Publications

Appleyard, L. and Dibb, S. (2019) Feeling financially squeezed? What we can do to develop financial wellbeing. Coventry University Research Blog.

De Clercq, B (2019) A comparative analysis of the OECD/INFE financial knowledge assessment using the Rasch model. Empirical Research in Vocational Education and Training. Vol 11 Number 8.

De Clercq, B (2019) The ‘Uberisation’ of e-Filing in South Africa. eJournal of Taxation Research. Volume 16 Number 3. pp. 440-473.

Doling, J. (2019) Asset-based welfare strategies and the ‘really big trade-off’,  International Journal of Housing Policy,  https://www.tandfonline.com/doi/full/10.1080/19491247.2019.1573961.

Doling, J. and Ronald, R. (2019) ‘Not for housing’ housing: widening the scope of housing studies, Critical Housing Analysis, Volume 6, Issue 1, pp 22-31,  Not for Housing’ Housing: Widening the Scope of Housing Studies.

Gardner, J. and Kariyawasam, K. (2019) Online Auctions and Consumer Protection in the United Kingdom and Australia: The Value of Transparency, Australian Business Law Review, 47 (4).

Gibbons, D. (2019) Mitigating the consequences of rising household debt (October 2019) – available at https://responsible-credit.org.uk/wp-content/uploads/2020/05/Gibbons_Mitigating-the-consequences-of-household-debt.pdf.

Giordono, L, Jones, M and Rothwell, D. W. (2019) Social policy perspectives on economic inequality in wealthy countries. Policy Studies Journal Yearbook. 47(S1), S96-118.

McHugh, N., Baker, R and Donaldson, C. (2019) Microcredit for enterprise in the UK as an ‘alternative’ economic space, Geoforum, 100, 80-88.

McHugh, N, Baker, R, Biosca, O, Ibrahim, F & Donaldson, C (2019) Who knows best? A Q methodology study to explore perspectives of professional stakeholders and community participants on health in low-income communities, BMC Health Services Research, 19(35), 1-13.

McHugh, N, Biosca, O, Baker, R, Ibrahim, F & Donaldson, C (2019) Innovating on Methods to Understand the Relationship Between Finances and Wellbeing, in Brulé, G and Suter, C Wealth(s) and Subjective Well-being, Springer.

McKay, S., Rowlingson, K. and Overton, L. (2019) Financial Inclusion Annual Monitoring Briefing Paper 2019. University of Birmingham research report for the Friends Provident Foundation and Barrow Cadbury Trust. https://www.birmingham.ac.uk/Documents/college-social-sciences/social-policy/CHASM/financial-inclusion/19003-Financial-inclusion-2019-Briefing-Paper-AWLR.pdf

Pinto-Prades J. L., McHugh N., Donaldson C. and Manoukian, S. (2019) Sequence effects in time trade-off valuation of hypothetical health states, Health Economics, 28 (11), 1308-1319.

Prabhakar, R (2019) 'Increasing taxes on wealth. Lessons from the Welsh government reforms of council tax', IPPR Progressive Review 26 (1), 69-77.

Prabhakar, R (2019) ‘Should basic payment accounts be extended?’, Journal of Poverty and Social Justice, 27(1): 139-144.

Prabhakar, R (2019) ‘Financial Inclusion: a tale of two literatures’, Social Policy & Society, 18(1), 37-50.

Rogers, H & Closs-Davies, S (2019) Funding Prosperity: Creating a new Tax System in Wales, Policy Research Report, Federation of a Small Businesses (FSB) Wales.

Rothwell, D W, Ottusch, T & Finders, J (2019) Asset poverty among children: A cross-national study of poverty risk. Children and Youth Services Review. 96, 409-419.

Sinclair, S, McHugh, N & Roy, M (2019) Social innovation, financialisation and commodification: a critique of social impact bonds, Journal of Economic Policy Reform, 1-17.

Stamp, S & Kearns, M (2019) Accommodating Ethnicity: Addressing Energy Poverty Among Travellers, National Traveller MABS, https://www.citizensinformationboard.ie/downloads/social_policy/MABS_Energy_Poverty_Report_2019.pdf.

Tan, S, Fraser, A, McHugh, N & Warner, M (2019) Widening perspectives on social impact bonds, Journal of Economic Policy Reform, 1-10.

Tan, S, Fraser, A, McHugh, N and Warner, M (2019) Widening perspectives on social impact bonds, Journal of Economic Policy Reform, 1-10.

Van Aardt, C J, De Clercq, B and Meiring, J. (2019) The underlying, non-proximate and proximate determinants of happiness in South Africa: A microeconomic modeling approach. Journal of Economic and Financial Sciences. Volume 12 Issue 1.

