Financial Inclusion


FINI Launch Dec 10
Left to right: Mick McAtavey Chief Officer, Citizens Advice Belfast, Liz Dugdale, Area Director Citizens Advice West, Annabel Knight, Calouste Gulbenkian, Anna Lo MLA, Peter O'Hare, Financial Inclusion Officer, Citizens Advice Belfast, Julie Gibbs, ICAR
CAB Belfast


On Monday 6th December 2010 ICAR Research Report 'Financial Inclusion amongst New Migrants in Northern Ireland' was officially launched at Citizens Advice Belfast's AGM, held in the Long Gallery at Stormont. The research examines the nature of financial exclusion amongst new migrants in Northern Ireland and develops policy recommendations to promote financial inclusion in the future. 

The project ran in parallel with a practical intervention by CAB Belfast, which aimed to improve financial advice to new migrant communities in Northern Ireland. Both parts of the project were funded by the Calouste Gulbenkian Foundation. This intervention has been evaluated by ICAR and the evaluation results are included in the full project report.


The central aim of the research was to identify the main issues affecting financial inclusion amongst new migrant communities in Northern Ireland (NI) and explore strategies for addressing these issues. From this principal aim the following objectives emerge:

  • Scope the extent of financial inclusion amongst new migrant communities in NI
  • Assess the causes and effects of financial exclusion and the barriers to greater inclusion
  • Explore the efficacy of formal financial products for this group and the use of alternative informal financial services amongst migrant communities
  • Evaluate the relevance of existing financial inclusion policies, including initiatives specific to Northern Ireland and the UK Treasury's Financial Inclusion Action Plan 2008-11, for the particular situation of new migrant communities
  • Explore complimentary or alternative policy approaches and practical initiatives to address the main issues of financial inclusion as identified 
  • Provide evidence on the issues of financial inclusion amongst new migrants applicable to the UK more generally

CAB Belfast press release

ICAR Contact: Julie Gibbs

Last Updated: 23/02/11


ICAR is based at the Runnymede Trust.



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