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      Exploitation of people living in poverty; fair pay and interest on loans

      Lesson details

      Learning outcome

      I can explain how unfair wages and high-interest loans exploit people and responses to this.

      Key learning points

      1. Workers face poverty wages, poor conditions and exploitative loans trapping them in debt.
      2. Cases like Rana Plaza (2013) and 5,000% APR loans show widespread abuse.
      3. The Bible condemns unfair wages and exploitative lending, urging justice and compassion.
      4. Groups like Christian Aid and Fairtrade fight for fair pay, ethical trade and debt relief.
      5. Christians can respond through ethical choices, advocacy and supporting the vulnerable.

      Keywords

      • Exploitation - the unfair treatment or use of individuals or groups, often for profit, by taking advantage of their vulnerability, limited resources or lack of power

      • Fair pay - payment that is appropriate for the work done

      • Interest - money paid back on loans in addition to the original amount borrowed

      • Loan - amount of money borrowed from a lender, usually paid back in installments with interest

      Common misconception

      Poverty is always the result of personal choices, so people just need to work harder or manage money better.

      Poverty isn’t just about personal choices; systemic factors like low wages and predatory lending trap people despite hard work.

      Teacher tip

      Include up-to-date information on the living wage for different age groups in the UK and around the world, and look at how this compares with a living wage.

      Content guidance

      Depiction or discussion of sensitive content

      Supervision

      Adult supervision recommended

      Licence

      This content is © Oak National Academy Limited (2025), licensed on Open Government Licence version 3.0
      except where otherwise stated. See Oak's terms & conditions
      (Collection 2).

      Lesson video

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      Prior knowledge starter quiz

      6 Questions

      Q1.
      Match each term to the correct description.

      Correct Answer:Liberation Theology,a Christian movement challenging injustice

      a Christian movement challenging injustice

      Correct Answer:Oscar Romero,a priest who spoke out against oppression

      a priest who spoke out against oppression

      Correct Answer:Universal Declaration of Human Rights,a document outlining fundamental rights

      a document outlining fundamental rights

      Q2.
      What is a key cause of poverty that is linked to employment?

      a lack of access to clean water
      poor community relationships
      Correct answer: low wages and unemployment

      Q3.
      Why is education important for tackling poverty?

      Correct answer: it helps people to access better jobs
      it guarantees that people will become rich
      it removes the need for financial support

      Q4.
      How does conflict contribute to poverty?

      it strengthens economies
      Correct answer: it destroys homes and jobs
      it reduces the cost of living

      Q5.
      How does Christian Aid help fight poverty?

      by only offering food to those in crisis
      by focusing only on spiritual guidance
      Correct answer: by providing both emergency aid and long-term support

      Q6.
      Why do some Christians support Liberation Theology?

      Correct answer: because it promotes justice for the poor
      because it focuses only on spiritual guidance
      because it avoids involvement in social issues

      6 Questions

      Q1.
      Match each term to the correct description.

      Correct Answer:Fairtrade,a movement ensuring fair wages and conditions

      a movement ensuring fair wages and conditions

      Correct Answer:Christian Aid,a charity that fights poverty and injustice

      a charity that fights poverty and injustice

      Correct Answer:usury,charging excessive interest on loans

      charging excessive interest on loans

      Correct Answer:Salvation Army,a Christian group offering debt advice

      a Christian group offering debt advice

      Q2.
      What is a major problem faced by sweatshop workers?

      Correct answer: low wages and unsafe conditions
      a lack of demand for their products
      too much government support

      Q3.
      How does Christian Aid help people in poverty?

      by only offering food and clothing
      by promoting payday loans
      Correct answer: by providing microloans and debt relief

      Q4.
      What does the Bible say about fair pay?

      that employers should pay as little as possible
      Correct answer: that workers deserve fair wages
      that only the wealthy should set wages

      Q5.
      Why are payday loans often criticised?

      Correct answer: they trap people in debt with high interest rates
      they help people save money
      they offer fair financial support

      Q6.
      How can Christians respond to financial exploitation?

      by ignoring economic issues
      Correct answer: by supporting fair trade and ethical banking
      by investing in payday loan companies

      To help you plan your 11 religious education lesson on: Exploitation of people living in poverty; fair pay and interest on loans, download all teaching resources for free and adapt to suit your pupils' needs...