The 10 per cent solution Full Report

This Carnegie UK report examines the levels of high cost credit use and the provision of affordable credit across seven Scottish local authorities, reveals the gap between demand and appropriate supply and puts forward a range of interventions available to local authorities that can support affordable credit providers and make a significant difference to the lives of low income individuals in their areas. This report was part of Carnegie UK’s legacy programme of work to support alternatives to high cost credit and provide options for those excluded from mainstream forms of credit.