Building the Mindset and Skills for Smart Financial and Life Choices
Introduction
Every day, young people make decisions, how to spend money, who to trust, what goals to pursue. Good decisions create opportunities; poor ones cause setbacks.
Decision-making and problem-solving are essential life skills for financial success and leadership. This module equips young people to think critically, make wise choices, and guide others in schools and communities.
Objectives
By the end of this module, learners will be able to:
- Understand the importance of decision-making in personal finance and leadership.
- Identify steps in effective decision-making and problem-solving.
- Apply critical thinking to financial and personal challenges.
- Guide others in making informed, value-based decisions.
Section 1: Understanding Decision Making
Decision Making is the process of choosing the best course of action from several options.
Every financial and life choice; saving, spending, borrowing, or investing, reflects decision-making skills.
Why It Matters:
- Shapes your financial stability and career path.
- Builds confidence and independence.
- Prevents costly mistakes.
- Strengthens leadership and influence.
Key Idea:
“Every decision is a seed; what you plant today determines the harvest you’ll reap tomorrow.”
Section 2: The Decision-Making Process
Effective decisions require clear thinking and structure. Follow these six steps:
- Identify the Problem or Goal – What needs to be solved or achieved?
- Gather Information – Understand facts, risks, and options.
- Evaluate Alternatives – Compare benefits, costs, and consequences.
- Choose the Best Option – Select the choice that aligns with your values and goals.
- Take Action – Implement your decision with confidence.
- Review and Learn – Assess results and improve future choices.
Example:
Before buying a phone, compare prices, needs, and long-term costs. Don’t decide based on pressure or trends.
Section 3: Problem Solving
Problem Solving is the process of finding effective solutions to challenges.
In personal finance, this could mean managing debt, balancing budgets, or finding new income sources.
Steps in Problem Solving:
- Define the problem clearly.
- Identify possible causes.
- Brainstorm solutions.
- Evaluate and select the best one.
- Act and monitor progress.
Tools:
- SWOT Analysis (Strengths, Weaknesses, Opportunities, Threats)
- “5 Whys” Technique (ask “why” five times to reach the root cause)
- Mind Mapping for creative solutions
Section 4: Barriers to Good Decisions
Common obstacles young people face include:
- Peer pressure and social influence.
- Fear of failure or overconfidence.
- Lack of information or misinformation.
- Emotional decision-making.
- Short-term thinking over long-term goals.
Solution: Pause, think critically, and consult trusted mentors or resources before deciding.
Section 5: Financial Decision Making
Good financial decisions build wealth; bad ones create stress.
Apply decision-making principles to:
- Budgeting: Spend wisely, prioritize needs.
- Borrowing: Understand terms before taking loans.
- Saving & Investing: Analyze risk vs. reward.
- Giving: Support causes that align with your values.
Golden Rule:
“Don’t make permanent financial decisions based on temporary emotions.”
Section 6: Problem Solving in Real Life
Examples:
- Low Income: Explore side hustles or skills training.
- Debt Pressure: Create repayment plans or seek financial counseling.
- Conflict with Friends or Partners: Communicate clearly, seek win–win solutions.
- Academic or Career Setbacks: Re-evaluate goals, seek mentorship, and take new action.
Section 7: Teaching Decision Making & Problem Solving in Schools
As a KAFI Hub leader, use practical, fun activities:
- Decision Tree Game: Students choose between spending or saving scenarios and discuss outcomes.
- Group Problem Challenge: Teams solve a financial or ethical dilemma.
- Reflection Journals: Students record one major decision weekly and analyze results.
- Role Play: “You are the class treasurer – how will you allocate limited funds?”
Section 8: Case Studies
Case 1: Sarah the Saver
Sarah wanted to buy new shoes but decided to save for a laptop instead. Her decision helped her start freelancing, earning extra income.
Case 2: The Peer Pressure Trap
David borrowed money to impress friends. He couldn’t repay and damaged his credit. He learned to think long-term before deciding.
Case 3: Problem Solver Leader
Aisha noticed her KAFI Club struggled with attendance. She surveyed students, found timing was the issue, and adjusted the schedule. Attendance improved, showing leadership through problem-solving.
Key Takeaways
- Every choice has consequences, think before acting.
- Follow structured steps for better decisions.
- Use problem-solving to turn challenges into opportunities.
- Avoid emotional or peer-influenced decisions.
- Teach others to think critically and act wisely.
Join KAFI Community
JAIRUS MAKOKHA MAYIKUVA
ReplyDeleteFROM KENYA
Decision Making is the process of choosing the best course of action from several options.
Every financial and life choice; saving, spending, borrowing, or investing, reflects decision-making skills.
Every choice has consequences, think before acting.
Follow structured steps for better decisions.
Use problem-solving to turn challenges into opportunities.
Avoid emotional or peer-influenced decisions.
Teach others to think critically and act wisely.
Alinafe Mponda from Malawi
ReplyDeleteDecision-making and problem-solving are essential life skills that help young people make wise financial and personal choices. Every decision, whether about saving, spending, borrowing or investing, has lasting consequences that shape one’s future. Good decisions create opportunities and build financial stability, while poor ones lead to stress and setbacks. Learning to make sound decisions strengthens leadership, confidence and independence.
The decision-making process involves identifying a problem, gathering information, evaluating options, choosing the best course of action, implementing it and then reviewing the results. This structured approach allows individuals to think critically and act responsibly. Similarly, problem-solving requires clearly defining challenges, exploring possible causes, brainstorming solutions, and applying the most effective one. Useful tools like SWOT analysis and the “5 Whys” technique help in finding root causes and making better judgments.
Young people often face barriers to good decision-making, such as peer pressure, fear of failure, lack of information, or emotional influences. Overcoming these challenges requires self-discipline, reflection and consulting mentors or reliable resources before acting. In financial matters, it is vital to make decisions based on long-term goals rather than temporary emotions, especially when budgeting, borrowing, saving or investing.
Practical examples from real-life cases show how effective decision-making and problem-solving can lead to success. Sarah chose to save for a laptop instead of buying shoes, which later helped her earn income. On the other hand, David’s poor financial choice under peer pressure led to debt problems, teaching the importance of long-term thinking. Aisha, through problem-solving, improved her club’s attendance by addressing the root cause poor meeting timing.
Finally, teaching decision-making and problem-solving in schools through activities like role plays, reflection journals, and group challenges helps young people build critical thinking and leadership skills. The key lesson is that every decision carries consequences, and by thinking carefully, following structured steps, and avoiding emotional or peer-influenced choices, young people can turn challenges into opportunities and guide others toward positive change.
Mellen otieno
DeleteKenya 🇰🇪
Cohort 6
Batch B
Group j
Effective decision making and problem solving require clear process. Informed financial choices help achieve better outcomes
Precious Helard
ReplyDeleteMalawi
This module equips young people with critical thinking, decision-making, and problem-solving skills for financial and personal success. It teaches structured steps to analyze options, overcome peer pressure, and make informed choices. Learners gain confidence to solve challenges, make wise financial decisions, and guide others toward responsible, goal-driven actions and leadership..
I learned that sound decision-making is a structured process crucial for financial and personal success. It involves identifying a goal, gathering information, evaluating alternatives, and choosing the option that aligns with one's values. For instance, choosing to save for a laptop that enables freelancing, rather than impulsively buying shoes, plants a seed for future income. This methodical approach counters barriers like peer pressure or short-term emotions.
ReplyDeleteFull name: Mark Injendi mutoro
ReplyDeleteCountry: Kenya
What I have learnt from this module: Decision making is the process of choosing the best course of action from several options.
It's important because it builds confidence, prevents costly mistake and
strengthens leadership
The process of making decisions, identity the problem, gather information, evaluate alternative, choose the best option,take an action , review and learn.
Problem solving is the of finding effective solutions to challenges.
Barriers to good decision making, fear, peer pressure and lack of information.
Finally through teaching others in schools helps to solve out problems in good decision making.
NAME: Precious Joshua Mkomo
ReplyDeleteCOUNTRY: Malawi
Effective decision-making and problem-solving are crucial life skills for financial success and leadership. I have learned to follow a structured decision-making process: identify the problem, gather information, evaluate alternatives, choose the best option, take action and review results. I am aware of common barriers like peer pressure, emotional decision-making and lack of information. By applying critical thinking and problem-solving skills, I can make informed financial decisions, manage debt and achieve my goals. I am equipped to guide others in making wise choices and building a strong financial foundation. Critical thinking and wise decision-making are essential for long-term success.
Buhle Simon Mnguni
ReplyDeleteSouth Africa
The "Decision Making and Problem Solving" module equips young people with essential life skills for financial success and leadership. It covers understanding decision-making, identifying steps in effective decision-making, and applying critical thinking to financial and personal challenges.
Key barriers to good decisions are highlighted, such as peer pressure, fear, lack of information, emotional decision-making, and short-term thinking. The module applies decision-making principles to financial decisions, including budgeting, borrowing, saving, investing, and giving.
Problem-solving scenarios are explored, such as managing debt, balancing budgets, and finding new income sources. Practical activities for teaching decision-making and problem-solving are suggested, like decision tree games and group problem challenges.
Case studies illustrate the application of these principles, including Sarah's decision to save for a laptop, David's experience with peer pressure and borrowing, and Aisha's problem-solving leadership. The module emphasizes thinking critically, avoiding emotional decisions, and teaching others to do the same, leading to informed decisions, financial stability, and leadership skills.
Mary Orah from Malawi,,,
ReplyDeleteI have learnt that good financial decision-making is key to building wealth and reducing stress. Every financial choice—whether budgeting, borrowing, saving, or giving—should be guided by clear thinking and not emotions. The golden rule is to avoid making permanent decisions based on temporary feelings.
Through the case studies, I understood that wise choices, like Sarah saving for a laptop, lead to long-term benefits, while emotional or peer-influenced decisions, like David’s, can cause regret. I also learnt that effective problem-solving, as shown by Aisha, involves identifying the root cause and taking practical action to improve results.
