Brotherhood of St Laurence

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Microfinance and poverty reduction. /

by Johnson, Susan | Rogaly, Ben.

Publisher: Oxford, U.K. Oxfam 1997Description: vii, 134 p.Notes: At head of title: Development guidelines Includes bibliographical referencesAvailability: Items available for loan: Brotherhood of St Laurence (1).

Australian Microfinance Network : review and questions for discussion. /

by Sheehan, Genevieve | Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2007Description: 15 p.Online Access: Electronic copy Notes: November 2007Availability: (1)

Financial inclusion in the UK : review of policy and practice /

by Mitton, Lavinia.

Publisher: York, U.K. Joseph Rowntree Foundation 2008Description: PDF.Online Access: Electronic copy Summary: "Financial exclusion has been defined as the inability, difficulty or reluctance of particular groups to access mainstream financial services. Because it can lead to social exclusion, the reduction of financial exclusion has been one of the priorities of the current government. In the last ten years, financial exclusion has emerged as a policy concern and funding has been made available both at national and local levels. There are many different initiatives under the auspices of different government departments and statutory bodies, and divergence in the policies in England and the devolved administrations. The voluntary and private sectors also play a crucial role in providing services to financially excluded groups." -- Executive summaryAvailability: Items available for loan: Brotherhood of St Laurence (1).

From the margins to the mainstream : the challenges for microfinance in Australia

by Burkett, Ingrid | Brotherhood of St Laurence | Sheehan, Genevieve.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2009Description: vi, 58 p. : ill.Online Access: Electronic copy Notes: December 2009 Summary: This report of research undertaken by the Brotherhood and Community Foresters Finance draws on the literature and stakeholder consultation to explore microfinance in Australia, highlighting the need to achieve sustainability, scale up successful pilot programs and measure impact on financial exclusion. The recommendations point to next steps to meet these challenges.Availability: Items available for loan: Brotherhood of St Laurence (1).

2010 micro business summit /

by The Smith Family.

Publisher: [Melbourne] unpub. [2010]Description: 68 p.: ill.Other title: Micro business summit.Notes: Organisation Committee includes: Elaine Henry, The Smith Family; Toby Hall, Mission Australia; Tony Nicholson, Brotherhood of St Laurence, Steven Persson, The Big Issue; Robert Doyle, Lord Mayor City of Melbourne; David Brookes, Social Traders; David Eldridge, The Salvation Army; Andrew Penn, AXA Asia PacificSummary: This paper summarises the discussions that took place at the summit and the feedback received following it along with recommendations for how micro business can help disadvantaged Australians take a step of of disadvantage.Availability: Items available for loan: Brotherhood of St Laurence (1).

Do you really want to hurt me? : exploring the costs of fringe lending : a report on the NAB Small Loans Pilot /

by National Australia Bank (NAB).

Publisher: Melbourne, Vic. National Bank Australia 2010Description: 55 p.: ill.Online Access: Electronic copy Notes: March 2010 Brotherhood of St Laurence was on the NAB Small Loans Pilot Advisory GroupSummary: The NAB Small Loans Pilot was an exercise in collaboration across a number of people from the community, education, government, and corporate sectors. Microfinace programs developed help to address financial exclusion and provide financial services to all Australians. These programs offer opportunity and a chance to people who are marginalised or excluded from mainstream financial servicesAvailability: (1)

Promoting healthy finances : an evaluation of the Financial Health Service pilot /

by Arashiro, Zuleika | Brotherhood of St Laurence.

Edition: 2011Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2011Description: PDF 41 p.Online Access: DOWNLOAD PDF | Summary Notes: Includes "Promoting healthy finances : an evaluation of the Financial Health Service pilot : research summary."Summary: An evaluation of a free, one-on-one, financial information and guidance service piloted in Melbourne by the Brotherhood of St Laurence for financially vulnerable people found that clients considered good communication and trust as key qualities of such a service, and preferred face-to-face consultation over other channels such as bank branches or the internet. Most clients sought information on how to deal with rising basic costs and very limited income. The service helped boost clients? confidence and willingness to seek future guidance, but there was no straightforward relationship between knowledge and action.Availability: Items available for loan: Brotherhood of St Laurence (1).

Escaping the debt trap : experiences of New Zealand families accessing budgeting services /

by Edgar, Nicolette (ed.) | New Zealand. Families Commission | McCardle, Janine.

