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All Outputs (31)

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. (in press). The link between digital skills and financial inclusion – evidence from consumers survey data from low-income areas. Journal of Consumer Policy,

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.

The link between digital skills and financial inclusion -Evidence from consumers survey data from low-income areas (2024)
Journal Article
Vik, P., Kamerāde, D., & Dayson, K. (in press). The link between digital skills and financial inclusion -Evidence from consumers survey data from low-income areas. Journal of Consumer Policy,

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.

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.

Finding ontological security in a world of precarity : a sociological study of the use of high cost credit by people on low incomes (2020)
Thesis
Mann, G. Finding ontological security in a world of precarity : a sociological study of the use of high cost credit by people on low incomes. (Thesis). University of Salford

People on very low incomes can often pay the highest rates of interest for credit. This research aims to explore the experiences of people on low incomes who use high-cost credit to understand why people with the fewest financial resources are prepa... Read More about Finding ontological security in a world of precarity : a sociological study of the use of high cost credit by people on low incomes.

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.

A penny for your thoughts : the practice of rewarding research participants with shopping vouchers (2017)
Other
Mann, G., Dayson, K., & Bagnall, G. (2017). A penny for your thoughts : the practice of rewarding research participants with shopping vouchers

This briefing addresses whether giving shopping vouchers to research participants in receipt of government welfare benefits will be harmful if they have to declare it to benefit entitlement officials or if it causes them to exceed the amount they are... Read More about A penny for your thoughts : the practice of rewarding research participants with shopping vouchers.

The rationale and concept of the European code of conduct for microcredit providers (2015)
Presentation / Conference
Dayson, K. (2015, September). The rationale and concept of the European code of conduct for microcredit providers. Presented at 14th UMM Workshop : on Responsible Inclusive Finance and Customer Empowerment, Frankfurt School of Finance & Management

The article draws on the rationale and concept of the European Code of good Conduct for Microcredit Providers which was intended to set out good practice guidelines that will better enable the sector to face the challenges of accessing longterm... Read More about The rationale and concept of the European code of conduct for microcredit providers.

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 - 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.

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.

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.

Mobility and inequality in a transitional inner-city neighbourhood (2011)
Thesis
Jeffery, R. Mobility and inequality in a transitional inner-city neighbourhood. (Thesis). Salford : University of Salford

This study attempts to identify the causal mechanisms linking social inequality and physical (im)mobilities, by way of a case study analysis. Adopting a methodological approach of critical realism, the focus of this study lies not with aggregate... Read More about Mobility and inequality in a transitional inner-city neighbourhood.