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)

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).

Credit crises and the shortcomings of traditional policy responses /

by White, William R | Organisation for Economic Co-operation and Development.

Publisher: Paris, France OECD Publishing 2012Description: PDF.Online Access: Electronic copy Notes: OECD Economics Department Working Papers No. 971Summary: "Economic downturns which have their roots in preceding credit excesses and debt overhang have tended historically to be long lasting, whether the financial sector remained healthy or not. There are no good reasons to believe the current global crisis will be any different. Moreover, it is argued in this paper that the policy responses to the crisis to date, both macroeconomic and structural, will not succeed in restoring sustainable growth. Monetary and fiscal stimulus might raise aggregate demand in the short run, but they contribute to higher debt levels which are already working increasingly in the opposite direction. Structural policies intended to maintain pre crisis production patterns, both in the financial and industrial sectors, ignore the unsustainability of those structures in the first place. Alternative policies are needed to meet the G 20's goal of "strong, sustainable and balanced growth". They include more international cooperation between creditor and debtor countries (on both exchange rates and production structures), more recourse to explicit debt restructuring (for both households and sovereigns), and structural polices to raise potential growth and make debts more sustainable. Unfortunately, there remain formidable practical and political obstacles to pursuing such policies. Future debt crises of the current magnitude could be avoided by using monetary, macro prudential and fiscal policies more symmetrically over the business cycle. Relative to past behaviour, this would imply more vigorous resistance to credit financed upswings, and a greater willingness to accept the cleansing effect of minor downswings. Policies to ensure financial stability are important but secondary." -- OECD LibraryAvailability: (1)

CSR and banks : the role that banks could and should play in addressing financial exclusion /

by Wilson, Therese | Brotherhood of St Laurence. Research and Policy Centre.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2008Description: PDF.Online Access: Electronic copy Notes: Social Inclusion and Corporate Responsibility Workshop Proceedings 21 November 2008Summary: Discusses the problem of financial exclusion in Australia and considers the role that banking corporations could and should play in assisting to address financial exclusion, on the basis of their corporate social responsibilities.Availability: (1)

Farewell to growth /

by Latouche, Serge.

Publisher: Wiley 2009Description: viii, 124 p. ; 22 cm.Notes: Translated from the FrenchAvailability: Items available for loan: Brotherhood of St Laurence (1).

Financial literacy for newcomers : weaving immigrant needs into financial education /

by Lutheran Immigration and Refugee Service.

Publisher: Baltimore, MD Lutheran Immigration and Refugee Service n.dDescription: PDF.Online Access: Electronic copy Notes: Bibliography p. 23 Appendices pp. 24-27Summary: In the past decade financial literacy initiatives have rapidly come to the forefront amid rising concerns about Americans' financial management skills. High schools are introducing new personal finance curriculums for students. Companies are offering new avenues for their workers to connect with financial planners, and banks are providing new financial education tools to their consumers. Despite the growing momentum to help Americans become more financially secure, one major population is consistently overlooked and underserved: immigrants and refugees, or newcomers as they are described throughout this report. Their financial needs add new elements that have not traditionally been addressed by mainstream financial education programs and services. As this report will demonstrate, there is great promise for enriching the pattern and texture of existing financial literacy resources by including newcomers' experiences and desires to gain financial stability in America.Availability: (1)

Financial literacy, retirement planning, and household wealth /

by van Rooij, Maarten | De Nederlandsche Bank | Lusardi, Annamaria | Alessie, Rob.

Publisher: Amsterdam De Nederlandsche Bank 2011Description: PDF.Other title: De Nederlandsche Bank (DNB) working paper ; no. 313.Online Access: Electronic copy Notes: August 2011 Bibliography pp. 24-28 Appendices pp. 29-49Summary: There is ample empirical evidence documenting widespread financial illiteracy and limited pension knowledge. At the same time, the distribution of wealth is widely dispersed and many workers arrive on the verge of retirement with few or no personal assets. In this paper, we investigate the relationship between financial literacy and household net worth, relying on comprehensive measures of financial knowledge designed for a special module of the DNB (De Nederlandsche Bank) Household Survey. Our findings provide evidence of a strong positive association between financial literacy and net worth, even after controlling for many determinants of wealth. Moreover, we discuss two channels through which financial literacy might facilitate wealth accumulation. First, financial knowledge increases the likelihood of investing in the stock market, allowing individuals to benefit from the equity premium. Second, financial literacy is positively related to retirement planning, and the development of a savings plan has been shown to boost wealth. Overall, financial literacy, both directly and indirectly, is found to have a strong link to household wealth.Availability: (1)

Financial Services and Credit Reform : Improving, Simplifying and Standardising Financial Services and Credit Regulation : Green paper /

by Australia. The Treasury.

