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

Improving Outcomes in Money Advice

The Improving Outcomes in Money Advice (MAO) project, which is funded by the Money Advice Service and Improvement Service, aims to improve the impact of Scotland's money advice services, offering support to local authorities and partners in this process.


The project is now in its third phase, continuing to drive improvements across the money advice sector in Scotland based on the findings of the initial overview report in 2013. In particular, the report highlighted the role of local authorities in funding and delivering these services.


Key project activities underway in 2017-18 include:


  • publication of the third annual Money Advice Performance Management Framework (MAPMF) report and provision of support to local authorities to drive service improvements and highlight good practice
  • support the embedding of the principles of the Framework for Public Funding of Advice in both funders' and providers' practice
  • research into approaches supporting early intervention and support for the delivery of the Scottish Financial Capability Strategy
  • engagement with key stakeholders to produce a strategy on the future of money advice services in Scotland
  • use of data-mapping and matching to produce joint briefing papers in partnership with other organisations.


Achievements of the project to date include:


  • Launch of the Framework for Public Funding of Advice, in partnership with the Scottish Legal Aid Board and Scottish Government in 2015, offering a new approach to funding advice services based on agreed principles
  • Implementation of the Money Advice Performance Management Framework (MAPMF), with the publication of annual reports on the performance of money advice services funded and operated by Scottish local authorities for the financial years of 2014-15 and 2015-16
  • Social Return on Investment (SROI) analysis report on the benefits of embedding advice services in medical practices, highlighting how this model represents an effective method via which to deliver early interventions for the most vulnerable individuals in society
  • Promotion of the importance of financial capability and affordable credit via the publication of a number of case studies highlighting good practice, as well as the dissemination of a briefing paper to all elected members
  • Publication of a report - in partnership with Parkhead Citizens Advice Bureau, Money Matters (Glasgow), and Citizens Advice and Rights Fife – highlighting the barriers experienced by service users when accessing advice services, alongside good practice
  • Publication of an initial research report detailing the landscape of money advice across Scotland’s local authorities


Project Advisory Board

The MAO project is overseen by a Project Advisory Board including representatives from Scottish local authorities, Accountant in Bankruptcy, Citizens Advice Scotland, COSLA, Money Advice Scotland, Money Advice Service, NHS Scotland, ScotCash, Scottish Legal Aid Board, StepChange, and the University of Edinburgh.


Sandra Sankey

Project Manager

Tel. 01506 283788

Email Sandra

Karen Carrick

Project Manager

Tel. 01506 283566

Email Karen


Paige Barclay

Project Officer

Tel. 01506 283800

Email Paige

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