Neoliberalism as economic orthodoxy has facilitated the onset of social and public policy that is required to ‘fit’ with the common sense of our times. This article critiques the growth of government-supported financial capability programs in Australia. We explore the experiences of a sample of rural South Australians who have accessed microcredit. We found that microcredit provides an avenue for poverty survival by reducing the stresses associated with financial shocks through consumption smoothing, yet that the extent to which microcredit contributes to addressing poverty and inequality is questionable. We critique how the discourse of financial resilience aims to produce deserving neoliberal citizens who are moving toward self-reliance. We conclude that effort should be directed at developing a structural, proportionate universal approach that does not rely on financially vulnerable individuals navigating a regulatory environment that rewards and punishes in accordance to a market logic.

The article considers how the employment of domestic workers by middle class Malaysian households has been thrown into flux by the imposition of bans on the sending of workers by states such as Indonesia and Cambodia, as well as the decline in numbers of women seeking employment as domestic workers in Malaysia and rising employment costs. This article does not seek to focus on the high-level policy negotiations and disputes that have come to characterize systems of temporary return migration for domestic work in Asia, but to focus in on the everyday political economies (of social reproduction, work and everyday agency) that constitute the conditions of possibility within which bilateral disputes and labour agreements between Southeast Asian states take shape. We examine three dimensions of migration for domestic work in Southeast Asia in ways that bring together literatures on everyday life and social reproduction. These interconnected yet distinct dimensions are (a) the relationship between strategies to boost remittances and flows of workers from some of the most impoverished parts of Southeast Asia; (b) the centrality of low cost migrant domestic workers to Malaysian middle class 'success stories', and (c) the day to day production of 'good' worker subjects -a process that is actively and constantly resisted by workers themselves. Through a focus on these dimensions, the article provides important insights into the mechanisms through arenas of everyday life -and the household in particular -are transformed; becoming sites for the ever widening and deepening of the market economy.

The COVID-19 pandemic is a public health, economic and social crisis that is likely to have lasting consequences, including increased rates of financial hardship, housing insecurity, mental health problems, substance abuse and domestic violence. Workers in the community service sector have continued to support some of the most vulnerable and disadvantaged Australians during the pandemic, while also delivering services to new groups experiencing the economic impacts of virus suppression strategies. We surveyed community service sector workers from across Australia in three snapshots during April-May 2020 and found that perceptions of acute needs and organisational pressure points shifted even through this short period. While the sector faced significant challenges, it responded to the initial phase of the pandemic with flexibility, a strongly client-centred approach and a re-emphasis on collaboration between services. The community service sector's demonstrated capacity for agility and rapid adaptation suggests it is well placed to provide critical supports to those affected by crisis situations and everyday disadvantage. However, the sector's capacity to perform this role effectively depends on strong, stable

The need for non-profit financial services increases with economic hardship. Consumers' experience of accessing non-profit financial counselling services in South Australia was explored across five focus groups. Thirty-six participants discussed service efficiency and potential improvements. The qualitative analysis we completed revealed five themes. Regarding non-profit financial services: (i) Financial counsellors are life changers; (ii) Microfinance is "critical for survival"; and (iii) They're "hidden". For-profit products are (iv) Fast & easy "at a cost"; and there is (v) Frustration with broader system failures. Non-profit financial services assisted with consumption smoothing and emotional support, but without adequate income financial well-being was not established. Consumers rely on for-profit products in crisis situations. Findings support policy to build financial resilience and increase income.

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