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Tackling vulnerability to debt. Affordable lending alternatives and financial education: An evidence review

Research output: Contribution to Journal/Magazine › Journal article › peer-review

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Tackling vulnerability to debt. Affordable lending alternatives and financial education: An evidence review. / Mosedale, Sarah; Simpson, Glenn; Popay, Jennie et al.
In: Journal of Poverty and Social Justice, Vol. 26, No. 3, 10.2018, p. 315-333.

Research output: Contribution to Journal/Magazine › Journal article › peer-review

Harvard

Mosedale, S, Simpson, G, Popay, J, McGill, R, Cooper, P, Taylor, C, Fisher, K & Sant, H 2018, 'Tackling vulnerability to debt. Affordable lending alternatives and financial education: An evidence review', Journal of Poverty and Social Justice, vol. 26, no. 3, pp. 315-333. https://doi.org/10.1332/175982718X15299593316586

APA

Mosedale, S., Simpson, G., Popay, J., McGill, R., Cooper, P., Taylor, C., Fisher, K., & Sant, H. (2018). Tackling vulnerability to debt. Affordable lending alternatives and financial education: An evidence review. Journal of Poverty and Social Justice, 26(3), 315-333. https://doi.org/10.1332/175982718X15299593316586

Vancouver

Mosedale S, Simpson G, Popay J, McGill R, Cooper P, Taylor C et al. Tackling vulnerability to debt. Affordable lending alternatives and financial education: An evidence review. Journal of Poverty and Social Justice. 2018 Oct;26(3):315-333. Epub 2018 Aug 1. doi: 10.1332/175982718X15299593316586

Author

Mosedale, Sarah ; Simpson, Glenn ; Popay, Jennie et al. / Tackling vulnerability to debt. Affordable lending alternatives and financial education : An evidence review. In: Journal of Poverty and Social Justice. 2018 ; Vol. 26, No. 3. pp. 315-333.

Bibtex

@article{21677b379a9149e0b61a5b16de5247a3,
title = "Tackling vulnerability to debt. Affordable lending alternatives and financial education: An evidence review",
abstract = "The pathways to vulnerability to debt and what works to reduce such vulnerability are poorly understood. To address this knowledge gap, we conducted an evidence review. Many low-income borrowers have little alternative but to resort to high interest lending. Developing 'affordable' lending alternatives has been a challenge. Policy-makers have advocated person-centred approaches (for example, financial education) despite little evidence supporting the efficacy of such behavioural measures. Arguably this has shifted the burden of social responsibility and risk for managing problem debt primarily onto borrowers. While better regulation of the credit industry is needed, ultimately policymakers need to look beyond market-based solutions. {\textcopyright} Policy Press 2018.",
keywords = "Affordable lending, Financial education, Payday loans, Problem debt",
author = "Sarah Mosedale and Glenn Simpson and Jennie Popay and Rory McGill and Paula Cooper and Catherine Taylor and Kate Fisher and Helen Sant",
year = "2018",
month = oct,
doi = "10.1332/175982718X15299593316586",
language = "English",
volume = "26",
pages = "315--333",
journal = "Journal of Poverty and Social Justice",
issn = "1759-8273",
publisher = "Policy Press",
number = "3",

}

RIS

TY - JOUR

T1 - Tackling vulnerability to debt. Affordable lending alternatives and financial education

T2 - An evidence review

AU - Mosedale, Sarah

AU - Simpson, Glenn

AU - Popay, Jennie

AU - McGill, Rory

AU - Cooper, Paula

AU - Taylor, Catherine

AU - Fisher, Kate

AU - Sant, Helen

PY - 2018/10

Y1 - 2018/10

N2 - The pathways to vulnerability to debt and what works to reduce such vulnerability are poorly understood. To address this knowledge gap, we conducted an evidence review. Many low-income borrowers have little alternative but to resort to high interest lending. Developing 'affordable' lending alternatives has been a challenge. Policy-makers have advocated person-centred approaches (for example, financial education) despite little evidence supporting the efficacy of such behavioural measures. Arguably this has shifted the burden of social responsibility and risk for managing problem debt primarily onto borrowers. While better regulation of the credit industry is needed, ultimately policymakers need to look beyond market-based solutions. © Policy Press 2018.

AB - The pathways to vulnerability to debt and what works to reduce such vulnerability are poorly understood. To address this knowledge gap, we conducted an evidence review. Many low-income borrowers have little alternative but to resort to high interest lending. Developing 'affordable' lending alternatives has been a challenge. Policy-makers have advocated person-centred approaches (for example, financial education) despite little evidence supporting the efficacy of such behavioural measures. Arguably this has shifted the burden of social responsibility and risk for managing problem debt primarily onto borrowers. While better regulation of the credit industry is needed, ultimately policymakers need to look beyond market-based solutions. © Policy Press 2018.

KW - Affordable lending

KW - Financial education

KW - Payday loans

KW - Problem debt

U2 - 10.1332/175982718X15299593316586

DO - 10.1332/175982718X15299593316586

M3 - Journal article

VL - 26

SP - 315

EP - 333

JO - Journal of Poverty and Social Justice

JF - Journal of Poverty and Social Justice

SN - 1759-8273

IS - 3

ER -