The main lesson is to think before acting, manage challenges with a positive mindset, and teach others—especially students—to make smart, responsible, and value-based financial decisions.
Darwin Mkanya
ReplyDeleteMalawi
From this module, I have learnt that decision-making and problem-solving are essential life and leadership skills that shape our financial and personal success. Good decisions come from clear thinking, information gathering, and evaluating different options before acting, while problem-solving helps in finding effective solutions to everyday challenges. I have understood that emotions, peer pressure, and lack of information often lead to poor decisions, so it’s important to think critically and seek guidance when needed. The module also showed me that applying these skills to financial areas like saving, budgeting, and borrowing leads to better outcomes. In essence, wise decision-making and effective problem-solving help young leaders build confidence, responsibility, and long-term success.
Mohamed Babah Fofanah
ReplyDeleteFrom Sierra Leone
The presentation state the importance of decision-making and problem-solving as vital life skills for young people’s financial success and leadership. It highlights that daily choices in spending, trusting, and goal-setting influence future opportunities and setbacks. The module teaches a structured six-step decision-making process—identifying problems, gathering information, evaluating options, choosing, acting, and reviewing—and underscores the role of critical thinking. Problem-solving tools like SWOT analysis and the “5 Whys” are introduced to address challenges such as debt or low income. The presentation also discusses barriers like peer pressure and emotional bias, stressing the need for reflection and advice from trusted sources. Applying these skills to personal finance—budgeting, saving, borrowing, investing—can build wealth and confidence. Finally, it suggests practical activities for schools to teach decision-making, fostering responsible and informed choices among students.
Ebrima Touray
ReplyDeleteGambia
My takeaway from the module:
Decision-making and problem-solving are vital skills for financial success and leadership. Every choice we make whether about spending, saving, or borrowing, shapes our future.
I discovered the importance of following a structured process: identifying problems, gathering information, evaluating options, and choosing wisely. The module taught me to think critically, avoid emotional or peer-influenced decisions, and learn from outcomes.
I also learned useful tools like SWOT analysis and the “5 Whys” technique to uncover root causes and find effective solutions. Most importantly, I realized that good decisions create opportunities, build confidence, and inspire others to make responsible choices, both in finance and in life.
Full name: Emmanuel Magombo
ReplyDeleteCountry: Malawi 🇲🇼
First of all Decision Making is the process of choosing the best course of action from several options.
Every financial and life choice; saving, spending, borrowing, or investing, reflects decision-making skills.
Further more good decision making can Shapes your financial stability and career path.
Builds confidence and independence.
Prevents costly mistakes.
Strengthens leadership and influence.
Lastly Effective decision-making and problem-solving are crucial life skills for financial success and leadership.
Bailor Jalloh
ReplyDeleteSierra Leone
In the Decision-Making and Problem-Solving module, I learnt the importance of making thoughtful and informed choices. I understood that effective decision-making involves identifying a problem, analyzing possible options, weighing the pros and cons, and choosing the best solution. I also learnt that problem-solving requires critical thinking, creativity, and teamwork to find practical and lasting solutions. This module helped me realize that good decisions are based on clear goals, accurate information, and careful evaluation of outcomes.
Cynthia Manjawira from Malawi Every day we make choices that shape our future. This module teaches young people how to think carefully, solve problems and make wise financial and life decisions. Good decision making builds confidence, success and leadership while poor choices can cause setbacks. To decide well you need to identify the problem, gather facts, compare options, choose the best one, take action and learn from the outcome. Problem solving helps us face challenges like debt, low income or conflicts with clear thinking and creativity. The key is to avoid emotional or peer pressured decisions and always think longterm. Smart choices today lead to better opportunities tomorrow.
ReplyDeleteName: Adego Hillary
ReplyDeleteCountry: Kenya 🇰🇪
Summary:
From this module, I learned that decision-making and problem-solving are vital life skills that shape our financial success and leadership abilities. Every choice we make — how we spend, save, or invest — affects our future. Good decisions create opportunities, while poor ones can lead to setbacks.
Effective decision-making follows six key steps: identify the problem or goal, gather information, evaluate options, choose the best solution, take action, and review results. In problem-solving, it’s important to define the issue, find the cause, brainstorm solutions, and act wisely using tools like SWOT analysis and the “5 Whys.”
I learned that barriers such as peer pressure, emotions, lack of information, and fear of failure can lead to poor choices. To overcome these, one should think critically, seek advice, and focus on long-term goals. Financially, this means making thoughtful decisions about budgeting, borrowing, saving, and investing—never letting emotions drive spending.
Finally, I discovered that as a young leader, I can help others build these skills through activities like decision games, group challenges, and reflection exercises. The key lesson is that every decision has consequences, so we must think carefully, act wisely, and learn from every experience.
Joy Ngum Ndalle
ReplyDeleteCameroon
I have learnt that good financial decisions create wealth while bad financial decisions create stress. Financial decisions should be taken after following the 6 thinking steps, as it thoroughly outlines if that decision is worth taking. Problem solving refers to solving challenges, a vital characteristic for financial literacy leaders.
Maimuna Simba
ReplyDeleteMalawi
On decision making and problem solving module I have learnt that these two concepts are essential for financial literacy advocates such that they help in strethething leadership and influence,prevent costly mistakes, builds confidence and independence as well as shaping financial stability and career path.
Thee module has also sheded light on various barriers that we may encounter in making good decisions and How we can teach decision-making problem solving in schools as young leaders advocating for financial literacy
Blessings Matitha
ReplyDeleteFrom Malawi
I have lent that decision-making and problem-solving are important skills that affect how well someone manages money and leads others. They help people make smart choices and avoid mistakes. The process of making decisions starts by finding out what the problem is, then collecting information, looking at different options, picking the best one, taking action, and checking how things turned out. When solving problems, it's important to clearly understand the issue, find out why it happened, come up with possible fixes, and keep track of progress. Tools like SWOT analysis and the “5 Whys” can help with this. People sometimes struggle with making good decisions because of things like pressure from friends, acting on emotions, or getting wrong information. These issues can be handled by thinking carefully and asking for help. Using these skills in areas like managing money, borrowing, saving, and spending wisely can help build a strong financial foundation. Learning through real-life situations and activities helps people understand the value of making thoughtful decisions and being a good leader in both personal and community settings.
Blessings Matitha
ReplyDeleteFrom Malawi
Decision-making and problem-solving are important skills that affect how well someone manages money and leads others. They help people make smart choices and avoid mistakes. The process of making decisions starts by finding out what the problem is, then collecting information, looking at different options, picking the best one, taking action, and checking how things turned out. When solving problems, it's important to clearly understand the issue, find out why it happened, come up with possible fixes, and keep track of progress. Tools like SWOT analysis and the “5 Whys” can help with this. People sometimes struggle with making good decisions because of things like pressure from friends, acting on emotions, or getting wrong information. These issues can be handled by thinking carefully and asking for help. Using these skills in areas like managing money, borrowing, saving, and spending wisely can help build a strong financial foundation. Learning through real-life situations and activities helps people understand the value of making thoughtful decisions and being a good leader in both personal and community settings.
From Eswatini
ReplyDeleteI have learned that decision-making and problem-solving are crucial life skills that many young people, including myself, often overlook. Most of the time, we tend to make emotional decisions instead of thinking practically and considering the long-term impact of our choices. This module has helped me realize how important it is to pause, analyze situations carefully, and make thoughtful decisions that can help me grow rather than harm my progress. It also reminded me that being careless or impulsive can lead to unnecessary mistakes. Going forward, I want to practice making more profound, well-thought-out decisions that reflect maturity and responsibility in both my personal life and future career.
Name: Nicholas Kachinga Emanimani
ReplyDeleteCountry: Kenya
Summary:
I have learned that decision-making and problem-solving are important skills in managing money and life challenges. Good decisions require thinking carefully, getting the right information, and avoiding emotional or peer-influenced choices. I also learned the steps to solve problems—identify the issue, find causes, explore solutions, choose the best one, and take action. Tools like SWOT analysis and the “5 Whys” method help find real causes and solutions. In finance, smart decisions about saving, spending, and borrowing lead to success. As a KAFI leader, I can help students learn to think critically, solve problems creatively, and make wise financial choices.
Phalane TEBATSO CASCHNER from South Africa.
ReplyDeleteI have learned that every decision is a seed;what you plan today determine the harvest you will reap tomorrow. Don't make a pearment decision based on temporary emotions. In problem solving :define the problem,identify the possible causes,brainstorm solution and Evaluate and select the best solution.
**Name:** Precious Chichitike
ReplyDelete**Country:** Malawi
**Summary:**
From this module, I have learnt that decision-making and problem-solving are essential life and leadership skills that shape both financial success and personal growth. Every choice we make—whether it is saving, spending, borrowing, or investing—determines our future outcomes. I have understood that good decisions create opportunities, while poor ones bring challenges, so it is important to think critically before acting. The module has taught me the six-step decision-making process: identifying the problem, gathering information, evaluating alternatives, choosing the best option, taking action, and reviewing results. This process helps to make clear, informed, and value-based decisions rather than emotional or rushed ones.
I have also learnt that problem-solving is about finding effective ways to overcome challenges by identifying causes, brainstorming solutions, and implementing the best actions. Tools like SWOT analysis and the “5 Whys” method can help uncover root causes and guide better solutions. The module highlighted common barriers to good decision-making such as peer pressure, fear of failure, misinformation, and short-term thinking, and I have learnt how to overcome these by pausing, reflecting, and consulting mentors.
Applying these principles to financial decisions—such as budgeting, saving, borrowing, and investing—can prevent costly mistakes and promote financial independence. Real-life examples showed that wise decisions require discipline and long-term vision. Overall, I have learnt that strong decision-making and problem-solving skills empower young people in Malawi to act responsibly, lead effectively, and turn challenges into opportunities for personal and community growth.
