As a Foundation exploring the role of money and financial systems as a mechanism for the delivery of social goods and services, we seek to understand how individuals and systems interact, for good or ill; people’s experience of debt is an example. In the projects we support, we aim to encourage thinking about the causes of problems and the possibilities for alleviating them. Friends Provident Foundation adopts a broad perspective but one major area of concern is how those on low incomes and with access to very limited resources cope with economic and social change and what can be done to assist them