Financial inclusion

Inclusive economy
Shared prosperity

Geelong financial inclusion action plan: driving positive change

This report highlights the critical role played by all Geelong Financial Inclusion Action Plan (FIAP) members, over the past 18 months, in addressing the issues of financial stress and hardship affecting the local communities.

Creating effective partnerships to support financial inclusion

Technology can unlock further, much-needed support for people in the community who are struggling to get by, but it needs to be targetted in the right place. Nesta believes that partnerships can be part of the solution to support those financially excluded in UK society.

Economic plan: for a productive, sustainable and inclusive economy

This plan identifies eight key shifts and policy action related to each shift that will tackle the long-term challenges facing the New Zealand economy. They signal the government's goal to balance outcomes across financial, human, natural and social capital, and will act as an overarching...

Analysis of the impact of raising benefit rates

This report, commissioned by the Australian Council of Social Service, considers the impact of boosting a range of allowance payments. It finds that the introduction of such a policy would have a range of ‘prosperity effects’, boosting the size of the economy and the number...

Juggling risks: insurance in households struggling with financial insecurity

To understand why people on low incomes do or do not take out insurance we need to understand their overall financial circumstances and the multiple risks they face.

Jobless households in New Zealand: June 2017 quarter

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.

The effect of anti-poverty and in-work tax credits for families on self-rated health in parents in New Zealand

Background: Some social protection interventions are promoted as policy tools for addressing the social determinants of health to improve individual and population health and health equity. However, there is considerable controversy over whether publicly funded financial credits have a positive, a negative or no effect...
Working paper

CAPITA – Treasury’s microsimulation model of personal income tax and transfers

The Department of the Treasury (Australia) has developed the CAPITA model, a general-purpose, static microsimulation model, which is used to analyse the combined effect of changes to personal income tax and transfer policy on families with different income levels, family structures and living arrangements.

Rising inequality: an Australian reality

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

NTCOSS cost of living report – Issue 17

This report examines changes in the cost of living over the past quarter and the past year in the Northern Territory, with a particular focus on cost of living pressures for vulnerable and disadvantaged Territorians.
Working paper

An Inequality Deflator for Australia

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.
Briefing paper

Focus on regions 3: taxable income

This information paper makes a case for the adoption of taxable income as an indicator of economic activity in Australia's regions. It presents statistical analyses and case studies to demonstrate the superiority of taxable income over either population or employment as an indicator of regional...

Social emergency lending: social emergency saving

This report proposes a new scheme, ‘Social Emergency Lending,’ to help Australian households under financial stress borrow money at very low interest rates.

Smart home control: exploring the potential for off-the-shelf enabling technologies in energy vulnerable and other households

This trial of smart home control in 46 households shows limits to use for managing home energy bills and electricity demand.

Hidden energy poverty: case studies research project

Australian households have faced sharp increases in energy prices over the past decade. Household water bills have also increased. Higher numbers of households are experiencing electricity and/or gas disconnections due to non-payment of bills and joining energy retailer hardship programs to remain connected. As a...

Peak inequality – New Zealand’s own false truth?

Kiwis are increasingly concerned about inequality – paradoxically, inequality has barely changed in 20 years.

The coming boom in inherited wealth

John Quiggin looks at if we will have to learn to live in a patrimonial society?

Tackling inequality: good for the economy, good for the party

A major economics conference wound up talking about the topic on everyone else’s lips, writes Tim Colebatch.
Briefing paper

Social security and welfare spending in Australia: assessing long-term trends

This brief draws mainly on OECD data from 1980-2014 and on Australian Bureau of Statistics (ABS) data about social security payments to households.

Inquiry into housing policies, labour force participation and economic growth

This research presents 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.