Girls speak out: report reveals dreams and dangers facing girls globally – World Vision

Source: World Vision

  • 84% of girls are hopeful for the future, but violence, poverty and inequality threaten their dreams
  • Conflict, insecurity, and violence are a part of daily life for one in five girls
  • A third of girls are worried about losing their education
On the eve of the International Day of the Girl (11 October), a new World Vision report highlights the hopes, fears, and daily realities of hundreds of girls in more than 50 countries.
The Dreaming Out Loud report reveals that one in five girls (21%) live under constant threat of general insecurity or war. From the classroom to conflict zones, girls described physical, emotional, and sexual violence that strips away their dignity and safety.
Girls in countries like Eswatini, Peru, Ecuador and Ethiopia reported high levels of gender-based violence. For many, simply walking to school can be dangerous. Each year, 60 million girls are sexually assaulted at or on their way to school – meaning that for millions, the simple act of trying to get an education carries the threat of rape or abuse. In some countries embroiled in conflict or with high crime rates, girls can face the constant fear of abduction or assault.
World Vision New Zealand Acting National Director, TJ Grant, says despite these challenging circumstances, 84% of girls feel hopeful about the future but this hope remains fragile.
“These girls dream of becoming doctors, engineers, leaders and changemakers, but their futures are still too easily derailed by poverty, violence, or discrimination.”
Grant says education remains a cornerstone of girls' aspirations, with nearly three-quarters referencing about the value of school. However, one in three girls (33%) worry their education will be cut short due to early marriage, economic pressure, or cultural norms.
In West and Central Africa – the regions with the highest child marriage rates – one in three girls marries before age 18.i Today, an estimated 640 million women were married as children.ii
Hassana, 16, from Niger says: “I’m taking an exam this year, and what scares me is the fear that my parents will decide to marry me off if I fail.”
Viola, 16, from South Sudan, adds: “If you are a girl and they have not taken you to school, your father can force you to marry someone who has more cows.”
Grant says interrupted education is not just a personal tragedy for each girl; it’s a societal loss. The global cost of not educating girls is staggering – between $15 and $30 trillion in lost productivity and earnings, according to the World Bank.
Violence is also putting girls in peril. One in five girls reported that violence, conflict or insecurity was part of their daily reality. Many girls described sexual harassment, assault, and abuse as the worst parts of being female.
“The hardest thing about being a girl is being exposed to bad behaviour, including harassment and rape,” said Zaynab, 14, from Lebanon.
Grant says economic pressures often compound these risks. Girls are pulled out of school to help at home, forced into early marriage, or exposed to exploitation as families struggle to survive.
He says what’s most striking from the report is not only the hardship girls endure – but the resilience they show. More than 40% of respondents dream of becoming doctors, teachers, engineers or leaders, and 71% believe in the power of female leadership.
“A girl can be an amazing president or leader. Not just because she’s strong, but because she leads with heart, empathy, courage and vision,” said Alesia, 14, from Albania.
“Even when we’re underestimated, we rise,” added Anika, 16. “There’s something powerful about being soft and strong at the same time.”
Grant says World Vision is striving to improve future opportunities for all girls and is calling on governments, donors, and communities to:
  • Guarantee 12 years of quality education for every girl
  • Strengthen child protection systems to prevent and respond to violence
  • Engage men, boys and faith leaders to shift harmful gender norms
  • Address economic barriers through livelihoods and social protection
  • Expand access to sexual and reproductive health education
“Girls are already dreaming of a better world. It’s time we listen and act,” he says.
World Vision’s child sponsorship programme helps to give girls living in some of the world’s toughest places support, education and opportunities. To sponsor a girl visit:
Notes
This report provides a “state of the world's girls” in 2025. World Vision surveyed 432 adolescent girls across 51 countries spanning Africa, Asia, Latin America and beyond between March and August 2025. We asked girls about their hopes, fears, dreams, and what being a girl means in their communities today.  Through interviews, video diaries and surveys, the study explored girls’ hopes, fears, and lived realities, supported by UN and World Bank data. While not nationally representative, the report offers a unique snapshot into the experiences and aspirations of girls living in diverse contexts – from conflict zones to high-income countries.
Report available to download here:

Legal Issues – ASB and plaintiffs to settle CCCFA class action

Source: ASB

ASB has agreed to pay $135,625,000 to settle a class action against the bank for alleged breaches of the Credit Contracts and Consumer Finance Act (CCCFA).

