A case study of the financial benefits of a credit union’s homeless prevention scheme

References

• Best, R. (1988). Rental housing: A time of change. Public Money & Management, 8(3), 45–47. doi: 10.1080/09540968809387489
   Google Scholar
• Bounds, A. (2017). Local councils to see central funding fall 77% by 2020. Financial Times. Retrieved from www.ft.com.
   Google Scholar
• Brierley, J. A., & Lee, B. (2018). Examining the disclosures on the websites of English credit unions. Public Money & Management, 38(3), 185–192. doi: 10.1080/09540962.2018.1434336
   Web of Science ®Google Scholar
• Byrne, N., McCarthy, O., & Ward, M. (2007). Money-Lending and financial exclusion. Public Money & Management, 27(1), 45–52. doi: 10.1111/j.1467-9302.2007.00554.x
   Web of Science ®Google Scholar
• Carbo, S., Gardener, E. P. M., & Molyneux, P. (2007). Financial exclusion in europe. Public Money & Management, 27(1), 21–27. doi: 10.1111/j.1467-9302.2007.00551.x
   Web of Science ®Google Scholar
• Charity Commission. (2001). The promotion of social inclusion. Crown Copyright.
   Google Scholar
• Coelho, M., Dellepiane-Avellandea, S., & Ratnoo, V. (2017). The political economy of housing in England. New Political Economy, 22(1), 31–60. doi: 10.1080/13563467.2016.1195346
   Web of Science ®Google Scholar
• Collard, S. (2007). Toward financial inclusion in the UK: Progress and challenges. Public Money & Management, 27(1), 13–20. doi: 10.1111/j.1467-9302.2007.00550.x
   Web of Science ®Google Scholar
• Collard, S., Coppack, N., Lowe, J., & Sarker, S. (2016). Access to financial services in the UK, occasional paper 17. Financial Conduct Authority.
   Google Scholar
• Duckworth, S. (1996). Social housing—Charitable or not? Public Money & Management, 16(4), 3–4. doi: 10.1080/09540969609387938
   Web of Science ®Google Scholar
• Edmonds, D. (1992). Local authorities and the provision of social housing. Public Money & Management, 12(3), 7–8. doi: 10.1080/09540969209387716
   Google Scholar
• Elliot, A. (2017). Save as you borrow—credit unions creating good habits. Fairbanking Foundation.
   Google Scholar
• Evans, G., & McAteer, M. (2013). Can payday loan alternatives be affordable and viable? An evaluation of London Mutual Credit Union’s pilot scheme. London: The Financial Inclusion Centre.
   Google Scholar
• Gillett, A., Loader, K., Doherty, B., & Scott, J. M. (2016). A multi-organizational cross-sectoral collaboration: Empirical evidence from an ‘Empty Homes’ project. Public Money & Management, 36(1), 15–22. doi: 10.1080/09540962.2016.1103413
   Web of Science ®Google Scholar
• Ministry of Housing, Communities & Local Government. (2015). 2010 to 2015 government policy: Local government spending. Retrieved from https://www.gov.uk/government/organisations/ministry-of-housing-communities-and-local-government.
   Google Scholar
• Hadjimichael, T., & McLean, J. (2017). Tackling financial exclusion through local finance partnerships. Responsible Finance.
   Google Scholar
• Hartfree, Y., Friedman, D., Ronicle, J., Collard, S., & Smith, K. (2016). Housing association innovation in delivering affordable credit. Joseph Rowntree Foundation.
   Google Scholar
• Hastings, A., Bailey, N., Bramley, G., Gannon, M., & Watkins, D. (2015). The cost of the cuts: The impact on local government and poorer communities. Joseph Rowntree Foundation.
   Google Scholar
• Hills, J. (2001). Inclusion or Exclusion? The role of housing subsidies and benefits. Urban Studies, 38(11), 1887–1902. doi: 10.1080/00420980120080835
   Web of Science ®Google Scholar
• HMSO. (1979). The credit union act. HMSO.
   Google Scholar
• Jones, P. A. (2008). From tackling poverty to achieving financial inclusion: The changing role of British credit unions in low income communities. The Journal of Socio-Economics, 37(6), 2141–2154. doi: 10.1016/j.socec.2007.12.001
   Google Scholar
• Jones, P. A., & Ellison, A. (2011). Community finance for London: Scaling up the credit union and social finance sector. Faculty of Health and Applied Social Sciences, LJMU.
   Google Scholar
• Lee, B., & Brierley, J. (2017). UK government policy, credit unions and payday loans. International Journal of Public Administration, 40(4), 348–360. doi: 10.1080/01900692.2015.1113549
   Web of Science ®Google Scholar
• Lee, B., & Saunders, M. (2017). Conducting case study research. Sage.
   Google Scholar
• Lewisham Plus Credit Union Limited. (2016). Annual report and financial statements year ended 30 september 2016. Lewisham Plus Credit Union.
