo Social Work @UBSSW RT @crittykins: @NadineShaanta I would think that a personal financial class is required and/or offered as an elective in most public schools. Am I wrong about this? I know that it was required during me and my children's K-12 experience. #macrosw #financialcapability |
| David McCollum @VilleBananas Is an agent like a CPA? #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @ivytona: "Financial literacy is understanding how a checking account works, what using a credit card really means, & how to avoid debt. Financial literacy impacts the daily isues an average family makes." Why isn't money management being taught in schools? https://t.co/Io1fuySDMK #MacroSW |
| UBuffalo Social Work @UBSSW RT @rll004: #A2: #A2: today I used mobile money to donate for @RelayForLife and @UDance !!!!!! #macroSW |
| UBuffalo Social Work @UBSSW RT @SVidzicki: A3 I am not too familiar, but my guess would be that it benefits a person by being an advocate and acting on the behalf of others. The minuses would be the risk that someone could take your money. #macrosw |
| Rebecca Light @rll004 RT @nariah: A3: A3: According to this article, 99% of agents are men. https://t.co/9OLAyX8C8e #MacroSW |
| holly graybill @graybill_holly @causeisaidSOph @UBSSW A3 Wait. @causeisaidSOph I'm the same way. I don't even know what this question means. Looking forward to learning from others' insights! #sos #macrosw |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: A2. Convenience for the individual, that’s for sure; but it also keeps them blissfully ignorant as to the process of finances. Opioid of the Masses? #MacroSW |
| UBuffalo Social Work @UBSSW RT @ERL_SW: @UBSSW Q3. There are still the barriers of language and understanding what exactly the mobile money system does. For someone that does not understand this process it can take getting used to. #macrosw |
| michelle becker @michell85883920 @nariah @UBSSW That's very interesting, i would have not guessed this #macrosw |
| Alex Ridley @AlexRidSW @PraxisPod A3 so are agents something separate from mobile money? #MacroSW |
| UBuffalo Social Work @UBSSW RT @michell85883920: A3: A3: Personally i am not familiar with Bengladash. but i would imagine having someone abroad would be beneficial for language purposes. #macrosw |
| Lucienne @luciennejanelle @mhennigan17 @OfficialMacroSW Great thought! It makes sense and those who have more money will most likely have more access and knowledge for support and will even be able to have mobile money and apps on their phone. Having money definitely gives them an advantage. #MacroSW |
| Carrie Corrao @cacorrao @UBSSW Q3 #MacroSW making sure women can use a phone for banking can be a rough start, but the plus is that then they will have more independence in general. The benefits is that the women will be able to manage their own money and have a sense of empowerment. Classes would help. |
| UBuffalo Social Work @UBSSW RT @kmarie228: A3: A3: A positive is that the banking agents can provide access to smooth and secure financial transactions in areas where people may not have access to more traditional forms of banking. These agents can help create more financial inclusion for underserved areas. #MacroSW |
| Praxis Podcast @PraxisPod A3 Agents are embedded in a system that perpetuates inequality. Agents will discriminate and behave in other ways that maintains the system, that's why social workers need to be aware of the agents and the larger system #MacroSW |
| Shaneea @Shaneea3 A3: Using technology pertaining to personal finances is a risk that people take daily, however in underdeveloped countries it is imperative that consumer protection and regulations are put in place to protect identity and income. #MacroSW |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: That should read A3 not A2 #MacroSW |
| Alexsis Murray @MurrayAlexsis A3: Some of the positive things include how it is cost effective and reaches a wider variety of people, including people in rural areas that banks may not reach. #macrosw |
| Shelby Frusetta @shelby_frusetta A3: having access to help from and agent who can troubleshoot if something goes awry, lack of trust with technology and agents #MacroSW |
| Savannah Figueroa @Sfiguero7 @UBSSW A2: Mobile Money is money that can be moved around. This involves online apps that are made by bank accounts. But can mobile money be included with Bitcoin? #MacroSW |
| UBuffalo Social Work @UBSSW RT @karenzgoda: @causeisaidSOph @UBSSW What would help you understand it better? #MacroSW |
| Kayla @klteeples7911 @tess_vicik @UBSSW I think that it is positive in regards to the families that lack transportation, as this takes away that barrier. I think that is a huge positive #MacroSW |
| UBuffalo Social Work @UBSSW RT @agingrights: A3: A3: Maybe mobile $ can be hard if one loses their phone, or gets hacked, or robbed? Losing data is something we all know of, but in terms of complete financial compromise, I don't know how this system works. #macroSW |
| UBuffalo Social Work @UBSSW RT @johannajblack1: A3: A3: i don't know anything about agents, but i'm assuming a + would be someone helping you manage your money. #MacroSW |
| UBuffalo Social Work @UBSSW RT @Aesha94278980: A2: A2: I just learned about mobile money yesterday and still trying to understand it. But what I gathered is that mobile money used in place of cash money for any type of purchase #MacroSW |
 | Wanja @Wanjaonly @OfficialMacroSW I haven't witnessed barriers with M-Pesa in Kenya, It's made banking pretty accessible for everyone. It's been in place since 2007 #MacroSW |
| Shand Kydd @Shand_Kydd @kelmiller22 good question! #MacroSW |
| UBuffalo Social Work @UBSSW And next in line: Q4 ! #MacroSW https://t.co/57H2XFDHij |
| WorkerSocialRadical @joshdnice @mizzpicklezz @Ladywhite60 @OfficialMacroSW I can related to that type of sentiment though. Been poor almost whole adult life, student or not. Hard to believe it is bc I do not know how to manage $25 I in my account more than it is being overworked in a position without living wage like most working Americans. #MacroSW |
| UBuffalo Social Work @UBSSW Q4 What are some unintended consequences of using mobile money systems? #MacroSW https://t.co/Y2COr8I6ow |
| critty @crittykins @mizzpicklezz @NadineShaanta I learned personal finance in school and was fortunate to learn about it from my parents. So if its not taught in the home, where can it be acquired? CareerLink offers free workshops on how to obtain employment, I would think they would teach how to manage money. #macrosw |
| Institute on Trauma and Trauma-Informed Care @UBittic @UBSSW A3: Through "Know your Customer" methods/collaboration, agents can work to help break down barriers and enable access to more hard to reach clients and/or clients with skill deficits. #macrosw https://t.co/4K0PWJysqX |
| Carrie Corrao @cacorrao @mhennigan17 @OfficialMacroSW #Macrosw I think this will be the biggest barrier- teaching how to use a cell phone in general. Do we start with the phone part or the banking part? How can we make the process easy and desirable. Lots of questions for this part. |
| jerryfarnett @jerryfarnett @UBSSW @NadineShaanta However, as social workers this is where we would advocate, educate and organize. #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda @filipeduarte81 @SenSanders You speak to my socialist ❤ #MacroSW https://t.co/OPgBgp65bt |