The class action relates to disclosure documents that ASB was required to provide to customers who had requested changes to their lending arrangements between 2015 and 2019 and whether one potential interpretation of the CCCFA legislation was the correct one.

CEO Vittoria Shortt says, “The settlement brings to an end four years of legal proceedings and provides certainty for us and for our customers. The agreement we’ve come to is a pragmatic way to settle this matter.”

“We continue to strongly support the CCCFA Amendment Bill currently before Parliament’s Finance and Expenditure Select Committee, which will bring clarity to this confusing piece of legislation.”

As part of the settlement, ASB makes no admission of liability or wrongdoing.

The settlement is subject to approval by the High Court.  The Court process may take several months. ASB and the plaintiffs will seek directions from the Court on the process for communicating with class members about the settlement. At this stage class members don’t need to do anything and will receive further information in due course.

Dwelling and household estimates: September 2025 quarter – Stats NZ information release

Dwelling and household estimates: September 2025 quarter – information release

7 October 2025

National dwelling and household estimates are used for many purposes including planning, policy formation, business decisions, and as ‘bottom lines’ in the calculation of market coverage rates.

Key facts

At 30 September 2025, the estimated number of:

  • private dwellings is 2,133,400
  • households is 2,050,000.

Visit our website to read this information release:

Business and Tech – Fortinet invests in New Zealand with new SASE Point of Presence to meet growing demand

Source: Acumen

 

AUCKLAND, New Zealand, October 7 – Fortinet, the global cybersecurity leader driving the convergence of networking and security, has launched its first local Secure Access Service Edge (SASE) point of presence (PoP) in Auckland – in response to growing demand from across its New Zealand customer base. 
This investment extends Fortinet’s global SASE infrastructure footprint and highlights its commitment to investing in New Zealand’s digital resilience. 
The new FortiSASE Auckland PoP will enable local organisations to securely connect to the internet, access software-as-a-service (SaaS) applications, and establish private access to business-critical applications hosted on-premises or in the cloud – all while keeping traffic within New Zealand’s borders. 
This investment provides customers with low-latency connectivity, faster performance and enhanced user experience, improved resilience, and a pathway to meet increasingly stringent regulatory and governance requirements. It also makes enterprise-grade protection accessible to a much wider range of organisations, including small and medium-sized businesses.
Fortinet’s decision to establish local SASE infrastructure follows demand from New Zealand customers across both enterprise and SMB sectors. 
“Cybersecurity remains a top concern for New Zealand businesses, yet many organisations – from hospitals and schools through to financial institutions and exporters – are held back by complexity, cost, and limited local options,” said Matt Harrison, Sales Manager at Fortinet. 
“The Auckland PoP changes that. It gives customers enterprise-grade protection within New Zealand’s borders, meaning a healthcare provider can more confidently safeguard patient records, and an SME can innovate and grow without the added risks of data leaving New Zealand. For boards and business leaders, it’s about having the freedom to innovate knowing security is built in.” 
The Auckland PoP is part of Fortinet’s global SASE platform and designed to meet New Zealand’s specific requirements. The first site is hosted in the AWS Auckland region and provides customers greater confidence in continuous service availability by reducing reliance on offshore sites. 
“For many New Zealand organisations, governance and regulatory compliance are as important as performance,” said Jonathan Woolley, Systems Engineering Manager at Fortinet. “Boards need to know where data is processed and that credible safeguards are in place to protect their data. By keeping traffic within New Zealand, our SASE PoP delivers that assurance. 
“Whether it’s a government department, a bank, or a fast-moving start-up, customers can address sovereignty and compliance obligations while also building greater confidence in their cyber defences.” 
This new site also provides benefits for neighbouring markets. In the event of a wider regional outage, the Auckland PoP will serve as an alternative for Pacific Islands and some Australian customers, further strengthening resilience across the Tasman. Alongside its technology investment, Fortinet has grown its New Zealand team by more than 30% in the past two years.
This expansion provides stronger on-the-ground support for customers and partners, while also addressing the country’s cyber skills gap through enablement and training initiatives.
“Technology is only one part of the solution. Having skilled people locally who can support, advise and enable customers is just as important,” added Harrison. 
“Our growth in New Zealand means we can not only deliver enterprise-grade solutions but also contribute to developing the next generation of cybersecurity professionals.” 
The Auckland PoP forms part of a global network of more than 160 worldwide. About Fortinet 
Fortinet (Nasdaq: FTNT) is a driving force in the evolution of cybersecurity and the convergence of networking and security. Our mission is to secure people, devices, and data everywhere, and today we deliver cybersecurity everywhere our customers need it with the largest integrated portfolio of over 50 enterprise-grade products. Well over half a million customers trust Fortinet's solutions, which are among the most deployed, most patented, and most validated in the industry. 
The Fortinet Training Institute, one of the largest and broadest training programs in the industry, is dedicated to making cybersecurity training and new career opportunities available to everyone. Collaboration with esteemed organizations from both the public and private sectors, including Computer Emergency Response Teams (“CERTS”), government entities, and academia, is a fundamental aspect of Fortinet’s commitment to enhance cyber resilience globally. 
FortiGuard Labs, Fortinet’s elite threat intelligence and research organization, develops and utilizes leading-edge machine learning and AI technologies to provide customers with timely and consistently top-rated protection and actionable threat intelligence. Learn more at https://www.fortinet.com.

