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Credit Unions In Scotland
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Book Synopsis Credit and Community by : Sean O'Connell
Download or read book Credit and Community written by Sean O'Connell and published by OUP Oxford. This book was released on 2009-01-22 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit and Community examines the history of consumer credit and debt in working class communities. Concentrating on forms of credit that were traditionally very dependent on personal relationships and social networks, such as mail-order catalogues and co-operatives, it demonstrates how community-based arrangements declined as more impersonal forms of borrowing emerged during the twentieth century. Tallymen and check traders moved into doorstep moneylending during the 1960s, but in subsequent decades the loss of their best working class customers, owing to increased spending power and the emergence of a broader range of credit alternatives, forced them to focus on the 'financially excluded'. This 'sub-prime' market was open for exploitation by unlicensed lenders, and Sean O'Connell offers the first detailed historical investigation of illegal moneylending in the UK, encompassing the 'she usurers' of Edwardian Liverpool and the violent loan sharks of Blair's Britain. O'Connell contrasts such commercial forms of credit with formal and informal co-operative alternatives, such as 'diddlum clubs', 'partners', and mutuality clubs. He provides the first history of the UK credit unions, revealing the importance of Irish and Caribbean immigrant volunteers, and explains the relative failure of the movement compared with Ireland. Drawing on a wide range of neglected sources, including the archives of consumer credit companies, the records of the co-operative and credit union movements, and government papers, Credit and Community makes a strong contribution to historical understandings of credit and debt. Oral history testimony from both sides of the credit divide is used to telling effect, offering key insights into the complex nature of the relationship between borrowers and lenders.
Book Synopsis Scotland analysis by : Great Britain: H.M. Treasury
Download or read book Scotland analysis written by Great Britain: H.M. Treasury and published by Stationery Office. This book was released on 2013-05-20 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: The second Scotland analysis paper, Currency and monetary policy, explained that the currency and macroeconomic framework that operates across the UK would not be able to continue between two separate states. In the event of a vote for independence, there would be further consequences for the financial sector and for its customers which are analysed in the current paper. The most profound implication is that independence would create two separate financial jurisdictions: the continuing UK and a new, independent Scotland, which would require its own legal and regulatory framework. The competitiveness of Scotland's financial sector is aided by its location within the UK. Industry and international bodies view the UK as a strong tax and regulatory regime, building customers' and partner organisations' trust in UK financial firms. Being part of the UK helps support the Scottish financial services sector, which generates employment not just in financial services firms, but in the professional and other services that support the sector. Location in a larger economy also helps to reduce firms' cost of borrowing because markets perceive these firms as less of a risk. If Scotland became independent, this position would be called into question: The Scottish banking sector would be exceptionally large compared to the size of an independent Scotland's economy, making it more vulnerable to financial shocks than it is as part of the larger UK. There could be questions about an independent Scotland's ability to stabilise its banking system in the event of a future financial crisis
Book Synopsis Poverty in Scotland by : Great Britain: Parliament: House of Commons: Scottish Affairs Committee
Download or read book Poverty in Scotland written by Great Britain: Parliament: House of Commons: Scottish Affairs Committee and published by The Stationery Office. This book was released on 2007-12-20 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: Incorporating HC 168-i to x, session 2006-07
Book Synopsis Postal services in Scotland by : Great Britain: Parliament: House of Commons: Scottish Affairs Committee
Download or read book Postal services in Scotland written by Great Britain: Parliament: House of Commons: Scottish Affairs Committee and published by The Stationery Office. This book was released on 2011-01-09 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Committee's report considers two key issues: the maintenance of a universal service and the continuation of a sustainable Post Office network across Scotland. The report welcomes assurances that Scotland would not be made exempt from the universal service obligation. Further clarification is needed on Ofcom's power to designate more than one universal service provider. Ofcom should be required to consult with consumers, small businesses and vulnerable users in remote, rural and island communities in Scotland before it recommends any changes to the existing USO. There are considerable advantages to a long, stable and robust relationship between Royal Mail Group and Post Office Ltd and the Committee recommends that a ten year Inter Business Agreement should be reached prior to any sale of Royal Mail. On the Post Office network, the Bill makes no provision for the number of Post Offices and does not set out criteria for access to the network, a matter of concern because the current criteria could be met by 7,500 branches rather than the existing 11,500 branches. This could lead to many closures in Scotland. The Committee recommends that the Government gives assurances to preserving the existing network of branches. Elements of Outreach Post Offices, which replaced 102 Post Office branches in rural and remote parts of Scotland, are not sufficiently robust or reliable to provide an adequate service, according to the Committee, and it fears the new Post Office Local risks downgrading the service further. Improvements should be delivered as a matter of urgency.