   Google Scholar
• Maclennan, D., & More, A. (1999). Evidence, what evidence? The foundations for housing policy. Public Money & Management, 19(1), 17–23. doi: 10.1111/1467-9302.00148
   Web of Science ®Google Scholar
• Madanipour, A., Shucksmith, M., & Talbot, H. (2015). Concepts of poverty and social exclusion in Europe. Local Economy, 30(7), 721–741. doi: 10.1177/0269094215601634
   Web of Science ®Google Scholar
• Marsh, A., & Mullins, D. (1998). The social exclusion perspective and housing studies: Origins applications and limitations. Housing Studies, 13(6), 749–760. doi: 10.1080/02673039883047
   Web of Science ®Google Scholar
• McKillop, D. G., & Quinn, B. (2015). Web adoption by Irish credit unions: Performance implications. Annals of Public and Co-operative Economics, 86(3), 421–443. doi: 10.1111/apce.12057
   Web of Science ®Google Scholar
• McKillop, D. G., & Quinn, B. (2017). Irish credit unions: Differential regulation based on business model complexity. British Accounting Review, 49(2), 230–241. doi: 10.1016/j.bar.2016.07.001
   Web of Science ®Google Scholar
• McKillop, D. G., Ward, A. M., & Wilson, J. O. S. (2007). The development of credit unions and their role in tackling financial exclusion. Public Money & Management, 27(1), 37–44. doi: 10.1111/j.1467-9302.2007.00553.x
   Web of Science ®Google Scholar
• McKillop, D., Ward, A. M., & Wilson, J. O. S. (2011). Credit unions in great Britain: Recent trends and current prospects. Public Money & Management, 31(1), 35–42. doi: 10.1080/09540962.2011.545545
   Web of Science ®Google Scholar
• McKillop, D. G., & Wilson, J. O. S. (2003). Credit unions in Britain: A time for change. Public Money & Management, 23(2), 119–124. doi: 10.1080/09540962.2003.10874833
   Web of Science ®Google Scholar
• McKillop, D. G., & Wilson, J. O. S. (2007). Editorial. Public Money & Management, 27(1), 9–12. doi: 10.1111/j.1467-9302.2007.00549.x
   Web of Science ®Google Scholar
• Myers, J., Cato, M. S., & Jones, P. A. (2012). An ‘alternative mainstream’? The impact of financial inclusion policy on credit unions in wales. Public Money & Management, 32(6), 409–416. doi: 10.1080/09540962.2012.728780
   Web of Science ®Google Scholar
• Pawson, H., & Kintrea, K. (2002). Part of the problem or part of the solution? Social housing allocation policies and social exclusion in Britain. Journal of Social Policy, 33(4), 643–667. doi: 10.1017/S0047279402006797
   Google Scholar
• Portes, J., & Reed, H. (2017). Distributional results for the impact of tax and welfare reforms between 2010-17, modelled in the 2021/22 tax year: Interim findings, November 2017. Equality and Human Rights Commission.
   Google Scholar
• Rawal, N. (2008). Social exclusion and inclusion: A review. Dhaulagiri Journal of Sociology and Anthropology, 2, 161–180. doi: 10.3126/dsaj.v2i0.1362
   Google Scholar
• Ralston, D., & Wright, A. (2003). Lending procedures and the viability-social objectives conflict in credit unions. International Journal of Bank Marketing, 21(6–7), 304–311. doi: 10.1108/02652320310498456
   Google Scholar
• RBS. (2013). Mind the finance gap: Evidencing demand for community finance. RBS Group/ CDFA.
   Google Scholar
• Robinson, D. (2012). Social housing in England: Testing the logics of reform. Urban Studies, 50(8), 1489–1504. doi: 10.1177/0042098012462611
   Web of Science ®Google Scholar
• Somerville, P. (1998). Empowerment through residence. Housing Studies, 13(2), 33–58. doi: 10.1080/02673039883425
   Web of Science ®Google Scholar
• Sprigings, N. (2002). Delivering public services—mechanisms and consequences: Delivering public services under the new public management: The case of public housing. Public Money & Management, 22(4), 11–17. doi: 10.1111/1467-9302.00324
   Web of Science ®Google Scholar
• Taylor, M. (1998). Combating the social exclusion of housing estates. Housing Studies, 13(6), 819–832. doi: 10.1080/02673039883092
   Web of Science ®Google Scholar
• Townsend, P. (1979). Poverty in the United Kingdom. Allen Lane and Penguin Books.
   Google Scholar
• UN. (1995). The copenhagen declaration and programme of action: World summit for social development 6–12 march 1995. UN Department of Publications.
   Google Scholar
• UN. (2016). Leaving no one behind: The imperative of inclusive development. report on the world social situation 2016. UN Department of Economic and Social Affairs.
   Google Scholar
• Webb, S. (2001). Viewpoints: Transforming homes or privatizing social housing? Public Money & Management, 21(4), 6–7. doi: 10.1111/1467-9302.00277
   Web of Science ®Google Scholar
• Whitehead, C. (1983). Housing under the conservatives: A policy assessment. Public Money & Management, 3(1), 15–21.
   Google Scholar