| Heather Mabry-Kourt @KourtMabry @kelmiller22 That is a really great question! I am curious as well now. #MacroSW |
| UBuffalo Social Work @UBSSW RT @abby_dawn6: @kmarie228 I completely agree with you! These agents can be beneficially but there are also regulatory differences that impact the relationship #macrosw |
| Jessica Brown @nariah A4: Fraud. https://t.co/iKZuEzEiwt #MacroSW |
| 👑Adrienne Garr👑 @adriennecgarr RT @Wanjaonly: @OfficialMacroSW I haven't witnessed barriers with M-Pesa in Kenya, It's made banking pretty accessible for everyone. It's been in place since 2007 #MacroSW |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings Q4 is live!!! #MacroSW https://t.co/PwIi8okRRP |
| holly graybill @graybill_holly @kmarie228 This helps my understand agents a lot more...thanks for the response! To your knowledge, has there been abuse of power here? #macrosw |
| Danay Hershey @HersheyD47 A3: The first thing that comes to mind with this is because it is technology there will be issues. There's no question about it. There may be glitches in systems or problems with the phone itself. Additionally, there may be people who hack in making it challenging #MacroSW |
| UBuffalo Social Work @UBSSW RT @AlexRidSW: Q3: Q3: I’m not sure what agents would be referring to..i’ll be reading tweets to learn once again #MacroSW |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @UBSSW This is very interesting and it seems Bangladesh is working a program that is helping its citizens. #MacroSW |
| michelle becker @michell85883920 A4: some intended consuences could be fraud, or scams. The money could potentially not send, or accidentally send to the wrong perosn. And the money could always bounce as well #macrosw |
| UBuffalo Social Work @UBSSW RT @Shaneea3: @CSanchezBSW @UBSSW We should address the issue of financial literacy here in the United States. #MacroSW |
| UBuffalo Social Work @UBSSW RT @karenzgoda: 👇🏻👇🏻👇🏻 #MacroSW https://t.co/xssNyYYfPq |
| UBuffalo Social Work @UBSSW RT @HONeill15: A3: A3: having an individual help to explain finances and put people in the best possible financial place is a big plus. But it has to be about educating the clients to make wise financial decisions. #macrosw |
| Shelby Frusetta @shelby_frusetta Lack of human contact (maybe?) decreasing labor and therefore jobs #MacroSW |
| UBuffalo Social Work @UBSSW RT @VilleBananas: Is an agent like a CPA? #MacroSW |
| Shaneea @Shaneea3 @johannajblack1 I'm not familiar with agents myself, but it seems like having an agent assist clients with managing their money may be helpful. #MacroSW |
| Social Worker @ERL_SW @UBSSW Having someone hack the mobile device is definitely a problem. Accidentally paying for things can also happen sometimes with a click of the button #macrosw |
| Wanja @Wanjaonly @UBSSW @OfficialMacroSW @NadineShaanta I wonder whether this works differently in Bangladesh- my experience with MPesa in Kenya is that the phone company sets a low sending/withdrawal fee #UBSSW #MacroSW |
| Savannah Figueroa @Sfiguero7 @UBSSW A3: Having agents can help build your money and can expand your accounts. However, agents might be really expensive. #macrosw |
| Danay Hershey @HersheyD47 A4: The first thing that comes to mind is because it is technology there will be issues. There's no question about it. There may be glitches in systems or problems with the phone itself. Additionally, there will be people who try to hack in making it challenging. #MacroSW |
| Sarah Vidzicki @svidzicki A4 Pressure to adapt to constantly changing technologies and misuse of funds (overspending) as you do not realize how much you spent. #MacroSW |
| UBuffalo Social Work @UBSSW RT @PraxisPod: A3 Agents are embedded in a system that perpetuates inequality. Agents will discriminate and behave in other ways that maintains the system, that's why social workers need to be aware of the agents and the larger system #MacroSW |
| UBuffalo Social Work @UBSSW RT @MurrayAlexsis: A3: A3: Some of the positive things include how it is cost effective and reaches a wider variety of people, including people in rural areas that banks may not reach. #macrosw |
| holly graybill @graybill_holly @UBSSW A4 I feel like it may create divisions. Some people are unable to access mobile money systems and they may be perceived as "less than." #macrosw |
| Jaleen Leon @JaleenLeon A3 Increase in criminal activity. Although most financial insititutions have saftey measures in place to prevent hacks this is something that happens frequently #macrosw |
| UBuffalo Social Work @UBSSW RT @Wanjaonly: @OfficialMacroSW I haven't witnessed barriers with M-Pesa in Kenya, It's made banking pretty accessible for everyone. It's been in place since 2007 #MacroSW |
| Shand Kydd @Shand_Kydd A4: This is replete with potential pitfalls connected with online/phone money scams. This also reminds me of the check cashing places/scams aimed at lower-income individuals in the U.S.; sitting ducks for predators. #MacroSW |
| UBuffalo Social Work @UBSSW RT @karenzgoda: @filipeduarte81 @SenSanders You speak to my socialist ❤ #MacroSW https://t.co/OPgBgp65bt |
| Nick @nick_molina @UBSSW #MacroSW a plus is, like in Bangladesh, is having government incentives to use DFS. The downside is the time it would take to get everyone on board with using mobile money. I mean, there are people who still use cash instead of using direct deposit. Hope I answered this correct. |
| UBuffalo Social Work @UBSSW RT @UBittic: @UBSSW A3: @UBSSW A3: Through "Know your Customer" methods/collaboration, agents can work to help break down barriers and enable access to more hard to reach clients and/or clients with skill deficits. #macrosw https://t.co/4K0PWJysqX |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda Students with additional questions, be sure to check out @NadineShaanta's tweets! #MacroSW https://t.co/6LBw8dIrms |
| Ashley Kissinger @ashley_kiss10 A4: We are more wise in our spending when using/exchanging actual dollars. If everything is electronic, it's much easier to spend. I definitely see the benefits of an all electronic system, but also know I am better financially when only using cash. #macroSW |
| 𝗦𝘁𝗲𝗽𝗵𝗲𝗻 𝗖𝘂𝗺𝗺𝗶𝗻𝗴𝘀 @spcummings A4: Using mobile money systems makes hacking into your account just a little bit easier, if security steps aren't taken routinely #MacroSW |
| Jessica Brown @nariah @Sfiguero7 are they expensive? I've been wondering. #MacroSW |
| UBuffalo Social Work @UBSSW RT @nariah: A4: A4: Fraud. https://t.co/iKZuEzEiwt #MacroSW |
| Heather Mabry-Kourt @KourtMabry @UBSSW A4: Mobile money might eliminate the need to carry cash or write a check; however, a person still needs to know basic financial skills/education. #MacroSW |
| UBuffalo Social Work @UBSSW RT @spcummings: Q4 is live!!! #MacroSW https://t.co/PwIi8okRRP |
| Kmarie228 @kmarie228 A4: Security is always an issue. Mobile banking is in some ways safer than computer-based banking. However, mobile banking still has risk with scams like when users receive fake banking text messages prompting the user to provide account info.... #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @spcummings: Q4 is live!!! #MacroSW https://t.co/PwIi8okRRP |
