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Working Class Credit and Community since 1918

Author: A. Taylor

Publisher: Springer

Published: 2002-11-26

Total Pages: 229

ISBN-13: 0230595553

This book explores the forms of credit which have historically been associated with the British working class. Taylor seeks to assess the effect of credit on working class communities, and relates this to the debate about community. This work is the first comprehensive examination of the history of these forms of credit to make comparisons between the periods before and after 1945. Based on extensive archival research and oral history interviews, this book combines lively individual accounts with theoretical arguments.

Credit and Community

Author: Sean O'Connell

Publisher: OUP Oxford

Published: 2009-01-22

Total Pages: 320

ISBN-13: 0191555738

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Credit and Community examines the history of consumer credit and debt in working class communities. Concentrating on forms of credit that were traditionally very dependent on personal relationships and social networks, such as mail-order catalogues and co-operatives, it demonstrates how community-based arrangements declined as more impersonal forms of borrowing emerged during the twentieth century. Tallymen and check traders moved into doorstep moneylending during the 1960s, but in subsequent decades the loss of their best working class customers, owing to increased spending power and the emergence of a broader range of credit alternatives, forced them to focus on the 'financially excluded'. This 'sub-prime' market was open for exploitation by unlicensed lenders, and Sean O'Connell offers the first detailed historical investigation of illegal moneylending in the UK, encompassing the 'she usurers' of Edwardian Liverpool and the violent loan sharks of Blair's Britain. O'Connell contrasts such commercial forms of credit with formal and informal co-operative alternatives, such as 'diddlum clubs', 'partners', and mutuality clubs. He provides the first history of the UK credit unions, revealing the importance of Irish and Caribbean immigrant volunteers, and explains the relative failure of the movement compared with Ireland. Drawing on a wide range of neglected sources, including the archives of consumer credit companies, the records of the co-operative and credit union movements, and government papers, Credit and Community makes a strong contribution to historical understandings of credit and debt. Oral history testimony from both sides of the credit divide is used to telling effect, offering key insights into the complex nature of the relationship between borrowers and lenders.

Retail and Community

Author: George Campbell Gosling

Publisher: Policy Press

Published: 2024-06-28

Total Pages: 252

ISBN-13: 1529235243

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Available open access digitally under CC-BY-NC-ND licence. This interdisciplinary volume explores how English commercial, co-operative and charity retailing were shaped by and in turn influenced their social and political environments, from the local and the global, between the late-nineteenth and early twenty-first centuries.

Cultures of Selling

Author: Laura Ugolini

Publisher: Routledge

Published: 2018-12-07

Total Pages: 331

ISBN-13: 1351946692

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The study of consumption and its relationship to cultural and social values has become a vibrant and important field in recent years. Hitherto however, relatively few detailed and full length works on this topic have been published. In what will become a seminal volume, this book examines retail selling in various historical contexts and locations, as both an activity at once 'mundane' and almost universal. The book introduces the reader to the existing literature relevant to the subject; and explores the widespread perceptions of moral ambiguity surrounding the practice of selling consumer goods - ranging from concerns about the adulteration of goods, to fears about sharp practice on the part of retailers - and places such concerns in the context of wider societal values and ideas. The ambivalence towards retail selling and sellers is also a central focus of the collection, focussing on the attempts by retailers to develop selling techniques and successful practices of salesmanship, and at the same time establish widely-shared understandings of 'good' retailing. The book also delves into the more dubious practices of retail selling, including practices on the margin of legality, the issue of credit and changing attitudes towards debt. Uniquely the book examines how sales techniques relate to the wider context of a whole shopping 'experience' or shopping environment. Taken as a whole, this volume will provide a first port of call for students, researchers and others interested in exploring consumer cultures, and the cultural norms and practices involved in the sale of consumer goods in various historical periods and geographical contexts.

The Politics of Consumer Credit in the UK, 1938-1992

Author: Stuart Aveyard

Publisher: Oxford University Press

Published: 2018-08-30

Total Pages: 224

ISBN-13: 0191046108

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As early as the 1930s, Britain had a highly innovative and profitable mortgage sector that promoted a major extension in home ownership. These controversial and risky offerings had an equivalent in numerous hire purchase agreements, with which new homes were furnished. Such developments were forerunners of the 'easy credit' regime more commonly associated with the 1980s. Taking a long-term perspective on this issue indicates that Britain's departure from European models of consumer credit markets was not simply a by-product of neoliberalism's influence on the Thatcher administration, and this book offers a much fuller explanation to the phenomenon. It explores debates within and between the major political parties; reveals the infighting amongst civil service departments over management of consumer demand; charts the varying degrees of influence wielded by the Bank of England and finance capital, as opposed to that of consumer durable manufacturers; reviews the perspectives of consumers and their representatives; and explains the role of contingency and path dependency in these historical events. The central focus of this book is on consumer credit, but this subject provides a case study through which to explore numerous other important areas of British history. These include debates on the issues of post-war consensus, the impact of rising home ownership and its impact on consumer credit and personal finance markets, the management of consumer society, political responses to affluence, the development of consumer protection policy, and the influence of neoliberalism.