Tracy Chipongoma
ReplyDeleteZambia
Decision making is choosing the best course of action from several options. It shapes financial stability.
Effective decisions require clear thinking and structure.
When making a decision, always identify the problem and goal
Gather information
Always compare prices, needs and long term costs.
Problem solving is finding effective solutions to challenges. Define the problem clearly, identify the possible causes.
Obstacles to problem solving include some of the following;
Peer pressure and social influence
Fear of failure, overconfidence
The last important Note is never make permanent financial decisions based on temporary emotions. Every choice has it's own consequences
Makoabola Mathapholane
ReplyDeleteLesotho
Decision-making and problem-solving are vital life and leadership skills. Every choice about money, goals, or relationships shapes our future.
Good decisions come from thinking clearly, weighing options, and acting with purpose. The process involves identifying the problem, gathering information, evaluating alternatives, choosing the best option, acting, and reviewing results.
Problem-solving means finding practical ways to overcome challenges — using tools like SWOT analysis, the 5 Whys, or brainstorming.
Barriers such as peer pressure, fear, emotions, and lack of information can lead to poor choices. Always pause, think critically, and seek advice.
Apply these skills in finances — spend wisely, borrow carefully, save regularly, and avoid emotional decisions.
Key idea: Every decision has consequences. Think long-term, act with discipline, and turn problems into opportunities.
Name: Vincent Olwanda
ReplyDeleteCountry: Kenya
Summary:
I’ve learnt that decision-making and problem-solving are vital for financial success and leadership. Smart choices require clear goals, information, and critical thinking. Problem-solving involves identifying causes and finding practical solutions. Barriers like peer pressure and emotions must be managed. Financial decisions should align with long-term goals. As a KAFI leader, I’ll teach youth to think wisely, act confidently, and use tools like SWOT and decision trees to guide their choices.
This module has taught me that decision-making is a crucial process that involves selecting the best course of action from various options. Effective decision-making builds confidence, prevents costly mistakes, and strengthens leadership. The decision-making process involves identifying the problem, gathering information, evaluating alternatives, choosing the best option, taking action, and reviewing outcomes to learn. Additionally, I've learned that problem-solving is about finding effective solutions to challenges. Common barriers to good decision-making include fear, peer pressure, and lack of information. Teaching others, especially in schools can also help develop good decision-making skills.
ReplyDeleteName: Priscilla Amour
ReplyDeleteSouth Sudan
Cohort 5 ,batch A
Group A
I learned that smart decisions shape our future, especially financially. Effective choices require identifying the problem, gathering information, comparing options, and reviewing outcomes. Problem-solving means thinking critically, finding root causes, and choosing practical solutions. In short—pause, evaluate, decide wisely, and always think long-term over short-term emotions.
KENNY BWALYA
ReplyDeleteFROM ZAMBIA
COHORT 5 BATCH B
GROUP F
Day 6 module 4
Summary
Decision making and problem solving are essential skills that help individuals and businesses choose the best course of action when faced with challenges. Decision making involves gathering information, evaluating options, considering possible outcomes, and selecting the most effective solution. Problem solving focuses on identifying the root cause of an issue, brainstorming solutions, analyzing their pros and cons, and implementing the best one. These skills require critical thinking, creativity, and the ability to stay calm under pressure. Strong decision making and problem solving help entrepreneurs overcome obstacles, improve efficiency, and achieve their goals with confidence.
Sarah Benson
ReplyDeleteMalawi
Cohort 5
Group A Batch A
Day 6 Module 4
I have learnt that decision making and problem solving are essential life skills that shape our financial stability, confidence, and leadership. Good decisions require a clear process identifying the problem, gathering information, evaluating options, choosing the best solution, taking action, and reviewing the results. I also learnt how problem solving helps address challenges such as budgeting issues, debt, or conflicts by defining the problem, finding causes, brainstorming solutions, and acting on the best option. The module highlighted common barriers like peer pressure, emotions, fear of failure, and lack of information, and showed the importance of thinking critically and aligning decisions with long-term goals. Overall, I now understand that wise decisions create opportunities, while poor choices cause setbacks. As a leader, I can guide others in making informed, valuembased decisions that support financial growth and personal success.
ReplyDeleteRANUECK THENFORD
Malawi
Cohort 5, batch A
Group A
Module 4,day 6
From this module, I have learnt that decision making is an essential skill because every financial choice—saving, spending, borrowing, or investing—shapes future stability. I now understand the six-step decision-making process, how to gather information, compare options, choose wisely, take action, and learn from results. The module also taught me practical problem-solving skills, including defining problems clearly, finding causes, generating solutions, and using tools like SWOT analysis and the 5 Whys. I learnt how barriers such as peer pressure, emotions, fear, and misinformation can lead to poor decisions, and the importance of thinking critically and seeking guidance. I also understand how to apply good decision-making to budgeting, borrowing, saving, and investing, and how real-life challenges like low income or debt can be solved through planning and action. Finally, I learned simple classroom activities—like decision trees, group challenges, and role plays—that help students build strong decision-making and problem-solving skills.
Mahlohonolo Futho from Lesotho
ReplyDeleteCohort 5
Batch A
Group B
This module teaches how to analyze situations or problems carefully before making decisions, techniques to evaluate different options (risks, rewards, long-term consequences),how to resist peer pressure or impulsive decisions — make choices based on clarity and values, not emotions or external pressure, how to Solve personal, social or financial problems proactively and how to build confidence in decision-making; lead others by example toward responsible, goal-oriented actions.
Ngene Charles Chukwuka
ReplyDeleteNigeria
Cohort 5 (Group G)
Batch B
This module taught me that decision making is the process of choosing the best course of action from several options.
Every financial and life choice; saving, spending, borrowing, or investing, reflects decision-making skills.
Every choice has consequences, think before acting.
Follow structured steps for better decisions.
Use problem-solving to turn challenges into opportunities.
Avoid emotional or peer-influenced decisions.
Teach others to think critically and act wisely.
Meshack Muuo
ReplyDeleteKenya
Cohort 5 (Batch A)
Group C
From this module, I have learned that decision-making and problem-solving are skills that shape every part of my life, especially my financial future and leadership journey. I now understand that every choice—whether it’s how I spend my money, who I listen to, or which goals I pursue—has consequences. Good decisions build stability and opportunities, while poor ones create setbacks.
I learned that effective decision-making follows a clear process: identifying the problem, gathering information, comparing options, choosing what aligns with my goals, taking action, and later reviewing the results. I also realized that problem-solving is about breaking a challenge down, understanding its root causes, brainstorming solutions, and picking the best one using tools like SWOT analysis and the “5 Whys.”
The module also made me aware of common barriers like peer pressure, emotions, lack of information, and short-term thinking. I learned that pausing and thinking critically can prevent many mistakes. I now appreciate the importance of applying these skills to financial decisions—budgeting well, borrowing wisely, saving intentionally, and avoiding emotional spending.
Finally, I learned how these skills can help me guide others. Through activities like decision-tree games, role plays, group challenges, and case studies, I can teach students to think deeper and act wisely. Overall, the biggest lesson for me is that every decision is a seed, and the choices I make today determine the kind of future I will harvest.
Lonjezo Banda
ReplyDeleteMalawi
Cohort 5 batch A
Group A
From this module I have learnt that entrepreneurship relies on smart decisions and effective problem solving. Every choice from spending to borrowing affects business growth and financial stability. Using structured steps such as identifying problems, evaluating options, and reviewing results helps to make better decisions.
Successful entrepreneurship depends on thinking critically, acting intentionally, and turning challenges into opportunities while empowering others to do the same.
Joseph olinga Uganda 🇺🇬 cohort5, batchB groupE. In this module,i gained good understanding of the importance of decision making ,young peole should learn how to apply critical thinking to financial and personal challenges they face in life.final,clear understanding of the decision making process and principles assist young people to solve daily challenges they have in business.reviewing our plans,identifying challenges and areas of strength enables young people to turn problems into opportunities.
DeleteFunny chapalapata
ReplyDeleteMalawi
Cohort 5( group E )
Batch B
This module has emphasized coming up with the wise decision for financial growth.
It is the skills in decision making that determine business progress, hence it is important to internalize good decision making skills to shape your financial stability and career growth.
Problem solving is the weapon for effective solutions from encountered challenges. In personal finance could mean managing debt, balance budget or finding new income sources. Therefore an individual should always apply good decision making principles that will allow him to think before acting with the aim of coming up with a permanent and realistic decisions.
As a financial literacy ambassador teaching students about decision making and problem solving skills will not only impact on their journey for financial growth but also as a leader in different setting must possess these skills to create a conducive environment for the followers and success, for instance when exposed to conflicts.
Greciano Hezekiah
ReplyDeleteMalawi 🇲🇼
Cohort 5 Group B
Batch A
Young people make daily choices that shape their finances, relationships, and future opportunities. Good decision-making and problem-solving skills help them avoid mistakes, build confidence, and become effective leaders. This lesson teaches the importance of thinking critically, evaluating options, and choosing actions that align with personal goals and values.
Learners explore a structured approach to making decisions by identifying problems, gathering information, comparing alternatives, taking action, and reviewing results. They also learn how to solve challenges using tools like SWOT analysis and the “5 Whys.” Recognizing barriers such as peer pressure, emotions, and misinformation helps young people to make better financial and personal decisions.
Bully Fofana
ReplyDeleteThe Gambia
Group A, batch A
Cohort 5
I learned that good decision making starts with clearly defining the problem and gathering the right information. It involves comparing options, thinking about the risks and choosing the solution that creates the best outcome. I also learned that effective problem solving requires staying calm, analyzing the root cause, and testing possible solutions. The lesson showed that using a structured approach helps you make better decisions and avoid mistakes.
