Good Shepherd welcomes new Chief Executive

Good Shepherd NZ is excited to announce Emma Saunders as our new Chief Executive.

Woman smiling and presenting at a conference.

Emma Saunders stepped in to lead the organisation as interim Chief Executive in mid-2023, and the Good Shepherd Board is delighted that Emma has agreed to continue in a permanent capacity. Good Shepherd NZ Board Chair, Marian Kleist, led the recruitment process. 

“The Board engaged an external consultant to lead an extensive recruitment process and make sure we reached and considered a broad range of excellent candidates across the country. Emma’s skills and experience in driving bold and transformational initiatives to create maximum impact for people in hardship stood out as the qualities we need to take Good Shepherd NZ into the next phase of work, and deliver crucial wellbeing outcomes for New Zealand women and their whānau.”

Emma has considerable experience working at a senior level across the private and public sectors, using data and research to uncover insights and develop strategies, services and products for client and customer-led impact.

As co-founder and Chief Executive of a successful service design business for more than a decade, Emma led a team that delivered major strategy and service-line projects, and guided planning and implementation to ensure commercial organisations and government departments achieved key outcomes.

Emma has a lifelong commitment to tackling issues that compound disadvantage for people – and particularly gravitates toward helping women to stand strong, safe and independent. 

She served as Board Chair at Hutt Valley Women’s Refuge, creating a new structure, guiding and enabling the Chief Executive to develop new services to support women affected by family violence. Emma first joined Good Shepherd NZ as Board Chair, prior to stepping in as interim Chief Executive.

The Mission of Good Shepherd calls strongly to me, and I am honoured and excited to be able to take up the opportunity to lead this important work and drive positive impact in our communities. I have loved my short time leading the team so far, and I am ready to get stuck in and make a difference for more women and their whānau that are facing significant disadvantage in their lives.

Moratorium on attachment orders

Community advocates call for Government moratorium on benefit attachment orders.

We are proud to be in a group of NGOs seeking a moratorium on attachment orders against all benefits, a practice that affects 20,000 people at a total cost of $29 million a year.

On Tuesday 25th of July a collection of community advocates sent a joint letter to Government Ministers Hon Ginny Andersen, Hon Carmel Sepuloni, Hon Rino Tirikatene, Hon Jan Tinetti and Hon Kelvin Davis calling for an immediate moratorium on attachment orders against all social security benefits.

Logos for FinCap, Child Poverty Action Group, DBAS Dunedin Budget Advisory Service, Pakuranga and Howick Budgeting Service Inc, Henderson Budget Service, Auckland Central Budgeting, Debtfix Debt Relief Foundation, Good Shepherd New Zealand, New Zelaand Council of Christian Social Services, Nelson Budget Serviec Te Ratona Whakarite Pūtea o Whakatū, The Salvation Army Te Ope Whakaora, Society of St Vincent de Paul.
The organisations involved.

How attachment orders work

A creditor can apply to the courts for an order if an individual has not paid a debt. If granted, the debtor’s employer, or Ministry of Social Development, are required to deduct an amount from their income on a weekly basis.

A creditor can apply to the courts for an order if an individual has not paid a debt. If granted, the debtor’s employer, or Ministry of Social Development, are required to deduct an amount from their income on a weekly basis.

The system works in a way that makes it easier to get an attachment order against a benefit than a wage. Currently, 80% of all orders are collected from beneficiaries and they bear the brunt of this punitive practice.

The use of attachment orders to collect debt from beneficiaries is a cause of significant financial harm to the affected individuals and their families, as well as to New Zealand society.

We are calling for the introduction of a judgement proof debtor policy, similar to that used in the Australian State of Victoria.

New budget: a chance to breathe

Clients will have more money left in their pockets and more time on their hands thanks to earlier access to ECE, discounted transport and waived prescription fees; all of which have been announced in the 2023 Government Wellbeing budget.

“Too many people across Aotearoa are facing financial hardship because there is simply not enough money left at the end of the week, which is why it is crucial to prioritise communities that are struggling so they can find their feet again and thrive.”

Head of Microfinance, Natalie Vincent

60% of our clients on our Good Loans and DEBTsolve programmes have one or more dependents, and although they are usually great budgeters, they often do not have enough money at the end of the week to cover costs; or the time to bring in more money. 

It makes it harder for them to take back control of their unmanageable debt and thrive again in our communities. We are confident that these new changes will help ease the burden and free up more money for essential costs – improving financial wellbeing across Aotearoa.

We are also pleased to see the Government is continuing to support microfinance and debt solutions. The growing enquiries into our Good Loans and DEBTsolve programmes is evidence that whānau across the country are struggling to keep up with the cost of living and the burden of unmanageable debt. 

Continued investment into our microfinance services, as announced this week, will help us provide whānau across Aotearoa with better support and enable them take back control of their financial wellbeing. Natalie Vincent says:

Our priority is to ensure people facing financial challenges continue to have safe, fair and affordable choices when it comes to credit and have the support they need. 

Increased income thresholds

To reduce the barriers and increase access to fair and affordable lending for the growing number of people who need support, we worked closely with our partner BNZ to change the eligibility criteria to give more people the option to access our Good Loans and DEBTsolve programmes.

As at 1 May 2023, the thresholds people may be able to apply for a no interest loan are as below. Yearly incomes before tax must be less than these amounts:

  • Single: $60,000
  • Family of two: $72,000
  • Family of three: $84,000
  • Family of four: $96,000
  • Family of five: $108,000
  • Family of six or more: $120,000

Our Good Loans programme offers no interest loans up to $7,000 to help people living on limited incomes access an essential item or service; without the risks of high-interest and unmanageable debt.

DEBTsolve supports people to take back control of their unmanageable debt through coaching, advocacy and a potential no interest Good Loan of up to $15,000. Natalie said:

More people in our communities, that have been excluded from traditional finance products, now have another choice when it comes to credit. It is one that is fair and affordable, that is without the risks of unmanageable debt and high interest and has their long-term financial wellbeing at the centre – which I am confident will result in a better Aotearoa for all.

Struggling families ‘stuck’ using buy now pay later for essentials

Family on steps

Reported by Jean Edwards for Radio New Zealand.

Struggling families are getting caught in a poverty trap by racking up hundreds of dollars of debt using buy now pay later schemes for meat, nappies and other everyday essentials, budget advisers warn.

Financial mentors are increasingly alarmed by the number of people buying groceries through lenders Afterpay and Zip, as low-income whānau struggle to cope with the cost of living.

At a Mad Butcher store in Christchurch, every shopper spoken to by RNZ was buying meat using a buy now pay later service.

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