Publications

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The Centre on Household Assets and Savings Management have produced a range of publications, briefing papers and e-Bulletins.

Publications

2015

Appleyard, L, Rowlingson, K and McKay, S (2015) 'Financial Inclusion', In Defence of Welfare II, Social Policy Association.

Gardner, J and Rowlingson, K. (2015) High–cost credit and welfare reform  In Defence of Welfare II, Social Policy Association

Gregory, L. and Joseph, R. (2015) Big Society or welfare failure: How does food insecurity reflect future welfare trends? In Defence of Welfare II, Social Policy Association

Appleyard, L, Gardner, J and Rowlingson, K (2015), Introducing a time delay on access to credit. Is it just delaying the inevitable?

Gardner, J and Rowlingson, K (2015 forthcoming) 'High cost credit and welfare reform', In Defence of Welfare II, Social Policy Association.

Rowlingson, K (2015) The Benefits Cap doesn't work: here's why, The Conversation, 29 January 2015

Rowlingson, K, Lymer, A and Prabhakar, R (2015) New survey research on public attitudes to wealth taxes, Birmingham: University of Birmingham, CHASM Briefing Paper.

2014

Doling, J and Ronald, R (eds)(2014) Housing East Asia: Socioeconomic and Demographic Challenges, Basingstoke and New York: Palgrave Macmillan.

Gregory, L (2014), Future Considerations in Paying for Funerals. CHASM Briefing Paper. Birmingham: University of Birmingham.

Kadi, J and Ronald, R (2014) Market based housing reforms and the 'right to the city': the variegated experiences of New York, Amsterdam and Tokyo. International Journal of Housing Policy, 14(3) pp 268-292.

Lee, H and Ronald, R (2014) Expansion, diversification and hybridization in South Korean public housing, in D Mullins, D Czischke and G van Bortel (eds) Hybridizing Housing Organisations: Meanings, Concepts and Processes of Social Enterprise in Housing, London and New York: Routledge.

Ronald, R (2014) Ethnography and comparative housing research, in M Stephens and M Norris (eds) Meaning and Measurement in Comparative Housing Research, London and New York: Routledge.

Rowlingson, K, Appleyard, L and Gardner, J (2014) Capping the cost of payday lending in the UK: What will the impact be? Birmingham: University of Birmingham.

Rowlingson, K, Appleyard, L and Gardner, J (2014) Response to the Financial Conduct Authority Consultation on Payday Lending, Birmingham: University of Birmingham.

Rowlingson, K and McKay, S (2014), Financial Inclusion: Annual Monitoring Report 2014, Birmingham: University of Birmingham

Rowlingson, K (2014) IMF's win-win scenario: When redistribution equals growth. The Conversdation, 5 March 2014.

Rowlingson, K (2014) Hard Evidence: Is Osborne 'hacking away at the same people'? The Conversation, 8 January 2014.

Rowlingson, K (2014) Winter chill hits people of working age as benefits are frozen, response to Autumn Statement, The Conversation, 3 December 2014

Rowlingson, K (2014) Should people on low incomes be encouraged to save during an economic down-turn? Birmingham: University of Birmingham, CHASM Briefing Paper.

2013

Appleyard, L (2013) 'Financial Inclusion and CDFIs in the West Midlands, UK'. Regional Studies, doi: 10.1080/00343404.2012.748979.

Birmingham Policy Commission on the Distribution of Wealth, 'Sharing our Good Fortune: Understanding and responding to wealth inequality

McKay, S and Rowlingson, K (2013) 'Income Maintenance and Taxation' in Bochel, H, Bochel, C, Page, R and Sykes, R (eds) Social Policy Developments and Change, 3rd edition, Pearson Education.

Ronald, R (2013) Housing policy in East Asia, in M Izuhara (ed), Handbook on East Asian Social Policy, Cheltenham: Edward Elgar.

Ronald, R (2013) Housing Finance, Costs and Affordability, in C G Bates and J Ciment, Global Social Issues: An Encyclopaedia, Armonk NY: Sharpe Reference.

