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Managing Money: Every Woman’s 
Business 
Working with newly arrived, refugee and migrant women 
to increase their financial capability
About WHIN 
Women’s Health In the North (WHIN) is State Government 
funded and covers the Northern Metropolitan Region of 
Melbourne. 
It aims to strengthen women’s health and wellbeing with a 
strategic focus on: 
• Gender Equity 
• Preventing Violence against Women 
• Sexual and Reproductive Health 
• Economic Participation 
• Environmental Justice
Financial Literacy 
• Ability to make informed decisions 
• Financial understanding 
• Financial competence
Financial Capability 
• Social determinants and structural barriers 
impact on women’s financial, physical & 
emotional wellbeing. 
• Working with women to identify needs for their 
financial futures. 
• Transforming financial knowledge, 
understanding and skill development practice. 
• NOT about competence but lack of money, 
power and experience.
Effect of structural barriers on women’s financial 
capability 
Gender 
Women's Lived 
Experience 
Culture 
Education 
Economic 
Access
Women’s Lived Experience 
•Financial disempowerment 
•Lack of confidence 
•Sense of shame and embarrassment 
•Feelings of hopelessness 
•Poor physical health 
•Over-responsibility
Managing Money: Every 
Woman’s Business
Address the barriers to women’s 
financial capability 
• Women’s groups 
• Gender specific approach 
• Participatory & learner centred approach 
• Access to childcare 
• Culturally sensitive financial counsellors 
• Information in community languages 
• Referral pathways
Managing Money: Every 
Woman’s Business
Conclusion 
Women’s equal access to and control over economic and 
financial resources is critical for the achievement of gender 
equality and the empowerment of women and for equitable 
and sustainable economic growth and development. Both 
economic and financial resources have important 
implications for women’s economic roles in sustaining 
household livelihoods, in labour markets and in the wider 
economy. 
World Survey 2009: United Nations Department of Economic and Social Affairs. 
Division for the Advancement of Women.
Contact Details 
Toni Bentley 
Health Promotion Worker 
Women’s Health In the North 
680 High Street 
Thornbury 3071 
Tel. 9484 1666 
tonib@whin.org.au

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2.3.4 ms toni bentley

  • 1. Managing Money: Every Woman’s Business Working with newly arrived, refugee and migrant women to increase their financial capability
  • 2. About WHIN Women’s Health In the North (WHIN) is State Government funded and covers the Northern Metropolitan Region of Melbourne. It aims to strengthen women’s health and wellbeing with a strategic focus on: • Gender Equity • Preventing Violence against Women • Sexual and Reproductive Health • Economic Participation • Environmental Justice
  • 3. Financial Literacy • Ability to make informed decisions • Financial understanding • Financial competence
  • 4. Financial Capability • Social determinants and structural barriers impact on women’s financial, physical & emotional wellbeing. • Working with women to identify needs for their financial futures. • Transforming financial knowledge, understanding and skill development practice. • NOT about competence but lack of money, power and experience.
  • 5. Effect of structural barriers on women’s financial capability Gender Women's Lived Experience Culture Education Economic Access
  • 6. Women’s Lived Experience •Financial disempowerment •Lack of confidence •Sense of shame and embarrassment •Feelings of hopelessness •Poor physical health •Over-responsibility
  • 7. Managing Money: Every Woman’s Business
  • 8. Address the barriers to women’s financial capability • Women’s groups • Gender specific approach • Participatory & learner centred approach • Access to childcare • Culturally sensitive financial counsellors • Information in community languages • Referral pathways
  • 9. Managing Money: Every Woman’s Business
  • 10.
  • 11.
  • 12.
  • 13.
  • 14. Conclusion Women’s equal access to and control over economic and financial resources is critical for the achievement of gender equality and the empowerment of women and for equitable and sustainable economic growth and development. Both economic and financial resources have important implications for women’s economic roles in sustaining household livelihoods, in labour markets and in the wider economy. World Survey 2009: United Nations Department of Economic and Social Affairs. Division for the Advancement of Women.
  • 15.
  • 16. Contact Details Toni Bentley Health Promotion Worker Women’s Health In the North 680 High Street Thornbury 3071 Tel. 9484 1666 tonib@whin.org.au

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