Reserve Bank establishes new Financial Policy Committee

Source: Reserve Bank of New Zealand

7 October 2025 – The Board of the RBNZ will form a new committee of the Board called the Financial Policy Committee (FPC). The FPC will be given authority to make key policy decisions relating to financial stability, including setting the prudential requirements for financial institutions regulated by the RBNZ, and making macro-prudential policy decisions such as Debt-to-Income and Loan-to-Value ratios for lending.  

The FPC will consist of the RBNZ Board Chair, the Governor, three other RBNZ Board members, and up to two members who are not RBNZ Board members or employees of the RBNZ. The external members will be recognised experts in fields relevant to the FPC's work.

The RBNZ Board Deputy Chair, Rodger Finlay, said: “The creation of the FPC will strengthen financial policy making at the RBNZ, with greater focus and expertise brought to bear to make sure that the New Zealand financial system remains strong and stable.”

“The decision to create the FPC followed engagement with the Treasury and Minister of Finance on ways to apply greater expertise and experience to financial policy decisions. A committee with formal policy decision-making authority from the RBNZ Board and credible external experts was seen to achieve this outcome.”

“Service on the FPC is a great opportunity to be at the heart of financial policy making. We look forward to receiving applications from experts who can give us independent perspectives and constructively challenge policy proposals,” Mr Finlay said.

The move to create the FPC is in line with recommendations from the Finance and Expenditure Committee's recent Inquiry into Banking Competition to enhance the RBNZ's financial policy making.

The RBNZ will soon put out a call for suitably qualified candidates to apply for the two available positions as external FPC members.

The FPC's decisions will be subject to oversight by the full RBNZ Board and is planned to be operational from early 2026.

The New Zealand Housing Survey Finds Kiwis Want More Housing Options and Housing Mobility Affordability pressures eroding the Kiwi dream

Source: Botica Butler Raudon Partners for TUA

AUCKLAND – 7 October 2025 – Nearly 75% of Kiwis who rent are dissatisfied with the housing choices available to them. That's a key finding of the New Zealand Housing Survey, a study released today by The Urban Advisory, a leader in urban strategy and planning. The study finds that Kiwis are demanding more housing choices, including options such as co-housing, rent-to-buy, residential co-operatives, community land trusts and shared ownership models, as poor housing mobility and unaffordability bite.

A diverse housing future is needed to serve the diverse needs of New Zealanders

Key findings include:

  • There is a strong appetite for alternative housing models, with co-housing the top option with 59% support
  • Most renters expect their next move will be by choice, but nearly 20% anticipate being forced to move
  • Nearly 75% of renters expressed dissatisfaction with the housing options available to them
  • 53% of non-homeowners said they didn't own a home because they 'can't afford to buy anywhere'.

