{"id":200,"date":"2020-07-17T13:17:55","date_gmt":"2020-07-17T13:17:55","guid":{"rendered":"https:\/\/conferences.euram.academy\/sparks\/?p=200"},"modified":"2020-07-17T13:49:22","modified_gmt":"2020-07-17T13:49:22","slug":"how-a-local-government-funded-loan-scheme-in-south-london-helped-to-prevent-homelessness-and-social-exclusion-and-mitigate-the-effects-of-austerity","status":"publish","type":"post","link":"https:\/\/conferences.euram.academy\/sparks\/how-a-local-government-funded-loan-scheme-in-south-london-helped-to-prevent-homelessness-and-social-exclusion-and-mitigate-the-effects-of-austerity\/","title":{"rendered":"How a local government-funded loan scheme in south London helped to prevent homelessness and social exclusion, and mitigate the effects of austerity"},"content":{"rendered":"<div id='sub_menu1'  class='av-submenu-container av-2kqis-c5875fb11d89e5b4ef5190097a91ac11 footer_color  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  container_wrap fullsize' style='z-index:301' ><div class='container av-menu-mobile-disabled av-submenu-pos-center'><ul id=\"menu-sigs\" class=\"av-subnav-menu\" role=\"menu\"><li role=\"menuitem\" id=\"menu-item-96\" class=\"menu-item menu-item-type-post_type menu-item-object-page av-menu-button av-menu-button-colored menu-item-top-level menu-item-top-level-1\"><a href=\"https:\/\/conferences.euram.academy\/sparks\/sig01-business-for-society\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Business for Society<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-75\" class=\"menu-item menu-item-type-post_type menu-item-object-page av-menu-button av-menu-button-colored menu-item-top-level menu-item-top-level-2\"><a href=\"https:\/\/conferences.euram.academy\/sparks\/sig02-corporate-governance\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Corporate Governance<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-197\" class=\"menu-item menu-item-type-post_type menu-item-object-page av-menu-button av-menu-button-colored menu-item-top-level menu-item-top-level-3\"><a href=\"https:\/\/conferences.euram.academy\/sparks\/sig-03-entrepreneurship\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Entrepreneurship<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-98\" class=\"menu-item menu-item-type-custom menu-item-object-custom av-menu-button av-menu-button-bordered menu-item-top-level menu-item-top-level-4\"><a href=\"#\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Family Business Research<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-99\" class=\"menu-item menu-item-type-custom menu-item-object-custom av-menu-button av-menu-button-bordered menu-item-top-level menu-item-top-level-5\"><a href=\"#\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Gender, Race, and Diversity in Organisations<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-193\" class=\"menu-item menu-item-type-post_type menu-item-object-page av-menu-button av-menu-button-colored menu-item-top-level menu-item-top-level-6\"><a href=\"https:\/\/conferences.euram.academy\/sparks\/sig-06-innovation\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Innovation<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-101\" class=\"menu-item menu-item-type-custom menu-item-object-custom av-menu-button av-menu-button-bordered menu-item-top-level menu-item-top-level-7\"><a href=\"#\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">International Management<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-102\" class=\"menu-item menu-item-type-custom menu-item-object-custom av-menu-button av-menu-button-bordered menu-item-top-level menu-item-top-level-8\"><a href=\"#\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Managing Sport<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-103\" class=\"menu-item menu-item-type-custom menu-item-object-custom av-menu-button av-menu-button-bordered menu-item-top-level menu-item-top-level-9\"><a href=\"#\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Organisational Behaviour<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-104\" class=\"menu-item menu-item-type-custom menu-item-object-custom av-menu-button av-menu-button-bordered menu-item-top-level menu-item-top-level-10\"><a href=\"#\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Project Organising<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-217\" class=\"menu-item menu-item-type-post_type menu-item-object-page av-menu-button av-menu-button-colored menu-item-top-level menu-item-top-level-11\"><a href=\"https:\/\/conferences.euram.academy\/sparks\/sig-11-public-and-non-profit-management\/\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Public and Non-Profit