• Gender and bank lending after the global financial crisis: are women entrepreneurs safer bets?

      Cowling, Marc; Marlow, Susan; Liu, Weixi; University of Derby; University of Bath (Springer, 2019-04-13)
      Using gender as a theoretical framework, we analyse the dynamics of bank lending to small- and medium-sized enterprises (SME) in the aftermath of the 2008 global financial crisis. Using six waves of the SME Finance Monitor survey, we apply a formal Oaxaca–Blinder decomposition to test whether gender impacts upon the supply and demand for debt finance by women. Reflecting established evidence, we found women had a lower demand for bank loans; contradicting accepted wisdom however, we found that women who did apply were more likely to be successful. We argue that feminised risk aversion might inform more conservative applications during a period of financial uncertainty which may be beneficial for women in terms of gaining loans. However, we also uncover more subtle evidence suggesting that bank decisions may differ for women who may be unfairly treated in terms of collateral but regarded more positively when holding large cash balances.
    • Positive engagement through youth work: Working with Roma children and young people in Derby, supporting their wellbeing

      Henry, Philip M.; Williams, Simon; University of Derby (The Center of Research in Child-Parent Interaction (CICOP), 2015-06)
      This article concentrates on the experiences of mainly Slovak and Czech Roma young people and their families who make up the largest population of Roma currently residing in Derby in the UK. It examines the experiences of Roma young people supported by the Multi-Faith Centre at the University of Derby through its outreach organisation Roma Community Care and their partner agencies. The development of a youth work led approach engaging young Roma is designed to enhance the wellbeing of those young people, not just by providing diversionary activities, but also through its holistic support with whole families. The article draws on youth and community studies examining race and ethnicity unpacked through the medium of social identity. It culminates in an assessment of well being of the young people in the case study correlated with the positive engagement of youth work through informal education, examining the experiences of working directly with young people as well as the conceptual frameworks set out herein.