Ronald, R and Kyung, S (2013) Housing system transformations in Japan and South Korea: divergent responses to neo-liberal forces, Journal of Contemporary Asia, 43(3) pp 452-474.

Ronald, R and Nakano, L (2013), Single women and housing choices in urban Japan, Gender, Place and Culture, 20(4) pp 451-469.

Ronald, R (2013) Housing and welfare in Western Europe: transformations and challenges for the social rented sector, LHI Journal of Land, Housing and Urban Affairs, 41(1) pp 1-13.

Rowlingson, K and McKay, S (2013) Financial Inclusion: Annual Monitoring Report 2013, Birmingham: University of Birmingham

Rowlingson, K and McKay, S (2013) What do the public think about the wealth gap?

Rowlingson, K (2013) Why doesn't work pay? Birmingham Brief, December 2013.

Rowlingson, K (2013) Lowest paid face biggest decline in living standards since 1850, The Conversation, 17 December 2013.

Rowlingson, K (2013) Policy briefing: Where now for financial inclusion? Discover Society, 1 October 2013.

Rowlingson, K (2013) Short of cash, rent and food - Britons in dire financial straits, The Conversation, 25 July 2013. 

Rowlingson, K (2013) Waiting for the Great Recession train to crash: How the poorest are about to be hit the hardest, and how we can prevent this, LSE Politics and Policy Blog, 18 June 2013.

2012

Alcock, P, May, M and Wright, S (eds) (2012), The Student's Companion to Social Policy, 4th edition, Chichester: Wiley-Blackwell.

Appleyard, L (2012) 'Review Article: Household Finances Under Pressure: What is the role of social policy', 11, 1: 131-140.

Appleyard, L and Rowlingson, K (2012) 'Children and financial education: challenges for developing financial capability in the classroom'. Social Policy and Society, doi: 10:1017/S1474746412000644. 

Brunsdon, E and May, M (2012) 'Occupational welfare' in Alcock, P, May, M and Wright, S (eds) The Student's Companion to Social Policy, 4th edition, Chichester Wiley-Blackwell.

Doling, J and Ronald, R (2012) 'Meeting the income needs of older people in East Asia: using housing equity'. Ageing & Society, 32, 471-490.

Doling, J and Omar, R (2012), 'Home Ownership and Pensions in East Asia: The Case of Malaysia'. Population Ageing, 5, 67-85.

Jones, P and Joseph, R (forthcoming) 'Mentoring refugee community researchers in the UK: An empowerment tool?' In J Phillimore and L Goodson (eds) Community research for participation: From theory to method, Bristol: Policy Press.

Joseph, R (2012) 'Funding Caribbean retirement migration: Housing welath leakage and the role of overseas land inheritances', Journal of Ethnic and Migration Studies, 38(4), 613-629.

Joseph, R and Rowlingson, K (2012) 'Her Introduction Houshold Finances under Pressure: What is the role of Social Policy?', Journal of Social Policy & Society, 11, 1, 67:68.

Joseph, R and Rowlingson, K (2012) 'Her house, his pension? The division of assets among (ex-) couples and the role of policy', Journal of Social Policy & Society, 11, 1, 69-80.

Lee, H and Ronald, R (2012) Expansion, diversification and hybridization in South Korean public housing, Housing Studies, 27(4) pp 495-513.

Mullineaux, A (2012) 'Taxing Banks Fairly', International Review of Financial Analysis 25, 154-158.

Mullineux, A (2012), UK Banking after Deregulation, Routledge Library Editions: Banking and Finance, volume 23. Abingdon: Oxford. 

Mullineux, A, Ul-Haq,  R, Howcroft, B J and Carr, C (2012), 'Bank Internationalisation, Risk Transference, and Risk Management. The European Finance Review, April-May, pp2-3.