The working class in mid-twentieth-century England

Author: Ben Jones

Publisher: Manchester University Press

Published: 2018-09-30

Total Pages: 281

ISBN-13: 1526130300

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This book maps how working class life was transformed in England in the middle years of the twentieth century. National trends in employment, welfare and living standards are illuminated via a focus on Brighton, providing valuable new perspectives of class and community formation. Based on fresh archival research, life histories and contemporary social surveys, the book historicises important cultural and community studies which moulded popular perceptions of class and social change in the post-war period. It shows how council housing, slum clearance and demographic trends impacted on working-class families and communities. While suburbanisation transformed home life, leisure and patterns of association, there were important continuities in terms of material poverty, social networks and cultural practices. This book will be essential reading for academics and students researching modern and contemporary social and cultural history, sociology, cultural studies and human geography.

The Development of Consumer Credit in Global Perspective

Author: J. Logemann

Publisher: Springer

Published: 2012-07-16

Total Pages: 295

ISBN-13: 113706207X

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This volume brings together historians, economists, political scientists, and anthropologists to present a global perspective on the new forms of lending and borrowing that have become a key feature of twentieth-century mass consumer societies, emphasizing comparative and transnational historical perspectives.

Black Market Britain

Author: Mark Roodhouse

Publisher: OUP Oxford

Published: 2013-03-21

Total Pages: 289

ISBN-13: 0191636886

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Britain's underground economy flourished during the 1940s and early 1950s thanks to rationing and price control, producers, traders, and professional criminals helped consumers to get a little extra on the side, from under the counter, or off the back of a lorry. Yet widespread evasion of regulations designed to ensure fair shares for all did not undermine the austerity policies that characterised these years and its vital role in securing compliance with economic regulation. In Black Market Britain, Mark Roodhouse argues that Britons showed self-restraint in their illegal dealings. The means, motives, and opportunities for evasion were not lacking. The shortages were real, regulations were not watertight, and enforcement was haphazard. Fairness, not patriotism and respect for the law, is the key to understanding this self-restraint. By invoking popular notions of a fair price, a fair profit, and a fair share, government rhetoric limited black marketeering as would-be evaders had to justify their offences both to themselves and others. Black Market Britain underlines the importance of fairness to those seeking a richer understanding of economic life in modern Britain.

Student Consumer Culture in Nineteenth-Century Oxford

Author: Sabine Chaouche

Publisher: Springer Nature

Published: 2020-09-01

Total Pages: 324

ISBN-13: 3030463877

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This book explores students’ consumer practices and material desires in nineteenth-century Oxford. Consumerism surged among undergraduates in the 1830s and decreased by contrast from the 1860s as students learned to practice restraint and make wiser choices, putting a brake on past excessive consumption habits. This study concentrates on the minority of debtors, the daily lives of undergraduates, and their social and economic environment. It scrutinises the variety of goods that were on offer, paying special attention to their social and symbolic uses and meanings. Through emulation and self-display, undergraduate culture impacted the formation of male identities and spending habits. Using Oxford students as a case study, this book opens new pathways in the history of consumption and capitalism, revealing how youth consumer culture intertwined with the rise of competition among tradesmen and university reforms in the 1850s and 1860s.

The Routledge Companion to Banking Regulation and Reform

Author: Ismail Ertürk

Publisher: Taylor & Francis

Published: 2016-10-04

Total Pages: 436

ISBN-13: 1135007152

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The Routledge Companion to Banking Regulation and Reform provides a prestigious cutting edge international reference work offering students, researchers and policy makers a comprehensive guide to the paradigm shift in banking studies since the historic financial crisis in 2007. The transformation in banking over the last two decades has not been authoritatively and critically analysed by the mainstream academic literature. This unique collection brings together a multi-disciplinary group of leading authorities in the field to analyse and investigate post-crisis regulation and reform. Representing the wide spectrum of non-mainstream economics and finance, topics range widely from financial innovation to misconduct in banking, varieties of Eurozone banking to reforming dysfunctional global banking as well as topical issues such as off-shore financial centres, Libor fixing, corporate governance and the Dodd-Frank Act. Bringing together an authoritative range of international experts and perspectives, this invaluable body of heterodox research work provides a comprehensive compendium for researchers and academics of banking and finance as well as regulators and policy makers concerned with the global impact of financial institutions.