Responsibilising young benefit recipients: Income management and financial capability in New Zealand

IF 2.3 2区社会学 Q1 SOCIAL ISSUES

Critical Social Policy Pub Date : 2022-06-21 DOI:10.1177/02610183221106923

L. Humpage, S. Bielefeld, G. Marston, Zoe Staines, M. Peterie, Philip Mendes

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Abstract

New Zealand recipients of the Youth Payment and Young Parent Payment, who are disproportionally Indigenous Māori and sole mothers, must participate in ‘Money Management’. This form of income management restricts spending, monitors financial transactions and requires compulsory budgeting education. Drawing on interviews with Money Management participants, Youth Service mentors and policymakers, this article argues that Money Management aims to responsibilise young people through conditional welfare, rather than improve their long-term financial capability as articulated. This becomes obvious through analysis of how Money Management ignores: 1) New Zealand financial literacy education policy developments, 2) the literature on best practice in financial literacy education and how values about money and wealth are shaped by 3) Māori world views and 4) gendered norms. The article concludes that states should take more responsibility, by increasing social security incomes and better regulating the financial, labour and housing markets, to ensure the financial capacity of their citizens.

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负责任的年轻受益人:新西兰的收入管理和财务能力

新西兰青年补助金和青年父母补助金的领取者是土著毛利人和单亲母亲，他们必须参与“资金管理”。这种形式的收入管理限制支出，监督财务交易，并要求接受强制性预算教育。根据对资金管理参与者、青年服务导师和政策制定者的采访，本文认为，资金管理旨在通过有条件的福利让年轻人负起责任，而不是提高他们的长期财务能力。通过分析Money Management如何忽视：1）新西兰金融扫盲教育政策的发展，2）关于金融扫盲教育最佳实践的文献，以及3）毛利人的世界观和4）性别规范如何塑造关于金钱和财富的价值观，这一点变得显而易见。文章的结论是，各国应承担更多责任，增加社会保障收入，更好地监管金融、劳动力和住房市场，以确保其公民的财政能力。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Critical Social Policy Multiple-

CiteScore

4.70

自引率

8.70%

发文量

期刊介绍： Critical Social Policy provides a forum for advocacy, analysis and debate on social policy issues. We publish critical perspectives which: ·acknowledge and reflect upon differences in political, economic, social and cultural power and upon the diversity of cultures and movements shaping social policy; ·re-think conventional approaches to securing rights, meeting needs and challenging inequalities and injustices; ·include perspectives, analyses and concerns of people and groups whose voices are unheard or underrepresented in policy-making; ·reflect lived experiences of users of existing benefits and services;