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Chamber

Meeting of the Parliament 17 September 2019

17 Sep 2019 · S5 · Meeting of the Parliament
Item of business
Credit Unions

Absolutely. We will take on board any views and opinions from across the chamber on what the strategy should include. We will engage with the more rural credit unions. I have met representatives of the Western Isles Credit Union, which I think covers some of the northern isles, who told me about some of the challenges that they face and about the credit union’s strengths and what it provides for the community. I am absolutely willing to ensure that rural and island communities are factored into the strategy as it takes shape.

It is important that we reflect the voices and views of the credit unions, part of whose strength is their diversity and the way in which they not only reflect but are embedded in the communities that they serve. We are keen to develop a coherent strategy that seeks to further strengthen and grow credit unions in Scotland, but we recognise that a one-size-fits-all approach is not required. That is why partnership, co-production and engagement with the sector in its widest sense are important.

I look forward to working with members across the chamber on what I think is a shared ambition, regardless of which political party we represent. By supporting credit unions, which unashamedly put people before profit, we have a real opportunity to support vulnerable people and communities. Our national performance framework seeks to create a Scotland based on the principles of kindness, respect and dignity, with a focus on wellbeing. Credit unions will help us in the pursuit of the fairer Scotland that we all want to create.

I move,

That the Parliament commends Scotland’s network of credit unions, which are at the heart of communities across the country and serve more than 410,000 people; welcomes that, through offering affordable loans and savings, credit unions can protect people from predatory lenders and unmanageable debt; notes the Scottish Government’s Programme for Government commitment to introduce a new £10 million Credit Union Investment Fund to help them grow their membership and increase the numbers of people saving and borrowing from credit unions, and further notes that the Scottish Government will co-produce, with the credit union sector, a national strategy to further grow and strengthen this important sector.

14:40  

In the same item of business

The Presiding Officer (Ken Macintosh) NPA
The next item of business is a debate on motion S5M-18884, in the name of Aileen Campbell, on investing in our credit unions. I call Aileen Campbell to speak...
The Cabinet Secretary for Communities and Local Government (Aileen Campbell) SNP
There are always junctures in life that demand we pay close attention to our finances, such as paying the bills for the summer holidays, school uniforms, and...
Liam McArthur (Orkney Islands) (LD) LD
I welcome the fund. Can the cabinet secretary give a commitment that the Government will look at the lower levels of engagement with credit unions in more ru...
Aileen Campbell SNP
Absolutely. We will take on board any views and opinions from across the chamber on what the strategy should include. We will engage with the more rural cred...
Pauline McNeill (Glasgow) (Lab) Lab
I point-blank refuse to think about Christmas while it is still September, but I agree with the cabinet secretary that, for many families, Christmas is a dif...
Ruth Maguire (Cunninghame South) (SNP) SNP
I asked the Scottish Parliamentary Corporate Body whether it would consider extending the number of credit unions with which parliamentary staff, MSP staff a...
Pauline McNeill Lab
I agree 100 per cent with Ruth Maguire’s point. Not only can we set an example, but payroll deduction is a good thing and, where it is possible, it should be...
Michelle Ballantyne (South Scotland) (Con) Con
It is a pleasure to open the debate for my party. The cabinet secretary is right to say that it is a shared vision. In our manifesto, we said that we would...
Andy Wightman (Lothian) (Green) Green
I thank the cabinet secretary for bringing this debate to the chamber. Scottish Greens, too, were elected on a manifesto to champion not only credit unions...
Liam McArthur (Orkney Islands) (LD) LD
Like others, I welcome the debate, which is on a subject that the Parliament has a good track record on and returns to regularly. I confirm the Scottish Libe...
The Deputy Presiding Officer (Christine Grahame) SNP
Speeches should last a tight four minutes. There is no time in hand. 15:01
Ruth Maguire (Cunninghame South) (SNP) SNP
I welcome the Government’s commitment to seeing the credit union sector grow and thrive. I also welcome the cross-party support in Parliament for credit unio...
Jeremy Balfour (Lothian) (Con) Con
I will start by saying to Pauline McNeill that Christmas has started, because my daughters are designing their Christmas cards at school today. I will make s...
The Deputy Presiding Officer SNP
Thankfully, you did not offend me, Mr Balfour. That was a good idea. 15:08
Angela Constance (Almond Valley) (SNP) SNP
I start by thanking the cabinet secretary. She will recall that on the previous occasion in the chamber on which we celebrated the contribution that credit u...
Johann Lamont (Glasgow) (Lab) Lab
I declare interests as a member of the Scottish Co-operative Party, as a Labour and Co-operative MSP and as a member of a credit union. The Scottish Labour P...
The Deputy Presiding Officer SNP
I call Tom Mason, to be followed by Tom Arthur. Interruption. I beg your pardon—I got my Toms muddled up. You can sit down, Mr Mason—it is my fault, not your...
Tom Arthur (Renfrewshire South) (SNP) SNP
I am grateful for the opportunity to take part in an excellent debate that is full of ideas from all sides of the chamber. I thank the Government for the deb...
The Deputy Presiding Officer SNP
I call Tom Mason. My apologies for calling you in error earlier, Mr Mason. 15:21
Tom Mason (North East Scotland) (Con) Con
I am glad that there appears to be broad consensus on the benefits that credit unions can bring to people across the country in providing accessible finance ...
Maureen Watt (Aberdeen South and North Kincardine) (SNP) SNP
I am pleased to take part in this debate, as we can never highlight enough the importance of credit unions to our communities. More than 410,000 people are s...
The Deputy Presiding Officer SNP
We move on to the closing speeches. I call James Kelly to close for Labour. You have four minutes, Mr Kelly. 15:29
James Kelly (Glasgow) (Lab) Lab
It has been a good and consensual debate. As a number of members have said, it is key that we take the central points from the debate that will help with the...
Brian Whittle (South Scotland) (Con) Con
As has been said, the debate has been very consensual, which is not always the case. We have heard from members across the chamber that a credit union is a n...
Aileen Campbell SNP
As members who have spoken in the debate have said, this has been a thorough and good debate. I agree with Pauline McNeill that it should not be a cuddly deb...
Pauline McNeill Lab
On the issue of payroll deduction, I do not think that anyone has mentioned the fact that the national health service has a credit union. I do not know wheth...
Aileen Campbell SNP
I absolutely agree with the point that Pauline McNeill makes about encouraging credit unions in the public sector. The Scottish Government does that, and I k...
Liam McArthur LD
I thank the cabinet secretary for being the first member to namecheck my youngest son, Tom McArthur. Laughter. A number of members asked whether the corp...
Aileen Campbell SNP
That is why our approach needs to be about more than just working with the credit unions. As Andy Wightman pointed out, we need that broader approach and we ...