Qualitative research with payday lending clients in the united kingdom

Qualitative research with payday lending clients in the united kingdom

Qualitative research with payday lending clients in the united kingdom

The investigation from the CMA provides an overview that is important of consumer profile of payday loan providers however it had been never built to explore the ‘lived experience’ or wider dilemmas of great interest within social policy, specifically backlinks between labour markets, welfare state cuts and financialisation. To be able to explore these problems in greater level, we carried down AHRC-funded qualitative research (in-depth interviews) with 21 borrowers who’d lent from payday loan providers into the year that is previous. Fieldwork happened between March and June 2014 into the western Midlands and Oxfordshire elements of the united kingdom. We recruited interviewees making use of an expert business whom identified individuals in shopping centers and high roads utilizing a testing questionnaire the writers had created. We interviewed a diverse mixture of individuals when it comes to age, sex, employment, household kind an such like. Each meeting lasted between 45 moments and 2 hours at an accepted spot regarding the respondent’s option (almost all inside their home, with a few in a ). Where feasible, the writers of this article carried out the interviews in pairs to make certain research quality and safety.

The investigation received complete ethical approval by the University of Birmingham so we took ethical issues really. We gained informed permission by explaining, at the start of each meeting, the character of our research, the way the information will be utilized and also this had been additionally explained within our research information sheet which we provided to every participant. To thank the individuals with regards to their time (and participation that is encourage, we provided them ВЈ30 cash. This re re payment was queried by our university ethics reviewers therefore we appreciate the debate about paying participants (Thompson, 1999) but we desired to recognise the right time and help that interviewees provided us. […]