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Enabling inclusion through alternative discursive formations: the regional development of community development loan funds in the United Kingdom

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  • John R. Bryson
  • Martin Buttle

Abstract

This article explores the growth and geography of Community Development Loan Funds (CDLFs) in the UK. CDLFs usually operate locally to overcome financial exclusion by providing a mechanism that enables wider social inclusion in disadvantaged areas. The article uses two cases studies of CDLFs to show how these alternative financial institutions balance the tension between profitability versus social objectives. CDLFs are ‘alternative’ financial institutions as their business model is based on alternative discursive formations of profitability related to value. Combining these variables produces a complex uneven regional geography of access; complex as local CDLF availability may still imply that organizations experience financial exclusion.

Suggested Citation

  • John R. Bryson & Martin Buttle, 2005. "Enabling inclusion through alternative discursive formations: the regional development of community development loan funds in the United Kingdom," The Service Industries Journal, Taylor & Francis Journals, vol. 25(2), pages 273-288, March.
    • Handle: RePEc:taf:servic:v:25:y:2005:i:2:p:273-288
    DOI: 10.1080/0264206042000305457
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    Cited by:

    1. Hugh Morris, 2012. "Financial Exclusion and Australian Domestic General Insurance: The Impact of Financial Services Reforms," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 33, July-Dece.
    2. Rohit Bhardwaj & Saurabh Srivastava & Sunali Bindra & Sumit Sangwan, 2023. "An ecosystem view of social entrepreneurship through the perspective of systems thinking," Systems Research and Behavioral Science, Wiley Blackwell, vol. 40(1), pages 250-265, January.
    3. Staicu Daniela, 2018. "Financial sustainability of social enterprise in Central and Eastern Europe," Proceedings of the International Conference on Business Excellence, Sciendo, vol. 12(1), pages 907-917, May.
    4. John R. Bryson & Rachel Lombardi, 2009. "Balancing product and process sustainability against business profitability: sustainability as a competitive strategy in the property development process," Business Strategy and the Environment, Wiley Blackwell, vol. 18(2), pages 97-107, February.
    5. Hugh Morris, 2012. "Financial Exclusion and Australian Domestic General Insurance: The Impact of Financial Services Reforms," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 3-2012.

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