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A new form of social investment inspired by @Kiva - loans for UK financial inclusion. @TheFinanceLab fellow; @PalestinePlayUK trustee.

Bath, UK
Joined December 2012
Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)Photo by LendLocal (@LendLocalUK)
"For a week during lockdown, I slept on buses. I went from one side of London to the other, because it was free to travel on a bus then. I would like the government to respect us,let us be safe & treat us with dignity” #SistersNotStrangers report on refugee womens’ experiences👇
Today, the #SistersNotStrangers coalition publish new research on how refugee women have survived during the pandemic. We spoke with 115 women across the UK. Women who were already vulnerable before the crisis have been made hungry and homeless. sistersnotstrangers.com/hear…
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'There is a critical shortage of this type of #housing that is of a high standard & providing all the basic amenities for daily living, so Pax will make an immediate #impact'
Important new issue for the emerging UK #socialbonds market from @AbundanceInv - key retail SRI debt platform... £3.1m for Octevo / Merseyside Assured Homes abundanceinvestment.com/inve… 'offer will fund the redevelopment of a warehouse..apartments will be let as #affordablehousing'
'closer links need to be made between support provided by councils & financial products & services from credit unions & CDFIs' From thoughtful, practical @responsiblecred/@uniofbrighton report for @LGAcomms: 'Reshaping financial support' local.gov.uk/sites/default/f… cc @ABCULCUs
Local Govt has a big part to play helping low income households avoid problem debt & the poverty premium. This new report provides detailed examples for how, like: reviewing debt recovery policies & establishing alternative credit provision for communities local.gov.uk/sites/default/f…
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'an unregulated industry, w/providers criticised for taking advantage of vulnerable, grieving families' Painful reminder of funeral poverty from @QSA @endfuneralpov, but also practical 'Down to Earth' support theguardian.com/society/vide… quakersocialaction.org.uk/we… cc @jeffprestridge
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From #Cambodia & #Ecuador to #India & #Uganda, another group of our @Kiva borrowers makes it to successful full loan repayment... kiva.org/team/neverendinglis… - now above $50k lent in over 2,200 loans: please join us!
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'#Recycle your paper cups here' Bravo, @Pret - #reusable preferable, clearly, but great to see someone taking responsibility for their customers' paper cups, finally! NB: extra marks for the nicely ironic 'high-tech device'...
"It's too late to be pessimistic"
"We don't want to believe what we know" @Yann_A_B ted.com/talks/yann_arthus_be… 'A wide-angle view of fragile Earth' @TedTalksFPL "We have to believe what we know. It's too late to be pessimistic -- really too late"
'A 10-year strategy to decarbonise our economy & it can't happen fast enough' Important that #GreenNewDeal links addressing inequality & addressing climate breakdown...
This is purposefully radical territory Faced with climate breakdown & spiralling inequality, we must push the boundaries of what's seen as politically possible We need a #GreenNewDeal to transform our economy in 10 years Today @labourlewis & I tabled a Bill to make it happen
A bit late, now, granted, but can anyone explain why there was no #supermajority requirement in the Brexit referendum? Was the @cabinetofficeuk overruled, @david_cameron? Difficult to understand how 37% of the electorate get to inflict change this profound & this divisive...
"focused on meeting unmet need & tackling the social, economic & financial exclusion which blights the lives of so many in our communities" @Five_Lamps fivelamps.org.uk/blog/2019/0…
Replying to @niall9a @Five_Lamps
Thanks Niall - look forward to working with you too & a trip to Scotland is in the diary! Feel really privileged to be inheriting the great work & legacy from Graeme & taking Five Lamps forward in the future
"Invest in women & help us create a more equal world" 10 loans towards @Kiva's goal of funding 10,000 women entrepreneurs by International Women’s Day on March 8 kiva.org/lend/international-… #Bolivia #Colombia #Honduras #Kenya #Kyrgyzstan #Lebanon #Philippines #Tajikistan #Uganda
Notable contrast with emphasis on #PPI redress - see nitter.gq/TheFCA/status/10981699… #paydayloans
It's great that Islington council is working with Debt Hacker to make people aware of possible payday loan refunds but we also need an inquiry into the FCA failure to put in place effective, comprehensive, redress schemes for customers of companies that they know broke the rules.
“we will finally be able to sleep tonight”
Why not see what some of our members have to say about us? bit.ly/2E9BYwL
'now the leading social lender in the UK...building a financial institution that is national, yet rooted in the communities that it serves'
Meet our members ✅✅ @moneyline_uk provides personal loans between £100 and £1,500 for customers who are excluded from mainstream credit. More info at moneyline-uk.com/ Find out more #responsiblefinance providers that could help you at findingfinance.org.uk/
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Great opportunity for positive investment in leading @resp_finance member @ART_BizLoans - CITR shares via @ethexuk 'Net effective return' of 5% a year due to Community Investment Tax Relief (CITR) eligibility Minimum £500. NB: must be held for five years ethex.org.uk/ART2019
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"Responsible finance providers play a critical role in supporting local economies but their growth is hampered by a lack of available capital. This must now be remedied to give more communities across the UK a fairer, more affordable choice" responsiblefinance.org.uk/20… @resp_finance
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'Community Savings Bank Association (csba.co.uk/) launching 18 regional cooperatively owned banks across the UK...@theRSAorg working to facilitate. As well as @AvonMutual, banks already in formation in London & @SouthWestMutual & soon we hope in Lancashire & Wales'
A look at a new initiative to build community banks for community wealth building in the UK, from @citizenjules: thenextsystem.org/learn/stor…
"current proposals risk legitimising the rip-off prices that firms are currently charging" @TheFCA 'called on to work with Government to fund a ‘Project Innovate Challenge’, with active engagement of public, voluntary & FinTech sectors as well as affordable credit providers'
We have today called on the FCA to 'up its game' on Rent to Own regulation. Its current proposals will not deliver a fair deal for low income customers, and it needs to urgently re-think its approach. Read about it here. responsible-credit.org.uk/cf…
"startups help refugee talent move from unemployment or underemployment into meaningful work" 👏
A great profile of the brilliant @refuaid - the Syrian medics helped back to work by UK startups | Ammar Kalia theguardian.com/world/2019/j…