Management<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-106\" class=\"menu-item menu-item-type-custom menu-item-object-custom av-menu-button av-menu-button-bordered menu-item-top-level menu-item-top-level-12\"><a href=\"#\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Research Methods and Research Practice<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<li role=\"menuitem\" id=\"menu-item-107\" class=\"menu-item menu-item-type-custom menu-item-object-custom av-menu-button av-menu-button-bordered menu-item-top-level menu-item-top-level-13\"><a href=\"#\" itemprop=\"url\" tabindex=\"0\"><span class=\"avia-bullet\"><\/span><span class=\"avia-menu-text\">Strategic Management<\/span><span class=\"avia-menu-fx\"><span class=\"avia-arrow-wrap\"><span class=\"avia-arrow\"><\/span><\/span><\/span><\/a><\/li>\n<\/ul><\/div><\/div><div id='after_submenu_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-200'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2u5kc-f53fbd92b8004e947e103429e7215e2e\">\n.flex_column.av-2u5kc-f53fbd92b8004e947e103429e7215e2e{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-2u5kc-f53fbd92b8004e947e103429e7215e2e av_one_full  avia-builder-el-1  el_after_av_submenu  el_before_av_hr  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kcoz995o-99c7bf8b05c3de85a2db297f58778433\">\n#top .av-special-heading.av-kcoz995o-99c7bf8b05c3de85a2db297f58778433{\npadding-bottom:30px;\n}\nbody .av-special-heading.av-kcoz995o-99c7bf8b05c3de85a2db297f58778433 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-kcoz995o-99c7bf8b05c3de85a2db297f58778433 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-kcoz995o-99c7bf8b05c3de85a2db297f58778433 av-special-heading-h2 blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >How a local government-funded loan scheme in south London helped to prevent homelessness and social exclusion, and mitigate the effects of austerity<\/h2><div class='av-subheading av-subheading_below'><p>S003 2020<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2yt4-49319b8a518c6b8ea2c646a9b99002ca\">\n#top .hr.hr-invisible.av-2yt4-49319b8a518c6b8ea2c646a9b99002ca{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-2yt4-49319b8a518c6b8ea2c646a9b99002ca hr-invisible  avia-builder-el-3  el_after_av_one_full  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-kaaw84kf-a11eea8b0976cd9664321df796a76236 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><div class='w3eden'><!-- WPDM Link Template: Default Template -->\n\n<div class=\"link-template-default card mb-2\">\n    <div class=\"card-body\">\n        <div class=\"media\">\n            <div class=\"mr-3 img-48\"><img decoding=\"async\" class=\"wpdm_icon\" alt=\"Icon\" src=\"https:\/\/conferences.euram.academy\/sparks\/wp-content\/plugins\/download-manager\/assets\/file-type-icons\/pdf.svg\" \/><\/div>\n            <div class=\"media-body\">\n                <h3 class=\"package-title\"><a href='https:\/\/conferences.euram.academy\/sparks\/download\/003_2020-how-a-local-government-funded-loan-scheme-in-south-london-helped-to-prevent-homelessness-and-social-exclusion-and-mitigate-the-effects-of-austerity\/'>003_2020 How a local government-funded loan scheme in south London helped to prevent homelessness and social exclusion, and mitigate the effects of austerity<\/a><\/h3>\n                <div class=\"text-muted text-small\"><i class=\"fas fa-copy\"><\/i> 1 file(s) <i class=\"fas fa-hdd ml-3\"><\/i> 188.09 KB<\/div>\n            <\/div>\n            <div class=\"ml-3\">\n                <a class='wpdm-download-link download-on-click btn btn-primary ' rel='nofollow' href='#' data-downloadurl=\"https:\/\/conferences.euram.academy\/sparks\/download\/003_2020-how-a-local-government-funded-loan-scheme-in-south-london-helped-to-prevent-homelessness-and-social-exclusion-and-mitigate-the-effects-of-austerity\/?wpdmdl=218&refresh=6a3bdaf3b31941782307571\">Download<\/a>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<\/div>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2yt4-49319b8a518c6b8ea2c646a9b99002ca\">\n#top .hr.hr-invisible.av-2yt4-49319b8a518c6b8ea2c646a9b99002ca{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-2yt4-49319b8a518c6b8ea2c646a9b99002ca hr-invisible  avia-builder-el-5  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ka9o46pw-adf74fb05657e48fbf6c065e259915d2 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: justify;\"><strong>The problem<\/strong><\/p>\n<p style=\"text-align: justify;\">Processes of social exclusion act upon each other. For example, if you don\u2019t have access to secure housing, you will find it much harder to access a range of financial services. In Britain, the 2007\/08 financial crisis led to changes in legislation and budgetary constraints that increased tenants\u2019 risk of eviction if they fell behind with their rent. In this research, we considered whether an initial \u00a385,000 grant, made in 2010, from Lewisham local government to Lewisham-Plus Credit Union (LPCU) to fund immediate homeless prevention loans to members, helped to prevent social exclusion. These members were tenants at risk of eviction, who did not previously have a bank account.