Publisher: Wellington, N.Z. New Zealand. Families Commission 2009Description: PDF.Other title: New Zealand. Families Commission. Research report ; no. 6/09.Online Access: Electronic copy Notes: December 2009Summary: This report identifies factors contributing to New Zealand families being in problem debt, the impacts of such debt, and strategies used to get out of problem debt, including the role of Budgeting Services. This research focused on family members' views on what had led to their problem debt situation, how it affected their family and what could help other families to get out of debt.Availability: (1)

Poverty capital : microfinance and the making of development /

by Roy, Ananya.

Publisher: New York Routledge 2010Description: xiv, 253 p. : ill.Notes: Includes bibliographical references and indexSummary: This is a book about poverty but it does not study the poor and the powerless. Instead it studies those who manage poverty. It sheds light on how powerful institutions control "capital," or circuits of profit and investment, as well as "truth," or authoritative knowledge about poverty. Such dominant practices are challenged by alternative paradigms of development, and the book details these as well. Using the case of microfinance, the book participates in a set of fierce debates about development - from the role of markets to the secrets of successful pro-poor institutions. Based on many years of research in Washington D.C., Bangladesh, and the Middle East, Poverty Capital also grows out of the author's undergraduate teaching to thousands of students on the subject of global poverty and inequality.Availability: Items available for loan: Brotherhood of St Laurence (1).

The poor always pay back : the Grameen II story /

by Dowla, Asif | Barua, Dispal.

Publisher: Bloomfield, CT Kumarian Press 2006Description: v, 293 p. : ill. tables, graphs.Notes: Includes bibliographical references and index.Summary: This book is an introduction to Grameen II, an improved and flexible version of the classical Grameen model that is currently being used to financially empower the poorest families in more than a hundred countries across the globe through savings and loans. It describes how a flagship institution such as Grameen Bank accomplished a complete and effective overhaul of its system. "The Poor Always Pay Back" demystifies Grameen II to policymakers, practitioners and the larger development community and shows that, through the use of Grameen II, Grameen Bank is addressing the frontier issues in microfinance: open access savings, flexible loan products, self reliance and absence of donor dependency for funds, and product development to cater to the needs of the retirees (Grameen Pension Scheme) and their adult children (Higher Education Loans). This book offers one of the first sound proofs of the saving capability of the poor on a large scale. The success of Grameen Bank and the microcredit movement as a whole has proved the credit worthiness of the poor beyond question. Grameen II shows that the poor, given the opportunity, will save a great deal and will always pay back.Availability: Items available for loan: Brotherhood of St Laurence (1).

Approaches to personal money management : a population segmentation based on data from the ANZ Survey of Adult Financial Literacy in Australia (2008) /

by Social Research Centre and Data Analysis Australia | Australia. Department of Families, Housing, Community Services and Indigenous Affairs.

Publisher: Canberra, A.C.T. Australia. Department of Families, Housing, Community Services and Indigenous Affairs 2011Description: x, 57 p. : ill. ; 30 cm.Other title: Australia. Department of Families, Housing, Community.Online Access: Electronic copy Notes: Bibliography : p. 57Summary: This report presents findings from a segmentation analysis that used data from the 2008 ANZ Survey of Adult Financial Literacy in Australia. The project profiles the population into segments based on personal money management attitudes and behaviours. The findings are designed to help policy makers better understand how money is managed in Australia, to inform the development of new approaches to assist people in financial difficulty and to prevent people getting into such situations in the first place.Availability: (1)

ANZ survey of adult financial literacy in Australia /

by The Social Research Centre.

Publisher: [North Melbourne, Vic.] The Social Research Centre 2008Description: PDF.Online Access: Electronic copy Notes: October 2008Summary: This report presents findings from the third (2008) ANZ Survey of Adult Financial Literacy in Australia. The first survey, conducted in 2002, established a benchmark of the community's financial literacy while the surveys conducted in 2005, and now in 2008, have been used to monitor the benchmark measures. The three surveys provide a comprehensive set of data including both direct measures of financial literacy and attitudinal and behavioural information useful in explaining and understanding this concept. The three sets of data are the basis of this report. In considering the results presented here, it should be kept in mind that the 2008 survey took place against a background of financial market volatility, some high profile business failures (including those of several property developers in 2006/07), rising interest rates and increasing prices for oil and food. As a result, the economic situation in 2008 is somewhat less favourable than for the earlier surveys. (From executive summary)Availability: (1)

National financial literacy strategy /

by Australian Securities and Investments Commission.

