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Funding for Disability Services: Motion (Resumed) [Private Members] (5 Dec 2012)

Áine Collins: We all know people who have disabilities and their families have many challenges. We must ensure that the best services, in the most cost-effective manner, are available to meet their needs. Many communities through local fund-raising and Government help have built facilities within their communities ensuring that people with disabilities can, where possible, work and live among their own...

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Forthcoming Competitiveness Council: Discussion with Minister for Jobs, Enterprise and Innovation (4 Dec 2012)

Áine Collins: There is a competitive fund for women entrepreneurs which is closing tomorrow.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Forthcoming Competitiveness Council: Discussion with Minister for Jobs, Enterprise and Innovation (4 Dec 2012)

Áine Collins: I welcome the Minister and his officials. I would like to comment briefly on procurement, an issue which I know has been discussed. There is room for improvement in opening it up. There is a great deal of opportunities for innovation with regard to the bundling of businesses to make it easier for people to come together. If quality trained mentors were travelling around the country to...

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Forthcoming Competitiveness Council: Discussion with Minister for Jobs, Enterprise and Innovation (4 Dec 2012)

Áine Collins: How are we placed in that regard?

Residential Tenancies (Amendment) (No. 2) Bill: Second Stage (Resumed) (22 Nov 2012)

Áine Collins: This Bill is an addition to the regulations provided for in the Private Residential Tenancies Act 2004. That Act and the Private Residential Tenancies Board have achieved considerable success since 2004 and this Bill adds to that. The whole housing market has changed dramatically since 2004, we have gone through the worst boom and bust in any housing market in the world. Irish people,...

Written Answers — Department of Agriculture, Food and the Marine: Special Protection Areas (21 Nov 2012)

Áine Collins: To ask the Minister for Agriculture, Food and the Marine the position regarding an application in respect of a person (details supplied) in County Cork. [51706/12]

Health Insurance (Amendment) Bill 2012: Second Stage (Resumed) (15 Nov 2012)

Áine Collins: I too welcome the opportunity to speak on this Bill. Risk equalisation has been a central plank of private health insurance from the outset. It is designed to take account of the differences in costs that arise due to the age or well-being of customers. That was relatively simple when the VHI was the only health insurance provider in the State, but with the introduction of other players...

Credit Union Bill 2012: Second Stage (Resumed) (13 Nov 2012)

Áine Collins: Recently available statistics show clearly that citizens and communities trust their credit union. They appreciate that credit unions are non-profit making, community-based organisations run by community volunteers. People who borrowed from their local credit union are making Trojan efforts to repay their loans. This demonstrates how people do not regard credit unions in the same way as...

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Job Creation and Sustainability: Discussion with Chambers Ireland (13 Nov 2012)

Áine Collins: Some businesses can qualify if they want to set up a new company or get into a new area. That more people do not use this process is baffling. Access to the business incentive scheme has been made easier. Accountants are setting up funds and using clients' money to invest in three or four of them, which was not the case previously. Rather, an accountant would raise money for a client....

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Job Creation and Sustainability: Discussion with Chambers Ireland (13 Nov 2012)

Áine Collins: Yes.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Job Creation and Sustainability: Discussion with Chambers Ireland (13 Nov 2012)

Áine Collins: It is a shame that our Sinn Féin colleagues are not present.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Job Creation and Sustainability: Discussion with Chambers Ireland (13 Nov 2012)

Áine Collins: The Department of Jobs, Enterprise and Innovation has a brochure.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Job Creation and Sustainability: Discussion with Chambers Ireland (13 Nov 2012)

Áine Collins: I thank Mr. Talbot for sharing his thoughts with us. We all agree with most of them. Will he expand on how Chambers Ireland wants the seed capital scheme simplified? I thought it had been simplified where only a company could apply under it as opposed to a sole trader. The Taoiseach has guaranteed that the corporation tax rate will stay and, therefore, that is one issue the organisation...

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Job Creation and Sustainability: Discussion with Chambers Ireland (13 Nov 2012)

Áine Collins: Much of that was done last year. It has been opened to most sectors.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Job Creation and Sustainability: Discussion with Chambers Ireland (13 Nov 2012)

Áine Collins: I agree with Mr. Murphy.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Job Creation and Sustainability: Discussion with Chambers Ireland (13 Nov 2012)

Áine Collins: To be fair, the seed capital relief is around for the past 15 years and no one knows about it. We all have a duty to advertise that.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Lending to Small Business: Discussion (13 Nov 2012)

Áine Collins: I have one question on the credit rating.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Lending to Small Business: Discussion (13 Nov 2012)

Áine Collins: I did not get an answer as to whether credit ratings are affecting decisions.

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Lending to Small Business: Discussion (13 Nov 2012)

Áine Collins: How seriously are credit ratings affecting individuals who have not made payments in terms of accessing funds?

Joint Oireachtas Committee on Jobs, Enterprise and Innovation: Lending to Small Business: Discussion (13 Nov 2012)

Áine Collins: I welcome the witnesses. As I have approximately eight questions, I will go through them as quickly as possible. First, I wish to make a suggestion in respect of the report from the Irish Banking Federation. On page 4, in respect of the percentage of small and medium enterprises, SMEs, using banking credit, it might be a good idea to consider debtor days when considering bank overdraft...

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