An ‘alternative mainstream’? The impact of financial inclusion policy on credit unions in Wales

Myers, Jan, Scott-Cato, Molly and Jones, Paul A. (2012) An ‘alternative mainstream’? The impact of financial inclusion policy on credit unions in Wales. Public Money & Management, 32 (6). pp. 409-416. ISSN 0954-0962

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Not having access to mainstream financial services, such as a bank account or a credit card, can lead to a variety of social and economic exclusions. In a number of countries, particularly Ireland, Spain, Canada and the UK, credit unions—member-owned financial co-operatives—play a significant role in reaching under-served and excluded communities, as well as providing ‘safe’ avenues for
savings and credit. Yet many credit unions are facing financial and operational problems. This article looks at the experience of Welsh credit unions. The research
has implications for policy development and government–credit union relations in Wales and further research on credit unions and financial inclusion.

Item Type: Article
Uncontrolled Keywords: Credit unions, financial co-operatives, financial inclusion, public policy, Welsh government
Subjects: L400 Social Policy
N200 Management studies
Department: Faculties > Business and Law > Newcastle Business School > Corporate and Executive Development
Depositing User: Jan Myers
Date Deposited: 26 Sep 2014 13:42
Last Modified: 10 Aug 2015 10:58

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