Finding Backing and Credit Services for Low-Income Consumers

May 4, 2012

PROVINCE LOOKS FOR WAYS TO HELP LOW-INCOME CONSUMERS ACCESS BANKING, CREDIT SERVICES

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Conference to Explore Alternatives to Payday Lending for Manitobans Who Can't Access Mainstream Financial Services: Rondeau

The province will join with community partners in June to offer a conference that will explore alternatives to payday lending for consumers who may not be able to access mainstream financial services, Healthy Living, Seniors and Consumer Affairs Minister Jim Rondeau announced today.
“We have already introduced limits on payday lending fees to protect Manitobans from unfair charges,” said Rondeau.  “The next step is to help low-income people get appropriate financial services in their communities.  This conference will explore ways to do that.”
The conference, called Creating Community Options for Financial Services, will take place June 12 to 14 at the Centre Culturel Franco-Manitobain in Winnipeg.  Conference partners will include:

• Community Financial Counselling Services;
• Community Financial Services Centre;
• Consumers’ Association of Canada (Manitoba);
• Manitoba Consumer Protection Office; and
• Public Interest Law Centre, Legal Aid Manitoba.

“Payday lending and other high-interest credit options create significant challenges for consumers who do not have access to mainstream financial services,” said John Silver, executive director of Community Financial Counselling Services.  “New ideas are needed about how to help people connect to lower-cost alternatives.”
“We are pleased to collaborate with the province and community and industry members in order to address this important issue” said Gloria Desorcy, executive director of the Consumers’ Association of Canada (Manitoba).  “Conference attendees will assist in facilitating the development of a strategy for creating accessible and local options for basic banking and credit services.”
Community groups, consumer advocates, industry representatives, credit counsellors, researchers and policy makers are all invited to attend.  The event will feature speakers with local, national and international experience in basic banking and credit alternatives as well as financial literacy programs.

The province has provided $10,000 for the conference through the Manitoba Payday Borrowers’ Financial Literacy Fund.  The fund is supported by a levy paid by Manitoba’s payday lenders, and aligns with the priorities of ALL Aboard, Manitoba’s poverty reduction and social inclusion strategy. 
More information about the conference is available at www.gov.mb.ca/finance/literacy/community  or by contacting the Consumer Protection Office at 204-945-3800 or 1-800-782-0067 (toll-free) in Manitoba, or via e-mail at consumers@gov.mb.ca.