Sanusi Garba mabera
ReplyDeleteNigeria
Cohort 5 Batch B
Day 6 module 4
From this module, I learned that decision-making and problem-solving are very important skills that guide how we live, spend, and plan our future. I understood that every choice we make—whether to save, spend, borrow, or invest—comes with consequences, so we must think well before acting. The module taught me the proper steps to make good decisions: know the problem, gather information, compare options, choose wisely, take action, and learn from the results. I also learned that things like peer pressure, fear, and acting with emotions can lead to bad decisions. The module encouraged me to think critically, focus on long-term goals, and seek advice when needed. Overall, it taught me to handle challenges with wisdom and help others make better financial and life choices.
Elizer Kanyika
ReplyDeleteMalawi
Cohort 5
Group A
Batch A
DECISION MAKING AND PROBLEM SOLVING Module 4.
From this module I have learnt that, decision making is about choosing the best course of action basing on the available options. Good decision creates opportunities for an individual. There are several steps that need to be followed in decision making in order to use the best course of action whereby avoid future consequences. In addition, I have also learnt that problem solving is about finding an effective intervention towards a challenge. There are different steps that need to be followed in order to have a good intervention towards available problem or challenge. When making decision it should not be peer or emotional influenced but rather the one that best sort the problem or challenge out.
Hope Malambo
ReplyDeleteZambia
Cohort 5
Batch A
Group B
I have learned that decision-making and problem-solving are essential life skills that shape financial success, leadership, and personal growth. Effective decisions require identifying goals, gathering information, evaluating options, taking action, and reviewing outcomes. Problem-solving involves analyzing challenges, brainstorming solutions, and implementing the best course of action. Young people must overcome barriers like peer pressure, emotions, and misinformation, especially in financial decisions such as budgeting, borrowing, saving, and investing. As a KAFI leader, I can guide students and peers to think critically, make informed choices, and use structured problem-solving to turn challenges into opportunities.
Diana khauya
ReplyDeleteMalawi
Cohort 5
Batch A
Group B
Decision making shapes financial stability and career path, builds confidence and independence and also strength leadership and influence. Effective decisions required clear thinking and structure. Problem solving is the process of finding effective solutions to challenges. Always follow steps in problem solving and we can tools like SWOT analysis, 5 whys and mind mapping. Peer pressure, fear, lack of information can be a barrier to good decision making.
Rafique William Mponda
ReplyDeleteMalawi
Cohort (Batch B)
Group F
In this module, I've learnt about decision-making and problem-solving. The value of decision-making and problem-solving shapes the personal growth and success of every leader. Every choice that we make, whether it is borrowing, saving or spending, has a long-term consequence, therefore by using a well-structured approach will help to act wisely. Identifying goals, evaluating options, and reviewing outcomes helps avoid mistakes and overcome challenges. Some of the common barriers faced, such as peer pressure, emotions, and lack of information, can be solved by using tools like SWOT analysis. Overall, problem-solving and decision-making have shown me that thoughtful decisions and practical problem-solving help avoid costly mistakes, manage my finances better, and navigate situations with confidence.
Margaret mwale
ReplyDeleteCohort 5
Batch A
Group C
have learnt that, decision making is about choosing the best course of action basing on the available options. Good decision creates opportunities for an individual.
In this module l have learnt that making good decisions is very important for managing money and being a good leader. It shows a clear process to solve problems and make smart choices step by step. I learned that thinking carefully, checking facts, and choosing what fits my values help avoid mistakes. The module also warns about problems like peer pressure and emotions that can lead to bad decisions.
ReplyDeleteJoana Mongola from Malawi
ReplyDeleteCohort 5
Batch B
In this module l have learnt that making good decisions is very important for managing money and being a good leader. It shows a clear process to solve problems and make smart choices step by step. I learned that thinking carefully, checking facts, and choosing what fits my values help avoid mistakes. The module also warns about problems like peer pressure and emotions that can lead to bad decisions.
Charles Boimah Gray
ReplyDeleteLeader
Cohort 5
Group A, Batch A
Module 4, Day 6
This module is about making wise choices. On the over all it matters because it shapes financial stability and increases your chances to build confidence and create a career path. It's about critical thinking before taking the action. Problem solving is about finding alternatives to solve problems, young leaders should be able to make rational decisions that will drive community development and growth.
Rasool William Bennie
ReplyDeleteFrom Malawi
Cohort 5 (Batch A)
Group C
Every day we make choices that shape our future, from how we spend money to how we solve problems. Good decision-making is a skill you can learn by following simple steps: clearly understand your goal, gather information, weigh your options, and then act. It's especially important with money avoid making choices based on pressure or emotions, and instead think about long-term benefits. When you face a challenge, break it down, brainstorm solutions, and take action. Learning to think this way helps you build confidence, avoid costly mistakes, and lead others wisely through life's ups and downs.
Tumpale Mkandawire
ReplyDeleteMalawi
Cohort 5
Batch B (subgroup F)
Decision making and problem solving is very important for leaders. By definition decision making means selecting alternatives for a desired goal and there are several process for decision making such as identifying the problem, understanding the alternatives, weighing benefits and risks and choosing the desired alternative just to mention a few when decision making is combined with problem solving it helps in leadership in a way that one is able to make good decisions and be able to inspire the community through teaching about the topic.
Lisah T Murewa
ReplyDeleteZimbabwe
Cohort 5
Batch A
Group B
Summary
This module teaches young people how to make smart, confident financial and life decisions. It covers a simple decision making process, problem solving steps and tools like SWOT and the 5 Whys. It also explains common barriers like peer pressure, emotions and lack of information and how to avoid them. The goal is to help learners think clearly, choose wisely and guide others to make better choices.
ReplyDeleteRichard Okoth
Kenya
Cohort 5
Batch B
Day 6 - Module 4
Summary
Young people often face obstacles like peer pressure, strong emotions, and wrong information, especially when making financial choices about saving, budgeting, borrowing, or investing. As a KAFI leader, I can help students and peers think carefully, make informed decisions, and use a step-by-step problem-solving process to turn challenges into opportunities.
Rophy Makokha Barasa
ReplyDeleteKenya
Cohort 5 batch c
“Don’t make permanent financial decisions based on temporary emotions.”
Be a good problem solver
Mloiso Mathews Katete
ReplyDeleteMalawi
Cohort 5 (Batch C Group J )
This module empowers young people with the skills to make thoughtful decisions and solve problems confidently in their financial lives and leadership roles. It explains that every choice from spending and saving to handling conflicts or planning goals shapes future opportunities, and teaches a simple, structured process for evaluating options, taking action, and learning from outcomes. The module also explores common barriers like peer pressure, emotions, and misinformation, and offers tools such as SWOT analysis and the “5 Whys” to strengthen critical thinking. Through real-life examples and practical school activities, KAFI leaders learn how to guide students in making informed, value-based decisions that build confidence, financial stability, and responsible leadership.
Mercy Chunga from Malawi Cohort 5 batch C group J
ReplyDeleteI've learned that decision-making and problem-solving are essential life skills for achieving financial success and leadership. By following a structured process of identifying problems, gathering information, evaluating alternatives, and reviewing outcomes, individuals can make informed choices that align with their values and goals. It's also crucial to recognize common barriers to good decision-making, such as peer pressure and emotional thinking, and to use tools like SWOT analysis and mind mapping to find creative solutions. By applying these skills, young people can build wealth, achieve financial stability, and become effective leaders in their communities. Effective decision-making involves thinking critically, avoiding impulsive choices, and learning from mistakes, ultimately turning challenges into opportunities for growth and success.
Name; Lesley mutua
ReplyDeleteCountry; Kenya
Cohort 5 Batch C group L
From this module, I discovered that making informed decisions is a crucial skill since every financial action—whether it’s saving, spending, taking a loan, or investing—affects long-term stability. I now have a clear understanding of the six-step decision-making process, which involves collecting information, weighing different choices, selecting the best option, implementing it, and reflecting on the outcome. The module also equipped me with practical problem-solving techniques such as clearly identifying a problem, understanding its root causes, brainstorming possible solutions, and applying tools like SWOT analysis and the 5 Whys. I learned how obstacles like peer influence, emotions, fear, or false information can result in poor choices, and why critical thinking and seeking advice are important. I also understand how to use good decision-making in areas like budgeting, borrowing, saving, and investing, and how everyday challenges such as limited income or debt can be addressed with proper planning and action. Lastly, I learned about simple classroom activities—like using decision trees, group tasks, and role-plays—that help learners strengthen their decision-making and problem-solving abilities.
Angela Mpala
ReplyDeleteZimbabwe 🇿🇼
Cohort 5 Batch C Group I
Effective decision-making is a critical life skill, especially for financial success, involving a structured six-step process from identifying the problem/goal to reviewing and learning from the outcome, ensuring choices align with long-term values rather than short-term emotions or peer pressure. Problem-solving is a related skill used to find effective solutions to challenges (like debt or low income), utilizing tools like SWOT analysis or the 5 Whys technique to find root causes. Ultimately, wise financial and personal decisions, when applied consistently, prevent costly mistakes, build stability, and strengthen leadership influence, enabling young leaders to guide others toward informed, value-based choices.
Full Name: Jackson J. W. Johnson
ReplyDeleteCountry: Republic of Liberia
Cohort: 5 (Batch C)
In this module, I learned that decision-making and problem-solving are essential skills for financial success and leadership. Every choice we make whether saving, spending, borrowing, or investing shapes our future. I learned the six steps of effective decision-making: identifying the problem, gathering information, evaluating options, choosing the best alternative, taking action, and reviewing the results. The module also showed how problem-solving tools like SWOT analysis, mind mapping, and the 5 Whys help address challenges wisely. I now understand the barriers to good decisions such as peer pressure, fear, emotions, and lack of information. Applying these skills to financial decisions leads to better budgeting, responsible borrowing, and long-term planning. Through the case studies, I saw how wise choices open opportunities while poor decisions create setbacks.
