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The Family Loan and Saving Scheme

Jones, P, Harris, D and Warbrick, T (2023) The Family Loan and Saving Scheme. Technical Report. Pennine Community Credit Union Ltd and Swoboda Research Centre, Dublin, Ireland.

202306_SWOBODA042_Family_Loan.pdf - Published Version

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For community credit unions in Great Britain in recent years, family loans – where Child Benefit is paid directly into the credit union by the Government for savings and loan repayment – have become a high growth product. In this report, Pennine Community Credit Union, in collaboration with the Swoboda Research Centre and Liverpool John Moores University, researches the views of its members who use this product, undertakes an extensive review of its own policies and practice, and talks to other credit unions about their experiences and perspectives, in order to understand whether this product is meeting needs in the way they intended.

The result is both an endorsement by members of the PCCU product and service, affirming the credit union’s belief that this is a valuable service for their members, particularly those on low incomes, and meets borrowing and savings needs in a way that would not be possible without the dedicated Child Benefit payment mechanism. The report also provides a comprehensive discussion of best practice in this area: PCCU has found opportunities to strengthen its approach, and this document is a useful guide for other credit unions providing or seeking to offer this product.

Item Type: Monograph (Technical Report)
Uncontrolled Keywords: lending; financial inclusion; credit unions; child benefit
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HJ Public Finance
R Medicine > RA Public aspects of medicine > RA0421 Public health. Hygiene. Preventive Medicine
Divisions: Public Health Institute
Publisher: Pennine Community Credit Union Ltd and Swoboda Research Centre
Related URLs:
SWORD Depositor: A Symplectic
Date Deposited: 22 May 2024 14:16
Last Modified: 22 May 2024 14:16
URI: https://researchonline.ljmu.ac.uk/id/eprint/23344
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