Brotherhood of St Laurence

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A little idea...with big results : Saver Plus

by ANZ Banking Group.

Publisher: Melbourne, Vic. : ANZ Bank, 2008Description: 18 p.Online Access: DOWNLOAD PDF Notes: Publication promoting the 'Saver Plus' scheme.Availability: Items available for loan: Brotherhood of St Laurence (1).

All change or plus a change ? The global financial crisis and four key drivers of the world economy. /

by Thirlwell, Mark.

Publisher: Sydney, N.S.W. Lowy Institute for International Policy 2009Description: PDF.Notes: URL: '' Checked: 2/06/2009 11:32:09 AM Status: Live Details: HTTP status 200 - Usual success responseSummary: "It's now common to hear the claim that the global financial crisis will fundamentally change the world economy. In a new paper in the Lowy Institute's Perspectives series, Mark Thirlwell asks whether the changing facts about the world economy - plummeting growth, soaring risk aversion, collapsing commodity prices, and a massive expansion in the role of government are so significant that we have to change our minds about the fundamental ways in which the world now works." -- Publisher website.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)

Brotherhood of St Laurence submission : Inquiry into Social Security and Other Legislation Amendment (Welfare Reform and Reinstatement of Racial Discrimination Act) Bill 2009 and the Families, Housing, Community Services /

by Smyth, Paul | Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2010Description: PDF.Online Access: Electronic copy Notes: 8 February 2010 Bibliography : p. 20 Paul Smyth, General Manager Research and Policy Centre Brotherhood of St Laurence (2003-2013Summary: This submission will examine the policy implications of the proposed amendments to the Racial Discrimination Act which will take the approach to income management developed in certain remote indigenous communities and extend them across the board to non-indigenous communities as well.Availability: Items available for loan: Brotherhood of St Laurence (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).

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)

Disagreement in partners' reports of financial difficulty

by Breunig, Robert | Cobb-Clark, Deborah | Gong , Xiaodong.

Publisher: Canberra, A.C.T. Australian National University. Centre for Economic Policy Research 2005Description: 35 p. ill. PDF.Online Access: DOWNLOAD PDF Notes: May 2005Summary: We use unique data in which both partners report about household finances to demonstrate that there is often disagreement about whether the household has experienced financial difficulty in the past year. Four alternative explanations for this disagreement are tested using the data. The results indicate that disagreement may be related to the severity of the underlying material hardship rather than to gender differences, information asymmetries, or individual (as opposed to household) views of financial difficulty. This implies that standard surveys which collect information about the household’s financial position from a representative individual may fail to completely characterize the nature of material hardshipAvailability: Items available for loan: Brotherhood of St Laurence (1).

Discussing retirement : insights from a qualitative research project /

by Jefferson, Therese.

Publisher: 2008Availability: No items available

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)

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)

Evaluation of income management in the Northern Territory /

by Australia. Department of Families, Housing, Community Services and Indigenous Affairs.

Publisher: Canberra, A.C.T. The Department 2010Description: viii., 87 p.: ill., graphs.Other title: Australia. Department of Families, Housing, Community.Online Access: Electronic copy Notes: Bibliography : p. 87Summary: This paper is an evaluation of the income management program introduced as part of the Northern Territory Emergency Response that was announced in June 2007. The report is structured around key evaluation questions exploring how well the income management program was implemented and administered, and whether it was achieving its objectives. The evaluation used quantitative data from a client survey and qualitative data from focus groups of key stakeholders, as well as telephone surveys of community store operators, a survey of Government Business Managers and a qualitative report on community consultations.Availability: Items available for loan: Brotherhood of St Laurence (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)

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 assistance for vulnerable families : two proposals for helping troubled vulnerable families. /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 1972Description: 18 p.Online Access: DOWNLOAD PDF Notes: Cover title : Financial assistance for vulnerable families.Availability: Items available for loan: Brotherhood of St Laurence (1).
Items available for reference: BSL Archives (1).

Financial education for youth : the role of schools /

by Organisation for Economic Co-operation and Development.

Publisher: Organisation for Economic Co-operation and Development 2014Description: 180 p.Online Access: OECD iLibrary (Read only) Notes: waiting on print copy 12/5/2014 Table of contents: Chapter 1. The importance of financial education for youth -- The importance of financial literacy for individuals -- Benefits of financial literacy -- Financial education for youth and in schools -- Chapter 2. Implementing financial education in schools -- Strategies to promote and influence political willingness -- Effective approaches for the introduction of financial education into school curricula -- Tools to support the introduction of financial education in schools -- Training the teachers -- Resources and pedagogic materials -- Ways to ensure the sustainability and efficiency of programmes -- Role of private financing: importance and challenges -- Evaluation of financial education programmes -- Chapter 3. Comparing selected financial education learning frameworks -- Scope and definition -- History of the development of existing frameworks -- Comparative analysis of content and pedagogical features -- Existing financial education learning frameworks -- Annex A. INFE Guidelines for Financial Education in SchoolsSummary: The importance of financial literacy and specifically the need to promote financial education has been recognised as an important contributor to improved financial inclusion and individuals? financial well-being as well as a support to financial stability. The relevance of financial education policies is acknowledged at the highest global policy level: in 2012, G20 Leaders endorsed the OECD/INFE High-level Principles on National Strategies for Financial Education that specifically identify youth as one of the priority targets of government policies in this domain. That same year, Asia-Pacific Economic Cooperation (APEC) Ministers of Finance identified financial literacy as a critical life skill. ; The publication addresses the challenges linked to the introduction of financial education in schools, and provides practical guidance and case studies to assist policy makers, and a comparative analysis of existing learning frameworks for financial education in the formal school system.Availability: Items available for loan: Brotherhood of St Laurence (1).

Financial inclusion in Australia : towards transformative policy /

by Arashiro, Zuleika | Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence and University of Melbourne Centre for Public Policy 2010Description: 18 p. : ill.Other title: Social policy working paper ; no. 13.Online Access: Electronic copy Notes: August 2010 Bibliography : p. 15-18Summary: This paper explores the need for policies in Australia which not only provide individual and community-based access to financial services but also target systemic barriers which feed the process of financial exclusion.Availability: Items available for loan: Brotherhood of St Laurence (1).

Financial inclusion in Australia and the potential of social networks /

by Lu, Justin W | The Australian Sociological Association.

Publisher: unpub. 2010Description: PDF.Online Access: Electronic copy Notes: Conference paper presented at The Australian Sociological Association (TASA) Conference. Social Causes, Private Lives (2010 : North Ryde, N.S.W.) Bibliography : p. 10-14Summary: The issue of financial exclusion is becoming increasingly prevalent in Australia. The inability to access appropriate and affordable financial products and services from mainstream financial institutions can substantially inhibit an individual's capacity to participate in modern society. While governments have repeatedly turned to the social sphere for solutions to community problems, contemporary interest in questions of inclusion have thus far failed to adequately recognise the utility of networks in promoting financial inclusion. Yet, the idea that social networks have value is not new. Nor are studies of the peer group dynamics and support that enable collective benefits. This paper will argue that harnessing the power of social networks can offer an innovative response to both social and financial exclusion. The way in which networks can be drawn upon to support excluded individuals and encourage participation will also be examinedAvailability: (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).

Financial intelligence : a manager's guide to knowing what the numbers really mean. /

by Berman, Karen | Knight, Joe.

Publisher: Boston, MA Harvard Business School Press 2006Description: xiv, 255 p. : ill.Notes: Includes bibliographical references and index.Availability: Items available for loan: Brotherhood of St Laurence (1).

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