eS4W e-Bulletin March/April 2014 - Financial Capability
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eS4W's Priority Issue 2:  

Gender equity in the workplace: pay equity, retirement savings and Small to Medium Enterprise (SME) Sector 
eS4W is engaging in a project to that will fill a gap in the existing  financial literacy ‘toolkits’ and will link women with existing on line resources. It will also serve to promote gender pay equity in the SME sector.

The project will focus on engaging young women in particular and informing them about salary and contract negotiation. The outcomes of such negotiations has a long term impact on a woman’s superannuation and retirement savings.  The on line product will also be useful to women at all stages of their working life.

Please share with us any research or projects undertaken by your organisation in this area of financial capability via an email to
Good Shepherd Microfinance’s No Interest Loan Scheme (NILS) provides individuals and families on a low income access to safe, fair and affordable credit. In the period July to December 2013, 11,756 NILS loans were provided to people on low-incomes.  Sixty-seven percent of these borrowers were female, and 35% were single with children. (more information)

What is NILS?

The NO INTEREST LOAN SCHEME (NILS) provides individuals and families on a low income access to safe, fair and affordable credit.



Top 10 money tips for women                                                              Source -
1.  Start with a check-up
2.  Track where your money goes
3.  Don't dream it, do it
4.  Diarise your big bills
5.  Get off the credit card roundabout
6.  Prepare for change in your life
7.  Bridge the super gap
8.  Resist loan pressure from your family
9.  Don't lose sleep about your debts
10. Build wealth for your future
ATO Women and Super Campaign

The ATO is supporting women who want to take control of their superannuation to ensure a more comfortable retirement.  Their 5-step super check at aims to help women manage their super and maximise their retirement income.


You can download this publication in Portable Document Format (PDF) – download Do the 5-step super check and get your super sorted (PDF, 664 KB).

eS4W's Executive Officer's highlights from March
  • Financial Literacy Project: Sally Jope attended meetings with Women In Super, ASIC Financial Literacy, Philippa Hall, MoneySmart & Australian Banking Association.
  • Sally continues eS4W's ongoing work with WGEA re SME sector and other projects
  • eS4W are upgrading Gender Statistics web page with advise from Dalma Jacobs
  • Sally represented eS4W at the Australian Centre Leadership Women awards at NSW Parliament House.  eS4W's new partner, Women’s Health in North received an award
  • Sally has begun development of project proposal with NRWC and JERA for Canberra Gender and Disaster Roundtable Discussion in June to further the work and recommendations from the "Women from the Flood Plains" report.
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More than 50% of retired women live in households with annual incomes below $30,000; Single, divorced and widowed women are amongst the most disadvantaged. See Living Longer on Less, a study of the lives of women as they face an insecure old age -
A new report released by the women's advocacy group, the National Rural Women's Coalition (NRWC) has identified that rural women want to undertake training that will enable them to communicate more purposefully and powerfully in order to grow their rural communities. The report, titled "What Do Rural Women Want To Know" can be viewed here 
Congratulations to Julie McKay, UN Women on appointment as Gender Adviser to Defence Force

Audit report shows progress on treatment of women in Defence Forces

AI Group comment on new Workplace Gender Equality reporting requirements
Opposition changes position on sole parents

The labour force participation of Australian mature-aged men: the role of their wife's workforce participation

Fair Work Ombudsman's Small Business Helpline hits 50 000 calls
economic Security4Women (eS4W) is one of the National Women’s Alliances. It is an alliance of women’s organisations united in the belief that economic wellbeing and financial security are essential for women and will enable women of all ages to have an equal place in society.

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