Skip to main content

Research Repository

Advanced Search

All Outputs (26)

The Link Between Digital Skills and Financial Inclusion—Evidence from Consumers Survey Data from Low-Income Areas (2024)
Journal Article
Vik, P., Kamerade, D., & Dayson, K. (2024). The Link Between Digital Skills and Financial Inclusion—Evidence from Consumers Survey Data from Low-Income Areas. Journal of Consumer Policy, https://doi.org/10.1007/s10603-024-09567-w

Financial and digital inclusion are key consumer policy agendas for governments globally. Yet, despite the importance of online interfaces to manage finances and make payments, the link between financial and digital inclusion remains under-researched... Read More about The Link Between Digital Skills and Financial Inclusion—Evidence from Consumers Survey Data from Low-Income Areas.

Resilience of cooperatives during global pandemics – Short-term effects of Covid-19 on lending behaviour of British credit unions (2023)
Journal Article
Vik, P., Curtis, J., & Karl, D. (in press). Resilience of cooperatives during global pandemics – Short-term effects of Covid-19 on lending behaviour of British credit unions. Journal of Co-operative Organization and Management, 11(2), 100220. https://doi.org/10.1016/j.jcom.2023.100220

Cooperative financial institutions are believed to be less vulnerable to business and economic fluctuations linked to recessions and crises. This paper examines the short-term effects of Covid-19 on the British credit union sector d... Read More about Resilience of cooperatives during global pandemics – Short-term effects of Covid-19 on lending behaviour of British credit unions.

The impact of COVID-19 on UK community finance institutions – Implications for local economic development (2023)
Journal Article
Vik, P. M., Curtis, J., & Dayson, K. T. (2023). The impact of COVID-19 on UK community finance institutions – Implications for local economic development. Local Economy, https://doi.org/10.1177/02690942231208916

UK community finance institutions play an important role in deprived neighbourhoods by serving households and businesses unable to access mainstream finance. This paper analyses the short-term effects of the Coronavirus pandemic on the activities and... Read More about The impact of COVID-19 on UK community finance institutions – Implications for local economic development.

The impact of the cost-of-living crisis on British credit unions and community-lenders (2022)
Journal Article
Vik, P., & Wallace, A. (2022). The impact of the cost-of-living crisis on British credit unions and community-lenders. Journal of co-operative studies, 55(2), 29-34

Credit unions are often hypothesised to be less vulnerable to crises than other types of businesses. This paper examines the impact of the cost-of-living crisis on the British credit union and community lender sector drawing on interviews with 25 m... Read More about The impact of the cost-of-living crisis on British credit unions and community-lenders.

Social goals versus business necessity : the nature and determinants of innovation in financial inclusion (2021)
Journal Article
Vik, P., McEachern, M., Curtis, J., Kane, K., & Dayson, K. (in press). Social goals versus business necessity : the nature and determinants of innovation in financial inclusion. Social Business, https://doi.org/10.1362/204440821X16206324311132

Purpose: This study aims to explore the extent to which social innovation is prioritised among a sample of organisations promoting financial inclusion through the provision of affordable credit, advice and financial education. Additionally, we seek... Read More about Social goals versus business necessity : the nature and determinants of innovation in financial inclusion.

Scaling up the UK personal lending CDFI sector : from £20m to £200m in lending by 2027 (2020)
Report
Dayson, K., Vik, P., & Curtis, J. (2020). Scaling up the UK personal lending CDFI sector : from £20m to £200m in lending by 2027

This report analysed the social and financial performance of the UK personal lending CDFI sector using data for 2014-17. It also discussed the levers and potential for the sector to significantly scale up to provide £200m in annual lending in a ten-y... Read More about Scaling up the UK personal lending CDFI sector : from £20m to £200m in lending by 2027.

Risk management in microfinance : identities, perceptions, behaviours and interests of microfinance stakeholders in Plateau State, Nigeria (2019)
Thesis
Danaan, V. (in press). Risk management in microfinance : identities, perceptions, behaviours and interests of microfinance stakeholders in Plateau State, Nigeria. (Thesis). University of Salford

Studies on microfinance risk management in Nigeria are inclined to quantitative analysis of risk based on business and accounting principles without recourse to understanding and interpreting meanings from the lived experiences of relevant stakeholde... Read More about Risk management in microfinance : identities, perceptions, behaviours and interests of microfinance stakeholders in Plateau State, Nigeria.

