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Budget 2010 - Civil Society and Social Innovation

Baby steps towards a social investment economy

There are some hidden nuggets in the budget designed to entice those of us who regard strengthening civil society as a sine qua non of good governance - and for those of us who regard social investment as a key element of a rebalanced, ethically investing, asset owning, all-round-good-egg economy.

While there was nothing genuinely new from the Government in this space - and as Kim has noted in this post we await substantive detail on the new 'green investment bank' - there were some recycled announcements and interesting details that suggest a promising direction of travel - and one, as with many things pertaining to civil society and social innovation, that has significant cross-party support, and so has every chance of progressing.

The first thing, in red book section 6.45, was the crystallisation of the Total Place Pilots into a few micromeasures. Radicalists will bemoan this as 'tinkering,' but it is not insignificant. Total Place, which allows localities to coopt funding streams into a 'single offer,' and so co-design services across sectors, using more individual budgets (ideas ResPublica are investigating in some detail in our upcoming innovation research projects) represents a real form of budgetary devolution. Red book section 6.45 announced £1.3bn of ringfenced of funding given to local authority discretion, reducing pertinent indicators to 18 and various streams from 110 to 94. Not exactly 'freeing the slaves,' but baby steps towards some promising work in this direction.

Even more interesting was to be found in boxes 6.1 and 6.2 of the red book. The great Sir Ronald Cohen and similarly great Toby Eccles announced a huge success last week: the implementation of the first social impact bond, to encourage more private sector investment into outcome-based service delivery in the reoffending and prison sector. The model is fantastic and promises a real micro-economic and macro-economic change; more private money for social purposes and more widely, a move to what we refer to as 'The Blended Economy' (and watch this space for more research and innovation on that). There was not so much a new annoucement on this as recognition of the work taking place and a commitment to learn therefrom.

Thirdly, red book section 6.2 saw the treasury fill in a little welcome detail on the much delayed Social Investment Bank. The point of this much-misunderstood institution would be to bring money into scale social projects; ideally (as I see it) to get more private money into social projects. I am not sure the Government really understood this and have been coy on the model they would use. Per section 6.2, the model that the Government now appear to have settled upon is one that keeps the money in the sector and encourages retail organisations to coinvest with the wholesale bank, rather than, as with the social impact bond for example, encouraging private sector organisations to invest through tailored vehicles specifically for social investment. It is not the most transformative way of getting more money to social enterprises, and worse, as it is, the Government's social investment bank is woefully undercapitalised; the Government have pledged to begin with £75m of cornerstone capital. Sir Ronald Cohen, ACEVO, the NCVO all agree - not enough at all to get going.

And that is very sad, because it misses a very great opportunity; an opportunity in which the social investment bank is a key element. These three innovations especially are intimately linked. By capitalising the CDFI sector through the social investment bank and freeing up local authorities through total place to invest in social impact bonds, a real incentive and marketplace emerges for the private sector to invest in good, cross-cutting community projects. At this point, the much campaigned-for British version of a Community Reinvestment Act becomes important. With a well-tailored, capitalised social investment market, good quality structured social impact bonds available to all financial institutions, this would free up the private sector to discharge potential future CRA obligations by innovating and creating new forms of social impact or other bond. The whole represents an attractive vision of a future British social investment landscape.

So, one cheer for budget 2010 as a work-in-progress of promise and very good intention. The building blocks are almost in place. The ideas are sort-of coming together. Baby steps are all very well, but some more radical thinking in some areas is needed to take advantage of the huge innovations in others - as well as a bit more boldness overall. We would prefer fewer baby steps and more of a much-needed leap into the ethical economy: one of the few remaining boom sectors of the west.

PS: a little discussed section is red book 6.52, which states that details of how capital fiscal stimulus will be spent will be made transparent and put online. Great! The Post-Bureaucratic Age in action! But why then, when downloading the budget chapters, this year, as last year and every year before, was it such a pain. I know the treasury feel the need to guard against all-too-rapid rebuttal, but surely even they realise how irritating it is for most of us?

Comments on: Budget 2010 - Civil Society and Social Innovation

Gravatar Hansson 25 March 2010
chris cook, how can you possibly class the social impact bond as 'debt.' It is a payment by results 'company' where government pays investors on procurement of an outcome. There is no loan element at all.
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Gravatar Chris Cook 25 March 2010
@Hansson

Pardon me if I misunderstand Social Impact Bonds - which I have not had the chance to study in detail - but I had thought that it is the return ON capital investment that is based on results.

I had not realised that the return OF capital is contingent as well.

If that is the case then to describe such equity-like instruments - which I heartily approve, and indeed which are at the heart of my work on partnership-based legal and financial structures - as 'Bonds' is a bit misleading, don't you think?

