Research Publications | Swoboda Research Centre

Deduction Lending: Does it add up for low income borrowers?

by Nick Money | Mar 7, 2023 | Featured, News & Updates, Research Publications

Swoboda was delighted to collaborate on a project led by the Financial Inclusion Centre to examine credit union deduction lending and its benefits for low income borrowers in Britain – where repayments are automatically taken at source from either salary...

Templates to help manage loan declines positively

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...

New report: Managing Loan Declines

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...

Credit unions and gambling: a practical guide to support members

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...

Social Value Reporting and Credit Union Legitimacy

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...

Where the financial system works against credit unions

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...