Protecting the Vulnerable

Protecting the Vulnerable PDF

Author: Christopher T. Whelan

Publisher:

Published: 2010

Total Pages:

ISBN-13:

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A frequent refrain during recent debates on welfare cuts has related to the need to "protect the vulnerable". However, it is far from clear that a consensus exists on which individuals or groups are to be included under this heading with consequent lack of clarity for the policy implications of pursuing this goal. In this paper, operating with a conception of social exclusion that incorporates notions of dynamics and multidimensionality, we make use of EU-SILC 2008 data for Ireland to clarify the distinction between income poverty and economic vulnerability. We then proceed to consider the relationship between these outcomes and multiple deprivation, financial pressures and perception of recent and future economic prospects. Our analysis is then extended to compare patterns of risk for poverty and vulnerability in relation to key socio-economic groups. Finally, we will consider the relationship between poverty and vulnerability and scale and form of welfare dependence. Our analysis suggests that the vulnerable but non-poor group may need to be a key focus of attention for any conception of social policy as active rather than passive; as involving social investment rather than social assistance.

Money-Lending and Financial Exclusion

Money-Lending and Financial Exclusion PDF

Author: Noreen Byrne

Publisher:

Published: 2012

Total Pages: 8

ISBN-13:

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This article focuses on money-lending and financial exclusion in Ireland. Borrowing from money-lenders is seen in the academic literature as an indicator of exclusion from more affordable sources of credit. However, Ireland has a widespread credit union movement which provides access to affordable credit. The authors investigated whether this has an impact on the use of money-lending in Ireland. They found that a significant number of people who borrow from moneylenders also borrow from mainstream sources of credit. The borrower and moneylender relationship is complex and is not centred on access alone. The authors explain why new policy is needed which must not only focus on access to financial services but equally on financial education and regulation.

Tackling Financial Exclusion

Tackling Financial Exclusion PDF

Author: Sharon Collard

Publisher:

Published: 2001

Total Pages: 72

ISBN-13:

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There has been mounting concern recently about people who have limited access to financial services and are considered to be financially excluded. This report identifies and examines a range of potential solutions to meet the needs of people living on the margins of financial services. Moreover, it provides practical guidance for other local communities wanting to evolve plans for tackling financial exclusion.Unlike much of the previous research on financial exclusion, this report approaches the problem from the standpoint of people who are affected by financial exclusion themselves, and live in a community where many of their friends and neighbours are also excluded.In particular, the report:examines the difficulties and unmet needs for financial services expressed by local people in Barton Hill, Bristol - one of the 17 Pathfinder areas in the government's New Deal for Communities initiative;documents a range of possible solutions to the needs of those suffering financial exclusion;presents local people's assessments of the best ways to tackle the problems of financial exclusion in their own community.·[vbTab]This report will be of interest to all those involved in community regeneration or access to financial services, including financial service providers, local authorities, voluntary sector organisations, academics and policy makers at both local and national levels.

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