<\/p>\n<p style=\"text-align: justify;\"><div id=\"links-link-200\" class=\"sh-link links-link sh-hide\"><a href=\"#\" onclick=\"showhide_toggle('links', 200, 'Read More', 'Read Less '); return false;\" aria-expanded=\"false\"><span id=\"links-toggle-200\">Read More<\/span><\/a><\/div><div id=\"links-content-200\" class=\"sh-content links-content sh-hide\" style=\"display: none;\"><\/p>\n<p style=\"text-align: justify;\"><strong>\u00a0<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Our results<\/strong><\/p>\n<p style=\"text-align: justify;\">The homeless prevention loans scheme is managed by LPCU. LPCU is a community savings and loan provider catering for people living or working in the south London boroughs of Lewisham and Bromley, as well as tenants of housing association partners in receipt of loans. Lewisham is in the top 20 per cent of most deprived local government authorities in England. In the recent past, Lewisham has been 12th in the UK for the number of homeless people, with more than two per cent of its population living either in temporary accommodation or sleeping rough. In 2010, around the start of central government\u2019s austerity programme, Lewisham Council provided an initial grant of \u00a385,000 for LPCU to provide interest-free loans to Lewisham tenants to clear rent arrears, and to prevent eviction and homelessness. The applicants did not need to have prior savings with LPCU. LPCU opened the credit union accounts through which the applicants repaid the loans.<\/p>\n<p style=\"text-align: justify;\">A number of tenants agreed that the repayment instalments would include a savings component. This meant that the loan recipients had a savings account opened for them. Tenants were able to access money paid into this account at the end of the loan repayment period. LPCU received an administrative fee for each homeless prevention loan. The scheme proved highly successful with all 411 loan recipients being saved from eviction. In addition, although the default rate is higher than that arising from LPCU\u2019s loans to other members, the majority of recipients (85%) repaid their loans. The repayments provided the funds to extend the loans to others at risk of eviction. The scheme was extended to the neighbouring borough of Bromley. The number of people helped by the combined scheme up until June 2020 is shown in table 1 below.<\/p>\n<p style=\"text-align: justify;\">Our research findings show that the scheme:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Saved more than 400 families from eviction and homelessness<\/li>\n<li style=\"text-align: justify;\">Resulted in more than \u00a3800,000 being paid directly to social and private landlords\u2019 accounts to repay rent arrears<\/li>\n<li style=\"text-align: justify;\">Created a virtuous cycle of multiplier effects so that repayments by one set of homeless prevention loan recipients were used to provide loans to other people at risk of homelessness on an ongoing basis<\/li>\n<li style=\"text-align: justify;\">Helped to develop good financial management practices among many who are most vulnerable to poverty<\/li>\n<li style=\"text-align: justify;\">Overcame the financial exclusion of many of the tenants by providing access to a savings account and loan facilities<\/li>\n<li style=\"text-align: justify;\">Increased membership numbers for the credit union<\/li>\n<li style=\"text-align: justify;\">Facilitated savings of more than \u00a31million that the local government authority would have otherwise spent on providing advice, accommodation and other services to evicted families<\/li>\n<li style=\"text-align: justify;\">Provided an exemplary model for international bodies, central governments, local government authorities, other credit unions and all of those concerned with preventing homelessness and financial exclusion among the most vulnerable members of society.