Financial Inclusion

This collection contains resources about income distribution, financial security, household economics, payday lending and more.

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Financial Inclusion

Research report

28 Sep 2017

Purpose

Jobless households in New Zealand looks at the number and structure of jobless households in New Zealand, and examines some of the characteristics of the individuals living in these households. Data from the Household Labour Force Survey (HLFS) has been used...

Working paper

15 Sep 2017

Distributional analysis captures the wide range of policy outcomes and the diverse effects of policy changes across the population. Static microsimulation models are a commonly used tool for producing distributional analysis. Treasury has developed the CAPITA (Comparative Analysis of Personal Income Tax and Transfers in...

Working paper

15 Sep 2017

The first part of this paper develops a theoretical model of fiscal equalisation and uses the model to derive an optimal equalisation formula that has general applicability for federations. If vertical equity is achieved by the central government and horizontal equity by interstate migration, the...

Report

13 Sep 2017

This Australian Council of Trade Unions (ACTU) report shows Australia is at risk of becoming an Americanised society of working poor if people are not given a pay rise.

Rising inequality is forcing working people into poverty, with the number of workers who are...

Working paper

7 Sep 2017

This paper estimates an Inequality Deflator for the Australian economy, which represents the distributional trade-offs that exist within the current tax and transfer system. These trade-offs can be used to evaluate policy alternatives where equity is an important consideration, as well as provide a normative...

Report

5 Sep 2017

This report focuses on changes in the CPI for Darwin across a range of key expenditure areas over the past year. It is important to note that CPI figures only reflect trends for capital cities and Australia as a whole, and cannot tell us about...

Report

4 Sep 2017

This report explores some of the macro trends shaping social and economic inclusion in Australia, including workforce transitions and increasing wealth and income inequality. It considers the ways in which these trends impact on access to affordable energy supplies and participation in the technology-driven energy...

Research report

29 Aug 2017

This study shows rising inequality in the hourly rates of gross earnings (before tax and benefits) among both wage and salary earners and the self-employed over the period 1998- 2015. It finds the hourly earnings of low and middle income wage and salary earners went...

Report

23 Aug 2017

20.7% of Australian households don’t have $500 in savings to use in case of an emergency. Because of this, many are forced to use private sector ‘payday’ lending services, that often involve annualised percetage rates of over 150%, exacerbating families financial woes, not helping them....

Research report

15 Aug 2017

Enabling or ‘set-and-forget’ technologies, such as smart home control devices, are increasingly being advocated by the energy industry, policy makers and researchers as a way to complement and improve residential demand response. While Australia has pioneered trials of enabling technologies, less attention has been paid...

Research report

31 Jul 2017

The ME Household Financial Comfort Report provides in-depth insights into the financial psychology of Australians based on a survey of 1,500 households. The Report is published every six months and includes but is not limited to, the Household Financial Comfort Index, which measures ongoing changes...

Commentary

25 Jul 2017

At the opening session of the annual Economic and Social Outlook Conference, hosted last week by the Australian and the Melbourne Institute, Productivity Commission chairman Peter Harris expressed surprise that no one issue seemed to have sufficiently dominated public debate in recent months to become...

Commentary

25 Jul 2017

It’s hard to pinpoint an exact date, but sometime in the early years after the global financial crisis the problem of inequality moved to centrestage. Evidence that had once been discussed mostly in academic seminars found a wider audience among people trying to understand what...

Briefing paper

1 Jul 2017

This policy brief

summarises trends in spending on social security cash transfers and services in Australia since 1980. examines trends in the proportion of the population receiving different social security payments and compares Australian social security spending with other OECD countries.

Overall, social security...

Research report

28 Jun 2017

Research Summary

This research Inquiry presented evidence on how housing policies might promote labour force participation and economic growth through four channels—housing supply responsiveness, labour mobility, employment decisions and consumption. It highlights repositioning housing to a more central place within economic policy debates,...

Research report

23 Jun 2017

Kiwis are increasingly concerned about inequality – paradoxically, inequality has barely changed in 20 years. This short paper is based on new data and shows that despite popular opinion, income inequality in New Zealand hasn’t changed in the past 20 years, and it’s been at...

Briefing paper

15 Jun 2017

In the context of energy reforms to address peak electricity demand in Australia, this briefing paper provides a critical review of cost-reflective electricity pricing policy and the potential impacts of heatwaves and other extreme heat events in vulnerable households.

It constitutes the first phase...

Research report

8 Jun 2017

Research Summary

This research investigated the relationship between increasing housing prices (or housing wealth) and the increased consumption expenditure of households from before the GFC and afterwards. The analysis revealed that following the GFC, old and middle-aged households showing slightly lower consumption levels...

Article

6 Jun 2017

Has poverty declined or deepened in recent decades? Is inequality growing worldwide, and within most countries? Is Australia doing enough to help lift incomes and reduce inequality around the world?

The charts in this gallery – from a presentation I made at a reception...

Research report

3 May 2017

The report reveals that current economic trends such as house price inflation, tighter credit conditions and low real wage growth mean we can expect to see a significant shift in the customer base of the mortgage market over the next 13 years.

This study,...