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No Interest Loans Schemes (NILS)
30 June 1999
No Interest Loans Schemes (NILS) provide small loans, generally of less than $1000, without interest or charges to low income earners. The loans are used to purchase basic necessities, such as refrigerators, washing machines, hot water services and household repairs. NILS are seen as an important and cost effective way of offering support to low income consumers. As such they are one practical mechanism for alleviating poverty.

This one day conference provided an excellent opportunity to hear about NILS from experiences across Australia, and to assess the benefits, the costs, the opportunities and the way forward.

NCOSS greatly appreciates the assistance provided by the NSW Department of Fair Trading in holding this conference and the participation of expert speakers from many organisations in the conference program.

Conference Papers
The NILS conference papers are all available for download as Word 6 documents. Click on the name of the paper/speaker and it will open in your Microsoft Word application and/or save to your disk.

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Council of Social Service of New South Wales
66 Albion St, Surry Hills NSW 2010, Australia
tel (02) 9211 2599, fax (02) 9281 1968, email

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