Based on the concept of economic scarcity that was used to explain the impact of poverty, current research offers new thinking regarding the needs of consumers who attend financial education initiatives. This study analyzed data from a household training program – an intervention program that intended to bring economic rehabilitation to people who experience financial hardship. First, we evaluated the impact of the program. Later, we identified behavioral patterns and characteristics of participants who differed by their level of income. Although the study is not limited to individuals who are officially defined as ‘poor’, the current analysis attempts to use knowledge from studies of poverty to improve financial education.