| Katelyn @Katelyn04791497 4-Scams, fraud, and lack of trust because the majority of us do not physically carry money on us #MacroSW |
| WorkerSocialRadical @joshdnice A4:Phone doesn't mean piggy bank comes w/it. One can't start building capital and credit suddenly. Also likely to be gaps between rich and poor access and use, esp when certain cultures phones are not financial but social tools. Can reduce human interaction drastically. #macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @karenzgoda: Students with additional questions, be sure to check out @NadineShaanta's tweets! #MacroSW https://t.co/6LBw8dIrms |
| UBuffalo Social Work @UBSSW RT @michell85883920: A4: A4: some intended consuences could be fraud, or scams. The money could potentially not send, or accidentally send to the wrong perosn. And the money could always bounce as well #macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @spcummings: Q4 is live!!! #MacroSW https://t.co/PwIi8okRRP |
| Carolyn Wolf @Carolyn65641191 @UBSSW As someone working in gerontology, it leaves a lot more chance and risk for financial abuse and exploitation of seniors #macroSW |
| Praxis Podcast @PraxisPod Absolutely, and people who use mobile money might not be able to access some places or systems that are cash only #macroSW https://t.co/OSfHcM4Hgm |
| Cary Sanchez @CSanchezBSW @UBSSW A4: Diminish of value, for some it can be a lack of accountability if one has physical it can be tangible #MacroSW |
| michelle becker @michell85883920 @Manarkustiro @UBSSW That's a really good question, i am sure there are plenty of barriers especially with communiation #macrosw |
| UBuffalo Social Work @UBSSW RT @shelby_frusetta: Lack of human contact (maybe?) decreasing labor and therefore jobs #MacroSW |
| Rebecca Light @rll004 @MurrayAlexsis Very strengths based!! I like it!! #macroSW |
| UBuffalo Social Work @UBSSW RT @Wanjaonly: @UBSSW @OfficialMacroSW @NadineShaanta I wonder whether this works differently in Bangladesh- my experience with MPesa in Kenya is that the phone company sets a low sending/withdrawal fee #UBSSW #MacroSW |
| Alexsis Murray @MurrayAlexsis @SVidzicki you make a great point! if we change to everyone using these systems, the technology to support it would need to reach everyone. #macroSW |
| #MacroSW Moderator @OfficialMacroSW 👇👇👇 #MacroSW https://t.co/orodxx3zP5 |
| UBuffalo Social Work @UBSSW RT @HersheyD47: A4: A4: The first thing that comes to mind is because it is technology there will be issues. There's no question about it. There may be glitches in systems or problems with the phone itself. Additionally, there will be people who try to hack in making it challenging. #MacroSW |
| critty @crittykins @OfficialMacroSW @NadineShaanta Thank you for that, "almost half Americans are financially insecure," wow, that amazes me. I learned about personal finances/credit in school, at home, and in my church youth group. I'm curious to know how mobile money counterbalances. #macrosw #financialcapability |
| UBuffalo Social Work @UBSSW RT @SVidzicki: A4 Pressure to adapt to constantly changing technologies and misuse of funds (overspending) as you do not realize how much you spent. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @Wanjaonly: @UBSSW @OfficialMacroSW @NadineShaanta I wonder whether this works differently in Bangladesh- my experience with MPesa in Kenya is that the phone company sets a low sending/withdrawal fee #UBSSW #MacroSW |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: A4: A4: This is replete with potential pitfalls connected with online/phone money scams. This also reminds me of the check cashing places/scams aimed at lower-income individuals in the U.S.; sitting ducks for predators. #MacroSW |
| UBuffalo Social Work @UBSSW RT @nick_molina: @UBSSW #MacroSW a plus is, like in Bangladesh, is having government incentives to use DFS. The downside is the time it would take to get everyone on board with using mobile money. I mean, there are people who still use cash instead of using direct deposit. Hope I answered this correct. |
| Kmarie228 @kmarie228 A4: For some people, mobile banking may be costly as certain financial institutions require a fee to utilize their online banking apps. The users must also pay for the data and text message charges depending on the type of phone plan they have. #MacroSW |
| UBuffalo Social Work @UBSSW RT @karenzgoda: Students with additional questions, be sure to check out @NadineShaanta's tweets! #MacroSW https://t.co/6LBw8dIrms |
| #MacroSW Moderator @OfficialMacroSW RT @JoshNice4: @mizzpicklezz @Ladywhite60 @OfficialMacroSW I can related to that type of sentiment though. Been poor almost whole adult life, student or not. Hard to believe it is bc I do not know how to manage $25 I in my account more than it is being overworked in a position without living wage like most working Americans. #MacroSW |
| UBuffalo Social Work @UBSSW RT @spcummings: A4: A4: Using mobile money systems makes hacking into your account just a little bit easier, if security steps aren't taken routinely #MacroSW |
| Cary Sanchez @CSanchezBSW @michell85883920 @UBSSW Fraud! Yes we’ve seen that a lot. Although, now I have seen apps have Touch ID and passcodes for security purposes #MacroSW |
| Heather Mabry-Kourt @KourtMabry @UBSSW A4: Mobile money may be convenient; however, it might lead to less financial proficiency. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @crittykins: @OfficialMacroSW @NadineShaanta Thank you for that, "almost half Americans are financially insecure," wow, that amazes me. I learned about personal finances/credit in school, at home, and in my church youth group. I'm curious to know how mobile money counterbalances. #macrosw #financialcapability |
| Lydia Weinstein @lydiaMSW @UBSSW I feel like vulnerable clients can get their identity stolen. #macrosw |
| UBuffalo Social Work @UBSSW RT @JoshNice4: A4:Phone doesn't mean piggy bank comes w/it. One can't start building capital and credit suddenly. Also likely to be gaps between rich and poor access and use, esp when certain cultures phones are not financial but social tools. Can reduce human interaction drastically. #macrosw |
| Adrienne White @ladywhite60 A3: The benefits are financial inclusion, safety (no cash on hand), accessibility. The minuses are digital financial literacy, understanding that funds are safe and fees associated with the service. #MacroSW |
 | Eric Vanderburg @evanderburg RT @spcummings: A4: A4: Using mobile money systems makes hacking into your account just a little bit easier, if security steps aren't taken routinely #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW On the plus side is the education in technology which would carry over to other forms of technology---at least it might make technology seem less intimidating. On the other side is the issue of hacking. #MacroSW |
| UBuffalo Social Work @UBSSW RT @PraxisPod: Absolutely, and people who use mobile money might not be able to access some places or systems that are cash only #macroSW https://t.co/OSfHcM4Hgm |
| Caleigh Ames @caleigh_ames @UBSSW A4: As many have mentioned, you are putting your trust into a system you don’t have complete control over. As technology grows, so does the amount of people trying to manipulate it. Mobile money is convenient, yes... but convenient doesn’t alway mean safe. #MacroSW |
