UNDERSTANDING HUMAN BEHAVIOR

COURSE CONTENT
1. 2. 3. 4. 5. 6.

Understanding Human Behavior Staff and VisionFund The Needs and Desires of People The Five levels of Human Needs Behaviors Caused by Frustration of Needs Coping with Unfulfilled Needs

COURSE OBJECTIVES
By the end of this session, participants will be able to:
Understand colleague has own emotions interact with colleagues easier as resulting of understanding through a diagram of behavior respond to needs and frustration of colleagues

1. UNDERSTANDING

HUMAN BEHAVIOR

sUmeRbIBakmYyedIm ,IBiBNnaGMBIstV

Eq

etIelakRKUGkRKUnwgR)a facg; )anGIV ebIsinCaelakRK

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mnusSmak;mansavtaxusKa nig manbuKliklkNepSgBIKaEdr mnusSnwgsEmg nigmanRbtikmepSgBIKaeTAelIvt b sanPaBEtmYy

edIm,IsMerc)aneKaledArYm eyIgRtUvyl;sanPaBKaeTAvijeTA mk nig

 Husband Vs Wife4.flv

2. VISIONFUND AND

STAFF

Inter-dependency

buKlik
      PaBxusEbkKa  GarmN_epSgKa rebobnkarKitepSgK  a  savtaepSgBIKa  TsSnvisy nig tmpal;xnepSgK a RbFandwknaMR

briyakaskargar c,ab; nig bTbBati eKalkarN_ vb,FmGgPaB RbBnRKb;R KgFnFanmnus S

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vIsinhVan;

kumRbFansaxa

vaminEmnCakargayRsYleTs Mrab;RbFandwknaMRkum b RbFan RKb;RKgsaxakgkarRbEm RbmUl nig elIkTwkciteGaysmaCik RkumsamKIKabMeBjkarga

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etIRbFandwknaMRkum RbFansaxaRtUvcgca MnUveKalKMnitGIVxH enAeBleFIVkarR)aRs yTak;TgCamYybuKlik ?

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buKlikRKb;rUbmanviBaaN manGarmN_
karRbRBwtnig kareqIytbrbs;buKlik KWmanlkNepSgKaGaRsyeTAtameBlev la nig sanPaBCak;Esg buKlikKWmanlkNsRKsajBi)akyl;BIBYk Kat; (staff are complex)

R)aRsyTak;TgCamYybuKlikCalkNbu Kl

buKliknwgeqIytbeTAnwgsanPaBCak;lak; NamYyepSgBIKaGaRsyelITItaMgEdlKat; kMBugQr

BayamEsVgyl;BIbuKliknImYyeGay)ansI

eTaHbICay:agNakeda y RbFandwknaMRkum RbFansaxa nig mitrYmkargar RtUvBicarNa

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3. THE NEEDS AND DESIRES OF STAFF

etIGIVCatRmUvk ar nig bMNgR)afa rbs;buKlik b

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tRmUvkarsrIrsaRs (Physiological needs) buKlikRtUvkar jaMu eskBak; sRmaklMEhr TICRmk nig kEngkargarmanpasuxPaB>>> tRmUvkarkasBRgwgsmtPaB ( Need for
challenging opportunities)

buKlikRtUvkarkas temIgzan sakl,gmgeTot hVwkhat;kargar>>> tRmUvkarseRmc)ansad (Need for achievement) buKlikcg;lUtlas;qab;rhs

tRmUvkarsMrab;karpas;br
change)

(Need

for

buKlikcg;sakl,gGIVEdlfI TTYl)anbTBiesaFn_bEnmeTot PaBrIkceRmIn elIGaCIB>>> mincg;mankgVl; (Need to be free from stress) buKlikRtUvkarkEngkargarEdlma nPaBkk;ekA rYsrayrak;Tak; RbFan b mitrYmkargarEdlGacpl;karRbwk Sa nig pl;CMnYy)an>>> tRmUvkarEpksnisux

cg;cUlrYmeFIVEpnkar (Need to be involved in planning) buKlikcg;dwgc,as;GMBIGIVEdlGg PaBrMBwgcg;)anBIKat; Kat;RtUv)anpl;CUnnUvBtTan;eh tukarN_ Kat;mankasEckcaybTBiesaFn_ nig beBajmtipal;xn cg;)anPaBesIKa (Need for equality) buKlikcg;)ankarykcitTukdak;BI RbFan bGgPaB cMeBaHxnesIKa nigyutiFm

cg;)ankarTTYlsal;elIsad (Need for recognition)



buKlikcg;)ankarTTYlsal; karsresIr TTYl)ankargar b tYnaTIBiess nig RtUv)antemIgzan buKlikcg;)ankareKarBBIGkdT cMeBaH Gakb,kiriya nig KMnitrbs;xn

tRmUvkareKarBrab;Gan (Need for esteem)



dUecH

eyIgGacqHbB aaMgtRmUvk ar TaMgGs;xagelI

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4. THE FIVE LEVELS OF HUMAN NEEDS

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buKliknwgCYbRbTHPa BtantwgpvcitenAeBl tRmUvkarrbs;Kat;minRt Uv)anbMeBj.

