Independent research on how home credit works

Moneylenders and their customers

Karen Rowlingson and Elaine Kempson, Policy Studies Institute, JRF, 1994

This is one of the first systematic third-party investigations of the relationship between home credit providers and their customers. It was undertaken to independently assess the sector and its customers. It also investigated whether negative perceptions of the home credit sector had any basis in fact.

The researchers carried out in-depth interviews with home credit providers, agents and customers as well as observing home credit agents on their weekly rounds.