| UBuffalo Social Work @UBSSW RT @OfficialMacroSW: 👇👇👇 #MacroSW https://t.co/orodxx3zP5 |
| Institute on Trauma and Trauma-Informed Care @UBittic A4: Not all are able to use mobile money, as not all have access to cell phones and/or the literacy to engage with MM, therefore alienating groups of people. #macrosw https://t.co/3qPPd6UUgc |
| UBuffalo Social Work @UBSSW RT @kmarie228: A4: A4: For some people, mobile banking may be costly as certain financial institutions require a fee to utilize their online banking apps. The users must also pay for the data and text message charges depending on the type of phone plan they have. #MacroSW |
| Lucienne @luciennejanelle @UBSSW I am always afraid of fraud and someone hacking into my account. #MacroSW |
| Kayla @klteeples7911 @UBSSW A4. I think the biggest possible consequence is someone hacking into your account, and in turn, you lose all of your money. It also lends for financial abuse of elderly #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @kmarie228: A4: A4: For some people, mobile banking may be costly as certain financial institutions require a fee to utilize their online banking apps. The users must also pay for the data and text message charges depending on the type of phone plan they have. #MacroSW |
| UBuffalo Social Work @UBSSW RT @Ladywhite60: A3: A3: The benefits are financial inclusion, safety (no cash on hand), accessibility. The minuses are digital financial literacy, understanding that funds are safe and fees associated with the service. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @PraxisPod: Absolutely, and people who use mobile money might not be able to access some places or systems that are cash only #macroSW https://t.co/OSfHcM4Hgm |
| Alex Ridley @AlexRidSW Q4: Besides potential security problems, another big issue is the fact that it is mobile and all technology based. Systems always crash, get hacked, plus a lot of other problems because of technology #MacroSW |
| holly graybill @graybill_holly @Shand_Kydd I agree; mobile money is getting to be very popular and scammers are going to adapt and find a way to intercept/steal money. #macrosw |
| UBuffalo Social Work @UBSSW RT @caleigh_ames: @UBSSW A4: @UBSSW A4: As many have mentioned, you are putting your trust into a system you don’t have complete control over. As technology grows, so does the amount of people trying to manipulate it. Mobile money is convenient, yes... but convenient doesn’t alway mean safe. #MacroSW |
| UBuffalo Social Work @UBSSW RT @UBittic: A4: A4: Not all are able to use mobile money, as not all have access to cell phones and/or the literacy to engage with MM, therefore alienating groups of people. #macrosw https://t.co/3qPPd6UUgc |
| Lucienne @luciennejanelle @KourtMabry @UBSSW That is a great point. People now and days do not even know how to do checks and balances. #MacroSW |
 | Jonathan Singer 🎙️ @socworkpodcast RT @UBSSW: Q1 What are the challenges with low financial literacy levels and financial systems knowledge? Do we have this problem in the US? #MacroSW https://t.co/VTS2v8kKX6 |
| UBuffalo Social Work @UBSSW RT @AlexRidSW: Q4: Q4: Besides potential security problems, another big issue is the fact that it is mobile and all technology based. Systems always crash, get hacked, plus a lot of other problems because of technology #MacroSW |
| jerryfarnett @jerryfarnett @spcummings @UBSSW There are positives and negatives to any idea. This holds great promise and the kinks can be worked out along the way. #MacroSW |
| David McCollum @VilleBananas I don't know the logistics of how mobile money works? Does it work like blockchain and have some type of ledger? If not, I would imagine there are some security issues. #MacroSW |
| UBuffalo Social Work @UBSSW RT @VilleBananas: I don't know the logistics of how mobile money works? Does it work like blockchain and have some type of ledger? If not, I would imagine there are some security issues. #MacroSW |
| patiocake @patiocakey A4 You know, using a cell or mobile money may not be as much of a hardship as some are saying. It took some of us one week to master this whole #macroSW thing! Don't downgrade capabilities! |
| Vilissa Thompson @VilissaThompson Not that familiar with this area, but learning so much from the discussion. #MacroSW https://t.co/YfLQ2pZZU9 |
| Wanja @Wanjaonly @OfficialMacroSW Q4 sometimes countries may place limits on the amount of money one can have/hold in their mobile account. #MacroSW |
| Shand Kydd @Shand_Kydd @caleigh_ames @UBSSW exceptional point about putting your trust in a system you don't have complete control over. can i add we also don't have a full understanding of the system itself. #MacroSW |
| WorkerSocialRadical @joshdnice Since 2008, WellsFargo: mortgage-backed securities scams, $laundering, rigging municipal bonds, manipulating subprime mortgage loans b4 housing boom n foreclosure abuses after, violating Americans w Disabilities Act, patterns of discrimination against POC...(TBC) #MacroSW |
| WorkerSocialRadical @joshdnice (Continued WellsFargo) defrauding veterans, overcharging hundreds of thousands of homeowners and, most recently creating 3.5M bogus accounts to increase stocks and cheat customer. Disappointed to see Wells link on pre-chat links. Part of the problem. #MacroSW |
| Social Worker @ERL_SW @caleigh_ames @UBSSW You are absolutely right. It can be a great and convenient thing sometimes, but there are definitely flaws to it as well #macrosw |
| Kmarie228 @kmarie228 I can't even count how many times my relatives have called or messaged me asking why they got a text message from 'the bank' asking them to confirm their account info.... #MacroSW |
| UBuffalo Social Work @UBSSW Q5 will arrive shortly. Only 10 minutes left! Plesae note we will answer questions (many are around the agents in Bangladesh) after the chat - tomorrow, responding to you directly. #MacroSW https://t.co/pWtvmzBFxa |
| UBuffalo Social Work @UBSSW Q5 What are ways that social workers can help increase financial capability here in the US? In developing countries? #MacroSW https://t.co/pTwTcmhYcr |
| jerryfarnett @jerryfarnett @UBSSW This is an effort to eradicate poverty. This is something that must be tried and assessed. All efforts must be attempted and evaluated. There is so much poverty and inequity in the world.We must be bold. #MacroSW |
| Shand Kydd @Shand_Kydd @SamanthaWeiric2 good point mentioning the transfer fee! #MacroSW |
| critty @crittykins @Jwat1207 Yes, I am astounded at the number of those who did not learn financial capability in the US. It seems as if it would be a basic life skill, but I have encountered folks who not have learned basic life skills. #macrosw #financialcapability |
| Courtney @courtneyann2018 @UBSSW People spending more money and not paying attention to their finances, causing financial problems. #MacroSW |
| UBuffalo Social Work @UBSSW RT @UBSSW: Q4 What are some unintended consequences of using mobile money systems? #MacroSW https://t.co/Y2COr8I6ow |
| Alex Ridley @AlexRidSW @kmarie228 Q4: I think this is a really interesting point. There could be those great hidden fees involved #MacroSW |
