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This report documents an 18-month study testing interventions to strengthen and sustain the financial capability and wellbeing of No Interest Loan Scheme (NILS) clients. After NILS loan applicants took part in a financial conversation with a microfinance worker, Good Shepherd added two fintech innovations – text message nudges and a bespoke online financial information toolkit. The conclusion of the study found that clients prefer multiple communication methods and channels, including face to face and technology-led options. This study was funded by Financial Literacy Australia.

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