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Community Banking

Community Banking. BY MANDY BYGRAVE CWCDA. Warwickshire Financial Inclusion Partnership. Warwickshire Financial Inclusion Strategy LPSA 2 funding Financial Inclusion -25 th June 2010. Warwickshire facts & Figures. Estimated 6,326 households may not have access to bank accounts

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Community Banking

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  1. Community Banking BY MANDY BYGRAVE CWCDA

  2. Warwickshire Financial Inclusion Partnership • Warwickshire Financial Inclusion Strategy • LPSA 2 funding • Financial Inclusion -25th June 2010

  3. Warwickshire facts & Figures • Estimated 6,326 households may not have access to bank accounts • Home credit companies have large rounds across North Warwickshire. • Estimated that thousands of people across the county are using loan sharks

  4. Provident – 272.2% Cost of £300 loan over 12 months TOTAL £878.47

  5. Payday loan (Quickquid) – 2222.46% Cost of £300 loan over 12 months TOTAL £ 6667.38

  6. What is Community Banking ? Group of third sector organisations that offer money related services

  7. Citizens Advice Bureau • Referrals • Money/Debt Advice • Support and advice

  8. Credit Union • Front face • Savings and loans • Child Trust Funds

  9. CWCDA • Bill paying • Budgeting & Money Management • Basic bank accounts • Save Xmas • Savings gateway • School Banks

  10. Heart Of England money • CWRT • Loans to those on low incomes- 35 % £356.55 • Business loans • Business advice

  11. Conclusion • Simple idea that can make a real difference to those that are financially excluded • We can make a difference to your tenants

  12. New Ideas • What additional Services are required? -Savings gateway • How do you think this could help you or your tenant?

  13. Contact details • New Way Credit Union 01827 718851 • Heart of England money 02476 551777 • Maxine Bennett 07968675862 • Mandy Bygrave – 07989982727 m.shine@cwcda.co.uk

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