Wrong house, wrong place

The report shows there is broad support for diversified housing products, suggesting that, by sticking to a limited number of traditional housing models, developers may be missing opportunities to create the housing and spaces Kiwis desire.

New Zealanders are increasingly prioritising choice in housing type and tenure. This flexibility across life stages is seen as equally important as overall supply. Older adults seeking to downsize, financially stretched households, and those seeking culturally grounded housing have few options.

The following types of structure were supported by respondents:

  • Co-housing (59%)
  • Community land trusts (29%)
  • Residential co-operatives (32%)
  • Shared Ownership (23%)
  • Rent to buy (34%)
  • Built to rent (19%).

While New Zealand's housing continuum encompasses public housing to market ownership, the reality is that there is significant under supply of housing options in the middle of the continuum. New Zealand has few assisted housing programmes or community living tenures available and it is impacting housing supply, the rental market, and the ability for many of eventually attaining home ownership. It also means that if people aren't able to afford market rental and ownership products, they are forced on to the social housing register rather than having options before reaching the level of need.

“This limited housing diversity means that many New Zealanders are underserved, particularly in the assisted sector of the housing continuum,” says Dr Natalie Allen, Managing Director at The Urban Advisory.  “This gap is a critical issue because secure tenure is foundational to positive social and economic outcomes for people. The lack of options poorly serves this 'missing middle' and they are key segments of the population that include our rapidly aging population, Māori and Pacific Island peoples and the key workers that keep our towns and cities going”.

Options that could be on the housing continuum in New Zealand

Sacrifices made

Nearly 60% of all respondents said they had to make at least one compromise or sacrifice to meet the rising cost of living.

  • Delaying access to medical services (24%)
  • Sacrificing family gatherings or holidays (24%)
  • Not heating or cooling the home as much as needed (23%)
  • Sacrificing recreational activities (22%)
  • Economising on food, e.g. skipping a meal (21%).

Nearly a third of respondents reported that meeting their cost of living required them to make more than three sacrifices or compromises.

The primary financial reasons renters gave for not planning to own their next home were:

  • 53% said they can't afford to buy anywhere
  • 41% said they can't afford to buy where they want to live
  • 39% said houses are not worth the prices
  • 30% said they were saving for a deposit, but that it is hard when living costs are so high.

The situation is worse for renters; nearly 75% express dissatisfaction with the housing options available to them. And while 75% of homeowners “strongly agree” that their home is stable and secure, only 30% of renters feel the same. Most renters expect their next move will be by choice and 47% plan to move in the next year. However, nearly 20% anticipate being forced to move.

“These statistics highlight the stark disparities in housing experiences across Aotearoa. For some, a lack of housing mobility means they're stuck in place, even when they want or need to move. For many others, constant relocation is the norm, driven by the absence of affordable, suitable options. This instability has far-reaching consequences, directly affecting educational attendance, academic outcomes, and economic productivity.” says Allen.

With aging come challenges

For those aged 65+, satisfaction with their current living situation leads to a strong desire to 'age in place'. Among those aged 75 and over, 91% say their housing feels “stable and secure”, and 64% say they “don't intend to ever move.” Even among those aged 65–74, 37% share that view. While this stability is positive for individuals, it means fewer homes are freed up for younger families –especially as many older homeowners choose to stay in larger homes rather than downsize.

“The early data is telling us that when older New Zealanders say they want to age in place, many actually mean age in their community amongst their support networks, friends, and family. It does not necessarily mean age in their current dwelling. Many want to downsize and stay in the area, but finding suitable housing options is hard. We can see that even those with means will only downsize given the right circumstances,” says Allen.

Those over 65 years of age want the right services and facilities nearby, and the data show the most important are:

  • Medical care 94%
  • Local food providers and supermarkets, both at 93%
  • Community facilities, and parks and nature, both at 90%
  • Public transport at 83%.

