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Deduction Lending: Does it Add Up for Low-Income Borrowers

Evans, G, McAteer, M, Earnshaw, M, Jones, P and Money, N (2023) Deduction Lending: Does it Add Up for Low-Income Borrowers. Project Report. Fair4All Finance, https://fair4allfinance.org.uk/resources/deduction-lending-does-it-all-add-up-for-low-income-earners/.

Deduction-Lending-Payroll-and-Benefits-Borrowing-Amongst-Low-Income-Households-FINAL-FULL-REPORT-V1.4.pdf - Published Version

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This research study was conceived by Fair4All Finance to test the potential for deduction lending, repaid at income source, either through salaries (payroll lending) or through Child Benefit (benefit lending), to be advantageous for borrowers due to the automatic
repayment mechanism, and for lenders, due in part to better repayment performance than other loans. Specifically, the project looked at low value lending (less than £1,500), as people borrowing at this level tend to have lower incomes and be less well-served by thecredit market. It aims to enable a better understanding of how these services work and where, or if, they could be enhanced to benefit more customers and, potentially attract more provision

Item Type: Monograph (Project Report)
Uncontrolled Keywords: credit; low-income; borrowers; payroll deduction; child benefit
Subjects: H Social Sciences > HG Finance
Divisions: Nursing & Allied Health
Publisher: Fair4All Finance
Related URLs:
SWORD Depositor: A Symplectic
Date Deposited: 13 Jun 2023 08:52
Last Modified: 13 Jun 2023 08:52
URI: https://researchonline.ljmu.ac.uk/id/eprint/19765
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