Publisher: Brisbane, Qld. Australian Securities and Investments Commission 2011Description: PDF.Other title: Australian Securities and Investments Commission report ; no..Online Access: Electronic copy Notes: March 2011 Bibliography : p. 60-62Summary: This report sets out a strategy for the development and delivery of initiatives to improve the financial literacy of all Australians and enhance their financial wellbeing. It is a framework for many agencies and organisations working in partnership.Availability: (1)

It's her business : a handbook for preparing young, at-risk women to become entrepreneurs /

by EMpower.

Publisher: New York, NY EMpower n.dDescription: PDF.Online Access: Electronic copy Notes: INTO AND OUT OF WORKSummary: It's her business: a handbook for preparing young, at-risk women to become entrepreneurs is a practical resource for organizations seeking to start or strengthen entrepreneurship programs for young, at-risk women. It outlines the essential components of successful entrepreneurship programs, discusses common challenges and considerations, and provides other useful tips and resources.Availability: (1)

Microfinance and the household economy : financial inclusion, social and economic participation and material wellbeing /

by Corrie, Tanya | Good Shepherd Youth and Family Service.

Publisher: Collingwood, Vic. Good Shepherd Youth and Family Service 2011Description: PDF.Online Access: Electronic copy Notes: October 2011 Bibliography : p. 123-126Summary: The research used a case study methodology to explore the lived experiences of 30 financially excluded individuals and families. Recruitment of participants was done through agencies in four different geographical areas nationally. The areas selected were Collingwood and surrounds in inner Melbourne, to represent an inner-urban area; outer western Sydney around Blacktown as an outer urban interface; Northern Queensland (Cairns) to ensure regional representation; and lastly the Torres Strait Islands to better understand the impact of remoteness. The research showed that microfinance enabled financial inclusion, social and economic participation and material wellbeing, and that these impacts were different for different groups. Geography played a role, with particular accessibility issues occurring in rural and remote areas. However, the case studies also made it clear that in order to have maximum impact microfinance cannot operate in a vacuum. While applying for microfinance was a fairly simple transaction for many participants, to fully allow them to set and achieve their aspirations, more than one service or policy response was needed given the complex environments they operated within.Availability: (1)

Literature review on personal credit and debt in Australia : families at risk deciding on personal debt /

by Singh, Supriya | RMIT University | Myers, Paul | McKeown, Warren | Shelly, Marita.

Publisher: Melbourne, Vic. RMIT University 2005Description: PDF.Online Access: Electronic copy Notes: 23 May 2005 Bibliography : p. 36-39Summary: In this literature review we detail current knowledge about how people decide on personal debt in Australia, with particular reference to low income families. These readings form the starting point of our study of Families at Risk Deciding on Personal Debt. The aim of our study is to understand financial decision-making so that we can address what needs to be done to empower consumers and alleviate debt problems amongst the most vulnerable families in Australia. This literature review on personal credit and debt in Australia complements the accompanying literature review on the theoretical frameworks and literature around the study of personal debt and credit. These literature reviews do not include a detailed discussion of consumer education as this will form the subject of a separate report.Availability: (1)

Towards new developmentalism : market as means rather than master /

by Khan, Shahrukh Rafi (ed.) | Christiansen, Jens (ed.).

