School of Social and Political Sciences - Research Publications

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Start date: 2020 × End date: 2020 × Type: Report × Author: Bowman, Dina ×

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    Economic security and dignity: a financial wellbeing framework
    Brown, JT ; Bowman, D (Brotherhood of St Laurence, 2020)
    This paper proposes a financial wellbeing framework that recognises the drivers, impacts and experience of economic insecurity and is based on the concept of economic dignity. The framework builds on BSL research into economic insecurity and financial stress. It was developed through a series of workshops with BSL staff, informed by the conceptual thinking undertaken as part of the ANZ Tony Nicholson Fellowship. It will be used to guide the development of programs that directly address financial hardship among those experiencing disadvantage, and to support advocacy for government and institutional policies that create the conditions for the financial wellbeing of all Australians.
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    Everyone counts: uncovering patterns of Newstart Allowance
    Bowman, D ; Banks, M ; Whiteford, P ; de Silva, A ; Anantharama, N ; Csereklyei, Z ; Mallett, S (Brotherhood of St Laurence, 2020-12-10)
    Our analysis of administrative social security data aimed to gain a clearer understanding of income volatility in Australia. The focus is on unemployed and underemployed Australians who received Newstart Allowance (NSA1)—a group of individuals highly exposed to the risks of financial insecurity. Our findings highlight some significant misunderstandings about the scale, scope and conditionality of Newstart Allowance receipt. While longer-term reliance on NSA is an important policy issue, short-term reliance is underestimated. An increasing share of recipients—especially women—are facing irregular payments due to suspensions. Our analysis raises questions about the extent to which the Australian social security system is fulfilling its mission to improve the lifetime wellbeing of individuals and families. The study drew on DOMINO (Data Over Multiple Individual Occurrences), a Department of Social Services database that records all interactions with Centrelink since 2001. This daily, event-based data provides an important opportunity to track individual patterns of NSA receipt over a 16-year period (2001–2016). This baseline study is part of a larger research program investigating the relationship between income volatility and social security payments. The program involves researchers from the Australian National University, the Brotherhood of St. Laurence and RMIT University.