Statement from the CEO For more than 150 years, AnglicareSA has supported South Australians in need. Our 1700 staff and 700 volunteers support nearly 55,000 people each year through our diverse services including financial literacy, parenting, youth, foster care, new arrivals, Aboriginal services, disability care, emergency assistance, homelessness, housing and aged care.

AnglicareSA holds a vision of justice, respect and fullness of life for all, and is guided by five values:Integrity • Compassion • Stewardship • Equity • Servant Leadership

AnglicareSA believes financial inclusion is a fundamental right, and a critical pillar of a thriving and equitable society. It is in the interest of all public, private and community organisations to enable, promote and further financial inclusion for all. In doing so, we create agency in individuals, stronger families and more resilient communities.

AnglicareSA works with individuals from all walks of life to provide person-centred and holistic support. We are there for people from birth until death, and for every life stage in between. We’re there to stand side by side with people in need, supporting them to grow stronger and develop resilience in order to live their best lives.

In 2015/16, AnglicareSA received over 3800 financial service enquiries, and provided financial services and support to approximately 2200 customers; we also provided emergency assistance services to more than 7,000 households. Demand for our emergency and crisis services continues to be high, largely due to the challenging economic climate, cost of living and ongoing changes to personal situations.

For many of our customers, financial inclusion and resilience represents more than financial hardship; it represents choice - the choice to flee domestic and family violence; the choice to feed one’s family; and, fundamentally, the choice to live a life with dignity. Across our services we demystify money, destigmatise poverty and unemployment, and provide practical support to help people understand their options, and the resources available to them.

Financial hardship is often more acute for people already experiencing disadvantage, such as low income, limited education and financial exclusion. We know financial vulnerability affects the physical and psychological wellbeing of individuals and families, their participation in society and overall wellbeing.

We see the impact of financial exclusion on women daily in our services. For example, approximately 38% of customers accessing our homelessness services are (primarily) women experiencing and fleeing domestic violence. Often, financial vulnerability, rather than the safety of themselves and their children, drive their decision to stay or leave a violent partner. FIAP provides an opportunity to celebrate the vital role women play in enhancing economic prosperity in their families and communities, while recognising that significant barriers to achieving women’s economic security and equality continue to exist. and equality for women is

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fundamentally a human rights issue, it is also an economic one, as, in Australia alone, closing the gap between female and male employment could boost Australia’s GDP by 11%1.

Financial self-efficacy is more about self-confidence and a belief in the person’s own ability to make a difference to their financial situation. Its strongest association is with staying informed, in turn suggesting an active engagement in managing their finances. Achieving financial inclusion now and into the future requires us having a solid yet flexible budget, and appropriate money goals that will give meaning to maintaining a budget. More Australians than ever before are saying they want to improve their financial situation, they just don’t always know how to get started. Research has shown that there are significant disparities in knowledge and understanding of financial matters across different groups in the community

AnglicareSA is passionate about the positive change financial inclusion can have on people’s lives. We know exclusion from mainstream financial services and resources can be isolating, stigmatising and disempowering for individuals, families and communities. AnglicareSA responds to needs and issues in ways which enhance and protect dignity and integrity. We provide people with the opportunity to reach their full potential by building on their existing strengths with skills, knowledge and confidence.

By collaborating with other like-minded organisations through the Financial Inclusion Action Plan, we hope to work towards a common agenda of improving outcomes and wellbeing for individuals and families. Through our FIAP involvement, we will strive to build greater awareness of the importance of financial inclusion across our organisation, with our employees, customers, suppliers and community.

AnglicareSA’s FIAP will also complement our efforts to achieve broader inclusion across all areas of AnglicareSA, through our Reconciliation Action Plan (RAP), and our Access and Inclusion Plan. AnglicareSA’s RAP affirms Anglicare’s commitment to practical and symbolic actions that contribute to our shared vision for a reconciled Australia. The plan is underpinned by the principles set out in the UN Declaration on the Rights of Indigenous Peoples and Anglicare’s own vision of justice, respect and fullness of life for all.

