Scottish Government

Donal G McKillop and John O S Wilson
ISBN 978 0 7559 7292 0 (Web only publication)
This document is also available in pdf format (368k)

Related topic: www.scotland.gov.uk/Topics/People/Social-Inclusion

CONTENTS

EXECUTIVE SUMMARY

1 INTRODUCTION

2 WHAT ARE CREDIT UNIONS AND WHY DO THEY MATTER?

3 HISTORICAL DEVELOPMENT
Origins in Europe
From Europe to North America and Back
A Classification Scheme for Credit Unions

4 A STATISTICAL OVERVIEW OF UK CREDIT UNIONS

5 FACTORS IMPORTANT TO THE SUCCESSFUL DEVELOPMENT OF CREDIT UNIONS

6 LEGISLATION DEVELOPMENTS AND THE FINANCIAL INCLUSION AGENDA
Legislative environment in GB
Financial Inclusion
Initiatives in regions

7 INSIGHTS FROM THEORY
What has theory to say about balancing the interest of members?
What has theory to say about interest rate restrictions?
What has theory to say about widening the common bond?

8 SUMMARY

LITERATURE ANNEX

STATISTICAL ANNEX

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