Long-term unemployed

- Number of institutions offering alternative products (Credit Unions, CDFIs) - Number of institutions offering flexible bank accounts and affordable credit - Percentage of population without a bank account - Percentage of population without access to low cost/affordable credit - Percentage of population without affordable insurance - National demand for affordable credit - Size of payday lender market - Availability of financial and legal support for communities and small businesses - Geographical coverage and social reach of financial institutions - Partnerships among financial serv

- Future debt repayments are covered by income - Has improved level of household and personal debt

- Has improved knowledge of how to draw up a budget - Is able to keep to their budget - Is able to avoid going into their overdraft

- Has developed financial management skills - Has developed an understanding of how to use and manage bank accounts - Has developed an understanding of essential mechanics of finance (credit, debt, interest etc.) - Has developed confidence and aptitude in filling out financial forms

- Has a bank account - Makes appropriate use of savings and insurance products - Makes appropriate use of mainstream financial instruments - Makes informed and appropriate use of credit - Engages with debt management, debt counselling and debt solutions as appropriate - Use of Credit Union services - Use of alternatives to formal accounts (e.g. mobile money)

- Has access to and makes use of financial advice as appropriate

- Has a permanent employment contract (See also under the outcome area “Employment, training and education”) - Has a temporary employment contract for at least 1 year (See also the outcome area “Employment, training and education”) - Has sufficient income 

- Proportion of income spent on housing costs is less than 33% (more than a third is unaffordable) - Proportion of income spent on energy costs is less than 10% (more than 10% is fuel poverty)

- Lives above the poverty line (individuals and households with incomes of less than 60% of their respective medians are beneath the poverty line) - Has income above the Minimum Income Standard - Has sufficient income to cover all necessary outgoings

- Institutional and organizational engagement with stakeholders - Levels of stakeholder choice in relation to their housing and local facilities - Levels of stakeholder choice of services and service providers - Levels of stakeholder involvement in the provision of housing-related services