| UBuffalo Social Work @UBSSW RT @graybill_holly: @kmarie228 This helps my understand agents a lot more...thanks for the response! To your knowledge, has there been abuse of power here? #macrosw |
| Social Worker @ERL_SW @UBSSW Q5. Pointing individuals in the direction of Financial Capability and Asset Building programs to help them to better understand and manage their finances. #macrosw |
| Jessica Brown @nariah A5: In Ithaca, NY we have @AlternativesFCU with a mission of building wealth with the unbanked. Free credit union accounts in schools, IDAs, financial literacy classes, etc to reach every person regardless of wealth. https://t.co/6xc4Z9uqbn #MacroSW |
| holly graybill @graybill_holly @UBSSW A5 Advocate for policy change to have financial literacy taught in school! Make it a requirement in high school as well as a gen ed in college. #macrosw |
| #MacroSW Moderator @OfficialMacroSW We have less than 10 minutes to go! #MacroSW https://t.co/S36RqegYOK |
| jerryfarnett @jerryfarnett @UBSSW We can educate on this process. May people live lives of blissful denial. We must help wake the world up. #MacroSW |
 | Smita🇮🇳 @DikshitSmita RT @spcummings: A4: A4: Using mobile money systems makes hacking into your account just a little bit easier, if security steps aren't taken routinely #MacroSW |
| UBuffalo Social Work @UBSSW RT @OfficialMacroSW: We have less than 10 minutes to go! #MacroSW https://t.co/S36RqegYOK |
| Caleigh Ames @caleigh_ames @UBSSW A5: I think our first step is becoming finically literate ourselves. Then we can better educate our clients and help them make informed decisions. #MacroSW |
| Sunya Folayan @SunyaFolayan RT @caleigh_ames: @UBSSW A4: @UBSSW A4: As many have mentioned, you are putting your trust into a system you don’t have complete control over. As technology grows, so does the amount of people trying to manipulate it. Mobile money is convenient, yes... but convenient doesn’t alway mean safe. #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW Once we have society's attention we can advocate for this system and organize like minds around the cause. #MacroSW |
| UBuffalo Social Work @UBSSW RT @VilissaThompson: Not that familiar with this area, but learning so much from the discussion. #MacroSW https://t.co/YfLQ2pZZU9 |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @OfficialMacroSW: We have less than 10 minutes to go! #MacroSW https://t.co/S36RqegYOK |
| UBuffalo Social Work @UBSSW RT @agingrights: A4 You know, using a cell or mobile money may not be as much of a hardship as some are saying. It took some of us one week to master this whole #macroSW thing! Don't downgrade capabilities! |
| Alex Ridley @AlexRidSW Q5: EDUCATION & research. Education for ourselves first so we can competently educate our clients #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: Q5 What are ways that social workers can help increase financial capability here in the US? In developing countries? #MacroSW https://t.co/pTwTcmhYcr |
| UBuffalo Social Work @UBSSW RT @Wanjaonly: @OfficialMacroSW Q4 sometimes countries may place limits on the amount of money one can have/hold in their mobile account. #MacroSW |
| Institute on Trauma and Trauma-Informed Care @UBittic @UBSSW A5: Social workers can help by developing programs and policies in financial/economic well being. #macrosw https://t.co/WWib5WfBp9 |
| Courtney @courtneyann2018 @Carolyn65641191 @UBSSW I did not even think about this population. It would seem that if this was universal with mobile money that people could target this vulnerable population. #macrosw |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: Q5 will arrive shortly. Only 10 minutes left! Plesae note we will answer questions (many are around the agents in Bangladesh) after the chat - tomorrow, responding to you directly. #MacroSW https://t.co/pWtvmzBFxa |
| UBuffalo Social Work @UBSSW RT @JoshNice4: Since 2008, WellsFargo: Since 2008, WellsFargo: mortgage-backed securities scams, $laundering, rigging municipal bonds, manipulating subprime mortgage loans b4 housing boom n foreclosure abuses after, violating Americans w Disabilities Act, patterns of discrimination against POC...(TBC) #MacroSW |
| UBuffalo Social Work @UBSSW RT @JoshNice4: (Continued WellsFargo) defrauding veterans, overcharging hundreds of thousands of homeowners and, most recently creating 3.5M bogus accounts to increase stocks and cheat customer. Disappointed to see Wells link on pre-chat links. Part of the problem. #MacroSW |
| Shand Kydd @Shand_Kydd A5: Personally, I can tell you I run an educational outreach program (mezzo-level) geared towards the aging population and we run a course on tax/financial knowledge for this particular population that is always being targeted for money scams. #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @caleigh_ames: @UBSSW A5: @UBSSW A5: I think our first step is becoming finically literate ourselves. Then we can better educate our clients and help them make informed decisions. #MacroSW |
| H. ONeill @HONeill15 A5: promoting financial literacy and understanding could help mobility amongst classes. It also would be beneficial in other countries for daily life and simplify some processes. #MacroSW |
| UBuffalo Social Work @UBSSW RT @jerryfarnett: @UBSSW This is an effort to eradicate poverty. This is something that must be tried and assessed. All efforts must be attempted and evaluated. There is so much poverty and inequity in the world.We must be bold. #MacroSW |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: @SamanthaWeiric2 good point mentioning the transfer fee! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @Shand_Kydd: A5: A5: Personally, I can tell you I run an educational outreach program (mezzo-level) geared towards the aging population and we run a course on tax/financial knowledge for this particular population that is always being targeted for money scams. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBittic: @UBSSW A5: @UBSSW A5: Social workers can help by developing programs and policies in financial/economic well being. #macrosw https://t.co/WWib5WfBp9 |
| Praxis Podcast @PraxisPod A5 Advocate for policies that eliminate predatory organizations #MacroSW |
| Heather Mabry-Kourt @KourtMabry @UBSSW A5: Financial proficiency needs to start at the school age level. There used to be a time where this took place in school. We live in technology based times, but the we still need to teach basics. #MacroSW |
| Kmarie228 @kmarie228 A5: I'm surprised there are not more financial social work courses in our education. Financial literacy is imperative to navigating our society. Including financial social work in our academic programs can give us the knowledge we need to empower clients with finances! #MacroSW |
| Nick @nick_molina @UBSSW Like Bit Coin, it would be almost impossible to regulate. That being said, digial anything, is vulnerable to Russian hackers...jk but to hackers in general. #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW We can help normalize conversations around poverty and lifestyle in the United States. Expose the myths and work to uplift. #MacroSW |
| 👑Adrienne Garr👑 @adriennecgarr @Ladywhite60 @OfficialMacroSW It's a common sentiment. And to participate and get the full benefit of financial literacy one has to have enough resources and energy to do so.#MacroSW |