CHASM Annual Report 2018

Alexander, P., Balavac, M., Mukherjee, S., Lymer, A. & Massey, D. (2018), ‘Improving tax literacy and tax morale of young adults’, End of project report for Chartered Institute of Taxation. 

Appleyard, L & Dibb, S (2018) 'Responsible Personal Finance: Three Fundamental Questions'. Journal of Social Business, 8 (1) 57-63 DOI: 10.1362/204440818X15208755029564

Evans, C & Joseph, S (2018) ‘General Report: Improving Tax Compliance in a Globalized World’ in Improving Tax Compliance in a Globalised World, Evans C, Pistone P and Rust A (eds), IBFD, The Netherlands.

Fulda, B E & Lersch, P M (2018) ‘Planning Until Death Do Us Part: Partnership Status and Individual Financial Planning Horizon’. Journal of Marriage and Family 80 (2). 409–425. doi: 10.1111/jomf.12458 

Gregory, J., Lymer, A., Espenlaub, S., Khurshed, A. and Mohamed, A. (2018) ‘Homes and wellbeing – breaking down housing stereotypes’, Research report for Vivid Homes.

Lang, R & Fink, M (2018) Rural social entrepreneurship: The role of social capital within and across institutional levels. Journal of Rural Studies, 1-17, DOI: 10.1016/j.jrurstud.2018.03.012

Lang, R & Stoeger, H (2018) The role of the local institutional context in understanding collaborative housing models: Empirical evidence from Austria. The International Journal of Housing Policy, 18(1), 35-54 http://dx.doi.org/10.1080/19491247.2016.1265265

Lersch, P M & Dewilde, C (2018) ‘Homeownership, Saving and Financial Wealth: A Comparative and Longitudinal Analysis’. Housing Studies published online. doi: 10.1080/02673037.2018.1424803

Lymer, A. and Oats, L. (2018) ‘Taxation: Policy and Practice 2018/19 (25th edition), Fiscal Publications, UK.

Lymer, A. (2018), ‘Nudging taxpayer behaviour’, Tax Adviser Magazine, April. 

McKay, S. and Rowlingson, K. Financial Inclusion Annual Monitoring Briefing Paper 2018 and related infographics 

Overton, L. and O’Mahony, L. (2018) Stakeholder Conceptions of Later-Life Consumer Vulnerability in the Financial Services Industry: Beyond Financial Capability?  Journal of Consumer Policy, 41,3, 273-295

Overton, L., O’Mahony, L. and Gibson, M. (2018) ‘The emotional dimension of trading on home in later life: Experiences of shame, guilt and pride’ in S. Bahun and B.Petric (eds.) Thinking Home: Interdisciplinary Dialogues, London: Bloomsbury

Rowlingson, R & Packman, C (2018) 'Problem gambling in Birmingham.  A rapid assessment report.' CHASM and Toynbee Hall Report

Roy, M, McHugh, N & Sinclair, S (2018) A Critical Reflection on Social Impact Bonds, Stanford Social Innovation Review

Sorell, T (2018) ‘Poverty, Exclusion, and the Design of Microfinance Institutions’ in Van Der Hoeven, J, Miller, S and Pogge, T (eds.) Designing In Ethics (Cambridge University Press), pp. 119-140

Stamp, S, McMahon, A & McLoughlin, C (2018) Left Behind in the Cold? Fuel Poverty, Money Management & Financial Difficulty Among Dublin 10 & 20 MABS Clients: 2013 and 2017. Dublin 10 & 20 Money Advice and Budgeting Service (2018). 

CHASM Annual Report (2017)

Arundel, R & Doling, J (2017) ‘The end of mass homeownership? Changes in labour markets and housing tenure opportunities across Europe’, Journal of Housing and the Built Environment, DOI 10.1007/s10901-017-9551-8

Brunsdon, E & May, M (2017) ‘Occupational welfare’ in M Powell (ed) The Mixed Economy of Welfare, 2nd ed, Bristol: Policy Press (forthcoming)

Closs-Davies, S (2017),  Fixing HMRC's performance management system could benefit vulnerable claimants as well as staff, Civil Service World.

Dewilde, C & Ronald, R (eds) (2017) Housing Wealth and Welfare, Cheltenham: Edward Elgar Press

Druta, O & Ronald, R (2017) Intergenerational support for autonomous living in a post-socialist housing market: homes, meanings and practices, Housing Studies (online first).

Druta, O & Ronald, R (2017) Young adults’ pathways into homeownership and the negotiation of intra-family support: A home, the ideal gift, Sociology (online first).

Evans, C, Pistone P & Rust A (eds) (2017) Improving Tax Compliance in a Globalised World, Lind, Austria (accepted for publication September 2016), forthcoming

Evans, C, Hasseldine J, Lymer A & Ricketts R (2017) Comparative Taxation, Fiscal Publications, Birmingham (accepted for publication June 2014), forthcoming.