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Foreign Temporary Workers

Canada should facilitate integration of migrant farm workers Permanently Temporary? Agricultural Migrant Workers and Their Integration in Canada Jenna L. Hennebry February 28, 2012 Research program: Diversity, Immigration and Integration News Release | Summary | Interview | Study
	Summary Every year, 30,000 agricultural migrant workers arrive in Canada as part of the Temporary Foreign Worker Program (TFWP), the Seasonal Agricultural Worker Program and the Low Skill Pilot Project. Although the TFWP is intended to address short-term labour demands, most of these workers return to the same communities year after year, sometimes for more than 25 years. As a result, growing numbers of migrant farm workers are permanently temporary. The increased presence of temporary workers will most certainly have an impact on Canadian communities and workplaces for years to come. Is there a way to conceptualize integration in the context of these migration patterns? How does the TFWP fit into Canada’s multicultural landscape and its goals of integration and social cohesion? In this study, Jenna Hennebry draws on experience with agricultural workers to address some of these questions. The author uses empirical data, interviews and research on the situation in Ontario, the province with the largest number of agricultural migrants, to examine the degree of integration of migrant farm workers. She finds that their inclusion in the communities where they live and work is poor, despite laudable efforts by nongovernmental organizations, community groups and unions — notably the United Food and Commercial Workers Canada union, which has sponsored some unique transnational initiatives. Building on this analysis, Hennebry discusses new ways of conceptualizing and evaluating integration as the concept applies to temporary labour migration. She proposes the Labour Migrant Integration Scale, which she developed for this study, as a tool for evaluating the results of temporary labour migration programs with respect to factors such as human and labour rights, access to social and medical services, and social/community engagement and belonging. Despite Canada’s long experience in agricultural labour migration, our programs do not measure up. Temporary migrants face significant impediments to labour market and social integration, including work permits that are tied to employers, weak enforcement of contracts, language barriers and social isolation, especially for the large share of these workers who live in employer-provided housing. Hennebry ends with recommendations for improving policy and practice in the management of temporary labour migration in agriculture, including greater autonomy for workers in choosing where they work and live, regulation of the recruitment process, wider use of information sessions on health and safety, and access to certain settlement services such as basic language training. Recognizing the interjurisdictional challenges and transnational nuances of temporary migration, she also calls for more rigorous application of existing laws and regulations.
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Canada should facilitate integration of migrant farm workers Permanently Temporary? Agricultural Migrant Workers and Their Integration in Canada Jenna L. Hennebry February 28, 2012 Research program: Diversity, Immigration and Integration News Release | Summary | Interview | Study
	Summary Every year, 30,000 agricultural migrant workers arrive in Canada as part of the Temporary Foreign Worker Program (TFWP), the Seasonal Agricultural Worker Program and the Low Skill Pilot Project. Although the TFWP is intended to address short-term labour demands, most of these workers return to the same communities year after year, sometimes for more than 25 years. As a result, growing numbers of migrant farm workers are permanently temporary. The increased presence of temporary workers will most certainly have an impact on Canadian communities and workplaces for years to come. Is there a way to conceptualize integration in the context of these migration patterns? How does the TFWP fit into Canada’s multicultural landscape and its goals of integration and social cohesion? In this study, Jenna Hennebry draws on experience with agricultural workers to address some of these questions. The author uses empirical data, interviews and research on the situation in Ontario, the province with the largest number of agricultural migrants, to examine the degree of integration of migrant farm workers. She finds that their inclusion in the communities where they live and work is poor, despite laudable efforts by nongovernmental organizations, community groups and unions — notably the United Food and Commercial Workers Canada union, which has sponsored some unique transnational initiatives. Building on this analysis, Hennebry discusses new ways of conceptualizing and evaluating integration as the concept applies to temporary labour migration. She proposes the Labour Migrant Integration Scale, which she developed for this study, as a tool for evaluating the results of temporary labour migration programs with respect to factors such as human and labour rights, access to social and medical services, and social/community engagement and belonging. Despite Canada’s long experience in agricultural labour migration, our programs do not measure up. Temporary migrants face significant impediments to labour market and social integration, including work permits that are tied to employers, weak enforcement of contracts, language barriers and social isolation, especially for the large share of these workers who live in employer-provided housing. Hennebry ends with recommendations for improving policy and practice in the management of temporary labour migration in agriculture, including greater autonomy for workers in choosing where they work and live, regulation of the recruitment process, wider use of information sessions on health and safety, and access to certain settlement services such as basic language training. Recognizing the interjurisdictional challenges and transnational nuances of temporary migration, she also calls for more rigorous application of existing laws and regulations.
	Previous page

Every year, 30,000 agricultural migrant workers arrive in Canada as part of the Temporary Foreign Worker Program (TFWP), the Seasonal Agricultural Worker Program and the Low Skill Pilot Project. Although the TFWP is intended to address short-term labour demands, most of these workers return to the same communities year after year, sometimes for more than 25 years. As a result, growing numbers of migrant farm workers are permanently temporary.

The increased presence of temporary workers will most certainly have an impact on Canadian communities and workplaces for years to come. Is there a way to conceptualize integration in the context of these migration patterns? How does the TFWP fit into Canada’s multicultural landscape and its goals of integration and social cohesion? In this study, Jenna Hennebry draws on experience with agricultural workers to address some of these questions.

The author uses empirical data, interviews and research on the situation in Ontario, the province with the largest number of agricultural migrants, to examine the degree of integration of migrant farm workers. She finds that their inclusion in the communities where they live and work is poor, despite laudable efforts by nongovernmental organizations, community groups and unions — notably the United Food and Commercial Workers Canada union, which has sponsored some unique transnational initiatives.

Building on this analysis, Hennebry discusses new ways of conceptualizing and evaluating integration as the concept applies to temporary labour migration. She proposes the Labour Migrant Integration Scale, which she developed for this study, as a tool for evaluating the results of temporary labour migration programs with respect to factors such as human and labour rights, access to social and medical services, and social/community engagement and belonging. Despite Canada’s long experience in agricultural labour migration, our programs do not measure up. Temporary migrants face significant impediments to labour market and social integration, including work permits that are tied to employers, weak enforcement of contracts, language barriers and social isolation, especially for the large share of these workers who live in employer-provided housing.

Hennebry ends with recommendations for improving policy and practice in the management of temporary labour migration in agriculture, including greater autonomy for workers in choosing where they work and live, regulation of the recruitment process, wider use of information sessions on health and safety, and access to certain settlement services such as basic language training. Recognizing the interjurisdictional challenges and transnational nuances of temporary migration, she also calls for more rigorous application of existing laws and regulations.