By Carbó Santiago, Edward P.M. Gardener, Philip Molyneux

ISBN-10: 1403990514

ISBN-13: 9781403990518

This textual content is anxious with the more and more vital and difficult quarter of economic exclusion, extensively outlined because the lack of ability and/or reluctance of specific societal teams to entry mainstream monetary providers. there's turning out to be facts that deregulation in built monetary sectors improves monetary inclusion for a few societal teams, yet may possibly even as exacerbate it for others. In constructing nations entry to monetary providers is sometimes constrained and as a result offering wider entry to such prone can relief monetary and financial development.

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Another option is seeking other (typically more expensive and risky in the event of default) kinds Financial Exclusion in the UK 41 of borrowing. In many instances, financial exclusion inevitably reinforces the wider consequences of social exclusion. The lack of pension provision is another important area of financial exclusion. Since providing for a pension is increasingly the norm for most people, lack of pension provision further exacerbates the increasing polarisation of access to financial services.

The UK Government’s concern with financial exclusion is comparatively new. Up until recently, there has also been relatively little research on the causes and consequences of financial exclusion in the UK. In the past decade, however, a burgeoning literature has developed. During the term of the present Labour Government, financial exclusion has become recognised as one of the major issues facing disadvantaged communities. Financial exclusion can be seen as part of the wider concept of social exclusion, which may be summarised as: a shorthand term for what can happen when people or areas suffer from a combination of linked problems such as unemployment, poor skills, low incomes, poor housing, high crime environment, bad health, poverty and family breakdown.

On the one hand, it opens up wider access to mainstream financial services; on the other hand, it can itself be a source of problem debt. One of the most prominent sources of financial exclusion indicators in the UK is the New Policy Institutes (NPI) annual studies on Monitoring Poverty and Social Exclusion. The NPI draws on three indicators of financial exclusion derived from extant Government data: • the percentage of households without a bank or building society account; • the percentage of households without household or home contents insurance; • the percentage of households in mortgage arrears for over 12 months.

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Financial Exclusion by Carbó Santiago, Edward P.M. Gardener, Philip Molyneux


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