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Improving Outcomes in Money Advice - improving the impact of Scotland's money advice services

MAPMF - 2016-17 Report


Karen Carrick

Project Manager

Tel. 01506 283566

Email Karen


Paige Barclay

Project Officer

Tel. 01506 283800

Email Paige

ISMoneyAdvice on Twitter

All 32 Scottish local authorities submitted data returns regarding the money advice services they delivered or funded during the 2016-17 financial year. The data was analysed and a report was produced detailing the results.


The key findings were:

  • Investment by local authorities totalled c.£11.72m, representing a reduction of 5% since 2015/16
  • 305 FTE paid staff members were employed by the services, which represents a 5 FTE decrease when compared to 2015/16
  • 31% of service users had a disposable household income of less than £6,000, and 50% less than £10,000 - the median household disposable income in the UK is £26,300
  • 53% of clients reported having a disability or long-term condition, whereas around 20% of the general Scottish population has a disability or long-term condition
  • The total debt owed by clients was c.£217m, an increase of around £2m in comparison to 2015/16
  • c.111,000 people contacted the services, and c.49,000 new clients received support - in both cases this represents a 5% increase since 2015/16
  • 19% of clients initially sought advice because of council tax arrears
  • Money advice services delivered or funded by local authorities secured £101m in client financial gain
  • For every £1 that was invested in money advice services, clients achieved financial gains of £4-9


Download the full 2016-17 report


Individual Local Authority Reports

Reports were created for each individual local authority area containing the data submitted across the three years of reporting to date. Where possible, these reports outline any key performance changes in money advice services between 2014-15, 2015-16 and 2016-17. Each individual report is available to download in full via the summary pages listed below.


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