PROJECT TITLE: Financial Exclusion in the UK

UNIVERSITY OF CENTRAL LANCASHIRE

PhD Bursary
Lancashire Business School
Reference No RB-12-LBS2

PROJECT TITLE: Financial Exclusion in the UK 

Applications are invited for a full-time bursary available in the
 Lancashire Business School.  The
bursary is tenable for up to 3 years for a PhD (via MPhil route) [subject to
satisfactory progress] and is open to both Home, EU and International
students. The bursary will cover the cost of tuition fees at the Home/EU
rate.  International students will be required to fund the difference
between the Home/EU and International fee rate.  The successful applicant
will commence on 1 January 2013. Please note deferred starts from this date
will not be permitted.  

PROJECT DESCRIPTION:

The conjuncture of elements of the recent financial crises has returned the
access to finance agenda across Western economies, including the UK.
Shrinking economic growth and changes in the welfare system are likely to
exacerbate the financial stress faced by  financially vulnerable residents.
Broadly, the financial exclusion is  conceived as the  exertion or
averseness to access mainstream financial services. The statistics reveal
that in the UK, around 1.5 million adults do not have access to a bank
account; 7.8 million people are unable to access mainstream credit; and
people on benefits borrow an  estimated £330  million a year on home credit,
paying £140 million in interest. The indubitable link between financial and
social exclusion, as well on its impact on poverty and inequality debates
obliges appropriate analytical investigations into the nature  and  causes
of financial exclusion. Furthermore, despite the large advances in defining
and  measuring financial exclusion, the depiction of its determinants using
cutting-edge methodologies is still in its infant stage.

This research project is designed to advance our understanding of (1)
determinants of  financial exclusion in the UK, (2) interaction between
different forms of financial exclusion in the UK and (3) critical analysis
of required regulatory and protection measures to enhance financial
inclusion.
Applicants should have, or expect to receive a minimum of UK 2:1 honours
degree (or equivalent) in a relevant subject area. 

Informal project related enquiries may be directed to Dr Thankom Arun email
[email protected] Tel 01772 894546

Application Forms can be found at: www.uclan.ac.uk/Bursaries

Completed application forms should be emailed to [email protected]

The closing date for applications to the Graduate Research School Office:

Thursday 13 September 2012 12 Noon British Summer Time Please note
incomplete applications will not be processed  

THESE BURSARIES ARE NOT OPEN TO EXISTING UCLAN RESEARCH STUDENTS


Thankom Arun PhD
Director, Institute of Global Finance and Public Policy Lancashire Business
School The University of Central Lancashire, UK


Pulapre Balakrishnan
Director
Centre for Development Studies
Ulloor, Thiruvananthapuram
Phone- +91-471-2442116
Fax - +91-471-2447137
www.pulapre.balakrishnan.in