Brotherhood of St Laurence

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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)

Affordable credit : the way forward. /

by Collard, Sharon | Joseph Rowntree Foundation | Kempson, Elaine.

Publisher: Bristol, U.K. The Policy Press 2005Description: vi, 42 p.Notes: Includes bibliographical references (p. 38-39)Availability: Items available for loan: Brotherhood of St Laurence (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)

Brotherhood of St Laurence submission : Productivity Commission Consumer Policy Framework. /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2007Description: 6 p.Online Access: Electronic copy Summary: The Brotherhood welcomes the Productivity Commission’s commitment to effective consumer policy as all Australians have a right to fair and affordable access to basic services. This access helps low income people to be part of Australia’s mainstream society, and for corporate, government and community sectors to all take responsibility for addressing social problems.Availability: Items available for loan: BSL Archives (1).

Coming to grips with credit contracts : steps to protect vulnerable borrowers

by Sheehan, Genevieve | Brotherhood of St Laurence | Wilson, Therese.

Publisher: Fitzroy Vic. Brotherhood of St Laurence 2008Description: vi, 25 p.Online Access: Electronic copy Notes: Produced with the Griffith University Centre for Consumer Credit and LawSummary: Researchers from the Brotherhood of St Laurence and Griffith University law school sought the views of low-income people about credit regulations, focusing on disclosure and the safety net provisions in the Uniform Consumer Credit Code (UCCC). They found that current pre-contractual disclosure documents did not help participants to understand many of the important terms of the contract, or to know their rights; and accordingly recommended improved regulation to protect this important group of consumersAvailability: Items available for loan: BSL Archives (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).

Crediting the poor : tips for providing bank loans. /

by Sheehan, Genevieve.

Publisher: 2004Description: 7 p.Online Access: DOWNLOAD PDF Notes: October 2004Availability: Items available for loan: Brotherhood of St Laurence (1).
Items available for reference: BSL Archives (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)

Decisions about personal debt among families at risk : personas and scenarios. /

by Singh, Supriya | RMIT University | Shelly, Marita.

Publisher: Melbourne, Vic. RMIT University 2005Description: 17 p.Online Access: Electronic copy Notes: Includes bibliographical references (p.16-17) September 2005Summary: In this report we present personas and scenarios as an aid to highlighting consumer problems and suggesting policy directions relating to consumer debt. We draw on our qualitative study of families at risk to broadly sketch the different ways consumers deal with personal debt. We use stories to illustrate some of the main problems related to decision making about personal debt. Personas and scenarios help place the consumer at the centre of policy, so that we can test policy against the life situations of consumers.Availability: (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)

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).

Evaluation of the Saver Plus pilot phase 1 : final report /

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

Publisher: Melbourne, Vic. RMIT Business 2005Description: 86 p. : ill.Other title: Saver Plus, improving financial literacy through encouraging.Online Access: Electronic copy Availability: Items available for loan: Brotherhood of St Laurence (2).
Items available for reference: BSL Archives (1).

Evaluation of the Saver Plus pilot phase 2 : final report /

by Russell, Roslyn | RMIT University | Mihajilo, Sandra | Nair, Aruna.

Publisher: Melbourne, Vic. RMIT Business 2006Description: 90 p. : ill.Other title: Saver Plus : encouraging savings and increasing financial.Online Access: Electronic copy Notes: September 2006Summary: Saver Plus is a program designed to help families on low income improve their levels of financial literacy, develop a savings habit and build assets for educational purposes. The program is an initiative of the ANZ Bank and the Brotherhood of St Laurence (BSL) and has been implemented through partnerships with Berry Street Victoria, The Benevolent Society and The Smith Family. This document presents the results of the second savings period of the Saver Plus pilot program that ran from October 2004 to December 2005 in four locations: Frankston (the Brotherhood of St Laurence), Shepparton (Berry Street Victoria), Campbelltown, NSW (The Benevolent Society), and South East Queensland (The Smith Family).Availability: Items available for loan: Brotherhood of St Laurence (2), 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).

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).

Families at risk deciding about personal debt : report on the qualitative study. /

by Singh, Supriya | Shelly, Marita.

Publisher: Melbourne, Vic. RMIT University 2005Description: 20 p.Online Access: Electronic copy Notes: Includes bibliographical references (p. 20) September 2005Availability: (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)

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