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Financial Resilience Programme (2024/25)
West Midlands Housing Association · Forecast · Apr 2024 – Mar 2025
Social Return on Investment
£3.42
Net SRoI: £2.42 per £1 invested
Present Value
£711,400
Discount rate: 3.5%
Undiscounted Impact
£736,800
Across 3 outcomes · 1 year
Total Input
£208,000
Largest category: Staff time
Present Value by Stakeholder
72%
Tenants 72%
Wider community 28%
Present Value by Outcome
3 outcomes
Reduced financial stress 40%
Financial capability 34%
Reduced debt burden 26%
Present Value by Framework Priority
52%
Community Wealth Building 52%
SDG: No Poverty 30%
Bristol Accord 18%
Outcome Stakeholder Quantity & proxy Deflators Impact Present value
Reduced Financial Stress Among Tenants
Wellbeing value of moving from financial crisis to financial stability · New Economy Manchester
Tenants
320 individuals
320 × £942
Per tenant per year
Deadweight 40% Attribution 20% Drop-off 10%
£287,424
1 year
£277,460
Improved Financial Capability and Confidence
Value of financial literacy programme completion · Money and Pensions Service
Participants
285 individuals
285 × £849
Per participant per year
Deadweight 35% Attribution 25% Drop-off 12%
£241,965
1 year
£233,585
Reduced Debt Burden and Arrears
Cost of problem debt per person to public services · StepChange / Money Advice Trust
Residents
195 individuals
195 × £937
Per person per year
Deadweight 45% Attribution 15% Drop-off 8%
£207,411
1 year
£200,355