Even as the capacity of CDFIs has become more constrained, economic conditions and pullbacks by mainstream lenders have increased the demands being placed on these organizations to provide credit and services. 9 Traditionally, CDFIs have been able to fund a majority of their operating activities through earnings.
Sources: ABS; APRA; RBA  This large stock of mortgage prepayments is relevant to our assessment of household indebtedness and the risks it presents. Large buffers allow households to smooth their spending and maintain required debt payments when faced with lower income or cash flows or higher expenses.