Evans, C & Krever R (2017) (Forthcoming) “Taxing Capital Gains: A Comparative Analysis and Lessons for New Zealand”, New Zealand Journal of Tax Law and Policy (accepted for publication 13 March 2017).

Smulders, S & Evans, C (2017) (Forthcoming) “Mitigating VAT compliance costs – A developing country perspective”, Australian Tax Forum (accepted for publication 11 January 2017).

Highfield R, Walpole M & Evans C (2017) (Forthcoming) “A proposal for the development and testing of a diagnostic tool for assessing VAT compliance costs”, International VAT Monitor (accepted for publication 16 December 2016).

Sherwood J, Evans C & Tran-Nam B (2017) “The Office of Tax Simplification: The way forward?”, British Tax Review, No 2 (2017), pp 458-476.

Gardner, J, Rowlingson, K, & Appleyard, L (2017) Response to FCA Call for Input: High-cost credit, including review of the high-cost short-term credit price cap, University of Birmingham

Gregory J, Lymer A, Espenlaub S, Khurshed A & Muhamed A (2017) Homes & Wellbeing: Breaking down housing stereotypes, VIVID Summary Research Report.

Lennartz, C & Ronald, R (2017) Asset-based welfare and social investment: Competing, compatible, or complementary social policy strategies for the new welfare state? Housing, Theory and Society 34(2), p.201-220.

May, M & Brunsdon, E (2017) ‘Making work pay: The role of workplace financial services in the UK,’ CHASM Briefing Paper, University of Birmingham (forthcoming)

Ona, D & Lymer A (2017), The evidence: what psychologists say about tax compliance, Tax Adviser Magazine, April.

Overton, L & Fox O'Mahony, L (2017) Understanding Attitudes to Paying for Care Amongst Equity Release Consumers: Citizenship, solidarity and the 'hardworking homeowner' Journal of Social Policy, 46, 1, 49–67 doi:10.1017/S0047279416000416

Overton, L, O’Mahony, L & Gibson, M (2017 forthcoming) ‘The emotional dimension of trading on home in later life: Experiences of shame, guilt and pride’ in Thinking Home (ed. Sanja Bahun and Bojana Petric) Home Studies Series, Palgrave.

Prabhakar, R, Lymer, A & Rowlingson, K (2017) ‘Does information about wealth inequality and inheritance tax raise public support for wealth taxes? Evidence from a UK survey’, in Building Trust in Taxation eds Peeters, B, Gribnau, H and Badisco, J, Cambridge: Intersentia.

Rowlingson, K and McKay, S (2017) Financial Inclusion Annual Monitoring Report 2017, University of Birmingham.

Rowlingson, K, Joseph, R & Overton, L (2017), Inter-generational financial giving and inequality: Give and take in 21st century families, Palgrave Macmillian.

Ronald, R, Lennartz, C & Kadi, J (2017), What ever happened to asset-based welfare? Shifting approaches to housing wealth and welfare security, Policy & Politics 45(2), p.173-193.

Zhou, J & Ronald, R  (2017) Housing and welfare regimes: Examining the changing role of public housing in China, Housing, Theory and Society (online first). 

Appleyard, L, Rowlingson, K and Gardner, J (2016) ‘The variegated financialization of sub-prime credit markets’, Competition & Change, 20, 5, 297-313.

Brunsdon, E and May, M (2016). ‘Occupational welfare’ in P. Alcock, T Haux, M. May and S. Wright (eds.) The Student’s Companion to Social Policy, 5th ed., Chichester: Wiley-Blackwell.

Brunsdon, E and May, M (2016). The Student’s Companion to Social Policy Website, Chichester: Wiley-Blackwell, comprising: ‘A Guide to Key Sources on UK Social Policy’; ‘A Guide to Key Sources in European and International Welfare Systems’; ‘Career Opportunities and Postgraduate Study in Social Policy’; ‘Managing Assignments in Social Policy’; ‘Illustrations of Essay and Report Writing in Social Policy’, Glossary and Helpsheets. 

Gergory, J, Rowlingson, K and Lymer, A (2016) Savings for All: A Manifesto for an Inclusive Savings Agenda (2MB), University of Birmingham. 

Gregory, L (2016) Creating Life Savers: Exploring the formulation and implementation of the LifeSavers financial education programme, University of Birmingham.

Kalmi, P,  Heikkilä, A and Ruuskanen, O (2016). ‘Social Capital and Access to Credit: Evidence from Uganda’, Journal of Development Studies. 

Kalmi, P and Ruuskanen, O (2016). Suomalaiset pärjäävät taloudellisessa tietämyksessä ja käyttäytymisessä kansainvälisessä vertailussa. Tuloksia edustavasta otoksesta suomalaisia (Finns Do Well in Financial Knowledge and Behavior in an International Comparison. Results from a Representative Sample of Finns). Finnish Journal of Economics 112(1), 6-21 . 

