Dr Paul Anthony Jones

Nursing and Allied Health

Dr. Paul A Jones is a Reader in the Social Economy and he heads up the Research Unit for Financial Inclusion (RUFI) in the Faculty of Education, Health and Community at Liverpool John Moores University. RUFI undertakes academic, action and evaluative research in a wide range of areas related to the development of financial services for lower and moderate-income households, money and debt advice and credit union development. He has published widely in the field of financial inclusion and credit union development and is a regular speaker at national and international conferences in the field of the social economy,

Languages

French

Degrees

2010, Liverpool John Moores University, United Kingdom, PhD
1995, Manchester Metropolitan University, United Kingdom, MSc
1984, University of Manchester, United Kingdom, MEd

Academic appointments

Director of Research, Centre for Community Finance Europe, 2020 - present
External Examiner, Social Welfare Law, Policy and Advice Practice, Staffordshire University, 2013 - 2018
Visiting lecturer in the social economy, Economics and Management, Czech University of Life Sciences Prague, 2008 - present

Report

Jones P, McGinn P, Money N. 2020. The Credit Union Difference The Credit Union Difference. A new Toolkit designed for credit unions :1-33 Publisher Url Public Url

Jones P, Money N. 2018. The Remuneration of Credit Union Directors Publisher Url

Jones P, Money N. 2018. Borrowing from a Credit Union: Messages from Members Borrowing from a Credit Union: Messages from Members :1-24 Publisher Url Public Url

Jones P, Money N, Swoboda R. 2018. The Revolving Credit Opportunity for Credit Unions The Revolving Credit Opportunity for Credit Unions :1-36 Publisher Url Public Url

Jones PA, Money N, Swoboda R. 2017. The Irish Credit Union Business Model: Is it still fit for purpose? The Irish Credit Union Business Model: Is it still fit for purpose? :1-33 Author Url Publisher Url Public Url

Jones PA, Money N. 2017. Affordable Loans Project Declines Report A research study into the opportunities to support residents initially declined for loans by affordable loan partners Affordable Loans Project Declines Report A research study into the opportunities to support residents initially declined for loans by affordable loan partners :1-10 Author Url Publisher Url

Jones PA. 2017. Board Democracy in Co-operatives Board Democracy in Co-operatives :1-39 Author Url Publisher Url

Jones PA, Money N, Swoboda R. 2017. Credit Union Strategic Governance Credit Union Strategic Governance :1-207 Author Url Publisher Url

Jones PA, Money N, Swoboda R. 2016. The DWP CUEP Review The DWP CUEP Review. An independent research study into the credit union experience of the Credit Union Expansion Project . Key findings :1-10 Author Url Publisher Url Public Url

Jones PA, Money N, Swoboda R. 2016. Credit Union Expansion Project Review The Department of Work and Pensions Credit Union Expansion Project Review :1-93 Author Url Publisher Url

Jones PA, Money N. 2016. Credit Union Christmas Savings product research study Credit Union Christmas Savings product research study A research study into the feasibility of a nationally-promoted Christmas savings account :1-21 Author Url Publisher Url

Jones PA, Money N. 2015. Affordable Loans Project. Interim Report A research study into the design of an affordable loans project pilot for residents Affordable Loans Project. Interim Report A research study into the design of an affordable loans project pilot for residents :1-32 Author Url Publisher Url

Jones PA, Money N. 2015. Enabling access to affordable credit for social housing residents Enabling access to affordable credit for social housing residents :1-26 Public Url

Jones PA. 2014. Banking on a better future Banking on a better future :1-43 Author Url Public Url

Jones PA. 2014. Towards a systematic approach to credit union governance - an interim report Towards a systematic approach to credit union governance - an interim report :1-73

Jones PA, Money N. 2013. Debt Solutions: An options evaluation for Citizens Advice Debt Solutions: An options evaluation for Citizens Advice :1-102

Jones PA, Money N. 2013. Pilot Project Evaluation for Citizens Advice: DMP Triage and Referrals, September 2012 to January 2013 Pilot Project Evaluation for Citizens Advice: DMP Triage and Referrals, September 2012 to January 2013 :1-24

Jones PA. 2013. Towards Financial Inclusion - the expansion of credit union financial services for low-income households in Northern Ireland Towards Financial Inclusion - the expansion of credit union financial services for low-income households in Northern Ireland :1-78 Publisher Url

Jones PA, Bath C. 2013. Unlocking Credit Unions Unlocking Credit Unions: Developing partnerships between credit unions and criminal justice agencies :1-78 Publisher Url

Jones PA, Bath C. 2013. Unlocking Credit Unions Unlocking Credit Unions: Developing partnerships between credit unions and criminal justice agencies :1-78 Publisher Url

Jones PA. 2012. Efficiency and client choice in the delivery of free debt advice Efficiency and client choice in the delivery of free debt advice :1-40 Publisher Url

Jones PA, Sheen G, Money N. 2012. Debt Management Plan Referrals Pilot Debt Management Plan Referrals Pilot :1-28

Jones PA. 2012. Strategies for Growth. A research study into the progress and development of credit unions in the North East of England and Cumbria :1-55

Jones PA. Reaching the hardest to reach; An exploratory study into the development of the Community Advice Partnership in order to support its reaching out to serve the hardest of the hard to reach groups in Darlington Reaching the hardest to reach; An exploratory study into the development of the Community Advice Partnership in order to support its reaching out to serve the hardest of the hard to reach groups in Darlington

Jones PA. Integrating Debt Advice Services - The development of an integrated approach to the delivery of face-to-face and telephone debt advice among Citizens Advice Bureaux in the North East and Cumbria. Integrating Debt Advice Services - The development of an integrated approach to the delivery of face-to-face and telephone debt advice among Citizens Advice Bureaux in the North East and Cumbria.