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><strong>Our research methods<\/strong><\/p>\n<p style=\"text-align: justify;\">The authors are a professor of accounting with an interest in credit unions and the services manager responsible for administration of the homeless prevention loans scheme at LPCU. The methodology was to build up a case study drawing on evidence from LPCU\u2019s internal documents, observations and interviews, and informal discussions between the academic author and employees and directors of LPCU. The case study also draws on the practitioner author\u2019s knowledge of homeless prevention loans. The authors analysed evidence using tabulated data about the loans prepared by the practitioner author. The authors identified patterns within the tables, and explored what they suggest for housing and financial inclusion. They also investigated other evidence to support these interpretations.<\/p>\n<p style=\"text-align: justify;\"><strong>Limitations of our study<\/strong><\/p>\n<p style=\"text-align: justify;\">Credit unions are ethical organisations where the mutual ownership is shared among members. The scheme reported may not be transferred easily to commercial banks organised on different principles. LPCU already had good relationships with social landlords and the local government authority that provided the grant to support the scheme. LPCU had a balanced portfolio of members with different levels of savings, so staff existed to manage the homeless prevention loan scheme. These conditions contributed to the success of the scheme and their existence (or not) elsewhere will affect whether the scheme can be transferred to other contexts.<\/p>\n<p><strong>Table 1: Number of homeless prevention loans (2010 to 2020)<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-201\" src=\"https:\/\/conferences.euram.academy\/sparks\/wp-content\/uploads\/sites\/6\/2020\/07\/tab1-spark-03-2020.jpg\" alt=\"\" width=\"801\" height=\"238\" srcset=\"https:\/\/conferences.euram.academy\/sparks\/wp-content\/uploads\/sites\/6\/2020\/07\/tab1-spark-03-2020.jpg 801w, https:\/\/conferences.euram.academy\/sparks\/wp-content\/uploads\/sites\/6\/2020\/07\/tab1-spark-03-2020-300x89.jpg 300w, https:\/\/conferences.euram.academy\/sparks\/wp-content\/uploads\/sites\/6\/2020\/07\/tab1-spark-03-2020-768x228.jpg 768w, https:\/\/conferences.euram.academy\/sparks\/wp-content\/uploads\/sites\/6\/2020\/07\/tab1-spark-03-2020-705x209.jpg 705w\" sizes=\"auto, (max-width: 801px) 100vw, 801px\" \/><\/p>\n<p><\/div><\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2\">\n#top .hr.hr-invisible.av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2 hr-invisible  avia-builder-el-7  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ka9mbry4-78ba42ffc732efbaf101229ac35b0daf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h4>Authors<\/h4>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4wyp4-fbf7983189376720c1faca6158eec927\">\n.flex_column.av-4wyp4-fbf7983189376720c1faca6158eec927{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-4wyp4-fbf7983189376720c1faca6158eec927 av_one_fourth  avia-builder-el-9  el_after_av_textblock  el_before_av_one_fourth  first flex_column_div av-zero-column-padding  column-top-margin'     ><section  class='avia-team-member av-ka9mf3q5-c83f189277cc7af819fc395d05096c3d  avia-builder-el-10  avia-builder-el-no-sibling '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><div class=\"team-img-container\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-202 avia-img-lazy-loading-not-202 avia_image avia_image_team av-team-img-original' src=\"https:\/\/conferences.euram.academy\/sparks\/wp-content\/uploads\/sites\/6\/2020\/07\/Liam-Carlisle-.jpg\" alt='Liam Carlisle '  itemprop=\"image\"   height=\"270\" width=\"210\" \/><\/div><h3 class='team-member-name '  itemprop=\"name\" >Liam Carlisle <\/h3><div class='team-member-description '  itemprop=\"description\" ><p>Liam Carlisle is Deputy Manager of Lewisham Plus Credit Union (LPCU), UK, with responsibility for relationships with its partners including Councils, Colleges, Churches, the Department of Work and Pensions, Schools and Social Landlords. He has direct responsibility for the scheme reported in this article.<\/p>\n<\/div><span class='hidden team-member-affiliation'  itemprop=\"affiliation\" >EURAM Sparks<\/span><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3od54-eea5f7bc8c95af367c96a03411a65895\">\n.flex_column.av-3od54-eea5f7bc8c95af367c96a03411a65895{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-3od54-eea5f7bc8c95af367c96a03411a65895 av_one_fourth  avia-builder-el-11  el_after_av_one_fourth  el_before_av_hr  flex_column_div av-zero-column-padding  column-top-margin'     ><section  class='avia-team-member av-ka9mf3q5-0b8eb85ab0487bbf8a44c91d0ed1a292  avia-builder-el-12  avia-builder-el-no-sibling '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><div class=\"team-img-container\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-203 avia-img-lazy-loading-not-203 