Stuck In Debt: Why Do People Get Trapped In Problem Debt?
This 2017 Citizens Advice report examines consumer borrowing and presents new analysis of long-term problem debt in Great Britain.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt, Budgeting and Keeping Track
Country/Countries: England, Scotland, Wales
Year of publication: 2017
The Cost Of Financial Insecurity
This 2018 Citizens Advice report provides a picture of financial insecurity in UK households, and how different groups of people try to manage that insecurity.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt, Budgeting and Keeping Track
Country/Countries: UK
Year of publication: 2018
This 2016 Citizens Advice report presents a framework to help creditors and advice partners challenge financial abuse in intimate relationships.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt, Financial Education
Country/Countries: UK
Year of publication: 2016
Improving Money Management in Working Age Adults
An evidence review to understand ‘what works’ to help working age adults manage their money effectively.
A comprehensive and replicable review of all relevant studies on a topic with a summary of findings
An indicative review of a sample of relevant studies on a topic with a summary of findings
Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track
Country/Countries: United Kingdom
Year of publication: 2018
Ideas And Results From The Financial Capability Lab
An overview of progress in identifying and testing ideas to address three challenging areas in the UK Financial Capability Strategy.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Financial Capability
Country/Countries: UK
Year of publication:
Qualitative study for MAS to give further insight into the “squeezed” segment, one of three core groups of consumers.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Financial Capability
Country/Countries: UK
Year of publication: 2016
Assessing Financial Capability And Well Being In Ireland
National survey and analysis of financial capability and well-being in Ireland.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Saving, Pensions and Retirement Planning, Credit Use and Debt, Budgeting and Keeping Track, Financial Education, Financial Capability
Country/Countries: Ireland
Year of publication: 2018
Regulating the credit card market: cap on costs
This report uses data from the Bank of England’s 2018 Household Survey to present new evidence of the impact of credit card debt on low-income households.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2019
The 2019 Good Credit Index maps access to ‘good’ credit across the country, with the aim of repeating the Index annually.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2019
Alternatives to high cost credit
This paper examines the market for alternatives to high-cost credit and sets out the actions taken by the FCA on commitments made in previous reports, as well as next steps.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt
Country/Countries: England
Year of publication: 2019
Managing My Money for the Just About Managing
Open University & Coventry University designed and tested (using multiple controlled field trials) a short, behaviourally-informed financial education tool aimed at improving the day-to-day budgeting, spending, and saving behaviour of people who are Just About Managing.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Financial Education
Country/Countries: England
Year of publication: 2019
CashWise is a workplace financial education programme designed to improve fincap outcomes for low-income employees in east London. Face-to-face group workshops were delivered by ELBA to over 100 participants.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Saving, Pensions and Retirement Planning, Credit Use and Debt, Budgeting and Keeping Track, Insurance and Protection, Financial Education, Financial Capability
Country/Countries: England
Year of publication: 2019
Borrowed years. A spotlight briefing on young people, credit and debt
Survey of 18-24 year olds in the UK about their credit use, and recommendations on how to address problem debt among young people.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2016
Credit card market study: interim report
A study assessing the behaviour of credit card companies and consumers, including problem debt and possible solutions.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Credit Use and Debt
Country/Countries: United Kingdom
Year of publication: 2015
Financial capability and debt advice
MAS review exploring existing evidence on the integration of debt advice and financial capability, including stakeholder interviews and a call for evidence to providers.
A comprehensive and replicable review of all relevant studies on a topic with a summary of findings
An indicative review of a sample of relevant studies on a topic with a summary of findings
Topics: Saving, Pensions and Retirement Planning, Credit Use and Debt, Budgeting and Keeping Track, Insurance and Protection, Financial Capability
Country/Countries: United Kingdom
Year of publication: 2018
The Money House: final evaluation report
An evaluation of workshops for young people aged 16-25, designed to build financial capability and support the transition to independent living.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Pensions and Retirement Planning, Insurance and Protection, Financial Education, Financial Capability
Country/Countries: England
Year of publication: 2018
Children and young people financial capability deep dive: parenting
A study assessing to what extent parent’s behaviour and attitudes towards money affects their children’s financial capability.
Qualitative research is more exploratory, and uses a range of methods like interviews, focus groups and observation to gain a deeper understanding about specific issues - such as people’s experiences, behaviours and attitudes.
Quantitative research uses statistical or numerical analysis of survey data to answer questions about how much, how many, how often or to what extent particular characteristics are seen in a population. It is often used to look at changes over time and can identify relationships between characteristics like people’s attitudes and behaviours.
Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Financial Capability
Country/Countries: United Kingdom
Year of publication: 2018
Evaluation of DWP Financial Inclusion Champions Initiative.
Evaluation of the Financial Inclusion Champions Initiative. The initiative was designed to reduce financial exclusion through local delivery partnerships.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Saving, Credit Use and Debt, Budgeting and Keeping Track, Insurance and Protection
Country/Countries: United Kingdom
Year of publication: 2011
Improving the financial literacy of European consumers
A review of European literature exploring definitions of financial literacy. The review also reflects on European legislation promoting financial literacy among consumers.
A comprehensive and replicable review of all relevant studies on a topic with a summary of findings
An indicative review of a sample of relevant studies on a topic with a summary of findings
Topics: Saving, Pensions and Retirement Planning, Credit Use and Debt, Budgeting and Keeping Track, Insurance and Protection
Country/Countries: EU Countries
Year of publication: 2015
Pilot Phase Evaluation of the Community Development Finance Institution
The consortium model is designed to help low income houses in Scotland with community based initiatives centred on affordable credit.
Information about the programme design and rationale
Evidence about Financial Capability outcomes for programme participants
Evidence that the Financial Capability outcomes were caused by the programme
Evidence about programme implementation, feasibility, and piloting
Evidence about relative costs and benefits of the programme
Topics: Credit Use and Debt
Country/Countries: Scotland
Year of publication: 2018
