{"id":391,"date":"2019-10-31T09:54:53","date_gmt":"2019-10-31T09:54:53","guid":{"rendered":"http:\/\/hub.salford.ac.uk\/cfs\/?page_id=391"},"modified":"2022-11-16T09:05:58","modified_gmt":"2022-11-16T09:05:58","slug":"affordable-credit-microfinance","status":"publish","type":"page","link":"https:\/\/hub.salford.ac.uk\/cfs\/research-themes\/affordable-credit-microfinance\/","title":{"rendered":"Microfinance and Affordable Credit"},"content":{"rendered":"\n<p>We are internationally recognised experts in microfinance in Industrial countries. CFS\u00a0has set up\u00a0a number of\u00a0microcredit providers in the UK, has conducted research for government departments,\u00a0and has advised EU institutions on microfinance policy.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The European Code of Good Conduct for Microcredit Provision (European Commission), 2010-ongoing&nbsp;<\/h2>\n\n\n\n<p>CFS&nbsp;drafted the&nbsp;European Code of Good Conduct for Microcredit Provision for the European Commission in 2011&nbsp;(<a rel=\"noreferrer noopener\" href=\"https:\/\/bit.ly\/2PRJK5N\" target=\"_blank\">https:\/\/bit.ly\/2PRJK5N<\/a>). Subsequently, we&nbsp;developed the evaluation framework for assessing compliance with the&nbsp;Code. We are&nbsp;advising&nbsp;the European Commission on the implementation and governance of the Code&nbsp;and sit on the Steering Group overseeing the Code.&nbsp;Most recently, we have been leading on the update of the Code.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Scaling up the UK personal lending CDFI sector&nbsp;(Carnegie UK), 2017-19&nbsp;<\/h2>\n\n\n\n<p>Carnegie UK Trust commissioned CFS to determine if the affordable credit sector can achieve a step change in growth to make a greater dent in the need and demand for affordable credit. The central aim was to develop proposals for a step change to \u00a3200m of operationally sustainable lending by 2027. The study drew on international case studies, stakeholder interviews and financial analysis of seven of the main personal lending CDFIs.<\/p>\n\n\n\n<div class=\"wp-block-file aligncenter\"><a id=\"wp-block-file--media-e8d3d415-dacc-4ae4-97c0-f4a7c96bd8fa\" href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Carnegie-study-infographic.pdf\">Scaling up UK Personal Lending CDFI Sector Infographic<\/a><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Carnegie-study-infographic.pdf\" class=\"wp-block-file__button\" download aria-describedby=\"wp-block-file--media-e8d3d415-dacc-4ae4-97c0-f4a7c96bd8fa\">Download<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Evaluation of the European Microfinance Network (European Microfinance Network), 2011-17&nbsp;<\/h2>\n\n\n\n<p>CFS&nbsp;was commissioned to conduct an&nbsp;annual evaluation of the European Microfinance Network, the trade body of the microfinance sector in the EU. As part of this evaluation, CFS researchers have advised the Network on governance, management and financial sustainability.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-pb-accordion-item c-accordion__item js-accordion-item no-js\" data-initially-open=\"false\" data-click-to-close=\"true\" data-auto-close=\"true\" data-scroll=\"false\" data-scroll-offset=\"0\"><h2 id=\"at-3910\" class=\"c-accordion__title js-accordion-controller\" role=\"button\">Publications<\/h2><div id=\"ac-3910\" class=\"c-accordion__content\">\n<p><strong>2022<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2022\/09\/COL-research-report-3.pdf\"><em>Impact of the cost-of-living crisis on the UK affordable credit sector.<\/em> Full report<\/a> <\/li><\/ul>\n\n\n\n<p><strong>2021<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2022\/09\/Evaluation-of-JESSICA-Scotland-trust-impact-performance-1.pdf\"><em>Evaluation of JESSICA (Scotland) trust impact &amp; performance.<\/em> Summary report<\/a><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/usir.salford.ac.uk\/id\/eprint\/57915\/\"><em>Social goals versus business necessity: the nature and determinants of innovations in financial inclusion.<\/em> Research paper.<\/a><\/li><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2021\/09\/Fear-and-Loaning-Impact-of-Covid-19-2.pdf\"><em>Fear and Loaning: Impact of Covid-19 on affordable credit providers serving financially vulnerable customers.<\/em> Full report<\/a><\/li><\/ul>\n\n\n\n<p><strong>2020<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2020\/02\/Scaling-up-the-UK-personal-lending-CDFI-sector.pdf\"><em>Scaling up the UK personal lending CDFI sector: from \u00a320m to \u00a3200m in lending by 2027.<\/em> Full report<\/a><\/li><\/ul>\n\n\n\n<p><strong>2019<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Levers-for-Scaling-Up.pdf\"><em>Levers for Scaling up Microfinance &#8211; The Case of the UK.<\/em> Research paper<\/a><\/li><\/ul>\n\n\n\n<p><strong>2017<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/usir.salford.ac.uk\/id\/eprint\/40732\/\"><em>What&#8217;s So Social About Social Return on Investment? A Critique of Quantitative Social Accounting Approaches Drawing on Experiences of International Microfinance.<\/em> Research paper.<\/a><\/li><\/ul>\n\n\n\n<p><strong>2016<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/bit.ly\/2PyjcEV\"><em>Funding Devolution: Lessons from Germany, the US and the Industrial Revolution.<\/em> Article.