Library

2012 Personal Allowance Tax Changes

385kb Analysis of the changes to the personal allowance and tax credits due in April 2012. (Resolution Foundation, 2011)

3D Poverty

675kb This pamphlet maintains that it is not enough to just measure income poverty: there is the need for an annual, multi-dimensional analysis of poverty and social exclusion. This measure would track annually the depth of deprivation in the UK at a household level, and the overlap and interaction between different dimensions of disadvantage. This pamphlet contains a detailed methodology as to how that measure would work. (Demos, 2010)

49 Major Changes

395kb This report outlines 49 major changes to the tax and benefit system to come into effect in April 2011. (Credit Action, 2011)

A business case for fighting poverty

128kb Action on poverty can benefit business performance, as well as building a better world in which to operate. This paper outlines how developing a deeper understanding of the issues benefits businesses themselves and helps them to make a bigger contribution to reducing poverty. (Oxfam, 2009)

A common operational European definition of over-indebtedness

145kb This paper sets out to identify the nature and causes of over-indebtedness, to review the definitions and measurement of over-indebtedness and to propose common definitions and indicators. (European Commission, 2008)

A Credit to the nation? Making consumer credit work for vulnerable consumers in the UK

152kb This report, undertaken by the Citizens Advice service, examines the nature and scale of the issues consumers experience at present in the consumer credit market, and proposes ways in which these problems can be addressed through the creation of the Financial Conduct Authority and the new regulatory framework. (Citizens Advice, 2012)

A cycle of disadvantage?: Financial exclusion in childhood

285kb To inform its consumer education work in schools the Financial Services Authority (FSA) commissioned the Centre for Research in Social Policy (CRSP) to investigate the experiences which children from financially excluded families bring to the class room and how these relate to the teaching of money within schools.

A evidence review: the costs of banking exclusion and the benefits of access to bank accounts

347kb In the summer of 2009 the Financial Inclusion Taskforce began a critical review of the evidence base relating to the Government’s key objectives for financial inclusion. The aim of the review was to establish what evidence exists on the: costs of financial inclusion, to individuals, communities, the economy and Government; benefits of financial inclusion, to individuals, communities, the economy and Government; benefits of policy interventions to address financial exclusion, to date. It also, assesses the quality of the empirical evidence; identifies the focus of empirical evidence relating to financial inclusion, highlights the extent to which empirical evidence can inform future policy; and highlights any key gaps in empirical evidence that must be filled to further inform policy-making in this area.

A Gender Perspective on 21st Century Welfare Reform

272kb This response provides a gender analysis of the potential impact of the welfare reform proposals, particularly on women living in poverty and in receipt of benefits/tax credits. Enabling women with caring responsibilities to become gainfully employed is one of the keys to economic growth; but in order to tackle poverty by encouraging greater engagement with the labour market, it is important to get these reforms right for women, by looking at the barriers to their employment. (Oxfam, 2010)

A Ladder Out of Poverty: from state-dependence to self-reliance

516kb This pamphlet makes the case for a modern welfare state that tackles inequality of wealth as well as inequality of income, and promotes self-reliance in the place of dependency. (Resolution Foundation, 2006)