Name: BRIAN CHIYANDA
ReplyDeleteCountry: ZAMBIA
MODULE 4
Cohort 5, Batch A
Group A
DAY 6
Decision Making & Problem Solving
Decision making is the process of choosing the best course of action from several options.
It's important because it builds confidence, prevents costly mistake and
strengthens leadership
The process of making decisions, identify the problem, gather information, evaluate alternative, choose the best option, take an action , review and learn. problem-solving requires critical thinking, creativity, and teamwork to find practical and lasting solutions. This module helped me realize that good decisions are based on clear goals, accurate information, and careful evaluation of outcomes.
Ropafadzo Abigail Tambara
ReplyDeleteCohort 5
Zambia
This module equips a student on information based on development of essential decision making and problem solving skills which are all characteristics that a good business leader should have . This module has made us understand that decision making is the proceeds of choosing what is the right type of action to particular situations. Good decisions shape financial growth , help one to have results , prevents unwise spending , helps strengthen self leadership hence making it a good start for someone to be a good world leader . It is also important to keep track of your decisions and to maintain consistency because every decision that is made is like a seed that will show a good or bad produce depending on the type of decision made . We have also learnt that there is a process in decision making which include identification of a problem , brainstorming of information and gathering them , comparing of decisions based on the swot analysis of all of them and taking action based on feedback . Problem solving is the process of finding effective ways to solve an issue or to provide effective solutions that are aimed to improve the particular issue at hand. It requires focus so that in your vision you do not come up with solutions that contradict or are not useful to solve the particular problems. It all starts with seeing the. Problem with an entrepreneurial eye that believes that a problem can be solved and then coming up with unique ideas to solve the problem. Problem solving also involves knowing challenges in financial management eg debt , loans , bad saving and also know how to identify these problems , know what causes them and how to solve them and acting towards solving them . Key features That can help in problem solving are swot anysis , the 5 why techniques to know why the problem exists , brainstorming an mind making to combine the ideas . It is also wise for a leader to know some of the problems or barriers so as to have a starting point to solve them , some of the barriers include peer pressure to overspend , fear of failure that limits one to present a good idea , lack of information on how to solve issues and making decisions based on poor emotional control eg when a business has challenges , not having resilience to accept the risks and move on . The other challenge is short term thinking , this makes a business stagnant instead of moving from one stage to another . The golden rule we have also learnt is that we should not make permanent financial decisions that are bad and make them based on temporary emotions or problems that are solvable.
I have learn that smart financial decisions come from planning, not emotions. Needs to budget carefully, borrow only when you fully understand the terms, save and invest with awareness of risks, and give in ways that reflect your values. In real life, challenges like low income or debt can be handled by finding extra income, making repayment plans, or seeking advice. .
ReplyDeleteThis comment has been removed by the author.
ReplyDeleteLintso
ReplyDeleteLesotho
Cohort 5 Batch C
Group M
I have learnt that decision making is the heartbeat of the business. It's about weighing options, trusting my instincts and taking calculated risks. Before making decisions I have to follow some steps like specifying a goal I need to achieve, gather information about the target goal and evaluate if it is really achievable. As a young leader I should be strong enough to overcome the challenges that may come my way. As a KAFI leader I should plan ahead activities that makes them to make some critical decisions and problem solving
My name is Jackson Mbazima, and I am from Zambia. I am part of the KAFI Financial Literacy Program, Cohort 5, Batch C.
ReplyDeleteDecision-making involves choosing the right course of action from a list of options. Every decision you make can either reward you or cost you. Having strong decision-making skills boosts your confidence, helps prevent costly mistakes, and fosters effective leadership. To make a decision, you need to gather information, brainstorm ideas, and conduct a SWOT analysis on those ideas, ultimately choosing the one that aligns with your values.
Problem-solving is another crucial aspect of leadership, as it involves finding solutions to various challenges. To solve a problem, you should follow several steps: define the problem, gather information about it, brainstorm potential solutions, and then implement the best option. You can use tools like SWOT analysis, mind mapping, brainstorming, and the "5 Whys" technique to uncover the root cause of the issue.
In conclusion, decision-making and problem-solving are essential skills for leaders, particularly financial literacy leaders. These skills enable leaders to identify problems, make informed decisions, and implement the best solutions that will create a positive impact.
Name: Gladys Disemba
ReplyDeleteCountry: Malawi
Cohort 5 (Group I)
Batch C
In summary
I have learned that decision-making and problem-solving are essential life skills for financial success and leadership. They help one create opportunities. Decision-making is crucial for young leaders, as it needs to be applied every day to shape financial stability, develop confidence, avoid repeated mistakes, and strengthen leadership skills. It's also an important skill if you want to grow financially, as you apply it in budgeting, investing, or borrowing funds. Problem-solving is also important, as it helps you rise up from mistakes that made you fall by developing solutions to them. It's crucial to teach this skill in schools so that young people can learn to make proper financial decisions and grow up with them, thereby impacting their communities.
Victoria Penembe
ReplyDeleteMalawi
Cohort 5 Batch C
Decision-making involves selecting the best course of action from available alternatives, and each financial decision one makes in life-whether to save, to spend, to borrow, or to invest-includes a component of this skill. Good decisions shape financial stability, build confidence, and strengthen leadership. Decision making might be considered to proceed effectively and logically: identify the problem, gather information, compare options, select the best, act upon it, review the results. Problem-solving helps turn challenges into opportunities through finding root causes and evaluating solutions. Young people must avoid barriers such as peer pressure, emotions, misinformation, and short-term thinking. By thinking critically, planning wisely, and applying these skills in daily life, individuals are empowered to make wiser financial choices and help others do the same.
Zechariah kparsuah jr
ReplyDeleteLiberia
Cohort 5
Personal Summary
Every day, I make choices that affect my life—how I spend money, who I trust, and what goals I set for myself. I’ve learned that good decisions open doors, while bad ones can hold me back. This module on decision-making and problem-solving has helped me think more clearly and carefully about the options I have, so I can pick what really fits my values and what I want for the future.
I know that making smart financial decisions isn’t just about money—it’s about building confidence and becoming a better leader. I want to use these skills not only for myself but also to help others around me make better choices. I’m ready to learn from my mistakes and keep improving every day.
NAME: BAILACK JOICELINE
ReplyDeleteCOUNTRY: CAMEROON
COMMENT: in this module, i have learned that the decision-making process involves choosing the best actions to achieve specific goals. it consists of identifying a problem in the community , from there you gather enough information which may involve asking questions, evaluating the responses and from here you choose what works best, take action now and quick reviewsNAME: BAILACK JOICELINE
COUNTRY: CAMEROON
COMMENT: In this module, I learned that the decision-making process involves selecting the best actions to achieve specific goals. It starts with identifying a problem in the community. From there, you gather sufficient information, which may include asking questions and evaluating the responses. Based on this, you choose the most effective solution, take action promptly, and conduct quick reviews afterward.
Pascaria Musengya Muthiani
ReplyDeleteKenya
Cohort 5 Batch C Group J
Every decision you make is a seed,it detemines what you shall reap tomorrow. In this module I have learnt of strategy to apply while making decisions; identify problems, gather information, evaluate options, choose the best,take action, review and learn. Problem solving is finding effective solution to a challenge. It involves identifying problem, finding possible root causes, brainstorming possible solutions, choosing the best and taking action. As young person may be barred to making good decision due peer pressure, failure of failure or over confidence,lack of information or misinformation, emotions or thinking short term. As KAFI leader while teaching students decision and problem solving you may; group them and assign problem to solve, journal the decision made in a week or us decision tree game. In conclusion decision making and problem solving are determinors of effective leader.
Name: yamikani chaona
ReplyDeleteCountry: malawi
Cohort 5 batch C
I have learned that good financial decision-making requires me to think before I act. When borrowing, I must fully understand the terms to avoid future stress. When saving or investing, I should weigh the risks and rewards so I can choose options that benefit my future. I also learned that giving is more meaningful when I support causes that reflect my values. The golden rule reminded me that I should never make permanent financial decisions based on temporary emotions.
I now understand that real-life problems like low income, debt, conflict, or academic challenges can be managed with practical solutions such as learning new skills, planning repayments, communicating better, seeking mentorship, and staying focused on improvement.
As a KAFI Hub leader, I learned that teaching others about decision-making should be active and fun. Using tools like decision tree games, group problem-solving, reflection journals, and role-plays helps students think critically and make wiser choices in their own lives.
Name: BRIAN CHIYANDA
ReplyDeleteCountry: ZAMBIA
MODULE 4
Cohort 5, Batch A
Group A
DAY 6
Decision Making & Problem Solving
Decision making is the process of choosing the best course of action from several options.
It's important because it builds confidence, prevents costly mistake and
strengthens leadership
The process of making decisions, identify the problem, gather information, evaluate alternative, choose the best option, take an action , review and learn. problem-solving requires critical thinking, creativity, and teamwork to find practical and lasting solutions. This module helped me realize that good decisions are based on clear goals, accurate information, and careful evaluation of outcomes.
Toka faith ziganubari
ReplyDeleteNigeria
Cohort 5
Group L
This Module is one of my favourite too I learnt that problem-solving is not about avoiding challenges but about breaking them down, finding the root causes, and creating practical solutions. Whenever I face a difficult situation, I pause, reflect, and use critical thinking tools like asking “why” repeatedly or comparing alternatives. This helps me avoid mistakes, resist peer pressure, and make decisions I won’t regret later.
I also learnt that emotions can mislead me, so I try to slow down, breathe, and think with clarity instead of reacting quickly. Whether it’s budgeting, borrowing, saving, or choosing what to prioritize, I have learnt to look at the consequences first.