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PaBtantwgRbePTRtUv) aneKehAfa

PaBtantwgedays artRmUvkar
FRUSTRATION OF NEEDS
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5. BEHAVIORS CAUSED BY FRUSTRATION OF NEEDS

etIbuKliknwgmank arRbRBwtEbbNa ebItRmUvkarrbs;Kat ;minRtUv)anbMeBj b eqIytb?

29

karedaHsar (Excuses)
benas GkdT sanPaB nig ktaepSgenAeBlbraCyGIVmYy minTTYlsal;PaBbraCyrbs;xn rkels b KnWHkarBarxnCamuncMeBaHpll M)akepSg

kareKcevs (Escape)
GvtmanBIkEngeFIVkarjwkjab; minsUvniyaysI b TMnak;TMngCamYyGkdT xusEbkBIFmta

Gakb,kiriyarMelaPbMBankgp vGskm (Active Aggression Behavior)

PaKeRcInbgajPaBCMTas;mine BjcitCaCagcUlrYmrkdMeNaHR say cab;kMhus nig Gakb,kiriyarMelaPbMBank niyayminlBIGkdT riHKn;GkdTjwkjab; gpvGskm (Passive Aggression Behavior) BRgayBakccamGar:amkgRk umkargar GgPaB eqIytbtictYcbMput s b;s at; eFIVkickaredayminsUvykcitT nigTwkmuxminsUvbgaj ukdak; PaBrIkray eFIVRtwmEtGIVEdleKsM ueGayeFIVb:ueNaH minsUvmankarTMnak;T MngCamYyGkdT

CIvitKWrEmgCYbRbTHn UvPaBtantwgntRmUvk ar besckIb:gR)afa. mnusSEtgEtsEmgecjnU vGakb,kiriyaNa mYyqHbBaaMgeTAn wgPaBtantwgntRmUvka renaH.

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6. COPING WITH

UNFULFILLED NEEDS

ykcitTukdak;sab; nig yl;BIsanPaBrbs;buKlik lYgelambnrbnyPaBtantwg nig elIkTwkcitbuKlik bBaak;mUlehtunPaBtantwgenaHC amYybuKlik bM)at;mUlehtuEdlnaMeGaymanPaBt antwgenaHebIvasiteRkamGMNacrb s;eyIg CYybgajbMPWbuKlikeGayyl;BIs anPaBBit nig

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elIkTwkciteGaybuKlikeron nig Gnuvtk

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COURSE CONTENT
1. 2. 3. 4. 5. 6.

Understanding Human Behavior Staff and VisionFund The Needs and Desires of People The Five levels of Human Needs Behaviors Caused by Frustration of Needs Coping with Unfulfilled Needs

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GrKuNceMeBa HkarcUlrYm

kargarCaRk
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matikar
karGnuvtkargarCaRkumKWCaGIV ? ehtuGIVkarGnuvtkargarCaRkums Mxan;? etIGIVxHGacCabBaaenAeBlGnuv tkargarCaRkum? etIeFIVy:agNaedIm,IGnuvtkargarC aRkumeGaymanRbsiTiPaB?

39

El,gCaRkum
pakeQa H luy1/000ero lmYysnWk b ucvIsinhV an; cieBa n1vg; ExSRkv a:t;1 kabUblu y1 ekAGIG gy1

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etIkarGnuvtkarg arCaRkumKWCa GIV?

Whole class
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kargarCaRkumKWs MedAsmtPaBbMe Bj kargarrYmKaedIm,I Teamwork is the ability to work sMerc)aneKaledAnig together toward a common vision on TsSnvisyrYmKa. common goal

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The pain of the little finger is felt by the whole body!

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enAkgBak
TEAMWORK

KWminman I eT
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Bak {eyIg} RtUv)aneRbIR)as; jwkjab;CagBak

{xJM}

It is less ME and more WE!

45

ehtuGIVkarGn uvtkargarCa RkumsMxan;?

Pair work 2 minutes
46

skmPaBkargarPaKeRcInma nlkNTUlMTUlayEdl buKlEtmak;minGacsMerck argarenaH)an. skmPaBkargar enaHRtUvkar CMnaj nigkarsMrbsMrYl

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EpkTaMgGs;r YbrYmKanw g seRmc)anlTp lRbesIr The whole is greater than the sum of the parts! CagEpknImY
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TEAM
T : Together E : Everyone A : Achieves M : More

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4 group works for 5 minutes

etIGIVxHGac CabBaaenAeB l GnuvtkargarC aRkum?

   

CSOs and DBM at district branch Finance team at provincial branch BA, Finance and Admin clerk, DBM, CSO/Ts PBM, DBMs, BA, QAO, CSO/Ts

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minmanemdwknaMRkum mineKarBtamrcnasm<n minmaneKaledA b TisedArYmKa minEbgEck tYnaTI nig karTTYlxusRtUvc,as;las; mineKarBtYnaTI nig karTTYlxusRtUvrbs;xn eFIVkarTMnak;TMngmin) anl minyl;kickarKaeTAvijeT Amk
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etIeFIVy:agNaedIm,I GnuvtkargarCaRku meGaymanRbsiTi PaB?

