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[…] is estimated that Indigenous groups now own or have rights to around 40 per cent of Australia’s land mass, under various forms of title and legislation: for example, Native Title Determinations and Indigenous Land Use Agreements. Our customers continue to face more adversity than non-Indigenous Australians do on a range of socioeconomic, health and […]

[…] ‡7KHUHLVRQORQHERVV ‡,WLVWKHFKHDSDQGVLPSOHRSWLRQIRUJRLQJLQWREXVLQHVV ‡7KHDVVHWV PRQHLQWKHEDQNSURSHUWFDUVWRROVSODQWFXVWRPHUGDWDEDVHLQWHOOHFWXDOSURSHUWDQGRWKHU  of the business are clearly owned by the sole trader. ‡&RVWVDYLQJV IRUH[DPSOHLIWKHUHDUHQRRWKHUHPSORHHVWKHUHLVQROHJDOUHTXLUHPHQWWRSDVXSHUDQQXDWLRQ  ‡,GHDOVWUXFWXUHIRUDPLFURSDUWWLPHEXVLQHVVZLWKPRGHVWDPELWLRQV Cons : ‡7KHVROHWUDGHUQHHGVVNLOOVLQDOODVSHFWVRIWKHEXVLQHVVRUDZLOOLQJQHVVWREULQJLQVSHFLDOLVHGHPSORHHV or contractors to help (for example; sales, marketing, service, administration, bookkeeping, cleaning and other). ‡,IRXFKRRVHWRH[SDQGWKHEXVLQHVVODWHURQLWZLOOEHFRVWOFXPEHUVRPHDQGWLPHFRQVXPLQJWRFKDQJH over to a partnership or company structure. ‡7KHOLDELOLWLHV LQFOXGLQJJXDUDQWHHVWROHQGHUVDQGFUHGLWRUV VWDUWDQGHQGZLWKWKHDVVHWVRIWKHVROHWUDGHU which means if a sole trader can’t […]

[…] qualitative insights f rom culturally informed ‘listen and yarn’ sessions and quantitative survey data. The segmentation incorporates factors such as: • Personal and financial wellbeing benchmarks (for example, Satisfaction with Life Scale, Personal Wellbeing Index). • Financial motivations and behaviours, including short-term savings, future planning, and barriers like generational and access challenges. • Cultural […]

[…] the RFT process and is not unfair to other Tenderers. 3.2 Incomplete, corrupt or unreadable files Electronically submitted tenders may be made incomplete, corrupt or unreadable, for example by computer viruses. IBA may decline to consider a tender that cannot be effectively evaluated because it is incomplete, corrupt or unreadable, or which in IBA’s […]

[…] ONS Internal Audit Service Provider OVERVIEW This form must be completed and submitted as part of a Tenderer’s submission. Tenderer’s details Name of Tenderer Corporate structure (for example, Pty Ltd, partnership, sole proprietor) ACN ABN Address of registered office Tenderer’s declarations 1. The Tenderer offers to enter into a contract to perform the services […]

[…] should be for the legal entity that would be the seller under a contract. Name and Address Name of Tenderer Trading Name (if different) Corporate structure (for example, Pty Ltd, partnership, sole proprietor) ACN ABN Address of Registered Office Website Address Postal Address (Head Office) 3 OFFICIAL Contact Details Name Position Address Phone Mobile […]

[…] psychological distress and other health and wellbeing issues. 2 For people who experience social and economic marginalisation, the indicators of their overall wellbeing are clearer. Safety, for example, is a major indicator. The lack of suitable housing and opportunity to take part in the economy increases their exposure and risk. This includes instability and […]

[…] will n ot be possible for us to process your application. You have the option of remaining anonymous or adopting a pseudonym when dealing with us; for example, if you wish to make a complaint about our products or services. However, this may limit our ability to respond to your complai nt or assist […]

[…] a signature. By ticking ‘I agree’ the customer agrees to be bound by the terms of this Direct Debit Service Agreement. Second account signatory (If required. For example, two to sign on account) Day Month Year / / Full name and capacity Address I agree The customer agrees that completing the Direct Debit Request […]

[…] or to purchase business assets. Flexible repayments: initial interest only period to assist the business, structured to suit the purpose and cash flow of the business. For example, seasonal repayments are available for agricultural or seasonal weather affected businesses to meet cash flow fluctuations. BENEFITS Commercially viable business model. Other standard IBA Policy and […]