Claire Whyley’s scientific contributions

... In particular, people liked the combination of saving and credit that both encouraged them to put money aside and also amplified their borrowing power. Around half, however, had drawn a distinction between saving and borrowing at the time they joined their credit union, and had been attracted primarily by one or the other (Whyley et al., 2000). It is important to note, however, that whatever people's initial motivation for joining the credit union, the majority made full use of the services on offer once they had become members. ...

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The future of credit unions in the United States: Evidence from quantitative extrapolations

... In addition to this report, three working papers have been produced which give, in greater detail, the results of the Family Resources Survey secondary analysis (Kempson and Whyley, 1999a); the depth interviews reanalysis (Kempson and Whyley, 1999b); and the focus groups (Whyley and Kempson, 1999). ...

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Kept Out or Opted Out? Understanding and Combating Financial Exclusion

... The United Kingdom was the pioneering nation to recognize FI (Collard et al., 2001) for inclusive growth and development of the economy. The Equal Credit Opportunity Act of 1974 in the United States ensures fairness in loan applications within its jurisdiction (Cowling et al., 2020). ...

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Unveiling the nexus: Financial inclusion, financial literacy, and financial performance as catalyst for women-owned enterprises in India

... Governments have taken notice and attempted to deal with the rising incidence of financial exclusion in different ways. The UK government commissioned research to identify which consumers are most vulnerable to fringe finance, or as they call it-extortionate credit, and to propose policy solutions (Kempson and Whyley, 1999). The Canadian government has developed policies ranging from increased consumer protection with federal regulations (SEDI, 2004) to support for financial literacy initiatives (Government of Canada, 2014). ...

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Aboriginal Fringe Finance Use and Financial Capabilities: Survey Evidence from a Canadian City

... Regarding the empirical literature view, Kempson and Whyley (1999) reported that, the provision of a fundamental bank account is imperative for individuals with low income to gain entry into formal financial systems. Kim et al. (2018) investigate how 55 Organizations of Islamic Cooperation (OIC) nations' economic growth is affected by financial inclusion. ...

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Trade Liberalization and Sustainable Economic Growth in Sub-Saharan Africa: Does Financial Inclusion Matter?