Credit and community: working class debt in the UK since 1880

This book examines credit in working class communities since 1880, focusing on forms of borrowing that were dependent on personal relationships and social networks. It provides an extended historical discussion of credit unions, legal and illegal moneylenders (loan sharks), and looks at the concept of ‘financial exclusion’. Initially, the book focuses on the history of tallymen, check traders, and their eventual movement into moneylending following the loss of their more affluent customers, due to increased spending power and an increasingly liberalized credit market. They also faced growing competition from mail order companies operating through networks of female agents, whose success owed much to the reciprocal cultural and economic conventions that lay at the heart of traditional working class credit relationships. Discussion of these forms of credit is related to theoretical debates about cultural aspects of credit exchange that ensured the continuing success of such forms of lending, despite persistent controversies about their use. The book contrasts commercial forms of credit with formal and informal co-operative alternatives, such as the mutuality clubs operated by co-operative retailers and credit unions. It charts the impact of post-war immigration upon credit patterns, particularly in relation to the migrant (Irish and Caribbean) origins of many credit unions and explains the relative lack of success of the credit union movement. The book contributes to anti-debt debates by exploring the historical difficulties of developing legislation in relation to the millions of borrowers who have patronized what has come to be termed the sub-prime sector.

The practice of book illustration: Three examples by Norah Borges

This article focuses on three different examples of book illustration carried out by Norah Borges in the 1930s and 1940s (Canciones de mar y tierra by Concha Méndez, Platero y yo by Juan Ramón Jiménez, and Paul et Virginie by Bernardin de Saint-Pierre). Its purpose is twofold: to show how illustrations can shape our reading of texts and to examine how the artist's work can be assimilated to a current of neorromanticismo in Spanish letters dating back to the pre-Civil War period. Her work might serve as an illustration of what Ramón Gómez de la Serna termed the cursi bueno, a marginalized reaction to the dehumanization of art that speaks of sentiment, domesticity and, in women's case, of repressed longing.