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InCharge Education Foundation : Research : Reports & Publications : Working Papers : Profina Debt Solutions 18-M...

Profina Debt Solutions 18-Month Panel Study: Changes in Financial Behavior and Incidence of Financial Stressors

As one of the leading debt management and counseling organizations in the country, Profina wanted to measure the extent to which the service it performed for its clients was making a difference in their financial well-being. In particular, Profina wanted to know whether any improvement in client financial life can fairly be attributed to its service even after allowing for effects beyond its determination.

To get that assurance, it was decided to conduct a study in which clients joining the debt management program (DMP) would be tracked to determine whether there were differences in the financial lot between those staying in the program (called actives in this report) and clients who either dropped out after at least one payment (called dropouts) and those who never even made a payment. The latter is used as a control group in this report.

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