avia_image avia_image_team av-team-img-original' src=\"https:\/\/conferences.euram.academy\/sparks\/wp-content\/uploads\/sites\/6\/2020\/07\/Bill-Lee.jpg\" alt='Bill Lee'  itemprop=\"image\"   height=\"270\" width=\"210\" \/><div class=\"team-social\"><div class=\"team-social-inner\"><span class='hidden av_member_url_markup '  itemprop=\"email\" >mailto:w.j.lee@sheffield.ac.uk<\/span><a href='mailto:w.j.lee@sheffield.ac.uk' class='avia-team-icon av-buibk-d60cfe369da754c54815ef708f03e08c avia-iconfont avia-font-entypo-fontello' rel='v:url'  target='_blank' data-av_icon='\ue805' data-av_iconfont='entypo-fontello' ><\/a><\/div><\/div><\/div><h3 class='team-member-name '  itemprop=\"name\" >Bill Lee<\/h3><div class='team-member-description '  itemprop=\"description\" ><p>Bill Lee is a full professor of accounting in the Management School at the University of Sheffield, UK. His research aims to make interventions that protect rights and promote equality. He is an editor of the European Management Review. He has published extensively in academic journals including: Accounting Forum; British Accounting Review; Critical Perspectives on Accounting; International Journal of Management Reviews; Management Accounting Research; Organization Studies; Omega; and Work, Employment &amp; Society.<\/p>\n<\/div><span class='hidden team-member-affiliation'  itemprop=\"affiliation\" >EURAM Sparks<\/span><\/section><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2\">\n#top .hr.hr-invisible.av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2 hr-invisible  avia-builder-el-13  el_after_av_one_fourth  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ka9mbry4-78ba42ffc732efbaf101229ac35b0daf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h4>Keywords<\/h4>\n<p>Credit unions, Social housing, Local government, Financial inclusion, Social inclusion<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2\">\n#top .hr.hr-invisible.av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2 hr-invisible  avia-builder-el-15  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ka9mbry4-78ba42ffc732efbaf101229ac35b0daf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h4>Target Audience<\/h4>\n<p>General management in credit unions, social housing providers and local government.<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2\">\n#top .hr.hr-invisible.av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2 hr-invisible  avia-builder-el-17  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ka9mbry4-78ba42ffc732efbaf101229ac35b0daf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h4><strong>Industries Researched<\/strong><\/h4>\n<p>Credit unions, Local government, Social housing providers<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2\">\n#top .hr.hr-invisible.av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2 hr-invisible  avia-builder-el-19  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ka9mbry4-78ba42ffc732efbaf101229ac35b0daf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h4>Links<\/h4>\n<p><a href=\"https:\/\/www.tandfonline.com\/doi\/abs\/10.1080\/09540962.2019.1621050?journalCode=rpmm20\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.tandfonline.com\/doi\/abs\/10.1080\/09540962.2019.1621050?journalCode=rpmm20<\/a><\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2\">\n#top .hr.hr-invisible.av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2 hr-invisible  avia-builder-el-21  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ka9mbry4-78ba42ffc732efbaf101229ac35b0daf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h4><a href=\"http:\/\/amz.xcdsystem.com\/15B4DBD5-FFD1-D393-0F4517B218EA66B2_abstract_File12230\/3_Fulldocumentupload_0704034343.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff0000;\">Full document download<\/span><\/a><\/h4>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2\">\n#top .hr.hr-invisible.av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2 hr-invisible  avia-builder-el-23  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-ka9mbry4-78ba42ffc732efbaf101229ac35b0daf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h4><strong>First Publication<\/strong><\/h4>\n<p>2020<\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2\">\n#top .hr.hr-invisible.av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-ka9mmb9y-c68fc0001e2708f64b14aa7fa7f48ed2 hr-invisible  avia-builder-el-25  el_after_av_textblock  el_before_av_social_share '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='av-social-sharing-box av-p10s-30bc66efbd55c2436bcff134bb76a9ae av-social-sharing-box-default  avia-builder-el-26  el_after_av_hr  avia-builder-el-last  