Victoria Branch


Professional Development Seminar: Houses are not homes


From: Friday September 1, 2017, 12:30 pm

To: Friday September 1, 2017, 1:30 pm

Houses are not home

The level of wellbeing of a household depends on more than just access to a safe and affordable physical structure.  Previous research demonstrates, for example, that households require access to particular goods including washing machines, separate beds for each child and televisions for them not to be considered ‘deprived’.  These items distinguish (in part) a home from the house.  Importantly, low income earners and welfare recipients have limited capacity to secure these items. 

A growing phenomena facilitating access to these items is the use of Alternative Financial Services.  In this presentation I will consider the various forms of alternative finance options and the emotional and financial costs (and benefits) incurred by the borrower. I suggest a more nuanced understanding is required to understand what seems irrational to one is entirely rational to another.

About the speaker

Ashton De Silva is an applied econometrician at RMIT University’s School of Economics, Finance and Marketing specialising in quantitative analysis applied to areas including:

  • government and non-government policy initiatives,
  • regional economic development,
  • property (including housing) markets, and
  • household finance

In recent years, he has particularly focused on economic analysis of household finance including housing, material deprivation and self-funded retirement options. In the past he has also provided expert econometric advice to New Zealand’s Ministry of Social Development on behalf of the Australian Urban and Research Institute. In addition, he has also been focusing on complex nature of household wellbeing and happiness together with the Brotherhood of St Laurence.


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Essential Services Commission

Level 37, 2 Lonsdale Street, Melbourne VIC 3000

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