Understanding and Combating Financial Exclusion and Overindebtedness in Ireland: A European Perspective
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Speakers: Georges Gloukoviezoff (author), Paul Joyce (FLAC) and Pat Farrell (IBF)
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Date: Tuesday 18 October 2011 at 10.30am
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Venue: Trinity College Dublin
Seminar to launch the publication of Understanding and Combating Financial Exclusion and Overindebtedness in Ireland: A European Perspective a new study by Trinity College's Policy Institute and funded by the Social Inclusion Division, Department of Social Protection.
The study was launched by Patrick Honohan, Governor of the Central Bank.
- Blue Paper
- Programme
- Presentations
- Speaker Biographies
Blue Paper
All Blue Papers are available for purchase from the Policy Institute for €10. To place an order please email policy.institute@tcd.ie indicating the Blue Paper title, reference number and required quantity. A PDF version of the document can be accessed below:
Programme
The report 26th publication in Policy Institute’s Studies in Public Policy series examines how Ireland could promote financial inclusion. It provides an in-depth analysis of the responses implemented in the United Kingdom, France and Belgium and assesses what policies would be appropriate in an Irish context. The paper sets out guidelines to address access to basic banking services and affordable credit as well as appropriate responses to overindebtedness. The report was funded by the former Combat Poverty Agency, now the Social Inclusion Division of the Department of Social Protection.
The report author, Georges Gloukoviezoff, provided an overview of the key findings in the report. Following this panelists Pat Farrell (IBF) and Paul Joyce (FLAC) responded to his presentation and provided comments related to access to basic banking services and overindebtedness respectively.
Presentations
Speaker Biographies
Pat Farrell
Pat Farrell has been Chief Executive of IBF since January 2004. IBF is the principal representative body for banking and financial services with a membership of 80 banks and associates, including all retail banks and mortgage lenders and the leading international banks based at the IFSC. Pat is a member of the Department of the Taoiseach's Clearing House Group and is Chairman of the IFSC Ireland Steering Group. He is also a member of the Executive Committee of the European Banking Federation, who represent the interests of commercial banks across Europe.
Georges Gloukoviezoff
Georges Gloukoviezoff has a PhD in Economics and specialises in financial inclusion and overindebtedness. His work deals with difficulties of access to basic banking services, overindebtedness as well as potential solutions such as basic bank accounts, microcredit and financial regulation. He is a former Visiting Research Fellow at The Policy Institute and has been involved in numerous research projects at national and European level. In 2010 his book on financial exclusion was published in France: "L'exclusion bancaire. Le lien social à l'épreuve de la rentabilité" (Presses Universitaires de France). He is Director of G2 Research (Dublin, Ireland) and member of the board of the National Observatory of Poverty and Social Exclusion (Paris, France).
Patrick Honohan
The tenth Governor of the Central Bank of Ireland, Patrick Honohan, was appointed on 26 September 2009. Before his appointment as Governor, he was Professor of International Financial Economics and Development at Trinity College Dublin from 2007. Prior to this, he spent almost a decade at the World Bank where he was Senior Advisor on financial sector policy. He was previously Research Professor with the Economic and Social Research Institute, Dublin (1990-98), Economic Advisor to Taoiseach Garret Fitzgerald (1981-82 and 1984-86) and he spent several years as an economist at the Central Bank of Ireland (1976-81 and 1984-86), and at the International Monetary Fund (1971-73). A graduate of University College Dublin, he received his Ph.D. in Economics from the London School of Economics in 1978. He has taught Economics at the LSE and at the University of California-San Diego, the Australian National University and University College Dublin, as well as at Trinity College. In recent years, his research has mainly focused on monetary and financial sector policy.
The appointment of the Governor of the Central Bank of Ireland is made by the President for a seven year term.
Paul Joyce
Paul Joyce, BCL, BL is Senior Policy Researcher with Free Legal Advice Centres Ltd. Paul is the author of both FLAC reports on debt and the legal system in Ireland, 'An End based on Means' published in May 2003 and 'To No One's Credit' published in July 2009, and numerous policy submissions. He is a former member of the Financial Services Ombudsman's Council and served as a member of the Cooney Expert Group on Mortgage Arrears and Personal Debt in 2010.
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