Institutionalising future geographies of financial inclusion: national legitimacy versus local autonomy in the British credit union movement.

This paper provides a critical overview of recent developments in British credit union development, and contributed to the broader analysis of alternative financial/economic spaces and (the geographies of) alterity. The paper was underpinned by a wide range of local, national and international conference presentations including the National Association of Credit Union Workers, Birmingham, 2001; Combating Financial Exclusion, Salford, 2001; Association of American Geographers, New York, 2001, New Orleans, 2003; Alternative Economic Spaces, Hull, 2005; and discussions with local user communities throughout the UK (including through non-academic publishing, such as SCCD news and New Start articles)

Capacity-building and community control of local economic assets

This paper explores the major changes and challenges confronting British credit unions, and highlights some of their implications in relation to notions of capacity-building. The paper’s key themes were presented at a wide range of local, national and international conference presentations including the National Association of Credit Union Workers, Birmingham, 2001; ESRC ‘Capacity building: learning for community economic development’ seminar series, ‘Seminar Three: Capacity-building and community control of local economic assets’, Salford University, 2001; Alternative Economic Spaces, Hull, 2005; and via discussions with local user communities throughout the UK (including through non-academic publishing, including SCCD news and New Start articles)

Making the ‘black box’ transparent: publishing and presenting geographic knowledge

Abstract included in text

Financial exclusion and inclusion : credit union development in Kingston upon Hull

Within the flourishing area of new economic geography, increased attention is currently being paid to a variety of 'alternative' sources of credit and finance. As one of these forms, British credit unions are currently particularly 'sexy'. One reason for this status relates to increasing interest (both within the academy and outside) in the role(s) credit unions can play in relieving the effects of financial exclusion and poverty throughout Britain. In the context of the growing concerns of 'New Labour' about these issues, credit unions are progressively being posited as one route to a more inclusive society, both in social and economic terms. However, through an analysis that positions credit unions as 'civil', embodied, institutions in the specific context of their development in Kingston upon Hull, this thesis proposes that the achievement of such a goal is not a straightforward issue. This work questions the extent to which British credit unions have historically contributed towards financial inclusion, finding that such evidence remains partial and somewhat underlain by a 'faith' in the merits of the credit union model. As a consequence, it emphasises that in taking the route to a more financially included society through increased usage of credit unions, a number of barriers to their development and growth will have to be surmounted. These barriers are highlighted within this work through an exploration of a prevailing credit union discourse, which draws attention to the linkages between the structural features of the British credit union environment, and the manifestations of these features within localities such as Hull. In so doing, it concludes by outlining a number of challenges and changes facing the British movement that are reflective of a growing awareness of these barriers and their effects. It is argued that these features will broadly affect (and effect) the contribution made by credit unions within a more (financially) inclusive society in the years to come

A novel method of supplying nutrients permits predictable shoot growth and root: shoot ratios of pre-transplant bedding plants

BACKGROUND AND AIMS: Growth of bedding plants, in small peat plugs, relies on nutrients in the irrigation solution. The object of the study was to find a way of modifying the nutrient supply so that good-quality seedlings can be grown rapidly and yet have the high root : shoot ratios essential for efficient transplanting. METHODS: A new procedure was devised in which the concentrations of nutrients in the irrigation solution were modified during growth according to changing plant demand, instead of maintaining the same concentrations throughout growth. The new procedure depends on published algorithms for the dependence of growth rate and optimal plant nutrient concentrations on shoot dry weight Ws (g m–2), and on measuring evapotranspiration rates and shoot dry weights at weekly intervals. Pansy, Viola tricola ‘Universal plus yellow’ and petunia, Petunia hybrida ‘Multiflora light salmon vein’ were grown in four independent experiments with the expected optimum nutrient concentration and fractions of the optimum. Root and shoot weights were measured during growth. KEY RESULTS: For each level of nutrient supply Ws increased with time (t) in days, according to the equation {Delta}Ws/{Delta}t=K2Ws/(100+Ws) in which the growth rate coefficient (K2) remained approximately constant throughout growth. The value of K2 for the optimum treatment was defined by incoming radiation and temperature. The value of K2 for each sub-optimum treatment relative to that for the optimum treatment was logarithmically related to the sub-optimal nutrient supply. Provided the aerial environment was optimal, Rsb/Ro{approx}Wo/Wsb where R is the root : shoot ratio, W is the shoot dry weight, and sb and o indicate sub-optimum and optimum nutrient supplies, respectively. Sub-optimal nutrient concentrations also depressed shoot growth without appreciably affecting root growth when the aerial environment was non-limiting. CONCLUSION: The new procedure can predict the effects of nutrient supply, incoming radiation and temperature on the time course of shoot growth and the root : shoot ratio for a range of growing conditions

