Edinburgh Business School will use the information you have provided to contact you with information on our products and services. For more information see our terms and conditions.
The provision of sub-prime, high-cost credit to consumers has long been a controversial business practice in the UK and beyond, evidenced by re-emerging debates in light of Wonga’s (pay day loan provider) recent troubles. Yet sub-prime finance provision is not a homogenous set of predatory lending practices and in fact comprises a range of products offered to consumers, including the focus of this research project: home-collected credit – a form of credit on offer in the UK since the late 1890s. While not without its controversial moments, it is worth remembering that, for many, the home-collected credit industry is the only means of legal and regulated credit provision.
Our project aims to better situate home-collected credit in academic, policy and public debate. We aim to better understand the relationships, intricacies and contingencies within the home-collected credit sector, building on and updating previous research in the field and making considered, qualitative and quantitative data-led contributions to the ongoing debate. Mindful of the fact that the home-collected credit industry is female-dominated on the side of providers (agents) and receivers (customers) of credit, we ask: How might one theorise the agent-customer relationship within the home-collected credit industry? Our research tackles this by drawing upon qualitative interviews with agents in the central belt of Scotland and the north-east of England, supplemented with UK-wide quantitative data.
Follow our projects on Twitter @CNE_EBS and contact us at email@example.com