Saving and Asset Building

Financial Literacy

Entrepreneurship

Other Reports

SAVING AND ASSET BUILDING

Wealth, Low-Wage Work and Welfare:  The Unintended Costs of Provincial Needs-tests - 2008

This summary argues that serious review of the unintended consequences of asset limits within provincial income support policy is needed. More than limiting entry, these rules may be inadvertently increasing dependency by adding to the risks for entry and re-entry into welfare systems.

th and Well-Being, Ownership and Opportunity/

Wealth and Well-Being, Ownership and Opportunity /

Richesse et bien-être - Propriété et opportunités - 2006 (Bilingual)

This book is a provocative collection of essays from Canadian and international scholars on the emerging topic of asset building as an approach to poverty alleviation and financial inclusion. 

Independent Living Account program

Independent Living Accounts: Leaving Homelessness in the Past - 2009

This report quantifies the benefit of SEDI's Independent Living Account (ILA) program through a return on investment calculation. The study also explores the potential of expanding the ILA program to other groups vulnerable to homelessness including newcomers to Canada, urban Aboriginal Peoples, foster children, persons with mental health and/or addiction issues, and people who have come into conflict with the law.

Financial Inclusion for Homeless Persons and Those at Risk - 2009

This report emphasizes the need for suitable policy responses and intervention models to improve financial literacy and financial inclusion among Canadians who are homeless . The report identifie s the necessity for investment in staff training among transitional shelters and rent banks to offer opportunities for their clients to increase their financial knowledge and skills.

Building Foundations for Canadians in Transition - 2006

Case study methodology was utilized for this project to evaluate the effectiveness of the Independent Living Accounts (ILA) program in Edmonton, Toronto and Fredericton. Results from the program provided strong evidence that the ILA offers the necessary incentives and supports to help those in transitional housing become self-sufficient.

learn$ave program

Intermediate Impacts of the learn$ave Individual Development Accounts Project - 2009

This report released by the Social Research and Demonstration Corporation (SRDC) indicates that SEDI's learn$ave program has had a positive effect on enrolment in adult education. What separates learn$ave from most other IDA programs implemented earlier in Canada and the United States is the presence of a control group containing participants who did not receive credits and other services, which enabled researchers to see what would have happened in the absence of learn$ave.

Early Impacts of the learn$ave Individual Development Accounts Project - 2008 (Bilingual)

This report presents the 18-month results of the learn$ave pilot program, which was designed to demonstrate how Individual Development Accounts can encourage low-income adults to save.

Design and Implementation of a Program to Help the Poor Save - The learn$ave Project - 2005

This report describes the implementation of learn$ave , a demonstration project designed to test whether financial incentives can help low-income people improve their long-term economic prospects.

Helping People Help Themselves: An Early Look at learn$ave - 2004

This report presents preliminary observations from the learn$ave pilot program. It is the first published report about the pilot, which had 4,827 people enrolled at 10 sites across Canada. 

FINANCIAL LITERACY

Financial Literacy: Strategies to Meet the Needs of Low-Income Albertans – 2009

This research was conducted for the Alberta Ministry of Employment and Immigration. It provides information that will support the ministry in determining the efficacy of financial literacy as a skill set that could increase the self-sufficiency of low-income Albertans.

Financial Literacy: Resources for Newcomers to Canada/

Education financière: Ressources pour les nouveaux arrivants au Canada - 2008 (Bilingual)

This 2008 report explores programs that are available to newcomers and are related to the basics of personal finance. It also identifies gaps in these programs and areas for improvement.

Financial Literacy: Resources for People with Disabilities/

Education financière: Ressources pour les personnes handicapées

- 2008 (Bilingual)

This bilingual report provides a national perspective of financial literacy products and services for people with disabilities, and identifies gaps and best practices, stressing the need for individualized financial literacy approaches.

Delivery Models for Financial Literacy Interventions: A Case Study Approach/

Modes de prestation des interventions d'éducation financière: études de cas - 2008 (Bilingual)

This bilingual paper describes research undertaken to explore effective practices in the delivery and evaluation of financial literacy programs in Canada and abroad, in an effort to contribute to the identification of best practices and innovative delivery.

Moving Forward with Financial Literacy Synthesis Report on Reaching Higher: Canadian Conference on Financial Literacy/

Aller de l'avant en matière de littératie financière Rapport de synthèse sur Vers les sommets: Conférence canadienne sur l'éducation financière - 2008 (Bilingual)

The Financial Consumer Agency of Canada, the Joint Forum of Financial Market Regulators and SEDI hosted an international conference on financial literacy in Montreal in September 2008. The event highlighted the effectiveness of Canadian financial education efforts and examined international strategies. This report summarizes the conference's presentations and recommendations.

Financial Literacy Products and Services: Preferences Among Vulnerable Populations - Understanding consumer preferences among low-income Canadians - 2007 (Bilingual)

The ability to make informed financial decisions is essential for basic functioning in Canadian society. This bilingual paper reports on research that explores the ways in which vulnerable consumers prefer to receive financial education, information and advice.

Environmental Scan of the Supply of Financial Capability Information, Education and Advice in Canada - 2006

In this report SEDI provides quantitative information to describe the current state of financial literacy as well as a synthesis of qualitative information from key informant interviews conducted in the spring of 2006.

Financial Capability: Learning from Canadian Communities - 2006

The Self-Employment Employment Benefits Program in the City of Toronto - 2005

SEDI's early work in the area of self-employment was incorporated into Employment Insurance in 1992, making the Self-Employment Employment Benefits (SEB) program available to unemployed people across Canada. In Toronto, Human Resources and Skills Development Canada (HRSDC) contracted SEDI to administer the delivery of SEB. This report highlights the successes of SEB in Toronto from 1993 to 2005, when 90 per cent of the program participants started businesses, generating over $166 million in gross revenues – during the period each client was in the program.

Ontario Self-Employment Delivery Alliance (OSEDA) Final Report - 2004

OSEDA was a consortium of nonprofits led by SEDI. With the support of the Ontario Trillium Foundation, OSEDA launched the Self-Sufficiency Through Self-Employment project in 1999. The consortium's mission was to provide self-employment services over a five-year period (1999-2004) to low-income people across Ontario. This is a report on the five-year project.

A Self-employment Policy Discussion Paper - Trends, Challenges, Barriers, Conclusions - 2004

This paper is the result of an increasing concern that the growth in self-employment warrants the review of federal government policies and the development of a comprehensive national policy to address the needs of the growing number of self-employed Canadians.

Kit: Exploring Self-Employment Opportunities for People with Disabilities - 2002 (Billingual)

This is a collection of materials dedicated to aspiring entrepreneurs with disabilities and counsellors who work with them. The Self-Assessment Workbook examines the issues people with disabilities need to consider when deciding whether to become self-employed. The Business Plan Guide helps people with disabilities take the next step and develop a comprehensive plan for their full- or part-time business. The Practitioner's Guide orients disability counsellors who may not be familiar with business issues or how to assist clients to use the Self-Assessment Workbook. The Resource Guide, which accompanies the workbook and the guide, lists contact information for over 300 related government programs, business development and disability organization websites throughout Ontario. For people with visual impairments, these materials are available on audio-cassette, large print and in Braille format at CNIB offices across Ontario.

Manuel D'autoévaluation
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Guide Du Practicien

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Guide De Ressources
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