| Heather Mabry-Kourt @KourtMabry @UBSSW A5: Offering free classes to the public would increase basic financial literecy and knowledge. #MacroSW |
| Rebecca Light @rll004 RT @kmarie228: A4: A4: Security is always an issue. Mobile banking is in some ways safer than computer-based banking. However, mobile banking still has risk with scams like when users receive fake banking text messages prompting the user to provide account info.... #MacroSW |
| Rebecca Light @rll004 #A4 also, in order to receive the money, there has to be some way to eventually charge the device. I see possible issues with the ability to connect to an electricity source, or even get a signal strong enough to receive this information/money #macroSW |
| Rebecca Light @rll004 #A4, I think that there are a lot of unintended consequences regarding mobile money. It’s almost impossible to know if the money is truly getting to its intended destination. There are a lot of scammers that could use this vulnerable population to scam this system #macroSW |
| Lucienne @luciennejanelle @UBSSW I think we should definitely educate those who are having problems. Maybe also having classes where they can be taught by those who will dedicate their time. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @mizzpicklezz: @Ladywhite60 @OfficialMacroSW It's a common sentiment. And to participate and get the full benefit of financial literacy one has to have enough resources and energy to do so.#MacroSW |
| Kayla @klteeples7911 @UBSSW A5. I think the first thing we need to do is educate ourselves before we are able to educate others. But education is key #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @jerryfarnett: @UBSSW This is an effort to eradicate poverty. This is something that must be tried and assessed. All efforts must be attempted and evaluated. There is so much poverty and inequity in the world.We must be bold. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @VilissaThompson: Not that familiar with this area, but learning so much from the discussion. #MacroSW https://t.co/YfLQ2pZZU9 |
| Rebecca Light @rll004 RT @AlexRidSW: Q5: Q5: EDUCATION & research. Education for ourselves first so we can competently educate our clients #MacroSW |
| Shand Kydd @Shand_Kydd @NadineShaanta mistrust of technology must be recognized as a barrier. i know it is for me. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW #MacroSW https://t.co/LiB9mdzQwE |
| patiocake @patiocakey A5 So many people were raised to not talk about money. Social workers see a lot of the limited money problems, but even just talking about it can be helpful for the more private folks that seem curious #macroSW |
| WorkerSocialRadical @joshdnice A5: Literacy, capability are extremely important;prioritizing and framing just as much so. Education on that topic must be accompanied by edu and our active confrontation against conditions perpetuating poverty,hunger, etc so not to victim blame but empower at same time #macrosw |
| Sunya Folayan @SunyaFolayan @UBSSW A. 4 All of these conveniences erode face to face interaction, and ultimately, employment opportunities previously held in customer service and in person banking environments. Users may be more vulnerable to hacks and some forms of identity theft. #Macrosw |
| #MacroSW Moderator @OfficialMacroSW RT @Wanjaonly: @OfficialMacroSW Q4 sometimes countries may place limits on the amount of money one can have/hold in their mobile account. #MacroSW |
| David McCollum @VilleBananas A5: Social workers need to help educate on financial literacy, especially using understandable language (i.e., layperson vernacular) to vulnerable populations in order to elucidate their financial opportunities and the deleterious effects of predatory financial systems. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @SunyaFolayan: @UBSSW A. 4 All of these conveniences erode face to face interaction, and ultimately, employment opportunities previously held in customer service and in person banking environments. Users may be more vulnerable to hacks and some forms of identity theft. #Macrosw |
| Jessica Brown @nariah A6: I wonder though if there aren’t real, meaningful economic transactions between woman that are happening that just cannot be commodified? Mutual aid, community building, etc? #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @agingrights: A5 So many people were raised to not talk about money. Social workers see a lot of the limited money problems, but even just talking about it can be helpful for the more private folks that seem curious #macroSW |
| Alex Ridley @AlexRidSW @amharlacher A5: Yes this seems like a great opportunity for patient education programs. All of the topics you discussed are definitely important but the social workers involved could also try to conduct needs assessment of the community to make sure their needs are covered #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @rll004: #A4, I think that there are a lot of unintended consequences regarding mobile money. It’s almost impossible to know if the money is truly getting to its intended destination. There are a lot of scammers that could use this vulnerable population to scam this system #macroSW |
| Vilissa Thompson @VilissaThompson A5: Promote & provide education, resources, & tech to increase capability. #MacroSW https://t.co/r7l1J0awIS |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @SunyaFolayan: @UBSSW A. 4 All of these conveniences erode face to face interaction, and ultimately, employment opportunities previously held in customer service and in person banking environments. Users may be more vulnerable to hacks and some forms of identity theft. #Macrosw |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @VilleBananas: A5: A5: Social workers need to help educate on financial literacy, especially using understandable language (i.e., layperson vernacular) to vulnerable populations in order to elucidate their financial opportunities and the deleterious effects of predatory financial systems. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @VilissaThompson: A5: A5: Promote & provide education, resources, & tech to increase capability. #MacroSW https://t.co/r7l1J0awIS |
| UBuffalo Social Work @UBSSW My choice is to drop Q 6 - but please consider it for your own edification. There were a number of themes tonight: a) need for Education (here's our work-in-progress #MacroSW syllabus and Add to it!) https://t.co/cWSVaQl4K3 b) uncertainty about how mobile money works #MacroSW 1/2 https://t.co/nGuV1VDkcI |
