European Consumer Debt Network ECDN in cooperation with Prelomi Institute
Conference with international participation
Ljubljana
City Hotel, November the 14th 2023
WHY?
Attitude towards money and mismanagement of money affect everyone. At a time of
monetarisation when money is brought to the front everywhere, at a time of
bankarisation or the rule of banks, at a time when money has become intangible and
often misused, the population of EU member states is being increasingly faced with
over-indebtedness on personal level, the level of households and societal level. This
affects debtors and creditors as well as the economic state of the country.
Individuals fall into debt due to their emotional problems, difficult life transitions,
neurological and health problems, single or repeated wrong financial decisions,
insufficient incomes, poor financial planning, manipulations of all kinds but also due
to their low financial literacy and finally because of lack of widely spread accessible,
competent, individual, and holistic debt advice services and their network.
The old ways of helping are not sufficient anymore. It is not enough that debtors
receive random, fragmented advice, that cooperation between institutions and
organisations providing debt advice is set up in extremis when financial problems
appear to be already unmanageable and too complex for a single organisation to
deal with. Moreover, it is not enough for existing organisations to provide advice that
focuses only on specific, single aspects of over-indebtedness. There are many
aspects to deal with as they are intertwined.
WHAT FOR?
• to understand over indebtedness its causes and consequences on the
personal and the level of households as well as the societal level,
• to consider the influence of the marketing strategies of banks and advertising,
• to comprehend the relationship between functional and financial literacy,
• to deepen the knowledge on the impact of the psychological attitudes towards
money on managing money,
• to get familiar with EU examples of good practices regarding debt advice
(PEPPI project,
• to appreciate the debt advice in Slovenia and its holistic nature,
• to think in common about ways to upgrade and promote financial literacy in
adults.
WHO FOR?
The conference is targeting representatives of institutions ministries, banks,
development institutes, and NGOs, providing individual debt advice or promoting
financial literacy, social workers, judges, adult and older adult educators, adult
education programme developers, therapists, lawyers, managers and journalists.
The number of participants is limited to 40.