Additional insights from the survey

  • Homeowners, more than renters, strongly agreed that their home or housing situation is safe and secure (75% vs. 30% respectively)
  • The supply of quality townhouses close to amenities has not kept pace with the rapid increase in their popularity: 59% of respondents would consider living in a townhouse but only 36% do. Planners and developers should note that this unmet demand for townhouse supply
  • Neighborhood features are a key consideration for over 40% of Kiwis when choosing a place to live, with the highest priorities being safety from crime and proximity to services and amenities such as schools and public transport.
The three most important features people look for in a property were:

  • Safety from natural hazards: Rated as “Important” by 84% of respondents
  • Energy efficiency: Rated as “Important” by 68% of respondents
  • Garden or outdoor space: Rated as “Important” by 58% of respondents.

“There's a big gap between what people want and what sort of housing is being delivered. The gap is between the public housing sector and the private market, and to bridge it will require flexible support and more housing options. Until the gap is understood, which is the purpose of this ongoing research, and addressed, New Zealanders won't have the range of housing options they need to thrive” says Allen.

About The New Zealand Housing Survey and Methodology

The New Zealand Housing Survey is a nationwide, longitudinal study designed by The Urban Advisory and analysed by the University of Auckland, to provide a consistent and robust dataset on housing. The data for this report was collected from 2,587 adults aged 16 and over between August 2024 and February 2025. The survey's methodology was rigorously tested and underwent extensive peer review by academics, Te Ao Māori experts for cultural responsiveness, and industry stakeholders. It captures comprehensive data across demographics, current living situations, and future housing aspirations, with all data being fully anonymised to protect participant privacy.

About The Urban Advisory

The Urban Advisory specialises in providing comprehensive, actionable advice to deliver better housing and urban development outcomes. Established in 2016, TUA has become a sought-after advisory of trusted experts in all things urban in Aotearoa New Zealand. Working to deliver better homes, neighbourhoods, towns and cities, TUA uses evidence-based thinking, cutting edge technologies and access to our dynamic network to turn visions into reality.

For more information or to speak with a TUA expert, please contact:

Economy – RBNZ releases Annual Report 2025

Source: Reserve Bank of New Zealand (RBNZ)

06 October 2025 – The Reserve Bank of New Zealand – Te Pūtea Matua has today published its Annual Report covering the year from 1 July 2024 to 30 June 2025.

Our Annual Report shows our capability-building and has been designed to report against the Statement of Intent for 2024-28.

Deputy Board Chair Rodger Finlay says that a great deal has been achieved by the Reserve Bank of New Zealand over the past year towards the delivery of its mandated functions.

“The Reserve Bank continued to support the New Zealand economy in navigating challenging economic conditions in the external environment both domestically and internationally. This included consumer price inflation falling back to within the Monetary Policy Committee's target band of 1 to 3 percent during the financial year.”

Highlights this year also include the ongoing implementation of the Deposit Takers Act 2023 (DTA), the launch of the Depositor Compensation Scheme (DCS), revised access criteria for the Exchange Settlement Account System (ESAS), our submission to Parliament's FEC Inquiry into Banking Competition, and the current review of key regulatory capital settings for deposit takers.

“A long-term strategic focus for the Reserve Bank is strengthening efficiency and competition, enabling a financial system where competition drives innovation and inclusion,” Mr Finlay says.  

The past year has also seen wide ranging changes for the Reserve Bank. In particular, the departure of Adrian Orr as the Governor of the Reserve Bank in March 2025, and the resignation of Neil Quigley as Board Chair in August 2025.

The Board also agreed to a new Five-Year Funding Agreement with the Minister of Finance. Since then, the Board has worked with the Reserve Bank's leadership team to redesign our ways of working and optimise our resources while continuing to deliver on our mandates.

Governor Christian Hawkesby says that significant organisational changes have taken place in the Reserve Bank's structure, operating model, ways of working, and prioritisation.

“We are in the process of implementing a new organisational structure, making us fit for purpose and able to sustainably deliver on our mandates within our new operating environment,” Mr Hawkesby says.

The year ahead provides an opportunity to shape the Reserve Bank's future with a renewed focus on effectively and efficiently delivering the Reserve Bank's economic, financial stability and central banking objectives.    
 
