scholarly journals A Law and Behavioural Economics Analysis of High-Cost Lending in New Zealand

2021 ◽  
Vol 52 (2) ◽  
pp. 373-412
Author(s):  
Jeremiah McLanahan

The most interesting recent developments in economics have come from behavioural economics, which attempts to model how people will behave in real life situations. The insights offered by behavioural economics can also be applied to law. This article discusses law and behavioural economics generally, and then applies it to the New Zealand high-cost loan industry. The high-cost loan industry is responsible for a great deal of harm in New Zealand, and in 2019 Parliament passed sweeping amendments to the Credit Contracts and Consumer Finance Act 2003 to insulate consumers from that harm. Law and behavioural economics suggest alternative strategies to those amendments that can address the harms while retaining the benefits that high-cost loans can provide. This article designed an experimental survey to test one such strategy, and the results and implications for policy are discussed.

2021 ◽  
Author(s):  
◽  
Tessa Lynch

<p>Generally, one in five New Zealanders experience mental illness. Majority of lifelong mental illnesses begin before the age of 25, presenting a real problem for youth. In 2018, young people of New Zealand called for more help as they rallied outside parliament. The government responded by allocating more money towards student mental health. Yet, employing more counsellors, which is necessary, is not the only way to contribute to an urgent need for a new approach towards supporting mental health and wellbeing.   This research portfolio responded to this complex situation by developing ‘a guide’ for the design of tertiary spaces supportive of wellbeing. One of the most important goals of this work was to align the research closely with user needs and views, therefore research methods involved including students views in more than one phase of development. The work draws on evidence based design, geography, health and architectural theory and the existing wellbeing knowledge. Engagement with the users, observation, experiments and real life interventions were critical in refining a conceptual framework which kept the users at the centre of the process. The outcome of this research was a resource to guide the design of tertiary space for wellbeing, using five intervention points, which could have a positive effect on the student wellbeing if implemented as a system.  New Zealand must shift the current model of mental health care towards more holistic understandings of health, which better incorporates Māori health and wellbeing. Despite New Zealand’s bicultural values, Māori experience significantly higher rates of mental illness. This prompted to design with the same understandings of hauora (health). As a result, the conceptual framework presented a multi-dimensional, interconnected understanding of wellbeing through an integrated framework exploring physical, cultural, social, learning and spiritual environments.   While it is acknowledged that environments can affect our mental health, this is an under researched field requiring motivation to stimulate discussion and change. This research advocates wellbeing as a central focus in the design of our built environments and explores the opportunity for architecture to facilitate our student and national wellbeing goals.</p>


2019 ◽  
pp. 59-76
Author(s):  
Sharon Shalev

This chapter looks at the use of solitary confinement in three jurisdictions where the author has conducted research: England and Wales, New Zealand, and the United States. It asks when and why prisoners are placed in solitary confinement in these jurisdictions, and what are the conditions of their confinement. The chapter's main focus is on the long-term use of solitary confinement as a tool for managing individuals classified and labeled as the most dangerous or troublesome in the prison system, including in New Zealand's Management Units and England and Wales’s Close Supervision Centres. Finally, it examines recent developments and asks what learning there might be for other jurisdictions.


1992 ◽  
Vol 62 (3) ◽  
pp. 301-323 ◽  
Author(s):  
Sue Middleton

In this article, Sue Middleton draws on interview data from the initial phase of"Monitoring Today's Schools," a research project to monitor the impact of New Zealand's educational restructuring. Unlike restructuring movements in other countries,the New Zealand movement specifically included goals of social equity and cultural inclusiveness, and Middleton focuses on the reactions of parents, teachers,and administrators to the restructuring efforts surrounding these issues. After presenting a brief historical overview of the development of and debate over equity and cultural inclusiveness in New Zealand education, Middleton presents excerpts from interviews with members of three different schools' boards of trustees, which were created as part of the restructuring effort to move more authority to the local school level. She includes their reactions to the impact of social equity and cultural inclusiveness policies on their schools and their children, and concludes by describing recent developments in New Zealand education regarding these issues.


1992 ◽  
Vol 10 (3) ◽  
pp. 267-281 ◽  
Author(s):  
R A Kearns ◽  
J R Barnett

New Zealand, like many other capitalist countries, has recently witnessed an increased corporate involvement in medicine. One manifestation of this change has been the entry of medical ‘supermarkets’—multipurpose clinics which juxtapose general practitioners (GPs) and specialists, are company owned, and employ advertising. The authors document the development and implications of these clinics which, although small in number, have induced change in the behaviour of the GP community at large. They conclude that recent developments involve a ‘coming out of the closet’ of a fundamental contradiction in the way general practice is conducted in New Zealand. This is between the role of the caring providers founded on the Hippocratic oath, and that of income-generating business people within an increasingly market-driven society. This contradiction leads to speculation on a broader question: The degree to which competition among primary care provides is possible within fee-for-service and other types of health-care systems.


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