The Northern Ireland Council for Voluntary Action commissioned Policis and Liverpool John Moores University to explore the options for an alternative affordable credit model in Northern Ireland and these are explored in this report,.The research project was originally conceived as an alternative to payday lending but on the basis of the evidence on the profile of payday lending users and the desire of the stakeholders for an affordable credit model to serve the most disadvantaged, was reframed as seeking to provide an alternative to home credit and illegal lending
