The question of how to make affordable credit available to people across the UK has long been a highly complex and contested public policy issue.
Our Affordable Credit project is seeking to bring new solutions to this area with a focus on identifying alternative options to the commercial high cost credit market.
We have established an Affordable Credit Action Group to oversee work on the recommendations set out in the Gateway to Affordable Credit report. The Group is chaired by the Very Reverend John Chalmers, Principal Clerk to the General Assembly of the Church of Scotland. Action Group members are: Martin Armstrong, Chief Executive, Glasgow Housing Association; Jamie Black, Consumer Affairs Manager, RBS; Angus Hogg, Chair, Carnegie UK Trust; Peter Kelly, Director, Poverty Alliance; Louise Macdonald, CEO, Young Scot; Elma Murray, CEO, North Ayrshire Council; Stephen Pearson, Senior Adviser, Virgin Money; Yvonne Strachan, Head of Equality, Human Rights and Third Sector, Scottish Government; and Douglas White, Head of Advocacy, Carnegie UK Trust. Gail Irvine, Policy Officer, Carnegie UK Trust, is Secretariat to the Group.
Niall Alexander has joined the Carnegie UK Trust as an Associate to help develop and implement the recommendations in the Gateway to Affordable Credit report. Niall will support the Action Group with technical and evidence-based work designed to overcome some of the cross-cutting, structural issues that inhibit the expansion of affordable credit.