Brotherhood of St Laurence

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Problem gamblers and the role of the financial sector /

by O'Neil, Michael | Australia. Department of Families, Housing, Community Services and Indigenous Affairs | Chandler, Nicola | Kosturjak, Anthony.

Publisher: Canberra, A.C.T. Australia. Department of Families, Housing, Community Services and Indigenous Affairs 2010Description: x, 82 p. ; 30 cm.Other title: Australia. Department of Families, Housing, Community.Online Access: Electronic copy Notes: Bibliography : p. 81-82Summary: The focus of this report was to ascertain the behaviour of problem gamblers in Australia with regards to accessing funds, particularly from joint bank and/or home loan accounts, and to consult with the financial sector, relevant government agencies, financial counsellors and gambling counsellors, to make recommendations about measures the financial sector can implement to reduce the risk of problem gamblers withdrawing funds from these accounts with which to gamble. The report details current measures that exist to assist problem gamblers, proposes new measures that could be implemented, and suggests areas for further research.Availability: (1)

Reference : Australian Securities and Investments Commission (Fair Bank and Credit Card Fees) Amendment Bill 2008. /

by Australia. Parliament. Senate. Hansard. Standing Committee on.

Publisher: Canberra, A.C.T. Commonwealth of Australia 2008Description: PDF.Availability: Items available for loan: Brotherhood of St Laurence (1).

Response to Community Development Finance in Australia : a discussion paper. /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence (unpub.) 2004Description: 17p. PDF.Online Access: Electronic copy Notes: Provided to ANZ. July 2004Availability: Items available for loan: Brotherhood of St Laurence (1).

Response to Community Development Finance in Australia: a discussion paper /

by Brotherhood of St Laurence.

Publisher: 2004Description: 17p.Notes: Provided to ANZ. July 2004Availability: Items available for reference: BSL Archives (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).

Saver Plus summary report 2011 : incorporating summaries of two research reports : Evaluation of Saver Plus past participants 2011 and Many faces of saving : the social dimensions of Saver Plus /

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

Publisher: Melbourne, Vic. Australia and New Zealand Banking Group Limited 2011; Brotherhood of St Laurence 2011Description: 20 p.: ill. col.Online Access: Electronic copy Notes: Summary report 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: This document incorporates summaries of two Saver Plus research reports. The first research report was prepared by researchers at RMIT University and is the latest in a series of ongoing evaluations of the effectiveness of the Saver Plus program, focusing on the experience of participants from the 2006-2009 period. The second was prepared by researchers at the Brotherhood of St Laurence and assesses the experiences of Saver Plus participants to better understand the savings challenges faced by low-income people. This study includes recommendations for improving the Saver Plus program, and for broader financial policy reform.Availability: Items available for loan: Brotherhood of St Laurence (2).

Saving behaviour of past Saver Plus participants /

by Russell, Roslyn | RMIT University | Mihajilo, Sandra | Brooks, Rob.

Publisher: Melbourne, Vic. RMIT Business 2007Description: 26 p. : ill.Other title: Saver Plus - encouraging savings and increasing financial.Online Access: Electronic copy Notes: June 2007Summary: This report provides results from the second follow-up survey of past Saver Plus participants, and measures the impact of the program on their continued savings behaviour. Encouragingly, 75 per cent of participants continue to save the same amount or more 12-24 months after completing Saver Plus. Participants reported that the educational item saved for and purchased has had a highly positive impact on their child?s school experience, resulting in improved academic performance, reduced stress and worry, increased participation in school activities such as music and sport and increased levels of self-esteem and confidence.Availability: Items available for loan: Brotherhood of St Laurence (1), BSL Archives (1).

Submission to inquiry into competition in the banking and non-banking sectors /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2008Description: PDF.Online Access: Electronic copy Notes: July 2008 Bibliography p. 7Summary: The Brotherhood welcomes the government's interest in competition in the Australian banking sector as this is an important issue for low income people. While this Inquiry is particularly concerned with home mortgage products, the financial needs of low-income people need to be considered.Availability: (1)

Submission to Senate Economics Committee Inquiry into Aspects of Banks Mergers /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. unpub. 2009Description: PDF.Online Access: Electronic copy Notes: January 2009Availability: Items available for loan: BSL Archives (1).

Submission to Senate Economics Committee inquiry into competition within the Australian banking sector /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2010Description: PDF.Online Access: Electronic copy Notes: November 2010 bibliography p. 8Summary: As part of our wider efforts to promote social inclusion, the Brotherhood is committed to developing and demonstrating effective programs for disadvantaged people to address financial exclusion. Financial exclusion involves being denied access to affordable, appropriate and fair financial products and services, with the result that people?s ability to participate fully in social and economic activities is reduced, financial hardship is increased, and poverty (measured by income, debt and assets) is exacerbated (Burkett and Sheehan 2009). The Brotherhood believes that all Australians have a right to fair and affordable access to basic services, including banking services. Fair and affordable access to essential services helps disadvantaged and low-income people by enabling them to be part of Australia?s mainstream society, ; and by ensuring corporate, government and community sectors all take responsibility for addressing ; social problems.Availability: (1)

Submission to the Treasury's National Credit Reform Green Paper /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2010Description: PDF.Online Access: Electronic copy Notes: August 2010 Bibliography : p. 13Summary: The Brotherhood welcomes further efforts by policy makers to address financial exclusion, including consideration of the issues presented in the National Credit Reform Green Paper. In this submission, we respond to the following areas of the Green Paper: regulation of short-term, small-amount lending (chapter 5) ; regulation of consumer leases (chapter 6) ; regulation of credit cards (chapter 2) ; enhancement to the National Consumer Credit Protection Regime (chapter 7) ; coverage of credit under the National Consumer Credit Protection Act 2009 and avoidance practices (chapter 8).Availability: (1)

The BSL and community sector banking. /

by Sheehan, Genevieve Cavanagh, Pat.

