pay day loan

Qualitative research with payday lending clients in britain

The investigation through the CMA offers a important breakdown of the consumer profile of payday lenders however it was never ever made to explore the ‘lived experience’ or wider problems of great interest within social policy, particularly backlinks between labour markets, welfare state cuts and financialisation. So that you can explore these problems in greater level, we carried away AHRC-funded qualitative research (in-depth interviews) with 21 borrowers that has lent from payday loan providers within the past 12 months. Fieldwork were held between March and June 2014 within the western Midlands and Oxfordshire parts of great britain. We recruited interviewees utilizing a expert business whom identified individuals in shopping centres and high roads making use of a testing questionnaire the authors had created. We interviewed a mix that is broad of in regards to age, sex, work, household kind an such like. Each meeting lasted between 45 mins and 2 hours at spot of this respondent’s option (almost all inside their house, with a few in a cafГ©). Where feasible, the writers of this article carried out the interviews in pairs to make sure research safety and quality.

The study received complete approval that is ethical the University of Birmingham and then we took ethical issues really. We gained informed permission by describing, at the start of each interview, the type of y our research, the way the information could be used and also this had been additionally explained within our research information sheet which we offered to every participant. Read more ›

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