Skip to main content
Home
  • About us
    • Our company
    • Our strategy
    • Our purpose
      • Our purpose
      • Our brands
      • Community investments
    • Governance
      • Governance structure
      • Board of Directors
      • Executive Committee
      • Governance documents
    • Compliance
      • Group Compliance
      • Insider Dealing
      • Code of Conduct
      • Speaking up
      • Workplace harassment prevention
      • Financial Economic Crime
      • Know your customer
      • Compliance documentation
  • Investors
    • Annual reports
    • Financial results
    • Presentations
    • Shareholder meetings
      • Annual General Meeting
      • Extraordinary General Meeting
    • Financial calendar
    • Dividend
      • Latest
      • Dividend history
      • Dividend policy
    • Share buybacks
    • Debt and ratings
      • Guiding principles
      • Debt programs
      • Senior notes
      • Capital securities
      • Fixing Schedule Perpetuals
      • Subordinated notes
      • Ratings
    • Investor information
      • Contact investor relations
      • Major shareholders
      • Retail US shareholders
      • Financial and shareholder FAQs
      • Share price tool
      • Financial calendar
      • Analysts
  • Media
    • All news
    • Contact media relations
    • Media kit
  • Sustainability
    • Our priorities
      • Climate change
      • Inclusion and diversity
    • Our approach
    • Our commitments
    • Our ratings
    • Our reports and policies
    • Business conduct
      • Human rights
      • Responsible investment
      • Responsible tax
      • Responsible procurement
      • Government and policy affairs
  • Careers
    • Vacancies
      • Search
    • Why Aegon
    • Inclusion & Diversity
    • Career development
    • Graduates and interns
  • Aegon country websites

    Select another Aegon website from the list of links below.
    • country flag
      Transamerica (USA)
    • country flag
      Aegon Spain
    • country flag
      Mongeral Aegon (Brazil)
    • country flag
      Aegon Asset Management
    • country flag
      Aegon in China
    • country flag
      Aegon United Kingdom

Research confirms value of 'From Debt to Opportunity' program

November 25, 2021, 16:06 CET
2 minutes

Breadcrumb

  1. All News

New research shows that the joint Nationale-Nederlanden and Aegon Nederland poverty and debt program, From Debt to Opportunity, improved the situations of three quarters of the participants. But people with large debts need the type of professional assistance that local authorities can provide.

Over 18,000 household in the seven Dutch cities ― Amsterdam, Arnhem, The Hague, Groningen, Leeuwarden, Rotterdam, and Zwolle ― have participated in the program over the last five years. There have been a total of 85 informal poverty and debt projects and a wide variety of participants, including young people, entrepreneurs, women from non-Dutch backgrounds, refugees, and single parents.  

Employees of NN and Aegon provided coaching and support. At Aegon, 450 Aegon employees from our offices in The Hague, Leeuwarden and Groningen volunteered their time and expertise.

Measuring effectiveness

Insurance group Nationale-Nederlanden launched the From Debt to Opportunity program (in Dutch, Van Schulden naar Kansens), in 2016. Aegon joined as the goals of reducing poverty caused by debt issues and promoting financial self-reliance fit our commitment to support the local communities in which we operate. 

One question is always asked about such programs. Does it actually have a lasting and positive effect on participants and their finances? The evidence suggests that it does.

During the last five years, research has been conducted by the Poverty Interventions Research Group at the Amsterdam University of Applied Sciences, into informal debt counseling in the Netherlands.  Researchers Roeland van Geuns and Jodi Mak presented the results of the unique study to a conference From Debts to Opportunities: Knowing What Works on November 25, 2021. 

Some 75% of From Debt to Opportunity participants indicated increased self-confidence and financial self-reliance. The research also showed that people with a relatively low debt – up to EUR 3,000 – are taking the biggest steps, particularly in the areas of self-confidence and self-reliance. And finally, the researchers make it clear that professional debt counseling in the Netherlands should be offered sooner.

The lessons learned during the program will be applied to the new version called Step Forward (Stap Vooruit) in 2022.

.

Related links (in Dutch)

Van Schulden naar Kansen Summary of the study and findings Trouw newspaper article

Follow Aegon

Sign up for our global newsletter Aegon UK Aegon the Netherlands Transamerica Contact our other businesses

Contact

  • Media relations
  • Investor relations
  • About us
    • Our company
    • Our strategy
    • Our purpose
    • Contact Aegon
  • Investors
    • Annual reports
    • Financial results
    • Presentations
    • Investor information
  • Media
    • All news
    • Media relations
    • Media kit
    • Newsletter sign up
  • Sustainability
    • Our approach
    • Our priorities
    • Business conduct
  • Careers
    • Search vacancies
    • Why Aegon
    • Career development
Site logo
  • Privacy statement
  • Cookie statement
  • Accessibility
  • Disclaimer
Aegon ©2025