We work closely with a range of supporters,who have a wealth of experience and expertise in the field of responsible finance:
Stuart Field has been involved in responsible finance since 1992. He has worked for various responsible finance providers in the UK and internationally, managing finance and making loans to social enterprises and small businesses. He currently works as an independent consultant via the social enterprise Alternative Choices. He has carried out member performance assessments for Responsible Finance under Change Matters and CM2 performance frameworks. Recently he has become the only person in the UK with an MA in Social Banking and Social Finance. His dissertation was on financial models for CDFIs in the UK and two of his papers, one comparing government support for banks with that for CDFIs and the other covering regulatory issues for CDFIs, have been published by the Institute for Social Banking. He has contributed to the “Simply Finance” guide to financing co-operatives. Co-operative Enterprise Hub funding may be available for his advice.
Niamh Goggin is a responsible finance and social investment consultant, with experience in civil society, small business, microfinance and personal financial services. She was the first Chair of Responsible Finance (when it was launched as the Community Development Finance Association) and Secretary and Director of the European Microfinance Network. She spent six years managing Charity Bank’s Northern Ireland office, raising £2m in capital, £4m in deposits and establishing an accredited Advanced Diploma course in Social Investment for the Third Sector. She also produced their first social impact report, using Theory of Change as the framework for identifying and collating impact data. She worked on Inside Out, Responsible Finance’s annual survey, from its inception and developed Change Matters, the Responsible Finance performance framework. She developed and delivered many of the sector’s technical training courses. Niamh also managed the first project to identify and map financial exclusion for SEEDA and worked with Experian for the Financial Inclusion Taskforce on their British financial exclusion mapping exercise. She worked with Responsible Finance and ABCUL on a training needs analysis for CDFI’s and credit unions for the Growth Fund.
Niamh’s areas of expertise include strategic and financial planning, evaluation, social impact, organisational performance appraisal and improvement, development of investment readiness and other training programmes and project management.
Over the span of his career in ‘the world of money ‘Roy has worked for a large accountancy practice in Liverpool, a high street bank and in area management with Woolwich Building Society. From 1994 he ran his own successful practice as an IFA before retiring in 2010. He is a qualified member of both the Institute of Financial Services and the Personal Finance Society. In 2010 he was introduced into the world of responsible finance through appointment as compliance consultant to one of the (at that time) very few FSA-regulated Responsible Finance members. His role there came to a natural conclusion earlier this year. Roy is currently working on other related assignments and takes a keen interest in the changing face of regulation and its impact in the responsible finance arena. Areas of expertise include secured lending policy and practice, FCA requirements, compliance monitoring, training and competence, implementing review processes.
Sheffield Money is there for the residents of Sheffield who are unable to access products and services offered by high street banks and building societies, and who therefore currently have no access to credit services, or chose to use high cost alternatives.
Their aim is to improve financial inclusion in Sheffield and enable people to access mainstream banking in the future. They are driven to treat customers fairly and keep money in the local economy, benefiting the residents of Sheffield by offering better interest rates, incentives, and advice, offering support as well as fair and affordable access to finance. Sheffield Money know that a significant proportion of Sheffield Money customers already have significant debt. For these customers they have a step ladder approach back to mainstream which includes a holistic approach to debt.
The Council of Development Finance Agencies is the American national association dedicated to the advancement of development finance concerns and interests. CDFA is comprised of America’s leading and most knowledgeable members of the development finance community representing hundreds of public, private and non-profit development entities.
Members are state, county and municipal development finance agencies and authorities that provide or otherwise support economic development financing programs, including tax-exempt and taxable bonds, credit enhancement programs, and direct debt and equity investments as well as a variety of non-governmental and private organizations ranging from regional and large investment banks to commercial finance companies to bond counsel, bond insurers, trustees, venture capital companies, rating agencies, and other organizations interested in development finance.