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A Life Changing Journey

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Wavy Seperator Line Sally in the playground with her daughter Wavy Seperator Line

About us

Good Shepherd Microfinance is Australia's largest microfinance organisation. We offer a range of people-centred, affordable financial programs for people on low incomes at different financial stages of their lives.

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This year's highlights

Two MoneySmart Awards:

Highly Commended Award for Good Money

Highly Commended Award for 'Microfinance, Inclusion and Economic Growth Research Report'

Impact Measurement Award from Social Impact Measurement Network Australia (SIMNA) for StepUP

Good Money celebrates reaching 10,000 people

Bank of New Zealand committee $10m towards microfinance programs in New Zealand

New insurance partnership launched with Suncorp Group and IAG

'Life changing loans at no interest' report released

Highest number of loans delivered in a financial year

NILS clients experienced improved economic outcomes

Organisational engagement

Wavy Seperator Line Robert in his kitchen Wavy Seperator Line
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Robert never imagined he would need to access NILS. He previously always counted himself lucky. Now back on his feet, he's making fortnightly repayments at an affordable rate.
Read Robert's story

A message from our
Chair and CEO

Dr Christine Nixon APM

Chair

"For all of us, life is a journey. The stories of hope and courage that hundreds of microfinance clients and workers have shared with me are inspiring and have been life changing – for the clients and myself.

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Dr Christine Nixon APM

Adam Mooney

CEO

"Evaluations of each program show that we are having positive impact. Four out of five clients are moving away from crisis and hardship towards stability and resilience - achieving economic mobility.

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Adam Mooney
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Making good progress

In December 2012, our Board launched 'Count Me In' – an audacious strategic direction with five specific priorities for the 2013–2018 period.

  • Program - Community-led Badge
    Community-led
  • Program - Impact Badge
    Impact
  • Program - Inform Badge
    Inform
  • Program - Reach Badge
    Reach
  • Program - Strength Badge
    Strength
Read about our progress against these priorities.

Mapping microfinance

Wavy Seperator Line Map of Good Shepherd Locations in Australia Wavy Seperator Line
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  • StepUP Loan (39)
  • Good Money (3)
  • NILS (630)
  • AddsUP (94)
  • Debt Deduct Pilot (5)
  • Remote Services Delivery Areas

Growing programs

NILS Logo
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    Community-led
  • Program - Reach Badge
    Reach
  • Program - Impact Badge
    Impact

No interest loans change lives

Our flagship program NILS is a national community-based initiative offering clients on low incomes access to fair, safe, no interest credit, up to a value of $1,200. This year 24,378 loans were issued, the highest ever in a 12 month period, totallign almost $22 million. This year’s write-off rate was 5.66 per cent.

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Step Up Logo
  • Program - Impact Badge
    Impact

A step in the right direction

StepUP is a low interest loan for people on low incomes who have difficulty accessing credit from a bank. Launched at five locations in Victoria and New South Wales in 2004, today StepUP loans are available at 39 sites across all states. In the past year alone, 2,950 loans were approved with a cumulative value of $8.4 million.

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Good Money Logo
  • Program - Inform Badge
    Inform

To get you going

Good Money is an innovative concept that delivers community finance in prominent 'high street' locations. Our three Victorian pilot stores in Geelong, Collingwood and Dandenong offer a one-stop shop for a range of financial products and financial counselling.

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Wavy Seperator Line John in his living room Wavy Seperator Line
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Like many of our clients, John had never expected to find himself in need of additional support. But after going through a divorce, he went through a very difficult time. John jumped from payday lender to payday lender until he found Good Money in Collingwood.
Read John's story

Financials

Revenue 2014

Revenue 2014 Graph

Investment in programs 2014

Investment in programs 2014 Graph
Read more about our financials
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Volunteers at the heart of microfinance

1,300

microfinance workers

1,000

or 77% are volunteers

=

120

full-time positions
Volunteers account for 44% of the time spent delivering NILS in 669 locations across Australia
Margaret Jackson - Volunteer at Care Goondiwindi in Queensland Read about our volunteers
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