Publisher: London, U.K. Routledge 2011Description: xvii, 286 p. : ill.Notes: Includes bibliographical references and index. "This book is the outcome of a conference held at Mount Holyoke College on 14-16 November 2008"--p. [xviii].Summary: The global financial and economic crisis starting in 2007 has provoked the exploration of alternatives to neo-liberalism. Although neo-liberalism has been critiqued from various perspectives, these critiques have not coalesced into a concrete alternative in development economics literature. The main objective of this book is to name and formulate this alternative, identify what is new about this viewpoint, and project it on to the academic landscape. This book includes contributions from many prominent development economists who are unified by a form of 'developmental pragmatism'. Their concern is with the problems of development that preoccupied the pioneers of economic development in the mid-twentieth century, known as the developmentalists. Like the developmentalists, the contributors to "Towards New Developmentalism" are policy-oriented and supportive of institutional development and engagement with economic globalization. This collection has an over-arching concern with promoting social justice, and holds the general view of the market as the means to affecting an alternative program of development rather than as a master whose dictates are to be obeyed without question. This important collection sets the agenda for new developmentalism, drawing on issues such as industrial policy, technology, competition, growth and poverty. In broad terms, the economic development debate is cast in terms of whether the market is the master, an ideological neo-liberal perspective, or the means to affect change as suggested by the pragmatic perspective that is being termed neo-developmentalism. This book will be valuable reading to postgraduates and researchers specialising in the area of development studies including within economics, international relations, political science and sociology. ; Contents: Exploring and naming an economic development alternative / Shahrukh Rafi Khan -- The market as means rather than master : the crisis of development and the future role of the state / Robert Wade -- Hamlet without the prince of Denmark : how development has disappeared from today's "development" discourse / Ha-Joon Chang -- The economics of failed, failing, and fragile states : productive structure as the missing link / Erik S. Reinert, Yves Ekoue Amaïzo, and Rainer Kattel -- The pernicious legacy of the rent-seeking paradigm / Helen Shapiro -- Cementing neo-liberalism in the developing world : ideational and institutional constraints on policy space / Ilene Grabel -- Domestic resource mobilization for a new-developmentalist strategy in the age of globalization : the fiscal space dilemma in Latin America / Luis Abugattas and Eva Paus -- Investment treaties as a constraining framework / Gus Van Harten -- Government reform and industrial development in China and Mexico / Kevin P. Gallagher and M. Shafaeddin -- Growth and development in Africa : challenges and opportunities / Leonce Ndikumana -- Climate-resilient industrial development paths : design principles and alternative models / Lyuba Zarsky -- Towards new developmentalism : context, program and constraints / Shahrukh Rafi KhanAvailability: Items available for loan: Brotherhood of St Laurence (1).

Empowering people, driving change : social innovation in the European Union /

by Hubert, Agnes | Bureau of European Policy Advisors (BEPA).

Publisher: Luxembourg Office for Official Publications of the European Communities 2011Description: PDF.Online Access: Electronic copy Notes: May 2010 Includes bibliographical references This report has been steered by Agn s Hubert, of the Bureau of European Policy Advisers, under the supervision of Jean-Claude Th bault and Margaritis Schinas and with the assistance of Matteo Bonifacio and Joep Konings.Summary: "Social innovation relates to new responses to pressing social demands by means which affect the process of social interactions. It is aimed at improving well being. It covers wide fields ... In its recent usage, the social innovation approach is understood to mean not only a new governance mode working across traditional fields of responsibilities with an active involvement of citizens, which is effective in addressing the challenges of climate mitigation, social justice, ageing, etc., but also the culture of trust and risk-taking which is needed to promote scientific and technological innovations. With the EU currently engaged in a new growth strategy for a smart, sustainable and inclusive Europe by 2020, social issues are being brought to the fore. The lessons learned from both the Lisbon Strategy for Growth and Jobs and the financial crisis have revealed structural weaknesses and presented the social dimension of Europe in a new light: the long-held belief that economic growth creates employment and wealth that goes on to alleviate poverty has been disproved by recent events, and the time has now come to try new ways of bringing people out of poverty and promoting growth and well-being not only for, but also with citizens."Availability: (1)

Give us credit /

by Counts, Alex.

Publisher: New York, NY Times Books 1996Description: xx, 361 p. ; 24 cm.Availability: Items available for loan: Brotherhood of St Laurence (1).

The Grameen Bank micro-credit model : lessons for Australian indigenous economy policy /

by McDonnell, Siobhan | Australian National University. Centre for Aboriginal conomic Policy Research.

Publisher: Canberra, A.C.T. Centre for Aboriginal Economic Policy Research, Australian National University 1997Description: vii, 19 p.Other title: Australian National University. Centre for Aboriginal.Online Access: Electronic copy Notes: April 1999 Bibliography : p. 17-19Summary: Policy-makers have become increasingly interested in the use of micro-credit models to alleviate poverty among Australian Indigenous communities. These models, such as the model developed by the Grameen Bank, work to extend small amounts of credit to entrepreneurs too poor to qualify for commercial lending. The key element of the Grameen Bank model is its peer group lending structure, which fosters mutual accountability for loans among borrowersAvailability: (1)

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