May, M (2016).‘Comparative analysis’ in P. Alcock, T.Haux, M. May and S. Wright (eds.) The Student’s Companion to Social Policy, 5th ed., Chichester: Wiley-Blackwell.

May, M (2016). The Student’s Companion to Social Policy, 5th ed., Chichester: Wiley-Blackwell (lead editor; co-edited with P. Alcock, T Haux and S. Wright).

Rowlingson, K and McKay, S (2016) Financial Inclusion Annual Monitoring Report 2016, University of Birmingham

Rowlingson, A, Gregory, J and Lymer, A (2016), 'Birmingham Savings Summit: Towards a savings manifesto for lower-income households'.

Rowlingson, K. Appleyard, L. and Gardner, J. (2016) Payday lending in the UK: the regul(aris)ation of a necessary evil? Journal of Social Policy, Available on CJO 2016 doi:10.1017/S0047279416000015.  

Rowlingson, K (2016) 'You can't take it with you when you die': wealth, intestacy rules and inheritance tax’ in Woodthorpe, K and Foster, L (eds) Death and Social Policy in Challenging Times, Palgrave Macmillan.

Rowlingson, K, Gardner, J and Appleyard, L (2016) Responsible Lending in the UK: What Role Does the State Play? In Ferretti, F. (ed.). Comparative Perspectives of Consumer Over-Indebtedness: A view from the UK, Germany, Greece, and Italy. Eleven International Publishing.

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

Rowlingson, K and McKay, S (2015) Financial Inclusion Annual Monitoring Report 2015, University of Birmingham.

Appleyard, L, Rowlingson, K and McKay, S (2015) 'Financial Inclusion', 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?

Chaudhry, S.M., et al., (2015) Balancing the regulation and taxation of banking, International Review of Financial Analysis
http://dx.doi.org/10.1016/j.irfa.2015.01.020

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

Gardner, J and Rowlingson, K (2015 forthcoming) '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.

McKay, S and Rowlingson, K (2015) Social security under the coalition and Conservatives: shredding the system for people of working age; privileging pensioners in Bochel, H and Powell, M (eds) The Coalition government and social policy,  Bristol, The Policy Press.

Mullineux, A (2015) Banking for the public good, International Review of Financial Analysis.

Mullineux, A (2015) Taxing banks fairly, International Review of Financial Analysis.

Overton, L and O'Mahoney, LF (2015) Consumer Demand for Retirement Borrowing.

Overton, L and O'Mahoney, LF (2015), The Future of the UK Equity Release Market: Consumer Insights and Stakeholder Perspectives.

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.

Stamp, S and Daly, L (2015). A Review of National Traveller MABS supported Caravan Loan Guarantee schemes. National Traveller, MABS.

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.

May, M and Alcock, P (2014). Social Policy in Britain, 4^th ed., Basingstoke: Palgrave Macmillan.

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.

Stamp, S (2014). The Over-Indebtedness Of European Households: Updated Mapping Of The Situation, Nature And Causes, Effects And Initiatives For Alleviating Its Impact: Final Report - co-researcher with CIVIC Consulting Alliance (Berlin) and the Personal Finance Research Centre (University of Bristol). Berlin: Civic Consulting for the Eiropean Commission. 

• Part 1: Synthesis of findings. Berlin: CIVIC Consulting for the European Commission.
• Part 2: Country Reports (see Ireland: pp.242-280)

Stamp, S and Joyce, P (2014). Redressing the Imbalance: a study of legal protections available for consumers of credit and other financial services in Ireland’. Free Legal Advice Centres. 

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

• Read the full report (PDF)
• Read the Executive Summary (PDF)
• What do the public think about the wealth gap? (PDF)

Kalmi, P,  Heikkilä, A and Ruuskanen, O (2013). ‘Accessing Credit from Banks, Microfinance Institutions and Informal Groups: What is the Role of Social Capital?’, in Robert Cull, Asli Demirguc-Kunt and Jonathan Morduch (eds.), Banking the Poor, World Bank / MIT Press, 2013, 447-66.

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.

Stamp, S, McMahon, A and McLoughlin, C.(2013). 'A Profile of the Clients of Dublin 10 & 20 MABS, and the Extent and Nature of their Financial Difficulties, with a Focus on Utility Debt.’ Dublin 10 & 20 Money Advice and Budgeting Service. 

Stamp, S, Boyle, M and Murray, C (2013). 'Debt and Dying: Understanding and addressing the impact of funeral costs for Travellers in Ireland’. National Traveller MABS.

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.

Stamp, S (2012). ‘Issues of Personal Finance within the Traveller Community’, (Ed) National Traveller MABS. 

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.

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

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.

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