NAME: PRECIOUS CRISPIN KAMOWA
ReplyDeleteCORHOT: 5
GROUP: P
BATCH: D
COUNTRY: MALAWI
Decision making and problem solving are essential skills in both personal and professional contexts. Effective decision making involves a systematic approach, including identifying the issue, gathering relevant information, evaluating alternatives, and considering potential outcomes. This process not only leads to better choices but also fosters accountability and confidence. Problem solving, on the other hand, requires creativity and resilience, enabling individuals to navigate challenges and adapt to changing circumstances.
Together, these skills enhance critical thinking and promote innovative solutions. Ultimately, honing decision-making and problem-solving abilities empowers individuals to tackle obstacles proactively, drive progress, and achieve their goals, whether in entrepreneurship or everyday life.
Cebisani Manqele
ReplyDeleteSouth Africa 🇿🇦
Batch b
Cohorts 5
Group n
This module empowers young people with advanced critical thinking sound judgment and strategic problem-solving abilities that drive financial and personal excellence. It provides structured high-level methods to evaluate options resist negative influence and make informed forward-looking decisions. Learners emerge with the confidence and capability to navigate complex challengesexecute wise financial choicesand influence others through disciplined goaloriented leadership
Faith Abigael
ReplyDeleteKenya
Group P Cohort 5 Batch D
Key Take Aways:
emotions can mislead me, so I try to slow down, breathe, and think with clarity instead of reacting quickly.
decision-making and problem-solving shapes the personal growth and success of every leader
Good decisions build stability and opportunities, while poor ones create setbacks.
Needs to budget carefully, borrow only when you fully understand the terms, save and invest and being aware of risks.
Emilly Atieno Oyatta
ReplyDeleteKenya
Cohort 5
Batch D
Making decisions and problem-solving are essential life skills that influence a young person's capacity for leadership, confidence, and financial security. This subject explains to students how every decision they make, including borrowing, investing, saving, and spending, has an impact on their future. Young people can make well-informed decisions that are consistent with their beliefs by following systematic stages like setting goals, obtaining information, weighing options, making informed decisions, acting, and reviewing results. SWOT analysis, the "5 Whys," and mind mapping are examples of problem-solving techniques that can be used to deal with difficulties including financial constraints, debt, or academic failures. Understanding frequent obstacles, such as peer pressure, fear, false information, emotions, and short-term thinking, enables students to take a moment to reflect, think critically, and seek advice before making crucial decisions.
The program enables students to apply these concepts to financial decisions such as borrowing, investing, saving, and budgeting through real-world examples. Examples from everyday life show how wise choices lead to opportunities while bad ones result in setbacks. Through exercises like role-playing scenarios, group challenges, decision-tree games, and reflection journals, KAFI leaders can strengthen learning. In the end, students learn that responsible choices result in long-term success and that skilful problem-solving turns challenges into chances for personal development.
Francis Dennis Maudzu
ReplyDeleteMalawi
Cohort 5 (Group O)
Batch D
In this module, I've learnt about decision making as the process of choosing the best course of action from several options. In the process of making these decisions there are six stages/steps to be followed as 1. Identifying the problem /goal 2. Gather information, 3. Evaluate alternatives, 4. Choose the best option, 5. Take action and last Review and learn.
Problem solving in the other hand is the process of finding effective solutions to financial challenges. Peer pressure and lack of information are some of the barriers to good decisions. As KAFI leaders, we need to teach others to think critically and act wisely.
Kunda Ngosa
ReplyDeleteZambia
Cohort 5 ( Group P)
Batch D
Lesson: Decision Making is important as it shapes your financial stability and career path; builds confidence and independence; prevents costly mistakes; strengthens leadership and influence.
Good decisions start with a clear understanding. Before acting, you must clearly understand the problem. Misunderstanding the issue leads to poor decisions. Break big problems into smaller parts. Complex challenges become easier when broken down. Learn from mistakes, no decision is perfect. Reflecting on what worked or failed improves your judgment for future challenges. Take responsibility for your choices.
Accountability builds maturity and leadership. Owning your decisions increases trust and credibility. Be flexible and willing to adjust.
Don’t make permanent financial decisions based on temporary emotions.
Every decision is a seed; what you plant today determines the harvest you’ll reap tomorrow.
Gabriel Vitumbiko Nyondo
ReplyDeleteMalawi
Cohort 5
Batch D
I have learnt that decision making and problem solving are essential life skills for financial success and leadership. Infact, good decisions create opportunities, while poor ones lead to setbacks. The decision making process involves identifying a problem, gathering information, evaluating options, choosing the best solution, taking action, and reviewing results.
I have also learnt that problem solving requires defining challenges, identifying causes, brainstorming solutions, and acting wisely using tools like SWOT analysis and the "5 Whys" technique. Common barriers to good decision making include peer pressure, emotions, lack of information, and short term thinking.
It's therefore important to apply decision making principles to financial decisions, such as budgeting, borrowing, saving, and investing. It's important to teach others to think critically and act wisely, using activities like decision tree games, group challenges, and reflection journals.
Every choice has consequences and therefore it's important to think before acting. Follow structured steps for better decisions. Use problem solving to turn challenges into opportunities. Avoid emotional or peer influenced decisions. Teach others to think critically and act wisely.
Brian Mateli
ReplyDeleteKenya
Cohort 5, Batch D, Group N
I learned that good decisions lead to financial success and leadership. Effective decision-making involves identifying a problem, gathering information, comparing options, acting, and reviewing outcomes regularly to assess the progress and make adjustment where need be. Problem-solving helps turn challenges into opportunities or problems to solutions using tools like SWOT and the mind mapping. Avoid emotional or peer-pressured choices. Thinking critically leads to smarter life and financial decisions.
Thandiwe Mtonga
ReplyDeleteZambia
Cohort 5
Batch D
Group R
I have learnt that every choice has consequences, so I need to think before acting and used structured steps for better decisions like wise spending , prioritizing needs, understanding loan terms and understanding the risk vs reward.
Short term thinking, peer pressure,lack of information and fear are some things that obstruct good decisions and I need to look out for them
And to navigate financial challenges,such as low income problem solving skills are vital
Name:
ReplyDeleteMiller Mshanga
Country:
Zambia
Cohort:
5
Batch:
D
Summary:
I have learnt that every decision we make affects our future, especially with money. Good decisions help us grow, while poor ones can bring problems. I learnt that decision-making involves steps like identifying a problem, gathering information, comparing options, choosing wisely, taking action, and reviewing the outcome. I also learnt how to solve problems by finding the cause, thinking of solutions, and choosing the best one. This module taught me to avoid emotional and peer-pressured decisions, and instead think carefully and long term. Good financial choices like saving, budgeting, and planning help us succeed in life.
OLERILE PHILLIP
ReplyDeleteBOTSWANA 🇧🇼
COHORT 5 BATCH D group Q
This module strengthened my understanding that every decision—financial or personal—is a seed that shapes tomorrow’s harvest. I learned how structured thinking transforms choices: defining the problem, gathering facts, evaluating options, and acting with clarity. The module also sharpened my problem-solving mindset, reminding me that challenges are invitations for creativity, not panic. It highlighted the traps young leaders must avoid—peer pressure, emotions, and rushing—and showed how critical thinking can turn setbacks into breakthroughs. Most importantly, it challenged me as a leader to guide others with the same discipline: helping students pause, reflect, and choose wisely. This is how we build confident, responsible decision-makers in our schools and communities.
- Full name: Joseph Freeman
ReplyDelete- Country: Sierra Leone
- Cohort: 5
- Batch: D
- Group: O
Summary of what I've learned:
I've learned that decision-making and problem-solving are essential life skills for financial success and leadership. Decision-making involves choosing the best course of action from several options, and it's crucial for shaping financial stability, building confidence, and preventing costly mistakes.
Key takeaways include:
- The decision-making process involves identifying the problem, gathering information, evaluating alternatives, choosing the best option, taking action, and reviewing and learning
- Problem-solving involves defining the problem, identifying possible causes, brainstorming solutions, evaluating and selecting the best one, and acting and monitoring progress
- Common barriers to good decisions include peer pressure, fear of failure, lack of information, and emotional decision-making
- Good financial decisions build wealth, while bad ones create stress
- Teaching decision-making and problem-solving skills to others involves using practical, fun activities like decision tree games, group problem challenges, and reflection journals
I've also learned about the importance of thinking critically, avoiding emotional or peer-influenced decisions, and using problem-solving to turn challenges into opportunities.
Overall, I've learned that decision-making and problem-solving are skills that can be developed with practice and patience, and they are essential for achieving financial success and becoming a effective leader.
Brima Kargbo Sierra Leone 🇸🇱
ReplyDeleteCohort 5
Batch D
Group B
In the case studies of this module, I understood that wise choices, like Sarah saving for a laptop, lead to long-term benefits, while emotional or peer-influenced decisions, like David’s, can cause regret.
Rahila Kwakwai Jimmy
ReplyDeleteNigeria
Cohort-5
Short summary- I learned that decision making involves gathering information and addressing challenges with confidence. Good leadership is about responsibilities not just a title. Before making a decision identify the problems, think of possible solutions.
This comment has been removed by the author.
ReplyDeleteAndrew Mufutu Astwenje
ReplyDeleteKenya
Cohort 5
I have learned the following;
Good decision making , Barriers to good decision b
Financial decisions making
Problem solving in the real life
Name: Daniel Deng Aruop Deng
ReplyDeleteCountry: South Sudan
KAFI HUB: Cohort 5
Batch D group O
Summary on:
Investing Basic
Investing empowers young people to grow wealth, beat inflation, and achieve long-term goals. This module teaches the difference between saving and investing, types of investments, risk management, and the power of compound interest. It emphasizes starting early, diversifying, and educating others.
KAFI leaders are encouraged to simplify concepts, use analogies, and promote investment culture in schools and communities to foster financial freedom and reduce poverty. Through real-life case studies and practical tools, young leaders learn to invest wisely, inspire peers, and build sustainable futures for themselves and their communities. Investing is a pathway to empowerment, not just profit.