Public geographies II: being organic

This second report on ‘public geographies' considers the diverse, emergent and shifting spaces of engaging with and in public/s. Taking as its focus the more ‘organic’ rather than ‘traditional’ approach to doing public geography, as discussed in the first report, it explores the multiple and unorthodox ways in which engagements across academic-public spheres play out, and what such engagements may mean for geography/ers. The report first explores the role of the internet in ‘enabling conversations', generating a range of opportunities for public geography through websites, wikis, blogs, file-sharing sites, discussion forums and more, thinking critically about how technologies may enable/disable certain kinds of publically engaged activities. It then considers issues of process and praxis: how collaborations with groups/communities/organizations beyond academia are often unplanned, serendipitous encounters that evolve organically into research/learning/teaching endeavours; but also that personal politics/positionality bring an agency to bear upon whether we, as academics, follow the leads we may stumble upon. The report concludes with a provocative question – given that many non-academics appear to be doing some amazing and inspiring projects and activities, thoughtful, critical and (arguably) examples of organic public geographies, what then is academia’s role

Consulting the community: advancing financial inclusion in Newcastle-upon-Tyne, UK

This paper documents the development and demise of Financial Inclusion Newcastle. Underpinned by a unique participatory consultation document conducted by the authors, FIN created much interest from the Treasury and the Office of the Deputy Prime Minister; being seen as a highly innovative model of inclusive financial service delivery. Papers related to this work have been presented at local, national and international conferences, including the ‘Employment and Fiscal Welfare’ sub-theme of the Social Policy Association Conference, July 2002, University of Teesside, Middleborough and the 'Countering Urban Segregation’ Working Conference, Free University of Amsterdam, October 2004

Wealth dynamics: reducing noise in panel data

Although the asset data from the Health and Retirement Study (HRS) is of very high quality, there is sufficient noise to frustrate attempts to study saving behaviour by examining wave-to-wave change in wealth. In this research, we attempt to reduce noise by means of reactive-dependent interviewing in which respondents with large inexplicable changes in assets between 1998 and 2000 are called back by HRS interviewers, presented with their prior reports and asked to reconcile the data. We achieved reconciliation for 1255 households (2479 net-worth components) and, as a result, the variance in measured change for the entire sample of 11,583 households with the same financial respondents in both waves was cut in half. The empirical validity of the data also appears to have been improved. The correlation of gross change in net worth and income, for instance, increased from an insignificant negative to a highly significant positive value. Although reconciliation of large asset changes marginally improves the goodness of fit of multivariate models, there remains sufficient noise in the asset-change data to require analysts to employ additional methods to reduce the influence of outliers. Copyright © 2006 John Wiley & Sons, Ltd.Peer Reviewedhttp://deepblue.lib.umich.edu/bitstream/2027.42/55813/1/878_ftp.pd

Building capacity for the use of participatory video in academic research

The network will be running 4 two-day training workshops on using PV in research, between now and the end of January. The workshops will be suitable as an introduction to PV techniques, or to sharpen your existing skills as a PV facilitator in a research setting. The workshops will be run by academics and PV practitioners with experience of using PV in research, and of the delivery of research training