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Qualitative research with payday lending clients in britain

The investigation through the CMA has a essential summary of the client profile of payday loan providers however it ended up being never built to explore the ‘lived experience’ or broader problems of great interest within social policy, specifically backlinks between labour markets, welfare state cuts and financialisation. So that you can explore these problems in greater depth, we carried away AHRC-funded qualitative research (in-depth interviews) with 21 borrowers that has lent from payday loan providers into the past 12 months. Fieldwork were held between March and June 2014 when you look at the western Midlands and Oxfordshire elements of the united kingdom. We recruited interviewees utilizing an expert company whom identified individuals in shopping centers and high streets making use of an assessment questionnaire the writers had created. We interviewed an extensive mixture of individuals when it comes to age, sex, employment, family members kind and so forth. Each meeting lasted between 45 mins and 2 hours at an accepted destination of this respondent’s option (almost all within their house, with a few in a cafГ©). Where feasible, the writers regarding the article carried out the interviews in pairs to make certain research safety and quality.

The investigation received complete ethical approval by the University of Birmingham so we took ethical issues seriously.