Brotherhood of St Laurence

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Evaluation of the Saver Plus pilot project : interim report /

by Russell, Roslyn | RMIT University | Fredline, Liz.

Publisher: Melbourne, Vic. RMIT Business 2004Description: 26 p. : ill.Online Access: Electronic copy Notes: August 2004 Saver Plus progress and perspectives : Evaluation of the Saver Plus pilot project : interim report (Cover title)Summary: This document is an interim report that will provide a progress review of the first stage of the Saver Plus program. We would like to acknowledge the assistance of the Saver Plus research reference group in providing valuable input, discussion and guidance. The participants who have joined the program between July 2003 and the end of March 2004 have provided the data included in the report. We are grateful for their willingness to be involved in the research. Staff who are implementing and running the program have also provided valuable information, we thank them for their time in participating in the research. The evaluation has been funded by ANZ and both ANZ and Brotherhood of St Laurence have provided significant background information useful for the research efforts.Availability: Items available for loan: Brotherhood of St Laurence (2).
Items available for reference: BSL Archives (1).

Evaluation of the Saver Plus pilot project : interim focus group report /

by Russell, Roslyn | RMIT University | Fredline, Liz | Nair, Aruna.

Publisher: Melbourne, Vic. RMIT Business 2005Description: 26 p. : ill.Other title: Saver Plus progress and perspectives : evaluation of the.Online Access: Electronic copy Notes: February 2005Summary: This report presents findings from focus groups conducted as part of the interim evaluation of the Saver Plus program in October 2004. Saver Plus is a pilot program aimed at assisting families on low-income to reach a savings goal and develop a savings habit. The program has been developed through a partnership between ANZ and the Brotherhood of St Laurence (BSL) and is being implemented through subsequent partnerships with Berry Street Victoria and The Benevolent Society, New South Wales. The pilot is being delivered in three locations: Frankston, Victoria (BSL); Shepparton Victoria (Berry Street Victoria) and Campbelltown, NSW (The Benevolent Society) with 268 participants. The program was launched in 2003 and the first phase of the pilot will be completed in February 2005.Availability: Items available for loan: Brotherhood of St Laurence (2).
Items available for reference: BSL Archives (1).

A little idea...with big results : Saver Plus

by ANZ Banking Group.

Publisher: Melbourne, Vic. : ANZ Bank, 2008Description: 18 p.Online Access: DOWNLOAD PDF Notes: Publication promoting the 'Saver Plus' scheme.Availability: Items available for loan: Brotherhood of St Laurence (1).

Saver Plus : an indication of saving behaviour post-Saver Plus /

by Russell, Roslyn | RMIT University | Brooks, Rob | Nair, Aruna.

Publisher: Melbourne, Vic. RMIT Business 2006Description: 26 p. : ill.Online Access: Electronic copy Notes: February 2006 Saver Plus : improving financial literacy and establishing long-term saving habits : An indication of saving behaviour post-Saver Plus (Cover title)Availability: Items available for loan: Brotherhood of St Laurence (1).

Many faces of saving : social dimensions of Saver Plus /

by Bodsworth, Eve | Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Australia and New Zealand Banking Group Limited 2011; Brotherhood of St Laurence 2011Description: 48 p.: ill.Online Access: Electronic copy Notes: Saver Plus is an initiative of the Brotherhood of St Laurence and ANZ. The program is funded by ANZ and the Australian Government Department of Families, Housing, Community Services and Indigenous Affairs, with ANZ providing matched savings for participants. The program is delivered in partnership with The Smith Family, The Benevolent Society and Berry Street. Local community organisations also deliver Saver Plus including Anglicare SA, Anglicare WA, BGT, Bethany Community Support, Jewish Care Victoria and Haven.Summary: A small qualitative study of Saver Plus, a matched savings program designed to assist low-income Australians to build assets and improve their financial capability, explored the social and economic context in which the participants attempted to save money and manage their finances. It also shed light on the constraints to saving faced by individuals and families. The study includes recommendations for improving the Saver Plus program, and for broader policy reform.Availability: Items available for loan: Brotherhood of St Laurence (1).

Evaluation of Saver Plus past participants 2011 /

by Russell, Roslyn | Brotherhood of St Laurence | Wall, Lauren | Doan, Minh Phuong.

