Brotherhood of St Laurence

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Access to financial services and the financial inclusion agenda around the world : a cross-country analysis with a new data set /

by Ardic, Oya Pinar | The World Bank | Heimann, Maximilien | Mylenko, Nataliya.

Publisher: Washington, DC World Bank 2011Description: PDF.Online Access: Electronic copy Notes: January 2011. "Policy Research Working Paper 5537" (WPS5537).Summary: "Recent empirical evidence highlights that access to basic financial services can make a substantial positive difference in improving poor people?s lives. Accordingly, financial sector reforms that promote financial inclusion are increasingly at the core of policymakers? agendas. The Consultative Group to Assist the Poor and the World Bank Group, in response, launched the Financial Access project, including a cross-country database on financial inclusion topics and an annual report to inform the policy debate. Using this database, this paper (i) counts the number of unbanked adults around the world at 56 percent, (ii) analyzes the state of access to deposit and loan services as well as the extent of retail networks, and (iii) discusses the state of financial inclusion mandates around the world"Availability: (1)

Adult financial literacy in Australia : full report of the results from the 2011 ANZ Survey /

by ANZ Banking Group.

Publisher: n.p. ANZ Banking Group 2011Description: PDF.Online Access: Electronic copy Notes: December 2011 Appendices pp. 117-137Summary: This report presents key findings from the 2011 ANZ Survey of Adult Financial Literacy in Australia - the fourth Survey in a series published since 2003. Financial literacy is the ability to make informed judgements and to take effective decisions regarding the use and management of money. Financial literacy is therefore a combination of a person's skills, knowledge, attitudes and ultimately their behaviours in relation to money. To capture this concept, we focused on the behaviours that can be considered indicators of a person's financial literacy. Analysis identified five behavioural indicators: keeping track of finances, for example monitoring account statements and household expenses; planning ahead, which includes behaviours such as addressing retirement income issues, using financial advisers and using insurance; choosing financial products, for example the extent of comparison shopping for financial products and services; staying informed, for example the extent to which people make use of financial information; and financial control which includes things like control of general financial situation and debt as well as ability to save money. Having identified the behaviours that indicate a person's financial literacy, the next step was to examine which groups performed well in terms of these behaviours and which groups did not. In other words, which groups display behaviours that indicate high levels of financial literacy and which display behaviours that indicate lower levels of financial literacy? Then, to help explain differing levels of financial literacy between groups, associations with peoples' characteristics such as age, education, household circumstances, financial knowledge, numeracy and financial attitudes were examined. These explanations are not complete, but they do assist in building our understanding of the characteristics of groups in the community who may benefit from improved levels of financial literacy.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)

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)

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)

Australians attitudes towards wealth inequality and the minimum wage : a national survey of knowledge, attitudes and perceptions of wealth inequality and the minimum wage /

by Neal, David | Australian Council of Trade Unions | Govan, Cassandra | Norton, Mike | Ariely, Dan.

Publisher: Empirica Research 2011Description: PDF.Online Access: Electronic copy Notes: 15 April 2011 Bibliography : p. 18 INTO AND OUT OF WORKSummary: The wealthiest 20% of Australians own 61% of the country's wealth. The poorest 20% own 1%. The wealth gap is large and growing, but how well are these economic trends known by the Australian public at large? Does the 'illusion of equality' impact support for policies that would bring greater equality to Australian society? The economic realities of wealth inequality are well understood and robust quantitative analyses of the phenomenon are regularly conducted by the Australian Bureau of Statistics and by various researchers. What remains something of a mystery is how the Australian public views wealth inequality. Do they understand exactly how wealth is distributed across households in Australia? What degree of inequality do they regard as 'ideal'? Are their beliefs about wealth inequality - both what it is and what it should be - related to their beliefs about the major policy mechanisms governments can use to address wealth inequality (e.g., the minimum wage, progressive taxation)? The present research answers these questions.Availability: (1)

Choosing not to choose : making superannuation work. /

by Fear, Josh | The Australia Institute | Pace, Geraldine.

Publisher: [Manuka, A.C.T.] The Australia Institute 2008Description: PDF.Notes: Includes bibliographical references. Retirement & ageingAvailability: No items available

Community assets first : the implications of the Sustainable Livelihoods Approach for the coalition agenda /

by Cox, Ed (ed.) | Institute for Public Policy Research | Cooper, Niall | Viitanen, Jenni | Brill, Lucy.

Publisher: Newcastle Upon Tyne, U.K. Institute for Public Policy Research 2011Description: PDF.Online Access: Electronic copy Notes: October 2011Summary: This report introduces a new way of looking at things -- the Sustainable Livelihoods Approach (SLA) -- and uses it to bring together perspectives on a range of issues around poverty in the UK. ; SLA develops the view that people living in poverty are rational agents with assets to draw upon. As a result, the question about poverty moves from 'what do people in poverty lack?' to something more akin to 'what is preventing people from using what they have to get ahead?' ; A key aspect of SLA is the recognition that people's livelihoods are affected by decisions made within structures across the full spectrum, from the individual, household and community levels up to local, national and even international policy levels. So this report aims to make a valuable contribution to the policy debate on the issues it addresses, and to encourage new ways of thinking about poverty more broadly. There are also recommendations throughout the report that could usefully spur a range of individuals and organisations, at all levels, into action.Availability: (1)

Community Development Finance in Australia : a discussion paper. /

by ANZ Banking Group.

