Scottish Government

Morag Gillespie, Louise Dobbie, Gareth Mulvey Scottish Poverty Information Unit, Glasgow Caledonian University with Yvonne Gallacher (Money Advice Scotland) and Jim Campbell Caledonian Business School, Glasgow Caledonian University

ISBN 978 0 7559 6532 8 (Web only publication)

This document is also available in pdf format (628k)

CONTENTS

Acknowledgements

EXECUTIVE SUMMARY

LIST OF TABLES

ABBREVIATIONS

CHAPTER 1 INTRODUCTION
Background
Overview of the pilot projects
Evaluation overview

CHAPTER 2 MONEY ADVICE PROJECTS IMPLEMENTATION AND ACTIVITIES
Introduction
Monitoring information
Direct advice services
Other Activities
Project implementation
Conclusions

CHAPTER 3 SERVICE USER PERSPECTIVES
Service user and interviewee characteristics
Outcomes and impacts of advice
Improving access to advice
Conclusions

CHAPTER 4 QUALITY AND COST EFFECTIVENESS
Outcomes of the quality audit
Analysis of cost effectiveness

CHAPTER 5 INFORMING MAINSTREAM MONEY ADVICE
Issues for disadvantaged groups
Overall impact of pilot projects
Lessons for mainstream service provision
Conclusions
Note on the research and evaluation process

REFERENCES

Appendix 1: Outline of Research and Evaluation

Appendix 2: Summary of Money Advice Projects

Appendix 3: Service user profile information

The views expressed in this report are those of the researcher and
do not necessarily represent those of the Department or Scottish Ministers.