Brotherhood of St Laurence - Progress Loans
Jenny is a recently divorced mother in her late thirties living
alone with her with three school-aged children. She is unemployed
and studying to become a teacher. She recently moved into a new
house with her children but had almost no furniture. She used her
Progress Loan to purchase a dining room table, a lounge suite, and
furniture for her children's bedrooms including desks for them to
"We use to sit on the floor with the cat, all together. I
just wanted a fresh start and to be comfortable, have a nice home
particularly for the children."
"I have always had second hand furniture, mainly
hand-me-downs from the family and things we have been
Jenny says the things she bought with her Progress Loan were
basic needs. They have helped her create a more comfortable home
and her children feel more normal like other families.
"Like the table was necessary. We had nothing to eat off. I
could have got something from the hard rubbish but it is nice to
set up properly for the kids."
"The kids love their bedrooms and are excited to sit at the
table to eat. Having their rooms set up has helped them feel normal
like other families. It's been a pretty hard adjustment for
Jenny found the loans application and approval process easy and
straightforward. She was particularly impressed with the help
provided by the loans officer. She finds the repayments easy to
afford without any financial stress.
"XXX [loans officer] was lovely. He was so helpful, non
judgemental, open. He basically filled out the forms, held your
hand through the process, explained everything. He was so
"It's great for me now because my income is so low. The
forty-five dollars a month is manageable without ending up under
Jenny believes the Progress Loan has helped her become more
independent because she is doing it on her own. She feels better
about herself as a result.
"I like to be independent and do things myself. I have been
good at receiving handouts over the years. This has made me feel
better in myself because I have got it together on my own. I see a
need and I can resolve it myself."
Good Shepherd - No Interest Loans Scheme (NILS)
The client read about North West NILS scheme in a local paper
advertisement and contacted Good Shepherd to find out if she could
get help with her car registration, pink slip etc., as she was
short of funds and the due date was fast approaching.
As a single mother of 6 children, 5 of whom are of school age,
and due to her ill health, she needed her car as this was her only
transport option. At her initial interview she was not quite sure
how the loan scheme worked, so when we explained the procedure and
most importantly, that there was no interest charged, she was happy
to apply for the loan. She had tried to apply for a Centrelink
advance but as she's paying off a debt to Centrelink she was not
eligible for an advance payment. She had already received loans
from family members and didn't have any luck with them this time.
She didn't have a credit card hence NILS was her last resort.
The Good Shepherd Assessment Committee agreed that a NILS loan
would help the client and her family and approved the loan. The
loan was for $1,078, with a fortnightly repayment of $40.00. This
will enable the client to complete the loan within 13 months.