by Nick Money | Jan 24, 2023 | Featured, News & Updates, Research Publications
After publication in November of the Managing Loan Declines: A Best Practice Manual, based on research by Coventry University and Swoboda Research Centre and funded by Fair4All Finance, we held a very well-attended webinar in January where the authors of the manual...
by Nick Money | Nov 14, 2022 | Featured, News & Updates, Research Publications
Access to credit is is a vital pat of many people’s financial management, especially in difficult economic times. But especially in such times, affordability and credit records come under further pressure and loan applications may be unsuccessful. At best, a...
by Nick Money | Jul 20, 2022 | Featured, News & Updates, Research, Research Publications
Many credit unions, particularly those in Britain using open banking, are seeing increasing signs of problem gambling in the expenditure patterns of members applying for loans. Up to 1.2 million adults in the UK are classified as ‘problem gamblers’ and in Ireland over...
by Nick Money | Apr 21, 2022 | Featured, News & Updates, Research Publications
The latest paper from Swoboda is now available. It is written by our 2021 Credit Union Research Prizewinners, Professor Martin Quinn (Queens University Belfast), Dr Peter Cleary (University College Cork) and Dr Martijn van der Steen (University of Groningen). The...
by Nick Money | Feb 23, 2022 | Featured, News & Updates, Research, Research Publications
Swoboda is excited to publish a new report from Ismail Ertürk, of the Alliance Manchester Business School, on how credit unions are made vulnerable by the way the financial system is managed by policymakers and regulators. Ismail’s detailed and challenging...
by Nick Money | Nov 8, 2021 | Featured, News & Updates, Research Publications
The first object of credit unions noted in Irish and British legislation is the “promotion of thrift among its members by the accumulation of their savings”. For it is through saving and the building of assets, rather than through borrowing, that members achieve...