Mullineux, A, Dinh, M and Muriu, P (2012), Macroeconomic Factors influencing UK Household Loan Losses. Journal of Financial Regulation and Compliance, Volume 20, Issue 4, 2012 (forthcoming).

Mullineux, A (2012) Business Cycles and Financial Crises, Bookboon.com.

Mullineux, A (2012) 'The Governance of Too Big to Fail Banks' in Barth, J, Chen, L and Wihborg, C (eds), Research Handbook on International Banking Governance, London: Elgar publishing.

Ronald, R (2012) Contractual Saving Schemes for Housing. In S Smith (ed), The Encyclopaedia of Housing and Home. Oxford: Elsevier.

Ronald, R and Tsenkova, S (2012) The Purpose and Place of Housing Institutions. In S Smith (ed) International Encyclopaedia of Housing and Home. Oxford: Elsevier.

Ronald, R and Doling, J (2012) Testing home ownership as the cornerstone of welfare: lessons from East Asia for the West. Housing Studies, 27(7) pp 940-961.

Ronald, R and Lee, H (2012) Housing policy socialization and de-commodification in South Korea, Journal of Housing and the Built Environment, 27(2) pp 111-131.

2011

Appleyard, L. (2011) 'Community Development Finance Institutions (CDFIs): Geographies of Financial Inclusion in the US and UK'.  Geoforum, 42(2) 250-258.

Appleyard, L and Rowlingson, K (2011), 'Housing and economic inequality' in Sim, D and Anderson, I (eds) Housing and Social Inequality. CIH/HAS.

Brunsdon, E and May, M (2011) ' The debate about public service occupational pension reform' in C Holden, M. Kilkey and G. Ramia (eds.), Social Policy Review 23, Bristol: Policy Press.

Cox, P (2011) 'The provision of information to members of defined contribution schemes - A review of existing research'. Prepared for JP Morgan

Cox, P (2011) Risk sharing in defined contribution pension schemes, Journal of Risk, Editorial, Special Issue, Spring.

Gregory, L and Drakeford, M (2011) 'Just another financial institution? Tensions in the future of credit unions in the UK', Journal of Poverty and Social Justice, 19(2) pp 117-129.

Hall, S and Appleyard, L (2011), 'Commoditising learning: cultural economy and the growth of for-profit business education service firms in London'.  Environment and Planning A, 43(1) 10-27.

McKay, S (2011) Understanding Financial Capability in Canada: Analysis of the Canadian Financial Capability Survey (pdf; opens in new window)

McKay, S (2011) Review of the child material deprivation items in the Family Resources Survey - Research Report Department for Work and Pensions.

McKay, S and Rowlingson, K (2011) 'The religion of inequality' in Holmwood, J (editor) Manifesto for the public university. London: Bloomsbury.

McKay, S and Rowlingson, K (2011), 'Social Security and Welfare Reform' in Bochel, H (ed) The Conservatives and Social Policy, Bristol: The Policy Press.

McKay, S and Rowlingson, K (2011 - forthcoming), 'The Religion of Inequality' in Holmwood, J (ed) A Manifesto for the Public University, London: Bloomsbury.

Mullineux, A (2011), 'Governing Banks: A British Perspective', International Journal of Banking and Finance 8(2), 1-18.

Mullineux, A (2011), 'The Public Duties and Social Responsibilities of Big British Banks', International Advances in Economic Research, 17(4) 436-450.

Rowlingson, K (2011), 'All in this together? Reflections on wealth, the wealthy and fairness' in Yeates, N, Haux, T, Jawad, R and Kilkey, M (eds) In defence of welfare: The impact of the spending review (pdf; opens in new window).

Rowlingson, K (2011), Does income inequality cause health and social problems? York: Joseph Rowntree Foundation

Rowlingson, K and Connor, S (2011), 'The 'deserving' rich? Inequality, morality and social policy' in Journal of Social Policy, 40, 3, 437-452.

Rowlingson, K and McKay, S (2011), Wealth and the wealthy: Exploring and tackling inequalities between rich and poor, Bristol: Policy Press.

