1. Community Banking BY MANDY BYGRAVE CWCDA

2. Warwickshire Financial Inclusion Partnership   Warwickshire Financial Inclusion Strategy   LPSA 2 funding   Financial Inclusion - 25 th June 2010

3. Warwickshire facts & Figures   Estimated 6,326 households may not have access to bank accounts   Home credit companies have large rounds across North Warwickshire.   Estimated that thousands of people across the county are using loan sharks

4. Provident – 272.2% Cost of £300 loan over 12 months TOTAL £878.47

5. Payday loan (Quickquid) – 2222.46% Cost of £300 loan over 12 months TOTAL £ 6667.38

6. What is Community Banking ? Group of third sector organisations that offer money related services

7. Citizens Advice Bureau Citizens Advice Bureau  Referrals  Money/Debt Advice  Support and advice

8. Credit Union Credit Union  Front face  Savings and loans  Child Trust Funds

9. CWCDA  Bill paying  Budgeting & Money Management  Basic bank accounts  Save Xmas  Savings gateway  School Banks

10. Heart Of England money  CWRT  Loans to those on low incomes- 35 % £356.55  Business loans  Business advice

11. Conclusion  Simple idea that can make a real difference to those that are financially excluded  We can make a difference to your tenants

12. New Ideas  What additional Services are required? -Savings gateway  How do you think this could help you or your tenant?

13. Contact details  New Way Credit Union 01827 718851  Heart of England money 02476 551777  Maxine Bennett 07968675862  Mandy Bygrave – 07989982727 m.shine@cwcda.co.uk m.shine@cwcda.co.uk