Publisher: Melbourne, Vic. Australia and New Zealand Banking Group Limited 2011; Brotherhood of St Laurence 2011Description: 56 p.: ill. col. tables.Online Access: Electronic copy Notes: Saver Plus is an initiative of the Brotherhood of St Laurence and ANZ. The program is funded by ANZ and the Australian Government Department of Families, Housing, Community Services and Indigenous Affairs, with ANZ providing matched savings for participants. The program is delivered in partnership with The Smith Family, The Benevolent Society and Berry Street. Local community organisations also deliver Saver Plus including Anglicare SA, Anglicare WA, BGT, Bethany Community Support, Jewish Care Victoria and Haven. Bibliography : p. 55Summary: This report provides evaluation results of saving and money management behaviour of past Saver Plus participants enrolled in the program from 2006 to 2009.Availability: Items available for loan: Brotherhood of St Laurence (2).

Brief overview of Saver Plus program /

by Brotherhood of St Laurence.

Publisher: unpub. 2004Description: 6p.Online Access: DOWNLOAD PDF Availability: Items available for reference: BSL Archives (1).

Asset based social policy for Australia: from saver plus to a national social policy agenda: report by Social Action and Research division of the Brotherhood of St Laurence for ANZ: draft /

by Bedson, Lois | Scutella, Rosanna.

Publisher: 2005Description: 18p.Online Access: DOWNLOAD PDF Notes: Not for citation. October 2005Availability: Items available for reference: BSL Archives (1).

Saver Plus: strengthening financial futures /

by Brotherhood of St Laurence.

Publisher: Editel Post Production 2004Description: 1 videocassette (VHS)( 8.30 min). : sd., col.Notes: September 2004 Summary of the views of the participants in the study.Availability: Items available for reference: BSL Archives (1).

ANZ/ Brotherhood of St Laurence Saver Plus /

by Toohey, Trish | McCann, Sonia.

Publisher: 2005Description: p.42-44.Notes: August 2005Availability: Items available for reference: BSL Archives (1).

The factors influencing saving in a matched savings program : goals, knowledge of payment instruments and other behavior

by Fry, Tim.R.L | Mihajilo, Sandra | Russell, Roslyn et al.

Publisher: Springer 2008Description: PDF.Notes: Published in the Journal of Family & Economic Issues (2008) 29 : 234-250 pp.Summary: This paper explores the saving behavior of the group of low-income households that have participated in the Australian Saver Plus matched savings program. The paper finds that a dynamic panel model represents a good technique for modeling the savings account balances of such participants. We find that, even after controlling for the unobservable individual response to the program incentive, the saving goal and education/financial literacy variables play a positive role in encouraging saving behavior. More importantly however, we find that programs such as Saver Plus are able to modify the saving behavior of individuals to the point where their prior behavior and their inherent attitude towards saving no longer play a significant role.Availability: No items available

Submission in response to the Department of Social Services’ Financial Wellbeing and Capability discussion paper

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2017Description: 6 p. PDF.Online Access: DOWNLOAD PDF Notes: March 2017Summary: The Brotherhood welcomes the opportunity to comment on proposed policy changes to the Department’s Financial Wellbeing and Capability (FWC) activities. This submission comments on both the impacts of proposed changes on programs such as Saver Plus, as well as addressing broader public policy implications of key proposals. There is a strong case for investment in prevention and early intervention, rather than crisis welfare responses, as a way of minimising the risk of financial stress and its consequences. Likewise, investment in building economic participation is a critical strategy to increase economic security. The Brotherhood agrees with these premises in the DSS discussion paper. However, without significant investment in areas outside the scope of this paper, such as job creation, enhanced employment support for disadvantaged jobseekers, and income support payments that meet the poverty line, we anticipate that some of the reform propositions will have serious unintended consequences. We are particularly concerned that FWC service participants and their children could face additional hardship, that there will be cost shifting to other parts of government as well as the welfare sector and that Australia’s social cohesion could be negatively impacted. The Brotherhood strongly supports the strengthening of the evidence base and investing in outcome-based evaluations of the FWC sector. However, in our view the discussion paper does not provide acompelling evidence based argument to warrant some of the changes that are being proposed. Availability: (1)

Saver Plus : more than saving a brief comparison with international programs

by Russell, Roslyn | RMIT University | ANZ Banking Group | Brotherhood of St Laurence.

