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<p><font face="Verdana"><strong>Heather Gridley</strong></font></p>
<p><font face="Verdana">Honorary Fellow</font></p>
<p><font face="Verdana">College of Arts</font></p>
<p><font face="Verdana">Victoria University</font></p>
<p><font face="Verdana">Melbourne, Australia</font></p>
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<p><font face="Verdana">E: <a tabindex="0" href="mailto:heather.gridley@vu.edu.au" target="">
heather.gridley@vu.edu.au</a> </font></p>
<p><font face="Verdana">Ph: +61 419113731</font></p>
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<div id="divRpF983046" style="DIRECTION: ltr"><font color="#000000" size="2" face="Tahoma"><b>From:</b> The Melbourne School of Government/ Centre for Public Policy [georgina.cahill=unimelb.edu.au@mail71.atl91.mcsv.net] on behalf of The Melbourne School of
Government/ Centre for Public Policy [georgina.cahill@unimelb.edu.au]<br>
<b>Sent:</b> Tuesday, 15 July 2014 3:47 PM<br>
<b>To:</b> Heather Gridley<br>
<b>Subject:</b> Event: MSEI and MSoG are pleased to present 'Responsibility for Welfare: The changing role of the state in the age of austerity'<br>
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<span style="FONT-SIZE: 14px"><span><em>Melbourne Social Equity Institute and the Melbourne School of Government presents:</em></span></span><br>
<br>
<span style="COLOR: #ff8c00"><strong>Responsibility for Welfare: The changing role of the state in the age of austerity</strong></span></h4>
<br>
<strong><img style="TEXT-DECORATION: none; BORDER-TOP: 0px; HEIGHT: 264px; BORDER-RIGHT: 0px; WIDTH: 200px; BORDER-BOTTOM: 0px; OUTLINE-WIDTH: medium; OUTLINE-STYLE: none; MARGIN: 0px; BORDER-LEFT: 0px; DISPLAY: inline; OUTLINE-COLOR: invert; LINE-HEIGHT: 100%" src="http://gallery.mailchimp.com/b52ad8340da9c623daab807e5/images/829d9b8e-a6f3-4d5c-b7a8-4b2d3027a9d5.png" width="200" align="left" height="264"></strong><span style="FONT-SIZE: 11px"><span style="FONT-SIZE: 12px"><strong>Professor
Karen Rowlingson </strong><br>
Director of the Centre on Household Assets and Savings Management (CHASM)<br>
University of Birmingham, UK.<br>
<strong> <br>
Thursday 24 July 2014<br>
6.00 – 7.00pm<br>
<br>
Theatre D, Old Arts</strong><br>
University of Melbourne<br>
Parkville, 3010</span><br>
<br>
<span style="FONT-SIZE: 12px"><a style="TEXT-DECORATION: underline; FONT-WEIGHT: normal; COLOR: #d14722" href="http://unimelb.us7.list-manage.com/track/click?u=b52ad8340da9c623daab807e5&id=cf413e28ff&e=5e16a2a2e2" target="_blank">Location map</a></span></span><br>
<br>
<span style="FONT-SIZE: 12px"><span style="COLOR: #ff8c00"><span style="FONT-SIZE: 14px">Over the past 40 years, there has been a major shift in responsibility for welfare from the state to the individual.</span></span><br>
<br>
'Spending' on the more 'passive' areas of welfare (eg unemployment benefits) has been cut in favour of 'investment' in more 'active' areas such as childcare, education and active labour market policies. Individuals are increasingly expected to take responsibility
for their welfare through learning, earning, saving and careful consuming. The current focus on austerity is leading, in many cases, to an even greater withdrawal of the state from welfare provision (the UK’s 2010 budget and Australia's 2014 budget provide
prime examples here). While government discourse is often framed in terms of greater 'individual responsibility' for welfare, the reality is that people are being thrown on the 'mercy of the market' with a resulting increase in poverty and financial insecurity.
One of the impacts of these changes is increased reliance on short-term, high-cost credit, eg through pay-day lenders. This raises issues of responsible lending and borrowing, and the role of the state in relation to regulation. This paper will review the
extent, nature and impact of these shifts, focusing particularly on reforms of the social security system and the regulation of high-cost, short-term credit. While the UK will be the focus of the paper, other countries, particularly Australia, will also be
discussed.<br>
<br>
This lecture will be delivered by <strong>Prof Karen Rowlingson.</strong> Karen is Professor of Social Policy and Director of the Centre on Household Assets and Savings Management (CHASM) at the University of Birmingham, UK. Karen's research interests lie in
the financial security of individuals and families including: poverty, wealth and inequality; social security policy; personal finance; financial capability/education; wealth taxation and asset-based welfare. <br>
<br>
This is a free event co-hosted by the Melbourne Social Equity Institute and the Melbourne School of Government. This lecture will be filmed.<br>
<br>
<span style="FONT-SIZE: 14px"><strong>To register your attendance please visit: <a style="TEXT-DECORATION: underline; FONT-WEIGHT: normal; COLOR: #d14722" href="http://unimelb.us7.list-manage.com/track/click?u=b52ad8340da9c623daab807e5&id=94fd749c66&e=5e16a2a2e2" target="_blank">
http://events.unimelb.edu.au/events/4119-responsibility-for-welfare-the-changing-role-of-the-state-in</a>
</strong></span><br>
<br>
For enquiries please contact: <a style="TEXT-DECORATION: underline; FONT-WEIGHT: normal; COLOR: #d14722" href="mailto:gary.dickson@unimelb.edu.au" target="_blank">
gary.dickson@unimelb.edu.au</a></span></div>
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