Download or read book SCOLAG written by and published by . This book was released on 2001 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Jackson Rising Redux by : Kali Akuno
Download or read book Jackson Rising Redux written by Kali Akuno and published by PM Press. This book was released on 2023-04-11 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mississippi is the poorest state in the US, with the highest percentage of Black people and a history of vicious racial terror. Black resistance at a time of global health, economic, and climate crisis is the backdrop and context for the drama captured in this new and revised collection of essays. Cooperation Jackson, founded in 2014 in Mississippi’s capital to develop an economically uplifting democratic “solidarity economy,” is anchored by a network of worker-owned, self-managed cooperative enterprises. The organization developed in the context of the historic election of radical Mayor Chokwe Lumumba, lifetime human rights attorney. Subsequent to Lumumba’s passing less than one year after assuming office, the network developed projects both inside and outside of the formal political arena. In 2020, Cooperation Jackson became the center for national and international coalition efforts, bringing together progressive peoples from diverse trade union, youth, church, and cultural movements. This long-anticipated anthology details the foundations behind those successful campaigns. It unveils new and ongoing strategies and methods being pursued by the movement for grassroots-centered Black community control and self-determination, inspiring partnership and emulation across the globe.
Book Synopsis Retail and Digital Banking by : John Henderson
Download or read book Retail and Digital Banking written by John Henderson and published by Kogan Page Publishers. This book was released on 2018-10-03 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: Endorsed by the Chartered Banker Institute as core reading for the Personal and Private Banking module, Retail and Digital Banking looks at the changes that have occurred, including developments in onshore and offshore operations, call centres and the impact of technology and other critical factors in retail and digital banking. This book considers the evolution of retail banking services and the major role that technology has played in providing quality, cost-effective services to consumers. This fascinating text then goes on to offer expert thought leadership on the future of retail banking and what this could mean for existing established banks and disruptive new entrants. Retail and Digital Banking offers readers the opportunity to take a step back and consider the evolution of the sector in which they work and the tremendous level of change that has occurred over time for all operational activity. Retail and Digital Banking provides support for the Personal and Private Banking module assessment and features practical case studies from the banking sector. This essential text brings the journey of modern banking to life and considers what the future holds. Online supporting resources include a glossary and updates to regulation.
Book Synopsis Third Sector Performance by : Graham Manville
Download or read book Third Sector Performance written by Graham Manville and published by CRC Press. This book was released on 2016-02-17 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: Global financial crisis and colossal sovereign debt has resulted in the need for radical cuts in public expenditure in many countries. Against this background, the contributions in Third Sector Performance acknowledge that, as a result, more imaginative ways of delivering public services are being sought. In countries like the UK, the new concept of The Big Society envisages third sector, or not-for-profit, or charitable organizations and social enterprises stepping in to mitigate the loss of vital public services. This development also gives rise to the likelihood that third sector financial institutions such as credit unions and a possible 'Big Society Bank' will grow in importance. The performance of all these enterprises looks set to become a much more critical issue than it has been in the past. The editors have gathered in this volume, chapters reflecting the fact that third sector organizations are not the same as conventional businesses and are also subtly different from the public sector. There is currently a dearth of knowledge and a lack of research into issues around performance in the Third Sector or Civil Society. This book begins to fill a void in the knowledge base. The internationally sourced contributions represent a balanced offering of academic research findings and practitioner accounts from the Third Sector, together with a section devoted specifically to third sector finance institutions. This book will appeal, internationally, to policy makers within the third sector or involved in the management of n-f-p and voluntary organisations, as well as to those with responsibility for wider public policy, scholars teaching or researching in this area, and students of business and management preparing for roles in social enterprises.