We thank Good Shepherd Microfinance and Ernst and Young and the Centre for Social Impact for their support of this important initiative, and congratulate the eleven other Trailblazers, and look forward to celebrating future successes and milestones as together, we create a more financially inclusive and healthy society.

PETER SANDEMAN1 Goldman Sachs JBWere, Australia's Hidden Resource: The Economic Case for Increasing Female Participation (2009), p2.

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CHIEF EXECUTIVE OFFICER, ANGLICARESA

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PRODUCTS AND SERVICESAnglicareSA’s services are those which enable our Vision for Justice, respect and fullness of life for all. All of AnglicareSA’s services target the most vulnerable in our community; our FIAP services are those which will directly influence financial inclusion/resilience of our customers.

FIAP Action Area: Products and Services

Stakeholder Group Committed Action Statement Output Outcome/Impact Responsibility Time

frame

Improve hardship responses for AnglicareSA customers• Review our Hardship and Bad Debt policies

across AnglicareSA’s fee based services.

Streamlined organisational policy for people experiencing hardship

Consistent response options for customers experiencing hardship.

Risk and Quality 2020

Improve service access for Aboriginal customers across AnglicareSA’s community financial services.

• Embed service targets across financial inclusion services.

Strategies to increase service access and uptake by Aboriginal customers.

Increase number of Aboriginal customers and accessing financial inclusion services.

Community Services

2020

Improve access to technology for people with barriers to mainstream service access.

• Explore installing charging station/s and public kiosk/s in ‘community hub’ offices.

Barrier-free access to technology.

Increase number of AnglicareSA customers accessing technology with dignity.

Community Services

2020

Improve evaluation and quality of financial services Implement RBA based evaluation framework

across community financial services.

Improved measurement and outcomes tools across Community Financial Services.

Improved evidence-base to understand impact of, and improve the quality of financial counselling on those accessing the service.

Community Services

2019

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CAPABILITIES, ATTITUDES AND BEHAVIOURS Improving AnglicareSA’s internal capabilities, attitudes and behaviours to better service vulnerable groups, directly impacting their financial literacy and inclusion. resilience through a more informed decision making process

FIAP Action Area: Capability, Attitudes and Behaviour

Stakeholder Group Committed Action Statement Output Outcome/Impact Responsibility Time frame

Customer-first process for Financial Counselling customers- Establish a single-entry point for customers accessing financial services.

New processes to support single-entry and streamlined responses for Community financial service’ customers.

Increased quality, consistency and timeliness of support for customers.

Community Services

2020

Increase financial competency and literacy across target services and staff.- Deliver Money Minded2 training to staff and services with high exposure to financial stress.

Deliver Money Minded2 training to priority services across housing, homelessness and disability.

More staff and customers receive financial support within their existing service delivery.

Community Services

2020

Improved early intervention and visibility of financial support services:- Extend services to include self-start tools and support people in their waiting periods.

Strategy to promote Money Smart App, promote AnglicareSA on Affordable SA app etc.

Increased range of financial service options from early intervention to when someone is in crisis to better support financial resilience.

Community Services

2020

Standardise our ethical procurement process.- Procurement targets with local and

Indigenous businesses.

Embed local and Indigenous procurement business targets into organisational policies.

Increase the number (or % of total procurement) of local and Indigenous businesses that AnglicareSA procures from.

Finance and Procurement

2020

2 This initiative is delivered in support of the National Financial Literacy Strategy 2014 - 17, led and co-ordinated by the Australian Securities and Investments Commission

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AWARENESS AND UNDERSTANDING OF CULTURE AND DIVERSITY AnglicareSA is committed to promoting Social Justice through a shared purpose and commitment to humanity, which is strengthened by diversity.

FIAP Action Area: Awareness and Understanding of Culture and Diversity

Stakeholder Group Committed Action Statement Output Outcome/Impact Responsibility Time frame

Increased awareness of financial inclusion as a social justice issue in South Australia.