What’s so social about Social Return on Investment? A critique of quantitative social accounting approaches drawing on experiences of international microfinance (2016)
Journal Article
Vik, P. (2016). What’s so social about Social Return on Investment? A critique of quantitative social accounting approaches drawing on experiences of international microfinance. Social and Environmental Accountability Journal, 37(1), 6-17. https://doi.org/10.1080/0969160X.2016.1263967

Quantitative approaches figure prominently in social accounting and auditing. This is because of the preference among many investors for simple and ostensibly robust and comparative metrics. Social Return on Investment (SROI), which produces a moneti... Read More about What’s so social about Social Return on Investment? A critique of quantitative social accounting approaches drawing on experiences of international microfinance.

Another step up the ladder or another foot in the grave? Re-evaluating the role of formal and informal training in the career development process within Barclays Bank, 1945–80 (2016)
Journal Article
Hollow, M., & Vik, P. (2016). Another step up the ladder or another foot in the grave? Re-evaluating the role of formal and informal training in the career development process within Barclays Bank, 1945–80. Management and Organizational History, 11(4), 345-363. https://doi.org/10.1080/17449359.2016.1230068

This paper uses a combination of archival sources and oral testimonies to evaluate the role that training (both internal and external) played in determining the promotion prospects of those employed by Barclays Bank during the post-World War II era.... Read More about Another step up the ladder or another foot in the grave? Re-evaluating the role of formal and informal training in the career development process within Barclays Bank, 1945–80.

"The computer says no” : the demise of the traditional bank manager and the depersonalisation of British banking, 1960-2010 (2016)
Journal Article
Vik, P. (2016). "The computer says no” : the demise of the traditional bank manager and the depersonalisation of British banking, 1960-2010. Business History, 59(2), 231-249. https://doi.org/10.1080/00076791.2016.1177024

This article examines the role of the British bank branch manager in the context of the transformation of banking since the 1980s and discusses its implications for British banking. The analysis was based on interviews with retired bank managers and... Read More about "The computer says no” : the demise of the traditional bank manager and the depersonalisation of British banking, 1960-2010.

Toward an architecture of microcredit regulation : the case of the European code of good conduct (2014)
Journal Article
Dayson, K., & Vik, P. (2014). Toward an architecture of microcredit regulation : the case of the European code of good conduct. Journal of cost management, 28(2), 18-25

Over the last few years microfinance has faced criticism for the quality of its customer services, excessive profiteerng, and divergence from its core mission of helping the poor. As the sector, in some nations, and especially individual institution... Read More about Toward an architecture of microcredit regulation : the case of the European code of good conduct.

Methodology to monitor the implementation of the ‘European code of good conduct for microcredit provision' by microcredit providers - microcredit provider guidelines (2013)
Book
Dayson, K., & Vik, P. (2013). Methodology to monitor the implementation of the ‘European code of good conduct for microcredit provision' by microcredit providers - microcredit provider guidelines. Brussels: European Commission, Directorate-General for Regional Policy. https://doi.org/10.2776/88587

These provider guidelines are intended to support microcredit providers (henceforth, ‘the providers’) wanting to implement the ‘European Code of Good Conduct for Microcredit Provision’ (henceforth, ‘the Code’). The guidance is aimed at management and... Read More about Methodology to monitor the implementation of the ‘European code of good conduct for microcredit provision' by microcredit providers - microcredit provider guidelines.

Methodology to monitor the implementation of the ‘European code of good conduct for microcredit provision’ by microcredit providers - evaluator methodology (2013)
Book
Dayson, K., & Vik, P. (2013). Methodology to monitor the implementation of the ‘European code of good conduct for microcredit provision’ by microcredit providers - evaluator methodology. Brussels: European Commission, Directorate-General for Regional Policy. https://doi.org/10.2776/89112

This document is the methodology to monitor the implementation of the ‘European Code of Good Conduct for Microcredit Provision’ (henceforth, ‘the Code’) by microcredit providers (henceforth, ‘the providers’). The methodology is primarily aimed at t... Read More about Methodology to monitor the implementation of the ‘European code of good conduct for microcredit provision’ by microcredit providers - evaluator methodology.

European code of good conduct for microcredit provision (2013)
Book
Dayson, K., & Vik, P. (2013). European code of good conduct for microcredit provision. Brussels: European Commission, Directorate-General for Regional Policy. https://doi.org/10.2776/37362

The European Code of Good Conduct for Microcredit Provision provides a set of standards in terms of management, governance, risk management, reporting, and consumer and investor relations that are common to the microcredit sector in the European Unio... Read More about European code of good conduct for microcredit provision.