Download or read book Just Managing? written by Mark O'Brien and published by Open Book Publishers. This book was released on 2017-05-29 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 'just about managing'. 'Hardworking families'. 'Alarm-clock Britain'. In recent years British political discourse has been filled with these slogans, as politicians claim to speak on behalf of families who are in work, but struggling to get by. This book allows us to hear from some of these families directly. At a time when the impact of austerity is more relevant than ever, Just Managing? cuts through the debates and sloganeering to give some of the real people behind the headlines and statistics a chance to tell their stories. It tracks the lives of thirty working families in Liverpool over one year, as they struggle to manage on incomes at or around the National Minimum Wage. Their accounts are placed within the economic and political context that has shaped their experiences and that of millions of other working families across the country. This book is required reading for anyone seeking to understand what life is like at the sharp end of 'austerity Britain’.
Book Synopsis Community Economic Development by : Graham Haughton
Download or read book Community Economic Development written by Graham Haughton and published by Routledge. This book was released on 2013-12-16 with total page 278 pages. Available in PDF, EPUB and Kindle. Book excerpt: This important book examines the ways in which community economic development can contribute to local and regional regeneration. It presents a unique overview of the state of contemporary British practice in this important policy area and provides a series of fresh, theoretical, methodological and empirical insights which help us to understand ways in which communities are facing up to the challenges of devising and bringing about their own revitalisation. Community Economic Development is underpinned by the argument that much conventional regeneration work represents at best a short-term fix rather than a long-term sustainable solution to the problems of socially excluded communities. The emphasis of the book is largely on the British experience with contributions from a rich mix of new and established academics and practitioners.
Book Synopsis The New Mutualism in Public Policy by : Johnston Birchall
Download or read book The New Mutualism in Public Policy written by Johnston Birchall and published by Routledge. This book was released on 2002-09-10 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mutuality has become a topic of debate recently for a whole range of academics and social commentators. The 'demutualisation' of banks and building societies has been partnered by the idea of a 'new mutualism' , forming a set of social values and beliefs, and this collection looks at the manifestations of these trends and the implications for the future.
Author :Great Britain: Parliament: House of Commons: Treasury Committee Publisher :The Stationery Office ISBN 13 :9780215035806 Total Pages :186 pages Book Rating :4.0/5 (358 download)
Book Synopsis Unclaimed assets within the financial system by : Great Britain: Parliament: House of Commons: Treasury Committee
Download or read book Unclaimed assets within the financial system written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2007-08-06 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: Between £400 to £500 million is currently held in dormant bank and building society accounts in the UK where, for whatever reason, a financial institution has lost contact with an account holder. A large proportion of this money will never be reclaimed by its rightful owner. The Government, working with the banking industry, has therefore proposed the establishment of an unclaimed assets scheme to put these dormant accounts to productive use whilst continuing to recognise the ongoing rights of customers to reclaim their accounts at any stage. The Committee's report examines the proposed legislative framework for the scheme and its regulation, how to define and identify dormant accounts, the scope of the scheme, the proposed scheme to reunify customers with dormant accounts, a centralised national register for unclaimed assets, dormant accounts in building societies, the distribution of funds released from unclaimed assets, funding of a Social Investment Bank and local disbursement options.