Publish and promote FIAP via media and advocacy campaign.

Increased number of customers and stakeholders aware of FIAP principles, including increased awareness between financial inclusion and social justice.

Strategy and Marketing

2020

Enhanced FIAP partnerships and awareness to promote financial inclusion across South Australia.

Leverage networks (ie. SACOSS and FADVAN) to promote FIAP and financial inclusion in SA.

Increased awareness and uptake of FIAP by other agencies in South Australia.

Community Services

2020

Improve access of financial services for CALD and Aboriginal clients.- Conduct interpreter training for financial counselling staff.

Interpreter training conducted with 100% of all financial counselling staff.

Increased participation in financial counselling by Culturally and Linguistically Diverse customers.

Community Services

2020

Improve access of financial services for CALD and Aboriginal clients- Partner with Aboriginal and CALD organisations to promote AnglicareSA services.

Communication plan for developing partnerships with Aboriginal and CALD agencies to raise awareness of our financial services.

Increased participation in financial counselling by Culturally and Linguistically Diverse customers.

Community Services

2020

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ECONOMIC PARTICIPATION AND STATUS Strengthen the economic participation and status of vulnerable groups, whose independence and wellbeing is compromised due to limited access, life events and low income.

FIAP Action Area: Economic Participation and Status

Stakeholder Group Committed Action Statement Output Outcome/Impact Responsibil

ityTime frame

Review Workplace policies to ensure they are financially inclusive and empowering for all staff, particularly those who are at risk of vulnerability.

Benchmarked family friendly and financially inclusive HR policies, including Family Support Leave, Payroll Flexibility, Super on maternity leave etc.

Maintaining/increasing the staff survey results for wellbeing, related to flexibility and family friendly workplace HR options.

People and Culture

2020

Promote internal access to Financial Counselling supports- Promote financial counselling as an Employee Assistance Program (EAP) option via preferred supplier (Acacia).

Monitor financial counselling uptake through EAP providers to ensure uptake is in line with industry benchmarks.

Increased number of AnglicareSA staff accessing Financial Counselling services through EAP services and are subsequently more financially resilient.

People and Culture

2020

Economic transition supports in Northern Adelaide (Holden closure).- Participate in and provoke thoughtful responses from Government and the local community.

Extend community response to include financial counselling supports for workers affected by Holden closure.

Increased number of people accessing financial counselling services via Holden closure.

Community Services

2020

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Statement by the FIAP Partnership Group

On behalf of the FIAP Partnership Group, I would like to acknowledge and congratulate AnglicareSA for your ongoing public commitment to financial inclusion and financial resilience.Together we are embarking on a journey to explore, learn and grow – both as a program through this Foundation FIAP and as Trailblazers undertaking the important process of reducing inequalities and promoting inclusive growth in our communities.Financial hardship can impact us all, at any stage in our lives – through the FIAP, our hope is that every organisation will be able to respond in time and every time to ensure financial hardship can be identified early, managed and overcome. By building capacity, awareness and greater access to appropriate products and services, organisations will see the social and economic benefits in their engagement, outcomes and prosperity of customers and employees. The FIAP Partnership Group exists to support the growing community of practice to identify opportunities to better respond to financial risks, develop meaningful actions across key stakeholders and measure the social and economic impact. Drawing on our individual expertise the FIAP Partnership Group will provide implementation, evaluation and quality assurance support to ensure key actions you have identified are (i) on track to achieve the intended impact and (ii) engaging those stakeholders in most need of support. We are proud to be on this important journey with AnglicareSA. At the heart of the FIAP program is the belief that together we can achieve more. AnglicareSA joins the growing community of organisations that understand they play a critical role in Australia’s financial future – together we can reduce inequalities and realise inclusive growth for all Australians.Sincerely,

Vinita Godinho – General Manager, AdvisoryGood Shepherd Microfinance On behalf of the FIAP Partnership Group.

Supported by

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