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The Australian National University

Siobhan McDonnell

Document: Discussion Paper

Policy-makers have become increasingly interested in the use of micro-credit models to alleviate poverty among Australian Indigenous communities. These models, such as the model developed by the Grameen Bank, work to extend small amounts of credit to entrepreneurs too poor to qualify for commercial lending. The key element of the Grameen Bank model is its peer group lending structure, which fosters mutual accountability for loans among borrowers.

Document: Discussion Paper

This paper begins with a profile of Torres Strait and an analysis of potential areas, such as tourism and art and craft, in which Indigenous women's businesses could be developed. Such business development can only occur if Indigenous women are given adequate access to credit. Credit sources available to the Indigenous population in Torres Strait include the Torres Strait Regional Authority's (TSRA) Business Funding Scheme and the loans available from the National Australia Bank.

Document: Discussion Paper

Australia's financial system is undergoing a period of substantial structural change. A number of interrelated factors are implicated: changes in the competitive forces within the sector, the introduction of new technology, and changing consumer demands. While these changes may have had positive impacts on most consumers, they have had a number of negative impacts, particularly for low-income consumers of financial services and for people located in rural and remote communities.

Document: Discussion Paper

This paper examines key competition and consumer issues faced by Aboriginal people in remote Aboriginal communities, with particular reference to the provisions of the Trade Practices Act 1974 (TPA). The research was commissioned by the Australian Competition and Consumer Commission (ACCC), and addresses the implications for the operation of the TPA of some specific economic practices of Aboriginal consumers and Aboriginal businesses.

Document: Working Paper

This working paper is based on a literature search conducted to identify and review relevant Australian and overseas research that is of relevance to Indigenous competition and consumer protection matters. The focus of the literature search has been on matters of relevance to Indigenous communities throughout Australia related to the Trade Practices Act 1974 (TPA). Results of the literature search suggest that most research conducted to date has focused on issues associated with Indigenous community stores and consumer banking.

Document: Working Paper

The ability of people to manage and budget their incomes, arrange to pay third parties, purchase food, goods and services, and maintain a level of financial and economic independence and planning, all rely on maintaining informed access to appropriate banking and financial services.

Document: Working Paper

A study of the Tangentyere Bank Pilot Project is important, as it is often cited as a ‘best practice’ model of financial service provision and financial literacy training (see McDonnell and Westbury 2002). For this reason, this report focuses on aspects of the Tangentyere project that may be applied to other Aboriginal communities in central Australia.

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