[1] Financial inclusion: an action plan for 2008-11. HM Treasury, December 2007. http://www.hm-treasury.gov.uk/d/financialinclusion_actionplan061207.pdf

[2] Illegal lending in the UK. Policis and Personal Finance Research Centre. November 2006. http://www.berr.gov.uk/files/file35171.pdf

[3] BERR Over-indebtedness strategy http://www.berr.gov.uk/whatwedo/consumers/consumer-finance/over-indebtedness/index.html

[4] New challenges for third sector and social lending, Policis research for Friends Provident Foundation 2010, pending publication

[5] Carpenter H, 2006, Repeat Jobseekers Allowance Spells, DWP Report 394. http://research.dwp.gov.uk/asd/asd5/rports2005-2006/rrep394.pdf

[6] DWP White Paper: Building Britain’s Recovery: Achieving Full Employment 2009. http://www.dwp.gov.uk/policy/welfare-reform/legislation-and-key-documents/building-britains-recovery/

[7] Rural Money Matters: A support guide to rural financial inclusion, Commission for Rural Communities 2009 www.ruralcommunities.gov.uk/financialinclusion

[8] Financial inclusion in the UK: Review of policy and practice. www.jrf.org.uk/sites/files/jrf/2234.pdf

[9] Competition Commission Report – Home Credit Market Investigation, 2006. http://www.competition-commission.org.uk/rep_pub/reports/2006/fulltext/517.pdf

[10] http://www.providentpersonalcredit.com/loans/cash-loans/

[11] Kempson, E et al (2009) “Is a not-for-profit home credit business feasible?” Joseph Rowntree Foundation http://www.jrf.org.uk/publications/not-for-profit-home-credit

[12] Competition Commission Report – Home Credit Market Investigation, 2006. http://www.competition-commission.org.uk/rep_pub/reports/2006/fulltext/517.pdf

[13] http://www.bis.gov.uk/postofficebanking

[14] Buck, T. (1999) The Social Fund – Law and Practice. London, Sweet and Maxwell

[15] Here and throughout the document the Social Fund data given is Management Information, as no Official/National Statistics are yet available for the Social Fund. It is not quality assured to the same extent as Official/National Statistics and there are some issues with the data, for example, it does not include applications which were processed clerically and had not been entered on to the Social Fund Computer System when the information was derived.

[16] See, for example, The Discretionary Social fund and money management. DWP Research Report No 241

[17] The Discretionary Social Fund and money management www.dwp.gov.uk/asd/asd5/rports2005-2006/rrep241.pdf

[18] National Audit Office (2005) Helping those in financial hardship: the running of the Social Fund p9

[19] Reform of Social Security: Programme for Change. June 1985.

[20] Source: analysis of a scan of Community Care Grant decisions held on the Social Fund Computer System on 30 September 2009. Note: the figure includes applications successful either initially and/or on review and is rounded to the nearest 1,000.

[21] Friends Provident Foundation research report, April 2008: http://www.friendsprovidentfoundation.org/core/core_picker/download.asp?id=15&filetitle=Avoiding+Homelessness+Among+Private+Tenants+(SUMMARY)%3A+Brent+Private+Tenants’+Rights+Group

[22] Survey carried out by Mintel for Sun Life September 2009

[23] New challenges for third sector and social lending, Policis research for Friends Provident Foundation 2010, pending publication