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Over the past decade, Fair for You has transformed the landscape of ethical lending, offering a dignified alternative to high-cost credit and supporting tens of thousands of families to access essential goods, improve their financial wellbeing, and enhance their quality of life. This report quantifies the breadth of social value created, reflects on lessons learned, and includes recommendations for social investors and wider financial inclusion policy.
The Food Club is a highly innovative partnership between Fair for You and Iceland Foods, providing small sum, interest-free credit to a demographic that has been hit hard by the cost-of-living crisis. Our evaluation indicates it has been highly successful: reducing the use of interest bearing credit for essentials, and helping people stay on top of their household bills. And it has improved diets; stopped children from going hungry, and improved both physical and mental health in many cases.
The Covid-19 pandemic posed a considerable risk to the community finance sector. To assist, Fair4All Finance's Covid-19 Resilience Fund provided £3.9 million of support to 31 community finance providers. Read our independent evaluation here.
