Research: Housing challenges of older women living alone

This report brings together the voices and experiences of older women who are living with housing stress or on low incomes, and the support that helps them stay well.

We conducted research with a small number of women aged 57-83, who described the challenges they face and the strength and resourcefulness they draw on to manage them.

For many, housing challenges are shaped not only by limited income, but by lifetime patterns of low pay, caregiving, disability, racism, migrant experiences and the long-term effects of trauma. These overlapping and intersecting factors influence how older women access and maintain housing and how they experience the systems around them.

The insights shared in this research report offer a clear picture of what secure housing looks like for older women, the barriers that get in the way, and the opportunities to support women to age in place with stability, dignity and connection.

We outline principles, findings and opportunities for Good Shepherd, other social service organisations, and government agencies to address these challenges.

Submission: Budget Policy Statement 2026

Good Shepherd New Zealand recently submitted on the Government’s Budget Policy Statement 2026.

Ahead of the delivery of Budget 2026 in May, the government opened submissions on its funding approach and priorities for the coming year. Should Budget 2026 seek further reprioritisation of funding from initiatives that focus on socio-economic outcomes, we remain concerned about the significant and on-going harm that could be caused.

Budget 2025 has not delivered outcomes for those most in need, and removed funding from important interventions. These savings were achieved through cuts to initiatives that directly impact New Zealanders already facing disadvantage, particularly the changes to the pay equity scheme and tightening of Jobseeker benefits.

Austerity in times of economic stress might provide immediate debt relief but it comes at a cost both in the present and for future generations. 

Research: The impact of Good Shepherd NZ’s services in 2024/25

This report analyses the impact our services and support had for people working through financial harm and hardship, between July 2024 and June 2025.

We conducted research with more than 300 clients to hear what they had to say about the support we provided and the impact it had on their lives. 

The research said that not only did our services make an immediate difference in the lives of clients experiencing financial hardship and family violence – the improvements to clients’ wellbeing were sustained.  

Clients who participated said more likely to have enough money to meet every day needs and have money left over at the end of the month; more likely to feel in control of their finances and confident about their financial future; more hopeful for the future; and more satisfied with life. 

Thank you to our amazing clients for continuing to contribute your feedback to this ongoing research. We will keep using what we learn to improve our services. 

Code of practice

Good Shepherd NZ and the Financial Services Federation (FSF) have created a code of practice to help specialist lenders prevent and reduce economic harm.

FSF and GSNZ Chief Executives

Good Shepherd NZ and the Financial Services Federation (FSF) partnered to create a code of practice (the code), designed to help specialist lenders prevent and reduce harm for customers experiencing economic abuse from family violence.

The responsibilities contained in the code have been co-designed with FSF members to keep staff and customers safe and recognise the business context these types of organisations work within.

A companion resource to the code has also been created to outline how those responsibilities can be met in practice – in collaboration with Good Shepherd NZ, FSF, its members, and family violence specialists.

Submission: People’s Select Committee on Pay Equity 

Good Shepherd New Zealand recently made a submission on changes to the pay equity claims process.

Because the equal pay Bill was passed under urgency, there was no opportunity for public consultation. The People’s Select Committee has been established so the voices of the people of Aotearoa can be heard. 

We see the Equal Pay Amendment Act 2025 as a dismissal of the need for action on gender inequity. Equal pay for work of equal value is a fundamental human right and contributes strongly to overall and future financial wellbeing. Yet our gender pay gap is proof that there is an on-going social and financial impact of traditional gendered norms within the workforce. Certain occupations and industries continue to be female dominated, with poorer pay conditions and significant undervaluation. Many of these jobs require similar skills, education, or responsibilities as male-dominated jobs, yet receive lower pay.   

The pay equity claims process is a rare example of the Government directly intervening to address gender based financial inequity, rather than relying on the market to “right itself” or focusing on policies/changes that prioritise measuring the scale of inequity. There needs to be accessible pathways to rebalance occupational segregation, vertically and horizontally, and the associated differences in pay that come with this. 

Submission: Review of legal aid regime

Good Shepherd New Zealand recently submitted on proposed changes to the legal aid regime.

We are strongly supportive of changes that expand the legal aid system and ensure more people can access justice. However, while we understand the need to focus on financial sustainability for the scheme to continue in its current form, we are concerned that given the current fiscal environment, cost-saving may be prioritised over access to justice.

In our services, we see people who struggle to access justice, particularly in our family violence economic harm service. Any changes to the system should be focused on reducing process inefficiencies and incentivising more lawyers to be part of the legal aid system, not adding additional financial burdens on users of legal aid.

Limiting the availability of legal aid will seriously impact those already at the margins, and women and children experiencing violence. 

Report: Defining dignified income

Today we’re releasing our latest policy paper, “Defining dignified income”. We use the term ‘dignified income’ to describe income that is more than just enough to scrape by – it allows for women to live fulfilled lives.

This paper explores the issues preventing women from receiving equitable employment outcomes and breaks down how we define dignified income to better understand the factors which support women’s financial outcomes.

Year in Review:
2024-2025

Read what we got up to in July 2024 – June 2025 and discover how we supported more people across Aotearoa New Zealand than ever.

Our Year in Review reflects on a record volume of enquiries to our financial wellbeing programmes and the work that was prioritised to continue to grow and adapt to meet the emerging needs of the women and whānau of Aotearoa.

Report: Social return on investment for GSNZ services  

Over the last few months, Good Shepherd NZ has been working alongside MartinJenkins to calculate the social return on investment for two of our services.

These reports calculate the social return on investment for our Good Loans and Family Violence Economic Harm Support services.

The independent analysis found that our services deliver incredible social good for New Zealanders – between $3.40 and $11.80 generated for every dollar spent.

Report: Financial barriers to exiting abusive relationships

This report covers how financial barriers prevent women from leaving abusive relationships.

This report pulls together information from our client research with academic and cross-sector findings to tell a story about the financial challenges facing women when they try to leave an abusive relationship.