Jones PA. Understanding customers in financial difficulty.

Jones PA, Ellison A. Community Finance for London, Scaling up the credit union and social finance sector.

Jones PA, Ellison A, Whyley C, Forster R. Credit and low-income consumers. A demand-side perspective on the issues for consumer protection.

Jones PA. Integrating Debt Advice, A study of the integration of debt advice services in the North East and Cumbria

Jones PA. Over-indebtedness on a low income. An investigation into the impact and effectiveness of the Citizens Advice Financial Inclusion Fund face-to face debt advice project, 2006 – 2009,

Jones PA, Kempson E, Ellison A, Whyley C. Is a not-for-profit home credit business feasible? :0-56 Publisher Url

Jones PA. Stabilising Credit Unions.

Jones PA. Still Banking on a fresh start. Progress report on the impact of The Co-operative Bank’s project to enable prisoners to open basic bank accounts

Jones PA, Scott-Cato M, Bickle R, Myers J. Realising the Potential: a review of the credit union movement in Wales,

Jones PA. Linking credit unions and money advice. Learning lessons from the Blackfriars Advice Centre, Southwark Credit Union and Twinpier Debt Counselling Service Money Advice Project :0-64 Publisher Url

Jones PA. Banking on a fresh start. A research study into the impact of The Co-operative Bank’s project to enable prisoners to open basic bank accounts in HMP Forest Bank. :0-80

Jones PA. Breaking through to the future -the strategic development of credit unions in Britain, 1998 – 2008

Jones PA. Credit Union Current Accounts

Other

Jones P, Money N, Swoboda R. 2018. A Manual of Credit Union Governance Jones PA. :1-75 Publisher Url Public Url

Chapters

Jones PA, Howlin M. 2017. Community finance: the emergence of credit unions in London Cohen S, Fuhr C, Bock JJ. Austerity, Community Action, and the Future of Citizenship in Europe :95-114 Policy Press. Bristol 978-1447331032 Author Url Publisher Url

Jones PA. 2016. British credit unions; Transformation and Challenge Karafolas S. Credit Cooperative Institutions in European Countries Comparative analysis of credit cooperative systems across 23 European countries :233-249 Springer International Publishing. New York City, USA 978-3-319-28783-6 DOI Author Url Publisher Url

Jones PA, Capo Vicedo J. 2013. The corporate social responsibility of British credit unions Brazda J, Dellinger M, Rößl D. Genossenschaften im Fokus einer neuen Wirtschaftspolitik - Bericht der XVII. Internationalen Genossenschaftswissenschaftlichen Tagung (IGT) 2012 in Wien. :639-650 LIT Verlag.. Berlin 978-3-643-50515-6 Publisher Url

Jones PA, Marchesini A. Re-discovering a Paradigm: the Promotion of Savings by Credit Unions within the UK Policy context of Asset-Based Welfare . Goglio S, Alexopoulos Y. Financial cooperatives and local development. Routledge. Trento. Italy DOI

Jones PA. Finance for all: British credit unions and the promotion of an inclusive society Bickle R, Cato MS. New views of society: Robert Owen for the 21st Century :29-46 Scottish Left Review Press. Biggar, Scotland 9780955036248 Publisher Url

Journal article

Jones PA. 2014. Les credit unions endossent une mission d’inclusion financière Banque & Stratégie, Author Url Publisher Url

Jones PA. 2006. Giving credit where it's due: Promoting financial inclusion through quality credit unions Local Economy, 21 :36-48 DOI

Jones PA. 2005. Philanthropy and enterprise in the British credit union movement Economic Affairs, 25 :13-19 DOI

Jones PA, Myers J, Scott Cato M. An ‘alternative mainstream’? The impact of financial inclusion policy on credit unions in Wales Public Money and Management, 32, number 6 :409-416 DOI Author Url

Jones PA, Scott-Cato M, Myers J. A la marge ou grand public : conséquences de la politique d’insertion financière sur le développement des coopératives d’épargne et de crédit au pays de Galles Revue internationale de l'économie sociale, :52-68 Publisher Url

Jones PA. From tackling poverty to achieving financial inclusion - the changing role of British credit unions in low income communities Journal of Socio-Economics, 37 :2141-2154 DOI Publisher Url

Jones PA. Creating affordable financial services from the bottom-up: The role of community finance in achieving healthy, just and sustainable cities Journal of Co-operative Studies, 50 :7-18 Author Url Publisher Url

Highlighted activities

External committees:

Board of Trustees, Just Finance Foundation, Trustee, https://justfinancefoundation.org.uk/. 2017

Professional activities

External committees:

Board of Trustees, Just Finance Foundation, Trustee, https://justfinancefoundation.org.uk/. 2017

Board of Directors, Centre for Community Finance Europe Dublin Republic of Ireland, Director, http://www.centreforcommunityfinanceeurope.eu/. 2016

Scientific Committee, ESS Forum International (Economie Social et Solidaire), Committee Member, http://www.rencontres-montblanc.coop/en. 2011

Editorial boards:

Journal of Co-operative Studies, Editor. 2009

Other Professional Activity:

Director of Enterprise Credit Union Ltd, Knowsley, Merseyside.

Director of Manchester Credit Union Ltd, Manchester, UK.

Membership of professional bodies:

Member, Chartered Institute of Linguists.

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