Hezekial Marete
ReplyDeleteKenya
Cohort 5
SUMMARY
I realized that effective decision-making is a structured process essential for both financial and personal success. It requires setting clear goals, gathering relevant information, weighing different options, and selecting the choice that best reflects one’s values. For example, saving for a laptop that supports freelancing instead of spending impulsively on shoes lays the foundation for future income. This disciplined approach helps overcome challenges such as peer pressure and short-term emotional influences.
Name: fatuma juma
ReplyDeleteCountry: kenya
Cohort 6
Batch B
Group j
Decision making is choosing the best course of action from several options.
This action helps in building confidence, shaping financial stability, strengthening leadership.
The process in decision making involves:
- identification of the problem
- information gathering
- evaluate alternative
- chose the best from alternative
- bring it to action
Problem solving on the other hand is finding effective solutions to challenges.
This needs proper care as it may lead to your downfall if poorly attended to.
Decision making and problem solving is applicable mostly in budgeting, borrowing loans, savings.
Name : Mercy Kasaya
ReplyDeleteCountry: Kenya
Cohort:6 Batch A
This topic focuses on developing skills to make informed decisions and solve problems effectively. It covers identifying challenges, evaluating options, weighing risks, and choosing the best solutions to achieve personal, business, or organizational goals.
- Full Name: Sebabatso Makhetha
ReplyDelete- Country: South Africa
- Cohort: 6 (Batch B)
- Short Summary:
In this module I learned that building strong decision making and problem-solving skills are essential tools for financial success, personal growth, and leadership for young leaders. And that every financial and life choice—spending, saving, borrowing, or setting goals, is shaped by the quality of decisions we as leaders make each and every day. Good decisions create opportunities, while poor ones lead to setbacks.
Name:Doreen Kajuju
ReplyDeleteCountry :Kenya
Cohort:6
Group :C (Curious minds)
Batch: A
From the Decision Making & Problem Solving module, I have learnt that every financial and life outcome is shaped by the quality of decisions we make. Good decision-making builds financial stability, confidence, and leadership, while poor decisions lead to stress and missed opportunities.
I learnt the structured steps of effective decision-making, which include identifying the problem, gathering information, evaluating alternatives, choosing the best option, taking action, and reviewing outcomes. The module also taught me how problem-solving tools such as SWOT analysis, the 5 Whys technique, and mind mapping help identify root causes and create sustainable solutions.
Additionally, I now understand the common barriers to good decisions, including peer pressure, emotional thinking, misinformation, and short-term focus. As a financial literacy leader, this module equips me to guide young people in making informed, value-based financial choices that turn challenges into opportunities.
Full Name: Teddy Sikakena
ReplyDelete- Country: Zambia
- Cohort: 6
- Batch: A
Group E
Decision-making and problem-solving are essential life skills that help young people make wise financial and personal choices. Every decision, whether about saving, spending, borrowing or investing, has lasting consequences that shape one’s future. Good decisions create opportunities and build financial stability, while poor ones lead to stress and setbacks. Learning to make sound decisions strengthens leadership, confidence and independence.
The decision-making process involves identifying a problem, gathering information, evaluating options, choosing the best course of action, implementing it and then reviewing the results. This structured approach allows individuals to think critically and act responsibly. Similarly, problem-solving requires clearly defining challenges, exploring possible causes, brainstorming solutions, and applying the most effective one. Useful tools like SWOT analysis and the “5 Whys” technique help in finding root causes and making better judgments.
Young people often face barriers to good decision-making, such as peer pressure, fear of failure, lack of information, or emotional influences. Overcoming these challenges requires self-discipline, reflection and consulting mentors or reliable resources before acting. In financial matters, it is vital to make decisions based on long-term goals rather than temporary emotions, especially when budgeting, borrowing, saving or investing.
Practical examples from real-life cases show how effective decision-making and problem-solving can lead to success. Sarah chose to save for a laptop instead of buying shoes, which later helped her earn income. On the other hand, David’s poor financial choice under peer pressure led to debt problems, teaching the importance of long-term thinking. Aisha, through problem-solving, improved her club’s attendance by addressing the root cause poor meeting timing.
From this module, I learned that decision-making and problem-solving are critical skills for financial success and effective leadership. Every choice we make how we spend, save, borrow, or plan has consequences that can either create opportunities or cause setbacks. I learned that good decisions require a clear process: identifying the problem, gathering information, evaluating options, choosing wisely, taking action, and reviewing outcomes. This structured approach helps avoid impulsive and emotional decisions.
ReplyDeleteThe module also taught me that problem-solving involves understanding root causes, exploring solutions, and using tools like SWOT analysis and critical questioning. I learned that common barriers such as peer pressure, fear, misinformation, and short-term thinking can weaken decision-making if not managed carefully. Applying these skills to real-life financial situations like budgeting, debt management, and career planning builds confidence and independence. Overall, I learned that thoughtful, value-based decisions strengthen leadership, improve financial stability, and enable young people to guide others toward wiser choices in schools and communities.
NAME: MARIE ELLEN COLLEY
ReplyDeleteCOUNTRY: THE GAMBIA
COHORT 6: (GROUP C)
BATCH A
Short summary on Decision making and problem solving.
When you have an excellent decision making and problem solving skills, you will have smart life choices. Good decisions brings opportunities, while bad ones cause setbacks. To solve problems efficiently, you will have to make effective decisions to find solution to challenges.
Name: Brivin Muia
ReplyDeleteCountry: Kenya
Cohort:6
Batch: A
Short Summary:
Decision making shapes one's financial stability and career path and also builds confidence &independence. we should understand and train youths on decision making process in order to have efficiency in our firms.
As KAFI leaders we should overcome the barriers to good decisions one of them being, peer pressure. The solutions are: pausing, critical thinking and consultation from trusted sources or mentors.
- Full Name: Tendaishe Mangena
ReplyDelete- Country: Zimbabwe
- Cohort: 6 Batch A Group E
- Short Summary: Decision Making & Problem Solving
I've learned that decision-making and problem-solving are crucial life skills for financial success and leadership. Good decisions create opportunities, while poor ones lead to setbacks.
Key Takeaways:
- Decision-making involves choosing the best course of action from several options.
- Effective decision-making follows six key steps: identify the problem, gather information, evaluate alternatives, choose the best option, take action, and review results.
- Problem-solving requires defining the issue, finding the cause, brainstorming solutions, and acting wisely.
- Barriers to good decision-making include peer pressure, emotions, lack of information, and fear of failure.
- Good financial decisions build wealth, while bad ones create stress.
Name: Abariche Emelia
ReplyDeleteCountry: Ghana
Cohort: 6
Batch: A
Summary:
I have learnt that effective decision-making and problem-solving are essential skills for financial success and leadership. Making informed choices involves identifying goals, gathering information, evaluating options, taking action, and reviewing outcomes. Problem-solving requires analyzing challenges, brainstorming solutions, and monitoring progress. I also learnt to avoid barriers like peer pressure, emotions, and misinformation, and to apply these skills in financial decisions such as budgeting, saving, borrowing, and investing. Teaching others to think critically and make wise choices multiplies impact and builds strong leadership.
NAME:NIYIBITANGA STRATON
ReplyDeleteCOUNTRY:BURUNDI
COHORT:6
In entrepreneurship,every decision is a seed:what you plant today determines the harvest you will get tomorrow.This shows that decision-making is one of the most essential part of growing a business successfully.Effective decisions require clear thinking and structure.This module help me define problem solving as the process of finding effective solutions to challenges.In personal finance,this means how to manage dept,balancing budgets or finding new income sources.This module also skilled me of some garriers to good decisions such as peer presdure,social influence,fear of failure, or overconfidence,lack of informations,emotions decision-making,...It is advisable to do not make permanent financial decisions nases on temporary emotions because motions do not built a business rather they destroy it.Building a succession business requires to make wise decisions.
Frankline Gor
ReplyDeleteKenya
Cohort 6 Batch A
Decision making is the ability to picking a possible solution from various options. Good decision making
Shapes financial stability,
Builds confidence, independence,
Prevents costly mistakes and
Strengthens leadership. When making decisions we first Identify the Problem then
gather Information to Understand facts, risks, and options after we evaluate Alternatives based on costs and consequences. We finally
choose the Best Option and
take Action. Problem-solving requires analyzing challenges, brainstorming solutions, and monitoring progress. I also learnt to avoid barriers like peer pressure, emotions, and misinformation, and to apply these skills in financial decisions such as budgeting, saving, borrowing, and investing. Teaching others to think critically and make wise choices multiplies impact and builds strong leadership.
Full Name: Claytos Chimoto
ReplyDeleteCountry: Zimbabwe
Cohort: 6
Batch: A
Decision making and problem solving are very important to develop a sustainable basis of young leaders. Decision making defines choosing best alternatives to accomplish financial inclusion goals. Good leadership means making data-based and results-driven decisions. The application of SWOT, PESTEL and SCAMPER analytic techniques support creative and critical thinking in rational decision making. Problems are opportunities for rational leaders to creatively and collectively make decisions . Value based leadership in financial leadership ensure that audience pain points are identified and ethically solved using a rational decision making approach. Decision making and problem solving ensure that youths empathize with communities and become part of the solutions to everyday challenges. Practice and practical application make a difference in decision making and problem solving since it validates the systems and ways to address community challenges.
Name: Christine Ndunge
ReplyDeleteCountry: Kenya
Cohort: 6
Batch: B
I have learned that good decision-making and problem-solving skills are key to financial success and leadership. Every choice we make has consequences, so it is important to think carefully, gather information, and consider long-term effects before acting. Using clear steps, avoiding emotional or peer pressure decisions, and learning from outcomes helps us make wiser choices and guide others better.