2010

Appleyard, L. and Rowlingson, K. (2010), Home ownership and the distribution of personal wealth: a review of the evidence.  Joseph Rowntree Foundation.

Cox, P (2010) Is US socially responsible investing global or local in perspective? A study of US pension plan investment in the UK. Business & Society, 49(2) pp 252-289.

Doling, J. and Ronald, R. (2010) ‘Home-ownership and asset-based welfare’. Journal of Housing and the Built Environment, 25 (2) 165-173

Doling, J. and Ronald, R. (2010) ‘Property-based welfare and European homeowners: how would housing perform as a pension?’ Journal of Housing and the Built Environment, 25 (2) 227-241.

Drakeford, M and Gregory, L (2010), 'Asset-based welfare and youth justice: making it local'; in Brayford, J, Cowe, F and Deering, J (eds) What Else Works? Creative Work with Offenders. Devon: Willian Publishing pp 155-168.

Gregory, L (2010) 'An Opportunity Lost? Exploring the benefits of the Child Trust Fund on youth transitions into adulthood'; Youth and Policy 106 pp 78-94.

Joseph, R. (2010).  'Global Transmissions of Housing Wealth and Return Migration', Policy Press.  In: Izuhara, M. ed. Ageing and Intergenerational Relations: Family Reciprocity from a global perspective. Bristol

Joseph, R. (2010). Housing Wealth Leakage, In: Doling, J., Elsinga, M. and Ronald, R., eds. Home ownership Part III, Amsterdam, Netherlands: IOS Press.

Lymer, A and Oates, L (2010), Taxation: policy and practice.  Sixteenth Edition 2009/2010.  Birmingham: Fiscal publications.

Lymer, A. and Troshani, I. (2010) 'Translation in XBRL standardisation', forthcoming in Information, Technology and People, 6(2) p 136-164.

Lymer, A. and Rowbottom, N. (2010) 'Exploring the use and users of narrative reporting in the online annual report', forthcoming in Journal of Applied Accounting Research, 11(2) p 90-108.

McKay, S (2010), Using the new Family Resources Survey question block to measure material deprivation amoung pensioners (pdf; opens in new window).  DWP, Working paper 89.

McKay, S (2010), The effects of twins and multiple births on families and their living standards.  TAMBA.

Mullineux, A. (2010) ‘Is there an Anglo-American corporate governance model?’ International Economics and Economic Policy, DOI: 10.1007/s10368-010-0151-2 

Mullineux, A. (2010) 'Financial Innovation and Social Welfare'.  Journal of Financial Regulation and Compliance 19(3) 243-256.

Mullineux, A. Murinde, V. and Sensarma, R. (2010) ’Corporate financing and macroeconomic volatility in the European union’. International Economics and Economic Policy, DOI: 10.1007/s10368-010-0152-1

Overton, L (2010), Housing and Finance in Later Life: A study of UK equity release customers.  London: Age UK.

Szmigin, I and O'Loughlin, D (2010), Students and the Consumer Credit Market: Towards a Social Policy Agenda, Social Policy and Administration, 44(5) 598-619

2009

Doling, J. (2009) ‘Home ownership as wealth over the lifecycle’. Briefing 1. http://www.demhow.bham.ac.uk/reports/C1.pdf 

Doling, J. (2009) ‘How would housing perform as a pension?’ Briefing 2. http://www.demhow.bham.ac.uk/reports/C2.pdf

Gregory, L (2009) 'Spending Time Locally: The Benefits of Time Banks for Local Economies'; Local Economy 24 (4) pp 323-333.

