Gambling and Saving

We humbly suggest:

  • Habits of thrift and savings contribute to household financial security, individual well-being, and the health of the economy as a whole.
  • Government policy should encourage these patterns of financial behaviour.

Supporting Research

Pressing Its Luck
Brian Dijkema, Johanna Lewis
June 9, 2020
How Ontario lottery and gaming can work for, not against, low income households
Banking on the Margins
Brian Dijkema, Rhys McKendry
February 22, 2016
Our current payday loan market is failing consumers and society and government regulations alone cannot solve the current situation. Our new report, Banking on the Margins, aims at reforming Canada's payday loan market. In this report, we call for joint efforts between government, banks, credit unions and charities to provide customers with lower rate loans as an alternative to payday loans.
Memo: Strathcona County Casino Bylaw Submission
Andreae Sennyah
November 30, 2021

Explorations

Predatory Lending is Theft
Comment
Stephanie Summers
June 1, 2015
Why it's time for Christians to call for an end to payday loans.
Springing the Debt Trap
Convivium
Peter Stockland, Brian Dijkema
April 11, 2018
This week, Cardus Work and Economics gave municipalities in Ontario data-driven advice about handling new powers over the debt trap that is the payday loan industry. Convivium’s Peter Stockland spoke with program director Brian Dijkema about helping cities help the working poor.
Lending For The Long Term
Convivium
Peter Stockland
February 28, 2017
Publisher Peter Stockland sits down with Work and Economics Program Director Brian Dijkema to talk about Pay Day Loans. Hear what Dijkema told Convivium before his testimony to the Queen’s Park Standing Committee on Social Policy.

Media Coverage

How Ontario can change its gambling policies to help, not hurt, low-income families
First Policy Response
June 17, 2021
Ontario’s gambling scheme is one thing that shouldn’t get back to normal as the province reopens,” write Johanna Lewis and Brian Dijkema from Cardus in Ryerson University’s First Policy Response journal. “Far from helping the province get back on its feet, the return of gambling money to public coffers would be a burden shouldered by the Ontarians who are least able to bear it.” Read on to learn see how gambling could be reformed for the common good.
Explainer: How do payday loans work?
MoneySense
March 5, 2021
Payday loans are short-term, high-interest-rate loans that you generally need to pay back within the typical two-week payday cycle. Are these lenders filling a need, or are they preying on Canadians who aren't able to borrow money from conventional sources? In a conversation with Alexandra Macqueen, Cardus Vice President External Affairs, Brian Dijkema notes, "There’s a certain inequality to affordable credit in Canada.” He adds, “One way to ensure that people on the economic margins have access to reasonably-costed credit is to be open to the development of unique solutions—through technology or social networks, for example—that can provide positive examples of low-dollar lending.” 
Single game betting rewards regressive gambling monopolies
AM770 CHQR Calgary
November 30, 2020
Cardus Vice President of External Affairs Brian Dijkema joins the Danielle Smith Show to talk about proposed changes to single-game betting in Canada's Criminal Code.

What else are we working toward?

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Strong Family Projects Human Dignity Projects Religious Freedom Projects Healthy Community Projects Formative Education Projects Recent Projects
Strong Family Projects Human Dignity Projects Religious Freedom Projects Healthy Community Projects Formative Education Projects Recent Projects
Strong Family Projects Human Dignity Projects Religious Freedom Projects Healthy Community Projects Formative Education Projects Recent Projects
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