The rather emotive term 'debt' is used to describe two quite different situations. First, it is frequently used to refer to use of credit, and having outstanding money to repay. So someone is said to be 'in debt' if they, say, have a personal loan from a bank, owe money on a credit card, or have bought goods on hire purchase or through a mail order catalogue...

1. Introduction 2. From backwater to riding the waves: the growth of SRI 3. Are Ethics Being Eroded? 4. Where to next?

Introduction 1. Governance Issues 2. Practice Issues 3. Further Information Annexe CDFI Business Principles

The research aimed to find out what level of income people think is needed to afford socially acceptable standard of living in Britain today, and to participate in society.