Name: Ntsane Mosanteli
ReplyDeleteCountry: Lesotho🇱🇸
Cohort: 6
Decision Making and Problem Solving module equips young people with essential life skills for financial success and leadership. It covers understanding decision-making, identifying steps in effective decision-making, and applying critical thinking to financial and personal challenges.The application of SWOT, PESTEL and SCAMPER analytic techniques support creative and critical thinking in rational decision making. Problems are opportunities for rational leaders to creatively and collectively make decisions . Value based leadership in financial leadership ensure that audience pain points are identified and ethically solved using a rational decision making approach. Decision making and problem solving ensure that youths empathize with communities and become part of the solutions to everyday challenges. Practice and practical application make a difference in decision making and problem solving since it validates the systems and ways to address community challenges.
Name: Jasper Opio
ReplyDeleteCountry: Uganda
Cohort 6 (KAFI GROUP A)
In this session, I gained valuable insights into decision making and problem solving, two skills that are critical not only in business but also in daily life. I learned that effective decision making requires a clear understanding of the problem, gathering accurate information, and evaluating alternatives carefully before taking action.
This module emphasized structured problem solving techniques, including identifying root causes rather than just symptoms, thinking critically, and considering both short term and long term consequences. I realized that impulsive decisions often lead to avoidable challenges, while a systematic approach increases the chances of achieving successful outcomes.
Personally, this module made me reflect on situations in my life and work where I may have rushed decisions without proper analysis. Now, I feel more equipped to approach problems logically, weigh options objectively, and choose solutions that are both practical and sustainable. This lesson has strengthened my confidence in tackling challenges and making informed decisions that can positively impact my future endeavors.
Audrey Mutale
ReplyDeleteZambia
Cohort 6
Batch A
I have learnt that decision making determines how my tomorrow will be or shapes my future.
As future leaders critical thinking helps analyse which impacts to go for, whether long term or short term.
Problem solving in financial literacy programs is vital when
Identify, avoid making statements, and analyse.
Involve peers.
SWOT Analysis is an analytical tool that can be used..
I have to understand that I formed decision making and problem solving improves my growth, be mentored and students are encouraged to to make informed decisions about financial literacy.
Therefore as we make decisions, we should look at the long term challenges or opportunities.
Name : shamim chatama
ReplyDeleteCountry : Malawi
Cohort : 6
Batch. : B
Group. : I
Decision-making and problem-solving are core skills for financial success and effective leadership. Every choice—spending, saving, borrowing, or investing—has long-term consequences. Strong decisions follow a clear process: identify the goal or problem, gather information, evaluate options, choose wisely, act, and reflect.
Critical thinking helps overcome barriers such as peer pressure, emotions, and short-term thinking. Practical tools like SWOT analysis, the 5 Whys, and real-life reflection strengthen problem-solving. When taught through interactive activities, these skills empower young people to make informed, value-based decisions and lead positive change in their communities.
Kodjo Nukunu Emmanuel ADOGLI
ReplyDeleteTogo
Cohort 6
Batch A
For a young leader to be effective, decision-making and problem solving are skills which help them be more disciplined and create trust . Moreover, these skills are beneficial not only for young leaders, but also and mostly for their community. The SWOT analysis has enabled me to know myself more and be more productive, focussing on daily improvements and critically examine each action and idea.
Name: Sheril Olal
ReplyDeleteCountry: Kenya
Cohort: 6
Batch: B
Group: H
I have learned that decision-making and problem-solving are essential skills for financial success and effective leadership. Every choice—especially financial ones—has consequences, so using a clear, structured process helps avoid mistakes and create better outcomes. I also learned that critical thinking, gathering information, evaluating options, and managing emotions are key to making wise decisions. By applying these skills and teaching others to do the same, young leaders can turn challenges into opportunities and guide their communities toward informed, value-based choices.
Name: Ongezwa Mlambo
ReplyDeleteCountry: South Africa
Cohort: 6
Batch: A. Group: D
Decision making and solving problems, are not done by the way you look, or how good you are. Good character, ambitious person, humble person.
You don't need to have an experience, to make decisions, if you respect for others and you take responsibility for your action, and you act towards achieving the goals. We learn differently it takes a good character to be the decision maker.
You don't get to manage people by emotions, everything you do it has to have a reason for it. Every decision has consequences. You seek help when needed, you put people together.
Full Name: Owino Mercy Atieno
ReplyDeleteCountry: Kenya
Cohort: 6
Decision-making and problem solving are important issues in understanding financial literacy.
Making informed decisions and resolving disputes or any other issues that may arise determines the success of any organisation.
It is important to understand both decision-making and problem solving processes and the challenges young people in leadership may face in making decisions and solving problems.
Name: Lizzy Zizila
ReplyDeleteCountry: Zambia
Cohort: 6
Batch: A
I have learnt that problem solving is the process of finding an effective solution to a challenge. In the process of problem solving, choose the alternative solution, take action and review and learn. I have also learnt that decision making is the process of choosing an alternative solution among many. Decision making and problem solving is important in financial literacy as it helps entrepreneurs stay grounded and disciplined with their business and funds.
Name: Christine Ndunge
ReplyDeleteCountry: Kenya
Cohort: 6
Batch: B
Topic: Decision Making & Problem Solving
I have learned that good decision-making and problem-solving are important life skills that affect our money, goals, and leadership. Every choice we make has consequences, so it is important to think carefully, gather information, and consider long-term effects before acting. By avoiding peer pressure and emotional decisions, and using clear steps to solve problems, we can make better choices and help others do the same.
Kevin Wamalwa Manyonge
ReplyDeleteKenya
Cohort6 Batch A
The Decision Making and Problem Solving module equips young people with essential life skills for financial success and leadership. It covers understanding decision-making, identifying steps in effective decision-making, and applying critical thinking to financial and personal challenges.
Key barriers to good decisions are highlighted, such as peer pressure, fear, lack of information, emotional decision-making, and short-term thinking. The module applies decision-making principles to financial decisions, including budgeting, borrowing, saving, investing, and giving.
Problem-solving scenarios are explored, such as managing debt, balancing budgets, and finding new income sources. Practical activities for teaching decision-making and problem-solving are suggested, like decision tree games and group problem challenges.
Case studies illustrate the application of these principles, including Sarah's decision to save for a laptop, David's experience with peer pressure and borrowing, and Aisha's problem-solving leadership. The module emphasizes thinking critically, avoiding emotional decisions, and teaching others to do the same, leading to informed decisions, financial stability, and leadership skills.
Name : Ijeoma Joy Ezegbulam
ReplyDeleteCountry: Guinea
Cohort: 6 ( Batch A)
This module on Decision-Making & Problem Solving teaches young people how to:
- Think critically and make smart, structured decisions.
- Analyze options and evaluate situations logically.
- Overcome peer pressure and act confidently.
- Make informed financial choices.
- Solve personal and financial challenges effectively.
- Guide others in making responsible, goal-driven decisions.
It helps build strong leaders who can face challenges wisely and support others in doing the same.
Bora Rwarinda
ReplyDeleteUganda
Cohort 6 Batch A
From this module, I learnt that good decision-making is very important in both life and finances. Every choice we make, how we spend money, who we listen to, or what goals we follow, has results in the future. Good decisions open opportunities, while poor ones can bring problems and stress.
I learnt that making good decisions is a process. First, we must clearly understand the problem, gather the Right information, look at different options, choose wisely, act, and later reflect on the outcome. This helps avoid decisions made out of pressure, emotions, or fear.
I also learnt that problem-solving is about finding practical solutions, not blaming ourselves or others. Challenges like low income, debt, or conflict can be handled better when we think calmly, ask questions, and seek support or new ideas.
As a human-centered social entrepreneur and leader, this module reminded me to think long-term, stay guided by values, and help young people learn how to make wise choices. When people learn to decide well, they gain confidence, protect their future, and become better leaders in their communities.
Simon Shadreck Justen
ReplyDeleteMalawi
Cohort 6
Batch A
This module taught me that effective decision-making and problem-solving are crucial life skills for financial stability and leadership. The decision-making process involves six key steps: identifying the problem, gathering information, evaluating alternatives, choosing the best option, taking action, and reviewing the results. Problem-solving requires clear definition of issues, brainstorming solutions, and implementing effective plans using tools like SWOT analysis and the "5 Whys" technique. I learned to recognize and overcome common barriers like peer pressure, emotional impulses, and lack of information. Applying these skills to financial choices such as budgeting, borrowing, saving, and investing, helps avoid costly mistakes and builds long-term wealth.
PRINCESS OTUMANYE
ReplyDeleteUGANDA
COHORT 6
BATCH B
Decision making is a process of selecting among various alternatives. Every action in handling finances reflects a choice made. Effective decisions required critical thinking.
Problem solving is a process of finding solutions that address identified challenges. Problem solving tools include Swot analysis, 5 whys, and mind mapping. Factors hindering effective decision making in young people include peer influence, over confidence or fear for failure, limited information, inability tonthink critically.
Avoid making permanent financial decisions based on temporary emotions.
Juliet Mwatsaka
ReplyDeleteKenya
Cohort 6
Batch B
From this module I have learnt that Decision making and problem solving are essential life skills for financial success and leadership.
Every decision is a seed that is planted, therefore effective decision required clear thinking and structure.
I have also learnt the , problems can be solved by using the SWOT analysis or the "5 Whys" technique.
Good decision should be applied to budgeting, borrowing, saving and investment and giving, this, temporary emotions should not guide decisions.
Akem Aurelia Njang
ReplyDeleteCameroon
Cohort 6 B
This module reminded me that every decision, financial or personal is a vote for the future I am building. Good decision-making requires clarity, critical thinking, and the courage to pause before acting. When choices are guided by values rather than pressure or emotion, they create stability, confidence, and growth.
I learned that problem-solving is not about avoiding challenges but facing them with structure and intention. By breaking problems down, exploring options, and learning from outcomes, setbacks become opportunities. As a leader, this module strengthens my ability to make wise choices and guide others to do the same, because strong futures are built one thoughtful decision at a time.