Hall, S. and Appleyard, L. (2009) ‘‘City of London, City of Learning’? Placing business education within the geographies of finance’. Journal of Economic Geography, 9 (5) 597-617

Hall, S. and Appleyard, L. (2009) ‘Commoditising Learning: Cultural Economy and the Growth of For-profit Educational Service Firms’. Working Paper. http://www.lboro.ac.uk/gawc/rb/rb329.html

Lymer, A. and Jelfs, P. (2009) 'Taxpayer response to the recent 'flat tax' UK Capital Gains Tax (CGT) reform and the implication for tax law simplification', IRS Research Bulletin, 63-84

Lymer, A. and Rowbottom, N. (2009) 'Exploring the use of online corporate reporting information', Journal of Emerging Technologies in Accounting, 6 (1)27-45

Lymer, A. and Rowbottom, N. (2009) 'Exploring the use of online corporate sustainability information'.  Accounting Forum, 33 (2) 176-186

Mullineux, A. (2009) “The Regulation of British Retail Banking Utilities”, Journal of Financial Regulation and Compliance, 17 (4) 453-466.

Mullineux, A. Binner, J. M. Rakesh K. Bissoondeeal, C. Elger, T. and Jones, B. E. (2009) ‘Admissible Monetary Aggregates for the Euro Area’. Journal of International Money and Finance, 28, 99-114.

Rowlingson, K. and Joseph, R. (2009), Assets and debts in couples (pdf; opens in new window), London: Friends Provident Foundation.

Szmigin, I. and O'Loughlin, D. (2009), Exposing the Credogenic Environment: Where does responsibility lie?, Advances in Consumer Research, Vol. 36, Ann L. McGill and Sharon Shavitt, Duluth, Mn: Association for Consumer Research.

2008

Alcock, P., May, M. and Rowlingson, K. (eds) (2008), The Student's Companion to Social Policy, Oxford: Blackwell Publishing Ltd.

Drakeford, M and Gregory, L (2008), 'Anti-Poverty practice and the changing world of credit unions: new tools for social workers'; Practice: Social Work in Action 20(3) pp 141-150.

Drakeford, M and Gregory, L (2008) 'Avoiding sub-prime lenders: credit unions and their diversification in Wales'; Research Policy and Planning 26(2).

McKay, S. and Rowlingson, K. (2008) 'Social Security and Welfare Reform' in Powell, M. (ed) Modernising the Welfare State: the Blair Legacy, Bristol: The Policy Press.

McKay, S. and Rowlingson, K. (2008) 'Social security and income maintenance' in Alcock, P. May, M. and Rowlingson, K. (eds) Companion to Social Policy, 3rd edition, Oxford: Basil Blackwell

McKay, S. (2008)  Measuring material deprivation among older people: Methodological study to revise the Family Resources Survey questions  DWP Working Paper No 54

McKay, S. (2008) Exploring disability, family formation and break-up: Reviewing the evidence  (DWP Research Report No 514)

McKay, S. (2008) Debt and Older People, how age affects attitudes to borrowing. Report for Help the Aged

Mullineux, A. (2008) ‘British Banking Regulation and Supervision: Between a Rock and a Hard Place’, International Economics and Economic Policy, 4, 363-370.

Prabhakar, R. Rowlingson, K. and White, S. (2008) How to Defend Inheritance Tax, London: Fabian Society

Rowlingson, K. (2008) ‘Is The Death of Inheritance Tax Inevitable?  Lessons from America’. Political Quarterly, 79 (2) 153-161

Rowlingson, K. (2008) ‘Wealth’ in Ridge, T. and Wright, S. (eds) Understanding Poverty, Income and Wealth, Bristol: The Policy Press

Rowlingson, K. and McKay, S. (2008) ‘Debt and savings’ in Strelitz, J. and Lister, R. Why Money Matters: Family Income, Poverty and Children’s Lives, London: Save the Children Fund

Rowlingson, K. and McKay, S. (2008) 'Income Maintenance and Taxation' in Bochel, H. Bochel, C. Page, R. and Sykes, R. (eds) Social Policy Developments and Change, 2nd edition, Pearson Education

Rowlingson, K. (2008) 'From Cradle to Grave: Social Security over the Life Course' in Millar, J. (ed) Understanding Social Security, 2nd edition, Bristol: The Policy Press