<\/a><\/li><\/ul>\n\n\n\n<p><strong>2015<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Impact-of-Crowdfunding.pdf\"><em>The Impact of Crowdfunding on European Microfinance.<\/em> Research paper<\/a><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>&nbsp;<em>UK is leading the way in P2P lending.<\/em>&nbsp;Research paper&nbsp;<\/li><\/ul>\n\n\n\n<p><strong>2014<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/The-effectiveness-of-self-regulation-in-microfinance-1.pdf\"><em>The Effectiveness of Self-Regulation in Microfinance &#8211; lessons from Europe.<\/em> Research paper<\/a><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><em>Towards<\/em><em>&nbsp;an architecture of microcredit regulation \u2013 the case of the European Code of Good Conduct.<\/em>&nbsp;Research paper&nbsp;<\/li><\/ul>\n\n\n\n<p><strong>2013<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>&nbsp;<a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Methodology-to-Monitor-the-Implementation-of-the-European-Code-of-Good-Conduct-1.pdf\"><em>Methodology to monitor the implementation of the European Code of Good Conduct for Microcredit Provision &#8211; Evaluator methodology.<\/em> Practitioner paper<\/a><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/European-Code-of-Good-Conduct-for-Microcredit-Provision-Provider-guidelines.-1.pdf\"><em>Methodology to monitor the implementation of the European Code of Good Conduct for Microcredit Provision &#8211; Provider guidelines.<\/em> Practitioner paper<\/a><\/li><\/ul>\n\n\n\n<p><strong>2011<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/EuropeanCodeofGoodConductformicrocreditprovision-1.pdf\"><em>The European Code of Good Conduct for Microcredit Provision.<\/em> Practitioner paper <\/a><\/li><\/ul>\n\n\n\n<p><strong>2010<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>The social impact of UK microfinance.<\/em>\u00a0Summary report<ul><li><em>Measuring the impact of EU microfinance. Lessons from the field.\u00a0<\/em>Research paper<\/li><li>\u00a0\u00a0<a href=\"https:\/\/www.european-microfinance.org\/sites\/default\/files\/document\/file\/EMN%20European%20Microcredit%20Research%20Awards%202010_Finalist%20papers_1.pdf\"><em>Measuring the impact of EU microfinance. Lessons from the field.\u00a0<\/em>Research paper [part of EMN Microcredit Research Awards] <\/a><\/li><\/ul><\/li><li><em>CDFI Literature Review [part of Evaluation of Community Development Finance Institutions (CDFIs)].<\/em>\u00a0Full report\u00a0<\/li><\/ul>\n\n\n\n<p><strong>2009<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>Developing models for delivering insurance through CDFIs \u2013 Opportunities and risks.&nbsp;<\/em>Summary report&nbsp;<ul><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Delivering-Insurance-through-CDFIs-1.pdf\"><em>Developing models for delivering insurance through CDFIs &#8211; Opportunities and risks.<\/em> Full report<\/a><br><em>Developing models for delivering insurance through CDFIs \u2013 Opportunities and risks.&nbsp;<\/em>Appendices&nbsp;<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>&nbsp;<em>Can MFIs in Western Europe be Sustainable?<\/em>&nbsp;Research paper&nbsp;<\/li><li><em>Reflections and Observations on the US CDFI Sector \u2013 A Report on a Study Trip to the US.<\/em>&nbsp;Full report&nbsp;<\/li><\/ul>\n\n\n\n<p><strong>2008<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Lloyds-TSB-Summary-Report.pdf\"><em>Measuring Sustainability &#8211; UK CDFIs.<\/em> Summary report.<\/a><ul><li>&nbsp;<a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Lloyds-TSB-Final-Technical-Report-1.pdf\"><em>Lloyds TSB Operational Sustainability Research Project.<\/em> Final Technical Report<\/a><\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>&nbsp;<a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/Making-European-Microfinance-more-Sustainable-1.pdf\"><em>Making European microfinance more sustainable &#8211; lessons from Britain.<\/em> Research paper<\/a><\/li><\/ul>\n\n\n\n<p><strong>2004<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"http:\/\/hub.salford.ac.uk\/cfs\/wp-content\/uploads\/sites\/107\/2019\/12\/community_finance_initiatives-1.pdf\"><em>Community Finance Initiatives: A Policy Success Story.<\/em> Research paper<\/a><\/li><\/ul>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>We are internationally recognised experts in microfinance in Industrial countries. CFS\u00a0has set up\u00a0a number of\u00a0microcredit providers in the UK, has conducted research for government departments,\u00a0and has advised EU institutions on microfinance policy.\u00a0 The European Code of Good Conduct for Microcredit Provision (European Commission), 2010-ongoing&nbsp; CFS&nbsp;drafted the&nbsp;European Code of Good Conduct for Microcredit Provision for the [&hellip;]<\/p>\n","protected":false},"author":176,"featured_media":815,"parent":457,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-391","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Microfinance and Affordable Credit - Community Finance Solutions<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hub.salford.ac.uk\/cfs\/research-themes\/affordable-credit-microfinance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Microfinance and Affordable Credit - Community Finance Solutions\" \/>\n<meta property=\"og:description\" content=\"We are internationally recognised experts in microfinance in Industrial countries. 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