Publisher: Canberra, A.C.T. Commonwealth of Australia 2008Description: PDF.Other title: Treasury's National Credit Reform Green Paper.Online Access: Electronic copy Notes: June 2008Summary: The purpose of this Green Paper is to consult stakeholders about the following range of financial services and credit reform initiatives: the development of a comprehensive approach to the regulation of mortgages and mortgage broking advice; the regulation of margin lending; the creation of a national market for trustee corporations through the implementation of Commonwealth legislation; reforms to improve the existing regulation of debentures; the investigation of issues relating to property investment advice, including property spruikers; and the consideration of the most appropriate regulation of a range of remaining credit products, such as credit cards, personal loans and micro-lending. The Green Paper sets out key issues for consideration and in some cases high level alternatives are put forward as options for addressing the issues. These issues form key initiatives included on the Council of Australian Governments' (COAG) reform agenda. Comments received in response to this paper will assist in informing COAG and its decision making about the regulation of these key financial services.Availability: (1)

Financialization at work : key texts and commentary /

by Erturk, Ismail (ed.).

Publisher: Abingdon, U.K. Routledge 2008Description: xvii, 365 p.Notes: Includes indexAvailability: Items available for loan: Brotherhood of St Laurence (1).

Money and power : the case for better regulation in banking /

by Fear, Josh | The Australia Institute | Denniss, Richard | Richardson, David.

Publisher: Manuka, A.C.T. The Australia Institute 2010Description: PDF.Other title: The Australia Institute paper ; no. 4.Online Access: Electronic copy Notes: August 2010 Bibliography : p. 37-40Summary: The power of Australia's big four banks is unmistakeable. Their underlying profits equate to almost three per cent of GDP, up from less than one per cent a quarter of a century ago. Of every Availability: (1)

Organizing access to capital : advocacy and the democratisation of financial institutions. /

by Squires, Gregory D.

Publisher: Philadelphia, Pa. Temple University Press 2003Description: vi, 238 p. ; 26 cm.Notes: Formerly CIP. Includes bibliographical references (p. 216-220) and index.Availability: Items available for loan: Brotherhood of St Laurence (1).

Putting development first : the importance of policy space in the WTO and IFIs. /

by Gallagher, Kevin P. (ed.).

Publisher: London, U.K. Zed books 2005Description: x, 301 p. : ill.Notes: Includes bibliographical references and index.Availability: Items available for loan: Brotherhood of St Laurence (1).

Social dialogue and working conditions /

by Oxford Research, Denmark.

Publisher: Dublin, Ireland European Foundation for the Improvement of Living and Working Conditions 2011Description: PDF.Online Access: Electronic copy Notes: 19 May 2011 INTO AND OUT OF WORKSummary: Creating better jobs and working conditions are key elements of the European social model. Improving the quality of work and working conditions is, however, a new dimension within the European Employment Strategy which previously concentrated on quantitative measures such as increasing employment and reducing unemployment. The Lisbon Agenda implies that improving the quality and productivity of work could lead to more as well as better jobs. This study is based on 23 case studies in four sectors (electromechanical engineering, food, financial activities and insurance services, and wholesale and retail) in six countries (Austria, the Czech Republic, Germany, France, Spain and Sweden). This report is a continuation of an earlier report.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 the Banking Amendment Bill 2010 / BSL

by Brotherhood of St Laurence | Brody, Gerard.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2010Description: 6 p. PDF.Other title: BSL submission to the Inquiry into the Banking Amendment Bill 2010.Online Access: Electronic copy Summary: "The Brotherhood believes that the effective operation of a fair and inclusive market for financial services is a joint responsibility of the financial industry, government and civil society. However, we believe that there are opportunities through banking and financial service regulation to promote simple, appropriate and fair financial products and services. Such regulation should be guided by principles of actual consumer behaviour, particularly those living on lower incomes, who are more susceptible to financial hardship arising from ill-informed decision-making and expensive or unfair products and services."(Conclusion)Availability: (1)

The OECD Roundtable on Corporate Responsibility 2007 : the OECD guidelines for multinational enterprises and the financial sector : the supporting role of the OECD guidelines. /

by OECD Watch | Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence ; OECD Watch 2007Description: 9 p.Online Access: Electronic copy Summary: OECD Watch and the Brotherhood of St Laurence welcome the opportunity to participate in the OECD Annual Roundtable on Corporate Responsibility. This year?s theme?the OECD Guidelines for Multinational Enterprises and the Financial Sector?is both timely and necessary. This response supports the preliminary observations raised by OECD Watch at the March 2007 Investment Committee Consultation.Availability: Items available for loan: Brotherhood of St Laurence (1).

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