Building Better Credit Unions

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Overview


In the UK there is increasing acceptance that credit unions have a potentially important role to play in the provision of affordable credit to all sections of society, including those facing financial exclusion. Against this backdrop, this study seeks to identify current patterns of credit union development, quantify the performance of credit unions and isolate those factors which make some credit unions more successful than others.The study considers the financial profile of UK credit union movement, examining the relative performance of credit unions for the UK as a whole and separately for Northern Ireland, Scotland, England and Wales. It also uses case studies to explore key trends within the sector, including consideration of recently established 'fast growth' credit unions, which have received pump priming from their local authorities, as well as a number of merging credit unions. Building better credit unions provides descriptive statistics conceptualising the UK credit union movement; outlines the differences in the profile of credit union penetration within the main UK regions; considers recent legislative amendments; investigates why some credit unions perform much better than others and identifies a series of policy recommendations needed to strengthen the sector.This report will be invaluable to the management and board of individual credit unions, the decision makers in the various credit union trade associations, the credit union regulator and policy makers in the arena of financial inclusion in central and local government.
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Product Details

  • ISBN-13: 9781861348296
  • Publisher: Policy Press at the Univ of Bristol
  • Publication date: 2/13/2006
  • Edition description: 1ST
  • Pages: 64
  • Product dimensions: 8.25 (w) x 11.50 (h) x 0.30 (d)

Meet the Author


Peter Goth, Queen's University Belfast, Donal McKillop, School of Management and Economics, Queen's University Belfast and Charles Ferguson, Volunteer Development Scotland
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Table of Contents


List of tables
Acknowledgements
Introduction

1. UK credit unions
    Structure
    Legislation
    Financial exclusion
2. Performance measurement
3. Newly formed 'fast growth' credit unions

    Final comments on newly formed credit unions
4. Case study analysis of UK credit union mergers
    Theoretical perspectives and empirical evidence on credit union mergers
    The merger case studies: key themes
    Shared services as an alternative to mergers
    Final thoughts on mergers
5. Factors driving differential credit union performance
    Two strong but different credit unions
    The importance of benchmark data
    Premises and staff
    Volunteers
    The board of directors
6. Summary and policy recommendations
    Policy recommendations

References
Appendix

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