Poverty, the income inequality and the social polarization become of the social problems. Particularly, working poor don’t only overcome poverty but don’t have the hope for the future. It is serious problem.
The object of this study is to discover how the consultation of Financial Social Work as social welfare service has an effect on financial status and life Satisfaction of working poor. Attitudes and habits for money are very important determinants. An individual’s character differs from the values for money.
In Financial social work, non financial alternative which helps a long-term change of finance and financial stableness of client is important through interaction and self-reflection, participating and education, motivation with financial alternative.
In this study, financial and non-financial alternatives were constructed as independent variables. There are the management of income and expenses, the control of consumptive expensive and rational remodeling of coverage insurance, the debt redemption of debt redemption and saving way in the financial alternative. And there are the establishment of values for money, the acquisition of knowledge for banking and finance, the systematic control of income, the improvement of family relations, the realistic awareness of reality, the discovery of the hope for life in non financial alternative.
In resulting from research, the average monthly living expenses, the amount of redemption of principal and interest for monthly loan, the average monthly coverage insurance came down, and the average monthly amount of savings increased after the consultation of finance benefit. The general satisfaction of life and consumptive expensive, the stability of the future improved.
Therefore, this study arrived at a conclusion that the consultation of financial social work improved the practically financial status and the satisfaction of life of working poor through.