CSOs and DBM at district branch Finance team at provincial branch BA, Finance and Admin clerk, DBM, CSO/Ts PBM, DBMs, BA, QAO, CSO/Ts
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4 group works for 5 minutes

  

kMNt;emdwknaMRkume Gayc,as;las; ral;KaRtUveKarBtamrc nasm<n kMNt;eKaledA b TisedArYmKaeGay)anc ,as;las; smaCikRKb;rUbmankare bCJacitedImI,sMerce KaledArYm kMNt;vinykgRkume Gayc,as;las;
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EsVgyl;kickarKaeT AvijeTAmk EsVgyl;sanPaBKae TAvijeTAmk elIkTwkcitdl;smaCikk gRkum RtUvmanviny nigeKarBeKalkarpal; xn RtUvmanRbBnRtYt Binittamdanc,as;las;
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RkumkargardeCaKCyKWCaRkumk argarEdlman citKMnit ebHdUg EtmYy

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kgcMeNameyIgTaMgGs;Ka KannrNamak;QasvCag {eyIgTaMgGs;Ka} eT

None of us is as smart as all of us!

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Coming together is a beginning!

Keeping together is progress!

Working together is success!

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etIGIVxHEdlelakRK UGkRKU)aneronsU RtBI EpksikSaenH?

Whole class

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etIelakRKUGkRKUnw gcab;epImbMeBjkarg arCaRkumy:agdUcem ceBlxagmux?

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Whole class

GrKuNcM eBaHkarc

KEY LOAN ASSESSMENT

PRINCIPLES
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Effective Loan Assessment

Qualitative Analysis

Quantitative Analysis

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Negative

Reject

Loan Assessment

Qualitative Analysis Positive

Quantitative Analysis Positive Requested loan size is Approved Negative Requested loan size 63 is Reduced/ Rejected

Qualitative Analysis

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Observation
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Family and Clients Notification

Legal age 18-65 years old Good health Be able to sign contract Business skills/ experiences Resided in the village at least 1 year Acceptable living environment Good relationship among neighbors Spouse agrees to request that loan size
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Clients Attitudes
Be responsible Willingness to repay Hardworking person Be honest Good reputation Good payment history Economically spending Willingness to invest Committed to business success
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Supporting Documents

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 National ID card National election card Family book/yellow book Land title (rice, plantation) Borrowing passbook Receipt or invoice Recording logbook Employment certificate Employment contract Salary pay slip
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Validity of Collateral (FARENTO)

Fake assets not accepted: tangible and real not fake. Ability to sell the collateralized asset: easy to liquidate. Risks of the collateralized asset: potential changing of ownership Estimation of value of the collateralized asset Need to be located in a good place Type of the collateralized asset: type of settlement land or land for business operation Ownership of the collateralized asset

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Quantitative Analysis

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Loan

Seeds

Plowing

Raking

Crop growing

Ability to repay Crop growing

Product sold

Harvesting

Grass clearance
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Loan

Seeds

Plowing

Raking

Crop growing

Ability to repay

Need to calculate all expenses incurred

Crop growing

Product sold

Harvesting

Grass clearance
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Important Financial Ratios

Total Equity = Total Asset 2 Debts

Note: Total asset includes debt (except building and land)

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Important Financial Ratios

Equity to investment ratio = Equity / Investment

Note: Investment = Requested Loan Size + Equity

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Important Financial Ratios

Loan coverage ratio = Net cash flow / Average loan payment per installment
Note:
Net cash flow = Cash in flow Cash out flow Average loan payment per installment = (Total loan + Total interest) / # of installment Loan coverage ratio = 1.3
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Important Financial Ratios

Collateral to loan ratio = Estimated market value of collateral / Total loan amount
Note:

CB = Group guarantee SG > 180% IL > 200%

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Show Loan assessment principles in excel

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Salary Income Source Assessment

Employment certificate Employment contract Salary pay slip Gather information of the employer Analyze on overall information of employer Only 50% of salary is considered as income for conservative purpose

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GrKuNce MeBaHkar

HARASSMENT
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etIGIVkMBugekI teLIgelIBiPBelak naeBlbcb,n?

Whole class
82

sRg

am Fm

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Whole class

RkeLkemIl RbeTskm< Ca naeBlbc

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GENERAL HARASSMENT SEXUAL

85

etIGIVeTACa
GENERAL HARASSMENT?

Whole class

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etIGIVeTACa
SEXUAL HARASSMENT?

Whole class

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krNIsikS a
Whole class
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Case study

Whole class

etIeyIgKYre FIVy:agNa ebIsin eyIgRtUv)an

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Directly respond
Consult with supervisor

File complaint
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TMnak;TMng CitsiTkgG gPaB minRtUvbgaj

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GrKuNce MeBaHkar

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