Publisher: 2005Description: p.44-49.Online Access: DOWNLOAD PDF Notes: August 2005Availability: Items available for reference: BSL Archives (1).

The Green Investment Bank : second report of session 2010-11 : Volume I : report, together with formal minutes, oral and written evidence /

by Great Britain. Parliament. House of Commons. Environmental udit Committee.

Publisher: London, U.K. The Stationery Office Limited 2011Description: PDF.Online Access: Electronic copy Notes: March 2011 HC 505Summary: The UK has a legal commitment to reduce its carbon emissions by 2050, and also to generate a higher percentage of energy from renewable sources by 2020. The Committee on Climate Change and others have called for a 'step change' to deliver the new low carbon infrastructure required to meet these targets. The scale of investment needed is unprecedented: most estimates range between 200 billion and 1 trillion over the next 10-20 years. Traditional sources of capital for investment in green infrastructure can only provide 50 to 80 billion up to 2025, leaving a funding gap running into hundreds of billions of pounds. The Government's top priority is to cut the deficit, so investment will have to come predominately from the private sector. To bring in this investment, there are a number of market failures and investment barriers that require urgent remedial action. A Green Investment Bank will be an essential means of unlocking the enormous scale of private sector investment needed.Availability: (1)

The impact of credit card reform on people with low incomes. /

by Schilling, Chris.

Publisher: Collingwood, Vic. Good Shepherd Youth and Family Service 2003Description: 26 p. : ill.Notes: Bibliography: p. 25-26Summary: This discussion paper from Good Shepherd Youth and Family Services examines several recent developments in Australia s credit card system since 2000, in their effect on people who not have a credit card but have nevertheless shared the costs of the system and on people on low incomes who rely on a credit card to pay for essential items, sometimes running up unmanageable debts.Availability: Items available for loan: Brotherhood of St Laurence (1).

The role of social capital in financial development. /

by Guiso, Luigi | Sapienza, Paolo | Zingalas, Luigi.

Publisher: Cambridge, MAhttp://www.nber_w7563.pdf 2000Description: 56 p.Notes: Website : http://www.nber_w7563.pdf Includes bibliographical references February 2000Availability: Items available for loan: Brotherhood of St Laurence (1).

The transatlantic banking crisis : lessons and EU reforms. /

by Welfens, Paul J. J.

Publisher: Bonn, Germany Institute for the Study of Labor 2009Description: PDF.Online Access: Electronic copy Summary: The key dynamics of the transatlantic banking crisis are analyzed – with emphasis on the fact that the banking disaster of 2007/08 was not really a surprise –, and the five key requirements for restoring stability and efficiency in the EU/OECD banking sector are highlighted. Most important, however, is the introduction of a new tax regime designed to encourage bankers to take a more long term time horizon in decision-making and to reduce excessive risk-taking. Banks and funds should be taxed not only on the basis of profits but also on the basis of the variability – read variance – of the rate of return on equity: the higher the variability over time the higher the tax to be paid. The quality and comprehensiveness of banks’ balance sheets must be radically improved and all off-balance sheet activities must be included in future total balance sheets. The medium term structure of employment in terms of the breakdown nontradables/tradables will have to adjust.Availability: Items available for loan: Brotherhood of St Laurence (1).

The treatment of financial services under a broad-based consumption tax. /

by Jack, William.

Publisher: Canberra, A.C.T. Australian National University 1998Description: 14 p.Notes: November 1998Availability: Items available for loan: Brotherhood of St Laurence (1).

The virtual library on microcredit. /

by The Global Development Research Center.

Publisher: 08/03/2003 23:48:40http://www.gdrc.org/icm/ 08/05/2003Notes: Description based on contents viewed : 08/05/2003 Mode of access : WORLD WIDE WEB ONLINE RESOURCESummary: The Virtual Library on Microcredit is intended to be a repository of information on alternative, non-conventional financial systems and microcredit issues. Community mobilization and enviro-economic development also find a place here.Availability: Items available for loan: Brotherhood of St Laurence (1).

The world credit crisis : understanding it, and what to do. /

by Corden, W. Max | University of Melbourne. Melbourne Institute of Applied conomic and Social Research.

Publisher: Parkville, Vic. Melbourne Institute of Applied Economic and Social Research 2008Description: PDF.Online Access: Electronic copy Summary: "This paper expounds a story in four stages to explain the world credit crisis, namely: ; (1) too much credit - an international perspective, ; (2) too much risk - reaction to low real interest rate, ; (3) the fatal flaw - the new complex financial instruments, and ; (4) the panic- bank lending dries up. ; The paper also discusses the relationship of this crisis to the often-expected crisis of the global imbalances, and it outlines various policy implications." - PublicationAvailability: Items available for loan: Brotherhood of St Laurence (1).

To their credit : evaluating an experiment with personal loans for people on low incomes

by Scutella, Rosanna | Brotherhood of St Laurence | Sheehan, Genevieve.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2006Description: iv, 34 p. : ill.Online Access: Electronic copy Notes: May 2006 Bibliography: p. 33-34Summary: This study evaluates the Brotherhood of St Laurence and Community Sector Banking’s personal loan pilot. This program, trialed across Melbourne, provided small personal loans (Availability: Items available for loan: Brotherhood of St Laurence (1).
Items available for reference: BSL Archives (1).

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