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Gravatar Chris Cook 25 March 2010
A Social Investment Bank is still a bank, and Social Investment Bonds are still debt, and I have never really thought that debt is well characterised as 'investment'.

I'm not alone in thinking we need a new approach to equity,and I don't mean the use of genetically modified companies like CICs and IPSs either.

It doesn't matter whether an enterprise is public or private in ownership; commercial, social or even charitable in aims; or what legal structure it has, it can still share and 'unitise' its gross revenues - if there are any - within a trust (which is a lawyer's benefit and has management conflicts) or partnership framework.

http://nordicenterprisetrust.wordpress.com/2009/05/01/making-a-mint/

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Gravatar asheem.singh 24 March 2010
Luca, an interesting way of putting it. My own opinion, as you will infer, is that the time is right to pump-prime this market.
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Gravatar asheem.singh 24 March 2010
Toby, great man, always a pleasure to have you in the 'Room.

I agree with you absolutely on the CRA, but I think we need to offer the banks something a little bit more than pressure or guilt in disclosure and lending (the 'old' US model) if they are to come along with us for this one (and not innovate their way out of their obligations).

I would like to see Government action or real intent - detail down to the level of a business plan - to tailor the market place prior to making the case for a Community Reinvestment Act. This would have the effect of showing the banks what is in it for them, as well as getting more of their money into these spaces.

In short, I want banks to innovate their way into their future CRA obligations, not innovate their way out. If we can present a package that allows them to do that, the campaign will be both successful - and radical.

Interested to hear more about the disclosure clauses. Do you have a link to your briefing?
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Gravatar Toby Blume, Urban Forum 25 March 2010
Hi Ash

our analysis of the budget is here - http://www.urbanforum.org.uk/comment-&-analysis/budget-2010-analysis

what we really need is to come up with ways to reward more socially useful behaviour by banks. This means redesigning the regulatory framework to minimise the state's exposure to risk and making it commercially attractive to banks to serve poor communities ('recapitalising the poor' i think you call it!).

I think the most obvious route would be to look at ways to reduce regulatory burden for those who are more responsible in their practice (though not in terms of reducing liquidity or capital requirements as that would increase systemic risk).
Mergers and Acquisitions might be one area to look at, bank license (renewals) might be another. there are undoubtedly many more. It would then become far more economical for banks to serve poor communities - either directly or indirectly through community finance bodies - than not to.

Good for the banks. Good for the state. Good for poor communities and good for taxpayers.

Toby
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Gravatar Toby Blume 24 March 2010
hi Ash

i agree with much of what you've written (have some similar points in our own budget response), but i think there are one or two more encouraging signs related to bank reform.
Whilst we hoped to have seen a committment to a CRA in the UK, the door is definately still open (with a committment to consult on options - which i take to mean CRA and other ideas!). There was also stronger language on the issue of disclosure (and with more purpose) than in the PBR.
The question we're now asking ourselves is, will all the parties sign up to a commitment to consult on these options for bank reform (or just commit after all an election is surely the ultimate consultation!).

Time to see quite how progressive our politicians really are!


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Gravatar Luca 24 March 2010
It is almost the reverse of the wider economic argument.

There, the opposition want to cut spending more quickly, while Government reckon spend now, cut later; here Conservatives want to invest more quickly while Government are being more cautious.

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Gravatar asheem.singh 24 March 2010
Axl, thank you for taking the time to leave your comment. Luca has summed it up well, but I am happy to clear up any remaining confusion you may have, should there be any.

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Gravatar Luca 24 March 2010
Axl, what the post seems to be saying - and it also seems to be very much aimed at those in the know in the sector, is that the vision is there to capitalise and scale social investment but the implementation is proceeding in baby steps, principally because the social investment bank has been undercapitalised and there is no provisions for a community reinvestment act.

So right direction, not enough thrust.

And for my part, I would say that is understandable given how fragile the economy is (though that didn't stop them on their various other stimulus packages...)

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Gravatar axl 24 March 2010
I've read this twice and still have no idea what it's arguing for.
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Gravatar Maurice 24 March 2010
Dear Asheem,

I am no expert on the substance of your post though it seems to be a very interesting area for the future. On your 'PS,' I would suggest that the reason is that so many people are trying to download the document at once?

Maurice
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Gravatar asheem.singh 24 March 2010
Hmmm possible but treasury servers should be robust enough to take simultaneous downloads.

If not - then that would probably count as a Whitehall IT-fail.
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Detailed Summary

Date Published
24 March 2010

Categories
bank
innovation
localism
social investment
total place

About The Authors

Asheem Singh

Asheem Singh was deputy director of ResPublica and the Head of ResPublica's Civil Society and Social Innovation Unit fro...