Publisher: Melbourne, Vic. RMIT Business 2008Description: 6 p. : ill. PDF.Online Access: DOWNLOAD PDF Notes: August 2008Summary: Low levels of savings, high levels of personal debt and financial mismanagement are causing concern in developed economies globally. These issues are exacerbated amongst low-income and financially vulnerable populations who can be excluded from frameworks available to middle to high income earners that encourage wealth accumulation and provide financial security. Matched savings programs have become widespread internationally as a means to encourage asset-building, increase saving and enhance financial capabilities of low income participants. The innovative idea was conceptualised by Michael Sherraden (1991) and is based on the premise that the opportunity to save and build assets should be afforded to all and not just the wealthyAvailability: Items available for loan: BSL Archives (1).

Saver Plus : pathways to wellbeing

by Russell, Roslyn | RMIT University | Kutin Jozica | Stewart, Mark | ANZ Banking Group | Brotherhood of St Laurence.

Publisher: Melbourne, Vic. RMIT Business 2018Description: 41 p. : ill. PDF.Online Access: DOWNLOAD PDF Notes: May 2018; Saver Plus Partner Organisations: Brotherhood of St Laurence ; Australia Government. Department of Social Services ; ANZ Banking Group ; The Smith Family ; Benevolent Society ; Berry Street Summary: This report provides an evaluation of the outcomes of Saver Plus for participants enrolled between 2009 and 2016. In particular, we focused on measuring changes in participants’ savings behaviour and financial wellbeing outcomes. Past participants’ survey data, qualitative interview data, enrolment details and Saver Plus banking data informed the evaluationAvailability: Items available for loan: Brotherhood of St Laurence (1).

Saver Plus : a decade of impact / Roslyn Russell , Mark Stewart, Felicity Cull (School of Economics, Finance and Marketing RMIT University)

by Russell, Roslyn | Stewart, Mark | Cull, Felicity | ANZ Banking Group | RMIT University | Brotherhood of St Laurence.

[s.l.] Brotherhood of St Laurence, 2015Description: 39 p. : ill.Online Access: DOWNLOAD PDF Summary: This research report provides an assessment of the outcomes and longer-term impacts of Saver Plus, the first matched savings program in Australia, over the last 10 years. Estimations of the monetary value of Saver Plus to individuals and society are provided with particular focus on the impact of Saver Plus on the value of investment in education and also the value of increasing participants' abilities to save regularly. The report gives an update on matched savings programs internationally, how they have evolved and expanded, current target groups and innovative features of delivery and funding. [Introduction, ed]; This report presents an opportunity to acknowledge the many people involved in Saver Plus over a decade of impact – from participants in all parts of Australia, to the many people working in local community organisations to deliver the program, to supporters and partners in the business, community and government sectors. The contributions have been many, varied and extensive, and we thank everyone who has been involved in what has become one of the world’s longest running and most successful matched savings programs. ANZ and Brotherhood of St Laurence would like to particularly acknowledge RMIT University for its pivotal role as research partner since the very first pilot program in 2004. This work has enabled the Saver Plus partners, along with many other stakeholders in Australia and around the world, to learn a great deal about effective ways to support people to improve their financial literacy and build a lasting savings habit and assets for the future. Availability: Items available for loan: Brotherhood of St Laurence (1).

Savings buffers, housing stress and building resilience in tough times : insights on making ends meet from Saver Plus data / Emily Porter (SPARC)

by Porter, Emily | Brotherhood of St Laurence Social Policy and Research Centre.

Publisher: Fitzroy, Vic. : Brotherhood of St Laurence, 2022Description: 17 slides [Power point presentation] PDF.Other title: Savings buffers, housing stress and building resilience : insights on making ends meet from Saver Plus data | Savings buffers, housing stress and building resilience Anglicare conference presentation.Online Access: DOWNLOAD PDF Notes: Presented by Dr Emily Porter Anglicare Conference - September 2022Summary: Research aims: 1.Understand low-income households budget priorities and constraints 2.Identify risks to savings and how they are distributed across different households 3.Highlight opportunities for policy and program changes that can improve savings and resilience Availability: Items available for loan: Brotherhood of St Laurence (1).

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