| jerryfarnett @jerryfarnett @UBSSW We must educate. We must expose the myth of living beyond our means. We must normalize conversations on poverty. That will not be easy in our society but the truth must set society's stress free. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: My choice is to drop Q 6 - but please consider it for your own edification. There were a number of themes tonight: My choice is to drop Q 6 - but please consider it for your own edification. There were a number of themes tonight: a) need for Education (here's our work-in-progress #MacroSW syllabus and Add to it!) https://t.co/cWSVaQl4K3 b) uncertainty about how mobile money works #MacroSW 1/2 https://t.co/nGuV1VDkcI |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: My choice is to drop Q 6 - but please consider it for your own edification. There were a number of themes tonight: My choice is to drop Q 6 - but please consider it for your own edification. There were a number of themes tonight: a) need for Education (here's our work-in-progress #MacroSW syllabus and Add to it!) https://t.co/cWSVaQl4K3 b) uncertainty about how mobile money works #MacroSW 1/2 https://t.co/nGuV1VDkcI |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @VilissaThompson: A5: A5: Promote & provide education, resources, & tech to increase capability. #MacroSW https://t.co/r7l1J0awIS |
| jerryfarnett @jerryfarnett @UBSSW Yes! Excellent food for thought. #MacroSW |
| Jessica Brown @nariah A6: In Bangladesh some women are uncomfortable interacting with the mobile banking agents who are almost exclusively men. #MacroSW |
| Institute on Trauma and Trauma-Informed Care @UBittic Very interesting topic and discussion, have a good night! #macrosw |
| UBuffalo Social Work @UBSSW and need for social workers to gear up on this financial capability issue! Building financial capability: A grand challenge for social work. 2/2 #MacroSW https://t.co/HOLmlBcKcX |
| UBuffalo Social Work @UBSSW Many many thanks to @NadineShaanta for her expertise! We knew we'd learn a lot tonight! #MacroSW https://t.co/TwXAPZGclX |
| WorkerSocialRadical @joshdnice @Wanjaonly @OfficialMacroSW Thank you Wanja. I am wondering if I missed this in my pre-chat reading. Can you share any links RE: mobile account limits by chance? #MacroSW |
| UBuffalo Social Work @UBSSW RT @ERL_SW: @UBSSW Q5. Pointing individuals in the direction of Financial Capability and Asset Building programs to help them to better understand and manage their finances. #macrosw |
| Wanja @Wanjaonly @OfficialMacroSW Q4 I've loved MPesa for all the 11 years it's been in existence. I cant say enough good things about it. it's accessible to all (don't need a smart phone). No need to worry about getting robbed. no cash needed. There's nothing you cant pay for #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda Great chat tonight! Special thank you to our guest @NadineShaanta for sharing with us! #MacroSW https://t.co/22XbQlEH1Q |
| UBuffalo Social Work @UBSSW RT @nariah: A5: A5: In Ithaca, NY we have @AlternativesFCU with a mission of building wealth with the unbanked. Free credit union accounts in schools, IDAs, financial literacy classes, etc to reach every person regardless of wealth. https://t.co/6xc4Z9uqbn #MacroSW |
 | Alicia Colon @AliciaColon94 RT @DorlisaMinnick: .@maryum7 just gave shout out to her #socialwork roots in her lecture on legacy of her dad, Muhammad Ali for social justice and civil rights AND @SHIPUSOCIALWORK students in #MacroSW #SWK521 joined in shouting back to celebrate our profession! |
| UBuffalo Social Work @UBSSW RT @graybill_holly: @UBSSW A5 Advocate for policy change to have financial literacy taught in school! Make it a requirement in high school as well as a gen ed in college. #macrosw |
| jerryfarnett @jerryfarnett @UBSSW Thank you, Everyone for a thoughtful and energizing conversation. #MacroSW |
| Shand Kydd @Shand_Kydd A6. Gender and class, particularly in third world countries, plays a huge part in deficiencies like these. Women and lower-class women especially are kept uneducated, isolated and home-bound for the most-part. #MacroSW |
| UBuffalo Social Work @UBSSW RT @caleigh_ames: @UBSSW A5: @UBSSW A5: I think our first step is becoming finically literate ourselves. Then we can better educate our clients and help them make informed decisions. #MacroSW |
| Vilissa Thompson @VilissaThompson A6: When women are financially literate & able to retain funding to create businesses, their families & societies are forever changed. Invest in women. #MacroSW https://t.co/s7hcszQJpn |
| UBuffalo Social Work @UBSSW RT @AlexRidSW: Q5: Q5: EDUCATION & research. Education for ourselves first so we can competently educate our clients #MacroSW |
| UBuffalo Social Work @UBSSW RT @courtneyann2018: @Carolyn65641191 @UBSSW I did not even think about this population. It would seem that if this was universal with mobile money that people could target this vulnerable population. #macrosw |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: A5: A5: Personally, I can tell you I run an educational outreach program (mezzo-level) geared towards the aging population and we run a course on tax/financial knowledge for this particular population that is always being targeted for money scams. #MacroSW |
| Lydia Weinstein @lydiaMSW Thanks for a great discussion, I learned a lot! Goodnight everyone #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW @NadineShaanta Thank you!!!#MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @VilissaThompson: A6: A6: When women are financially literate & able to retain funding to create businesses, their families & societies are forever changed. Invest in women. #MacroSW https://t.co/s7hcszQJpn |
| #MacroSW Moderator @OfficialMacroSW RT @Shand_Kydd: A6. Gender and class, particularly in third world countries, plays a huge part in deficiencies like these. Women and lower-class women especially are kept uneducated, isolated and home-bound for the most-part. #MacroSW |
| UBuffalo Social Work @UBSSW RT @OfficialMacroSW: #MacroSW https://t.co/LiB9mdzQwE |
| #MacroSW Moderator @OfficialMacroSW RT @jerryfarnett: @UBSSW Thank you, Everyone for a thoughtful and energizing conversation. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @karenzgoda: Great chat tonight! Special thank you to our guest @NadineShaanta for sharing with us! #MacroSW https://t.co/22XbQlEH1Q |
| UBuffalo Social Work @UBSSW It's especially nice to have a @UBSSW colleague on the #macroSW chat! https://t.co/yWe4Eha2oN |
| UBuffalo Social Work @UBSSW We love having so many students take part in these chats - hope you all will keep coming back!! #MacroSW https://t.co/6znagli507 |
| UBuffalo Social Work @UBSSW You'll find the chat transcript link in the blog post later tonight: https://t.co/sKZFuesmwY And of course we'll tweet it out under #MacroSW tomorrow! |
| UBuffalo Social Work @UBSSW Next week's chat is on Macro Social Work #Ethics with host @laurelhitchcock and guest expert @professormccabe ! Same time, same hashtag! #MacroSW |
| critty @crittykins @amharlacher @mizzpicklezz @NadineShaanta Yes, you're right that terminology and scams are needed. The American Academy of Social Work recommends supporting a Strong Consumer Financial Protection Bureau (CFPB) to Help Ensure the Transparency, Safety, Fairness regarding credit cards/scams, etc. #macrosw |
| Shand Kydd @Shand_Kydd A6: Uneducated women is a population ripe for being taking advantage of when they finally DO make it into the workplace. #MacroSW |
| Rebecca Light @rll004 RT @caleigh_ames: @UBSSW A5: @UBSSW A5: I think our first step is becoming finically literate ourselves. Then we can better educate our clients and help them make informed decisions. #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW I will!!! #MacroSW |
