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Welcome to SCRT's monthly bulletin focusing on social finance; social investment and social banking. JOIN US...If you are interested in our work then why not join our 150+ members and take out SCRT free membership or associate membership.  All organisations and individuals working or volunteering in the Scottish third sector can also open an Anchor Deposit Account offered in conjunction with Airdrie Savings Bank - giving you the opportunity to bank with an ethical bank whilst supporting the Scottish third sector  to grow.


SCRT's banking partner Airdrie Savings Bank has just launched a new Social Mortgage aimed at employees, trustees and volunteers of the Third Sector. Not only does the Social Mortgage give £250 cash back to your organisation for each mortgage approved, it also offers an ethical mortgage choice with Scotland's only mutual bank whose values and ethos aligned to those of the Third Sector.  Read More  

SIS Chief Executive offers his snapshot of how Social Investment in Scotland is developing.

Social Investment Scotland is one of only two CDFI's in Scotland focused on providing social investment to the third sector.  As it celebrates its fifteenth anniversary, CEO Alastair Davis gives his overview on how the social investment scene is developing in Scotland. In particular, SIS highlights the support and investment infrastructure operating in Scotland with specific praise to Highlands and Islands EnterpriseRead More

TFN survey shows charity finance under pressure from a 'Perfect Storm'

A recent survey by TFN shows that the current climate of rising demand for services coupled with a 'massive' drop in income is taking its toil on Scotland's charities. According to the survey at least 80% of those polled expect demand for services to increase over the next year while a majority expect overall income to shrink further. This comes at a time when TFN research shows that our largest charities are struggling to maintain reserves.   More optimistically 27% or respondents have grown their income from trading to offset loss of traditional incomeRead More



Welcome to our monthly Guest Blog.  Each month, SCRT asks an organisation to submit a blog that might be of interest to our members and other readers. The term ‘community shares’ has become somewhat of a buzzword over the past 2 years something that Community Shares Scotland are excited by and hopefully partly responsible for. Since its inception in June 2014, Community Shares Scotland have supported an inspiring variety of groups, raising investment ranging from £20,000 to £1.5 million to purchase harbours; distilleries; cafes; shops and community renewables amongst other thingsRead More Community Shares also has a video that explains how it works

SEUK Chief Executive criticises lack of SE or Co-op reps on Cabinet Office review of mission led businesses.

This article about the recent launch of the Cabinet Office's business review into 'mission led' businesses should concern anyone involved in social enterprise. Firstly is the lack of any social enterprise or Co-op voices on the review panel, but secondly it also highlights how the Cabinet Office defines 'mission led' businesses as ‘profit-driven businesses that make a powerful commitment to social impact’. Whilst SCRT welcomes the move by for profit organisations to adopt more socially/environmentally inclusive approaches, that does not make them social enterprisesRead More

Charity Finance Group criticises BSC business model and calls for change

The Charity Finance Group (CFG) which is the umbrella body for people working in the finance department of charities, has recently criticised Big Society Capital's business model on the grounds that the focus on its own self sustainability is actually preventing it from providing the right type of finance to the sector  “making it harder to get money out of the door and partly explains why there hasn’t been a flood of capital into the sector to help it restructure and transform for the future”Read More

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