//Supporting Financially Healthy Lives & Communities

Reshaping Financial Support – Local Authority Scoping Exercise

We are delighted to announce that CfRC has been commissioned by the Local Government Association to help scope out potential improvements to financial support for low income households, and suggest possible trials of new approaches in 2018/19. The research will involve working closely with up to ten local authorities between now and the end of [...]

Evaluating the Financial Health Fellowship Programme

The Centre for Responsible Credit is externally evaluating the Financial Health Fellowship Programme, which has been delivered over the past six months by the Finance Innovation Lab in partnership with Toynbee Hall.  Undertaking the evaluation has involved directly observing several activities, including monthly sessions, one of the leadership retreats, and the pitch practice and recent [...]

The decline of local welfare schemes in England

Local welfare provision in England is at risk of collapsing if Government does not urgently review its approach and step in with more funding for local authorities. A failure to act will create widespread destitution, and put even greater pressure on already over-stretched housing, health, and social care services. Those are the key messages from [...]

Improving Financial Health: new approaches and innovations

We've teamed up with the Financial Health Exchange at Toynbee Hall to deliver a fantastic new conference in London on 30th October. Too many households in Britain today are struggling with a combination of outstanding debt, low or no savings, and increasing pressure on incomes. Many are also finding it difficult to budget effectively due [...]

Evaluating the Social Impact of Fair for You

In December 2015, Fair for You Enterprise CIC launched with its initial offering of affordable, unsecured, loans to help people on low to middle incomes purchase essential household goods.  Fair for You Enterprise CIC is a Community Interest Company wholly owned by Fair for You Ltd, a registered charity which has as its aims: [...]

Using Insight and Innovation to Benefit Low Income Households

January 2016 Over the past forty years the well being of households and businesses has become increasingly dependent on their relationship with financial services. Financial services offer the potential to help manage fluctuations in income and expenditure, build resilience against future shocks, and provide the means for people to take advantage of opportunities. Yet [...]