Book Synopsis A Director's Guide to Governance in the Boardroom by : Arturo Langa
Download or read book A Director's Guide to Governance in the Boardroom written by Arturo Langa and published by Routledge. This book was released on 2022-04-24 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a practical guide for executive and non-executive directors and aspiring directors to lead, govern, and steer UK-based organisations to long-term sustainable success. In today’s turbulent environment, corporate governance is increasingly scrutinised, and this book will consider how directors can ‘bring the future forward’ with respect to responsible and ethical governance and leadership against the challenging political, environmental, and economic backdrop. While other books discuss UK corporate governance, this one uniquely demonstrates how the work of directors can build an organisation’s antifragility, and offers a view of stewardship approaches to every sector and type of UK organisation, from large premium listed companies to start-ups, the public sector, not-for-profits, partnerships, and family-owned and private-equity-backed organisations. Aspiring and experienced directors will each benefit from this book as well as those who provide board evaluation services, professional advisers, auditors, and those who provide training and other support for board members.
Book Synopsis Alternative Economies and Spaces by : Hans-Martin Zademach
Download or read book Alternative Economies and Spaces written by Hans-Martin Zademach and published by transcript Verlag. This book was released on 2014-04-30 with total page 157 pages. Available in PDF, EPUB and Kindle. Book excerpt: The volume entails a collection of contributions by leading scholars (Raymond Bryant, Michael K. Goodman, Benjamin Huybrechts, Andrew E.G. Jonas, Roger Lee, Peter North, and Katinka Weber) concerned with alternative modes of economic and social exchange. The cases addressed in these contributions - including credit unions, alternative currencies, sustainable consumption, and social enterprises - deliver valuable insights into how such alternatives are performed at various scales and spaces in relation to and beyond the economic mainstream. In sum, the collection provides vital grounds for both a transition of the economic system towards a more sustainable one, and a reconceptualisation of the economic itself in our scholarly thinking and everyday lives.
Book Synopsis Micro-entrepreneurs by : Andrea Westall
Download or read book Micro-entrepreneurs written by Andrea Westall and published by Institute for Public Policy Research. This book was released on 2000 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Parliament in British Politics by : Philip Norton
Download or read book Parliament in British Politics written by Philip Norton and published by Bloomsbury Publishing. This book was released on 2013-04-23 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: This fully revised new edition includes expanded coverage of Parliament's relationship with the courts, devolved assemblies and the European Union. Distinctively, the book goes beyond the usual focus of Parliament-Government relations to encompass policy-makers beyond Whitehall and Parliament's broader relationship with citizens.
Book Synopsis A new approach to financial regulation by : Great Britain. Treasury
Download or read book A new approach to financial regulation written by Great Britain. Treasury and published by The Stationery Office. This book was released on 2010-07-26 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: This document outlines the Government's programme of reform to renew the UK's system of financial regulation. It believes that weaknesses were inherent in the tripartite approach whereby three authorities - the Bank of England, the Financial Services Authority and the Treasury - were collectively responsible for financial stability. The Government will create a new Financial Policy Committee (FPC) in the Bank of England with primary statutory duty to maintain financial stability. The FPC will be given control of macro-prudential tools to ensure that systemic risks to financial stability are dealt with. This macro-prudential regulation must be co-ordinated with the prudential regulation of individual firms. Operational responsibility for prudential regulation will transfer from the FSA to a new subsidiary of the Bank of England, the Prudential Regulation Authority. The third development is the creation of a dedicated Consumer Protection and Markets Authority (CPMA) with a primary statutory responsibility to promote confidence in financial services and markets. Protection of consumers will be delivered though a strong consumer division within CPMA. The document also covers: the issue of market regulation; co-ordination of the regulatory bodies in a potential crisis; the next steps, including public consultation, legislative passage and operational implementation. The Government will, after considering responses, produce more detailed proposals - including draft legislation - for further consultation in early 2011, with a view to having legislation on the statute book within two years.