Publisher: Melbourne, Vic. Australia and New Zealand Banking Group Limited 2004Description: 31 p.Notes: May 2004 Bibliography: p. 31Availability: Items available for loan: Brotherhood of St Laurence (1).

Consumer Credit Code review : submission to Consumer Affairs Victoria. /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2005Description: PDF.Online Access: Electronic copy Notes: September 2005 Includes bibliographical references (p. 18)Availability: Items available for reference: BSL Archives (1).

Consumer Credit Code review: submission to Consumer Affairs Victoria /

by Brotherhood of St Laurence | Good Shepherd Youth and Family Service.

Publisher: 2005Description: 18p.Notes: September 2005 Includes bibliographical references (p. 18)Availability: Items available for reference: BSL Archives (1).

Credit debt in low-income families /

by Dearden, Chris | Joseph Rowntree Foundation | Goode, Jackie | Whitfield, Grahame | Lynne Cox.

Publisher: York, U.K. Joseph Rowntree Foundation 2010Description: PDF.Online Access: Electronic copy Notes: June 2010 Bibliography : p. 50-51 INTO AND OUT OF WORKSummary: This report examines the experiences of credit and debt for low-income families over a twelve month period. It was conducted against the backdrop of the global credit crunch , when a sustained period of readily available credit was followed by recession, increasing unemployment and rising household costs.Availability: (1)

Designing a life-course savings account : how to help low-to-middle income families save more /

by Dolphin, Tony | Institute for Public Policy Research.

Publisher: London, U.K. Institute for Public Policy Research 2011Description: PDF.Online Access: Electronic copy Notes: April 2011 Bibliography pp. 37-38 Appendices pp. 39-46Summary: This paper reports the results of research designed to identify the features of a savings account that would appeal particularly to low-to-middle income families while also being viable for financial service providers. Families in the UK, especially low-to-middle income families - the median family income in 2008/09 was around 26,000 - find it hard to save, other than for short-term events such as Christmas and family birthdays. Among the reasons they give is a belief that the right savings vehicle does not exist for them. Based on workshops with would-be service users and providers, this report identifies the key features of an attractive and feasible 'life-course savings account' and proposes two specific savings products: a Lifetime Bonus Savings Account, aimed at encouraging saving, particularly to help families cope with emergencies, and a Long-term Investment Account, designed to replace the existing cash ISA scheme for savers at a higher level. These kinds of savings products balance rewards for savers against the cost to the public purse.Availability: (1)

Economics for life: an economist reflects on the meaning of life, money and what really matters /

by Harper, Ian.

Publisher: Brunswick East, Vic. Acorn Press 2011Description: ix, 174 p.Notes: Includes index.Summary: In Economics for Life, Ian Harper shares his insights gained from his professional career as an economist during an exciting period of world economic history. Writing his book from the perspective of one of Australia's best-known economists and as a practising Christian, Ian demostrates why economics is a good servant but a bad master. ; In Economics for Life, Professor Ian Harper, the former head of the Australian Fair Pay commission, shares insights gained from his professional career as an economist during an exciting period of world history.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)

Evidence versus emotion : how do we really make financial decisions? /

by Australia Institute.

Publisher: Canberra, A.C.T. Australia Institute 2010Description: 38 p. : ill.Online Access: Electronic copy Notes: December 2010Summary: Around one in three Australians are regularly putting one or more everyday bills like utilities, car registration and groceries on their credit card but not paying the balance off in full each month. Categorised as 'playing catch-up', these people face higher rates of interest on household bills, due to lack of cash flow. The Australia Institute conducted an online survey of 1,180 adult Australians in October 2010. Respondents were sourced from a reputable online panel provider, and quotas were applied to ensure a representative sample of the broader Australian population by gender, age and household income. Respondents were provided with a small incentive (Availability: (1)

Financial Capability /

by Australian Social Inclusion Board.

Publisher: Canberra, A.C.T. Australian Government 2013Description: PDF.Online Access: Electronic copy Notes: Introduction by Lin Hatfield Dodds, Chair Social Inclusion Board Includes appendicesSummary: This report presents the results of research in 2012 & 2013 by the Australian Social Inclusion Board on what works to build the financial capability of the most vulnerable Australians.Availability: (1)

Financial capability, income and psychological wellbeing /

by Taylor, Mark | University of Essex. Institute for Social and Economic esearch | Jenkins, Stephen | Sacker, Amanda.

Publisher: Essex, U.K. University of Essex. Institute for Social and Economic Research. 2011Description: PDF.Other title: ISER working paper series ; no. 2011-18.Online Access: Electronic copy Notes: July 2011 Bibliography pp. 25-28Summary: We examine whether financial capability has impacts on psychological health independent of income and financial resources more generally using a nationally representative survey. British Household Panel Survey data are used to construct a measure of financial capability, which we relate to respondents psychological health using the 12-item General Health Questionnaire. We find that financial capability has significant and substantial effects on psychological health over and above those associated with income and material wellbeing more generally. The sizes of these impacts are considerably larger than those associated with changes in household income. Furthermore having low financial capability exacerbates the psychological costs associated with unemployment and divorce.Availability: (1)

Financial counselling for Indigenous clients /

by The Financial and Consumer Rights Council Inc.

Publisher: Melbourne, Victoria The Financial and Consumer Rights Council Inc. 2010Description: PDF.Online Access: Electronic copy Notes: May 2010Availability: (1)

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