More information:

Annual Report 2025 – Reserve Bank of New Zealand – Te Pūtea Matua: https://govt.us20.list-manage.com/track/click?u=bd316aa7ee4f5679c56377819&id=5b3a9ca73b&e=f3c68946f8
Statement of Intent 2024 – 2028 – Reserve Bank of New Zealand – Te Pūtea Matua: https://govt.us20.list-manage.com/track/click?u=bd316aa7ee4f5679c56377819&id=2e7a575d2d&e=f3c68946f8
Statement of Performance Expectations (SPE) 2025/26 – Reserve Bank of New Zealand – Te Pūtea Matua: https://govt.us20.list-manage.com/track/click?u=bd316aa7ee4f5679c56377819&id=b1c62a1383&e=f3c68946f8

Soil & Health welcomes end to GE animal trials after 25 years of suffering

Source: Soil & Health Association of New Zealand
 
Aotearoa New Zealand – The Soil & Health Association of New Zealand welcomes the end of animal genetic engineering trials that have taken place at AgResearch's Ruakura facility for more than two decades.
 
“These experiments caused immense animal suffering and should never have been allowed to happen,” said Charles Hyland, chair of Soil & Health.

The Association applauds GE Free NZ for exposing the scale of the harm. Their report, based on AgResearch's own annual statements, documents spontaneous abortions, cancers, deformities and other adverse effects on cattle, sheep and goats.

“After 25 years and tens of thousands of dollars of public money, these experiments have delivered no benefits,” Hyland said. “We are deeply concerned they could resume if the proposed Gene Technology Bill is passed. Animals must not be subjected to such cruelty again.”

“New Zealanders – and our overseas markets – expect high animal welfare standards and food that is healthy, ethical and safe. The future lies in organic and sustainable food and farming.”

 
FURTHER INFORMATION: Genetically Engineered Animals in New Zealand 2010 – 2025: Part 2 – The second fifteen years (GE Free NZ): https://soilandhealth.org.nz/civicrm/mailing/url/?u=1199&qid=76672

Northland News – Don’t forget to Vote

Source: Northland Regional Council

DON’T FORGET TO VOTE
Time is running out to have your say at the council elections.
If you haven’t received your voting papers by now, it’s not too late…contact the Northland Regional Council electoral office by phoning (0800) 922 822 or emailing specialvotes@electionservices.org.nz and requesting a Special Vote.
And a reminder that your completed voting papers must be put in the mail no later than Tuesday 07 October to ensure they arrive in time to be counted.
After 07 October, you can still hand deliver your voting paper to a ballot box up until midday on Election Day, Saturday 11 October. (A list of ballot box locations can be found via your local district council website.)
A list of Northland Regional Council candidates, their profiles and a brief video statement from the candidates is on council’s website at: www.nrc.govt.nz/elections2025 

Employment and Health – Prison nurses and health care assistants to strike on 23 October – NZNO

Source: New Zealand Nurses Organisation

Frustration over the Department of Corrections’ refusal to address safety issues and other concerns raised in bargaining has led to prison nurses and health care assistants voting to take strike action, Tōpūtanga Tapuhi Kaitiaki o Aotearoa NZNO says.
About 400 NZNO nurses and health care assistants working for Corrections will strike for 16 hours from 6am to 10pm on Thursday 23 October.
NZNO Corrections spokesperson Michael Pye says the two parties have been in bargaining for several months.
“Nurses and health care assistants are frustrated Corrections have refused to address their safety concerns about the the overly arduous on-call system.
“Corrections need to ensure the prison health workers are safe when they come to work by ensuring enough staff are rostered on shift as there is an increased prison population and an increasingly difficult working environment for prison health workers.
“These essential workers also need an improved pay offer that is not a pay cut and reflects the cost-of-living crisis.
“Members have voted to strike to send the message to Corrections they need to show they value the work undertaken by these critical health workers,” Michael Pye says.
“Corrections’ NZNO nurses and health care assistants will stand proudly alongside other workers including Te Whatu Ora nurses, primary school teachers, allied health and mental health workers on 23 October to tell the Government they must properly fund our most essential public services,” he says.
Notes:
  • NZNO members will strike from 6am to 10pm on Thursday 23 October 2025.
  • The strike will occur at every place where the Department of Corrections provides health services.
  • NZNO members will provide Life Preserving Services.