Selected as one of the Deloitte Social Innovation Pioneers, My Home Finance is a social enterprise based in London with a seemingly simple mission. The goal is to provide people with affordable and fair loans, access to bank accounts and savings.
"You cannot get a bank account if you are on benefits or on a low wage," Louise, a housewife, told BBC in 2010. "With My Home Finance, they open a bank account, which means you can start your credit score off and can get direct debit sorted to pay bills. This is a way of getting a foot on the ladder."
And that quote is a testament to the fact many people are shut out from mainstream financial services which can create a cycle of being unable to save and have healthy and prosperous finances.
My Home Finance runs alongside a bigger trend of companies in urban centers, like Fair Finance, attempting to create a more just world when it comes to finance.
My Home Finance website