Microfinance and Start-Ups in the EU: UK Country Profile
We produced this research report for the European Microfinance Network (EMN) which maps the start-up ecosystem of the UK and the relationship between microfinance and the non-tech start-up ecosystem in the UK. It includes:
- An overview of government-led support for start-ups in the UK, both financial and non-financial
- An analysis of how UK microfinance institutions (MFIs) assist start-ups, including financial and non-financial support, and what changes MFIs believe are needed to better serve start-ups going forward
- Policy recommendations that would enable more effective delivery of MFI services to more start-ups in the UK
Creating Local Finance Partnerships
This toolkit sets out the steps involved and the factors to consider when setting up a local finance partnership.
Tackling Financial Exclusion Through Local Finance Partnerships - Summary
The executive summary of our research into local finance partnerships and how they can be replicated to tackle financial exclusion in the UK.
Tackling Financial Exclusion Through Local Finance Partnerships
This report examines what makes a successful local finance partnership, and how these can be replicated to tackle financial exclusion across the UK. The report draws on experience from the UK and USA.
Responsible Finance: The industry in 2016
‘Responsible Finance: The industry in 2016’ is our flagship annual report on the responsible finance industry, with updates and figures on business, social enterprise and personal lending. This year, the report is presented both as a downloadable PDF and as an interactive, online infographic in shareable sections.
10 Years of Responsible Finance report
The responsible finance market has experienced a rapid rise over the last ten years, with £1.6bn of loans supporting over 50,000 businesses and social enterprises. Our new report also reveals that over the last 10 years the responsible finance has injected £300 million into SMEs, and helped 200,000 people avoid predatory payday lenders. Without this lifeline, over 100,000 jobs would not exist, and hundreds of thousands of people would have been trapped with huge repayments, totalling £20 million, to high cost lenders.
State of the Non-Profit Finance Function
This report aims to define the non-profit finance function through the lens of both non-profit organisations and their stakeholders, and examines its role within the changing operating and funding landscape.
Responsible Finance: The Industry in 2015
Our annual flagship publication setting out the activity, achievements, challenges and impacts of our members in the responsible finance industry across the UK.
2015 proved a record year for the responsible lending market, with a 45% surge to £251million, in lending to small businesses, social enterprises and local communities. That this created 10,000 new businesses and 25,000 jobs, and ensured over 45,000 people had access to ethical loans as an alternative to high interest payday loans is testament to the remarkable economic impact – not to mention social benefit – our members achieve daily, in every city, region and nation of the UK.
Social Value: A reporting framework for community finance
This brand new tool enables our members to comprehensively, consistently and clearly report on the values of their social impacts and outcomes. By mapping the value of responsible finance to all our stakeholders, we aim to build a strong compelling case for future investment and support.
The CDFI Funding Model
Our report on the funding model for the responsible finance industry; where providers secure funding from, and potential models for sustainable funding in the future.
Inside Community Finance 2014
Our annual flagship publication, setting out the activity, achievements, challenges and impacts of our members (historically known as community development finance institutions) across the UK. It is based on a survey of our members, and provides a rich and fascinating picture of the industry.
Inside Community Finance 2014 demonstrates how our members are playing a significant role in broadening diversity in the financial services industry, and meeting increased demand for alternative finance. In 2014 Responsible Finance providers helped over 50,000 customers with loans of £173m.
An Economic Impact Tool for the Community Finance Industry
Responsible finance is having abroad range of positive impacts on the economy and society. Now, for the first time, we can calculate the value of these impacts. Supported by Citi, this report sets out how a robust evidence base has been used to develop an easy calculator that quantifies the value of responsible finance impacts.
Just Finance: Fair and affordable finance for all
Just Finance is our vision for the future of responsible finance. Access to fair and affordable finance remains a barrier to many. This is a drag on our economy – entrepreneurs are being held back and there is a dearth of community reinvestment.
Responsible finance providers are stepping up to fill the gaps caused by market failure. But to fill the £6bn gap, responsible finance needs more investment. Just Finance maps the actions that are needed to ensure we all have the basic right of access to fair finance.
Inside Community Finance 2013
Our annual flagship publication, setting out the activity, achievements and impacts of our members (historically known as community development finance institutions). In 2013, responsible finance providers lent a total of £123 million to 50,700 customers (52% more customers than in 2012), creating and protecting 17,000 jobs.
Inside Community Finance 2012
Our annual flagship publication profiling the activities and achievements of our members. Inside Community Finance 2012 contains extensive data on sustainability, income streams, lending activity, performance and outcomes, as well as new sections on impacts and case studies. The report highlights the increased demand for member services, and their vast and varied impacts despite a challenging funding environment. In 2012, our members lent £200m to 33,400 customers, creating and protecting 8,300 jobs.
Mind the Finance Gap: Evidencing demand for community finance
Unmet demand for finance amongst individuals and organisations that do not qualify for traditional bank funding has reached more than £6billion. Our research, supported by RBS Group, quantifies, for the first time, the ‘gap’ that responsible finance providers (also known as CDFIs) are trying to fill. The report concludes that this scale of unmet demand cannot be met by traditional bank finance but via a partnership of public, private and social investors – through a viable and sustainable community finance system as an established and embedded feature of the UK’s financial landscape.
Inside Community Finance 2011
Our annual flagship publication profiling the activities and achievements of our members. Inside Community Finance 2011contains streamlined data analysis and detailed policy responses. It reveals that over the year our members made 23,000 loans totalling £190m, and helped customers to leverage £78m in additional finance from high street banks.
Just Finance is the launch of our campaign to bring fair finance to all. It sets out how community finance can offer a solution to local economic development by providing access to credit to more businesses, social enterprises and families across the UK
Inside Out 2010
Our annual flagship publication – with its original title – profiling the activities and achievements of our members. Inside Out 2010 shows that our members made 19,000 loans, totalling £200m, and helped customers to leverage over £100m in additional finance from high street banks.