av-social-sharing-box-fullwidth'><div class=\"av-share-box\"><h5 class='av-share-link-description av-no-toc '>Share this entry<\/h5><ul class=\"av-share-box-list noLightbox\"><li class='av-share-link av-social-link-facebook avia_social_iconfont' ><a target=\"_blank\" aria-label=\"Share on Facebook\" href='https:\/\/www.facebook.com\/sharer.php?u=https:\/\/conferences.euram.academy\/sparks\/how-a-local-government-funded-loan-scheme-in-south-london-helped-to-prevent-homelessness-and-social-exclusion-and-mitigate-the-effects-of-austerity\/&#038;t=How%20a%20local%20government-funded%20loan%20scheme%20in%20south%20London%20helped%20to%20prevent%20homelessness%20and%20social%20exclusion%2C%20and%20mitigate%20the%20effects%20of%20austerity' data-av_icon='\ue8f3' data-av_iconfont='entypo-fontello'  title='' data-avia-related-tooltip='Share on Facebook'><span class='avia_hidden_link_text'>Share on Facebook<\/span><\/a><\/li><li class='av-share-link av-social-link-twitter avia_social_iconfont' ><a target=\"_blank\" aria-label=\"Share on X\" href='https:\/\/twitter.com\/share?text=How%20a%20local%20government-funded%20loan%20scheme%20in%20south%20London%20helped%20to%20prevent%20homelessness%20and%20social%20exclusion%2C%20and%20mitigate%20the%20effects%20of%20austerity&#038;url=https:\/\/conferences.euram.academy\/sparks\/?p=200' data-av_icon='\ue932' data-av_iconfont='entypo-fontello'  title='' data-avia-related-tooltip='Share on X'><span class='avia_hidden_link_text'>Share on X<\/span><\/a><\/li><li class='av-share-link av-social-link-whatsapp avia_social_iconfont' ><a target=\"_blank\" aria-label=\"Share on WhatsApp\" href='https:\/\/api.whatsapp.com\/send?text=https:\/\/conferences.euram.academy\/sparks\/how-a-local-government-funded-loan-scheme-in-south-london-helped-to-prevent-homelessness-and-social-exclusion-and-mitigate-the-effects-of-austerity\/' data-av_icon='\uf232' data-av_iconfont='entypo-fontello'  title='' data-avia-related-tooltip='Share on WhatsApp'><span class='avia_hidden_link_text'>Share on WhatsApp<\/span><\/a><\/li><li class='av-share-link av-social-link-linkedin avia_social_iconfont' ><a target=\"_blank\" aria-label=\"Share on LinkedIn\" href='https:\/\/linkedin.com\/shareArticle?mini=true&#038;title=How%20a%20local%20government-funded%20loan%20scheme%20in%20south%20London%20helped%20to%20prevent%20homelessness%20and%20social%20exclusion%2C%20and%20mitigate%20the%20effects%20of%20austerity&#038;url=https:\/\/conferences.euram.academy\/sparks\/how-a-local-government-funded-loan-scheme-in-south-london-helped-to-prevent-homelessness-and-social-exclusion-and-mitigate-the-effects-of-austerity\/' data-av_icon='\ue8fc' data-av_iconfont='entypo-fontello'  title='' data-avia-related-tooltip='Share on LinkedIn'><span class='avia_hidden_link_text'>Share on LinkedIn<\/span><\/a><\/li><li class='av-share-link av-social-link-mail avia_social_iconfont' ><a  aria-label=\"Share by Mail\" href='mailto:?subject=How%20a%20local%20government-funded%20loan%20scheme%20in%20south%20London%20helped%20to%20prevent%20homelessness%20and%20social%20exclusion%2C%20and%20mitigate%20the%20effects%20of%20austerity&#038;body=https:\/\/conferences.euram.academy\/sparks\/how-a-local-government-funded-loan-scheme-in-south-london-helped-to-prevent-homelessness-and-social-exclusion-and-mitigate-the-effects-of-austerity\/' data-av_icon='\ue805' data-av_iconfont='entypo-fontello'  title='' data-avia-related-tooltip='Share by Mail'><span class='avia_hidden_link_text'>Share by Mail<\/span><\/a><\/li><\/ul><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":205,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,22],"tags":[27,24,25,26,23],"class_list":["post-200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sig-01-business-for-society","category-sig-11-public-and-non-profit-management","tag-credit-unions","tag-financial-inclusion","tag-local-government","tag-social-housing","tag-social-inclusion"],"_links":{"self":[{"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/posts\/200","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/comments?post=200"}],"version-history":[{"count":4,"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/posts\/200\/revisions"}],"predecessor-version":[{"id":222,"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/posts\/200\/revisions\/222"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/media\/205"}],"wp:attachment":[{"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/media?parent=200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/categories?post=200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/conferences.euram.academy\/sparks\/wp-json\/wp\/v2\/tags?post=200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}