| UBuffalo Social Work @UBSSW RT @agingrights: A5 So many people were raised to not talk about money. Social workers see a lot of the limited money problems, but even just talking about it can be helpful for the more private folks that seem curious #macroSW |
| UBuffalo Social Work @UBSSW RT @JoshNice4: A5: A5: Literacy, capability are extremely important;prioritizing and framing just as much so. Education on that topic must be accompanied by edu and our active confrontation against conditions perpetuating poverty,hunger, etc so not to victim blame but empower at same time #macrosw |
 | Vanilla Ice-9 @cveidson RT @VilissaThompson: A6: A6: When women are financially literate & able to retain funding to create businesses, their families & societies are forever changed. Invest in women. #MacroSW https://t.co/s7hcszQJpn |
| UBuffalo Social Work @UBSSW RT @SunyaFolayan: @UBSSW A. 4 All of these conveniences erode face to face interaction, and ultimately, employment opportunities previously held in customer service and in person banking environments. Users may be more vulnerable to hacks and some forms of identity theft. #Macrosw |
| UBuffalo Social Work @UBSSW RT @nariah: A6: A6: I wonder though if there aren’t real, meaningful economic transactions between woman that are happening that just cannot be commodified? Mutual aid, community building, etc? #MacroSW |
| UBuffalo Social Work @UBSSW RT @VilissaThompson: A5: A5: Promote & provide education, resources, & tech to increase capability. #MacroSW https://t.co/r7l1J0awIS |
| Molly Ritter @ritter_molly Thanks for a great twitter chat! My first #macrosw was a success and I learned a lot! I can’t wait for the next one! |
| UBuffalo Social Work @UBSSW RT @nariah: A6: A6: In Bangladesh some women are uncomfortable interacting with the mobile banking agents who are almost exclusively men. #MacroSW |
| UBuffalo Social Work @UBSSW RT @JoshNice4: @Wanjaonly @OfficialMacroSW Thank you Wanja. I am wondering if I missed this in my pre-chat reading. Can you share any links RE: mobile account limits by chance? #MacroSW |
| UBuffalo Social Work @UBSSW RT @Wanjaonly: @OfficialMacroSW Q4 I've loved MPesa for all the 11 years it's been in existence. I cant say enough good things about it. it's accessible to all (don't need a smart phone). No need to worry about getting robbed. no cash needed. There's nothing you cant pay for #MacroSW |
| UBuffalo Social Work @UBSSW RT @Shand_Kydd: A6. Gender and class, particularly in third world countries, plays a huge part in deficiencies like these. Women and lower-class women especially are kept uneducated, isolated and home-bound for the most-part. #MacroSW |
| #MacroSW Moderator @OfficialMacroSW @JoshNice4 @Wanjaonly There is much country-specific literature, but this should give you some additional info: https://t.co/JTwdFrSrB3 #MacroSW |
| jerryfarnett @jerryfarnett @UBSSW Thank you! #MacroSW |
| #MacroSW Moderator @OfficialMacroSW RT @UBSSW: Many many thanks to @NadineShaanta for her expertise! We knew we'd learn a lot tonight! #MacroSW https://t.co/TwXAPZGclX |
| Aesha @Aesha94278980 A3: Having Agents would be helpful with understanding money. Agents can be expensive, I had an advisor in the past and it was hard for me to take financial advice and trust they knew what they were talking about....#MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @ritter_molly: Thanks for a great twitter chat! My first #macrosw was a success and I learned a lot! I can’t wait for the next one! |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @crittykins: @amharlacher @mizzpicklezz @NadineShaanta Yes, you're right that terminology and scams are needed. The American Academy of Social Work recommends supporting a Strong Consumer Financial Protection Bureau (CFPB) to Help Ensure the Transparency, Safety, Fairness regarding credit cards/scams, etc. #macrosw |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: We love having so many students take part in these chats - hope you all will keep coming back!! #MacroSW https://t.co/6znagli507 |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: It's especially nice to have a @UBSSW colleague on the #macroSW chat! https://t.co/yWe4Eha2oN |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @VilissaThompson: A6: A6: When women are financially literate & able to retain funding to create businesses, their families & societies are forever changed. Invest in women. #MacroSW https://t.co/s7hcszQJpn |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: You'll find the chat transcript link in the blog post later tonight: You'll find the chat transcript link in the blog post later tonight: https://t.co/sKZFuesmwY And of course we'll tweet it out under #MacroSW tomorrow! |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda RT @UBSSW: Next week's chat is on Macro Social Work #Ethics with host @laurelhitchcock and guest expert @professormccabe ! Same time, same hashtag! #MacroSW |
| Rebecca Light @rll004 Something I learned during my SW Econ class: there is a website where you can invest money and someone in a developing country can use as a loan and will repay 110% of the monies after their project is compete. Not sure of the URL/name but something to look into! #macroSW |
| critty @crittykins RT @kmarie228: A4: A4: For some people, mobile banking may be costly as certain financial institutions require a fee to utilize their online banking apps. The users must also pay for the data and text message charges depending on the type of phone plan they have. #MacroSW |
| Karen Zgoda, LMSW 🫶🏻🐱 @karenzgoda Goodnight all! #MacroSW https://t.co/hd3DekcESD |
| critty @crittykins #macrosw |
| critty @crittykins Thank you for bringing this to my attention! #macrosw https://t.co/RQPKC3JIJk |
| #MacroSW Moderator @OfficialMacroSW @rll004 Maybe: https://t.co/eqhVfQ8iZy #MacroSW |
| #MacroSW Moderator @OfficialMacroSW #MacroSW https://t.co/4lWjvaxTeX |
| Jonathan Singer 🎙️ @socworkpodcast RT @JimmySW: 5 years ago I, @laurelhitchcock, & @deonahooper organized 1 of the first chats that would later become #MacroSW. Topic= #GunControl Many changes for us since then. Institutions where we teach, new websites, publications, etc. What hasn't changed= Meaningful Reform. #NeverAgain |
| Jonathan Singer 🎙️ @socworkpodcast RT @laurelhitchcock: @JimmySW @deonahooper Has it been five years? We need to re-visit this issues for another chat! #MacroSW |
 | Amber Keating, MSW 💕💜💙 @AmberSaysShine We def have low $ literacy levels in U.S. Since it's not part of our education system, I was lucky to have a parent walk me through establishing basic credit, budgeting, etc. The un- & under-served don't even have that. Huge disadvantage. #MacroSW https://t.co/8mYKuteR70 |
 | Laura Cardinal @LauraCardinal13 RT @DrKristie: Hey 15-18 year olds... remember how powerful you are. NRA money doesn’t matter if you actually vote. #GunReformNow @AMarch4OurLives #StudentsStandUp #ParklandStudents #MarchForOurLives #MacroSW @RowanBlanchard https://t.co/rFlZA7nf6V |
| critty @crittykins I was thinking the same, having the middleman opens the door to mistrust and apprehension in using MM. #macrosw https://t.co/BscPN1x7dD |
| critty @crittykins @karenzgoda I can relate! Zzzzzzz, good night! #macrosw |
| patiocake @patiocakey RT @OfficialMacroSW: We have less than 10 minutes to go! #MacroSW https://t.co/S36RqegYOK |
#MacroSW content from Twitter.