ABSTRACT
The main conclusion of The Social Fund 20 Years On is perhaps even more valid after the introduction of the Welfare Reform Bill 2011. Loans need to be abolished and the levels of social assistance increased. However, such arguments are clearly against the tide of a vicious assault upon social security policy because of themes related to dependency', financial work incentives, cost and administrative concerns that have been seen have informed such policy, the provision of special expenses' in particular, for many years. The Welfare Reform Bill 2011 signals the end of the SF. However, it does not signal the end of loans for the income poorest people in British society. In fact, the demand for loans is likely to increase because of the wider changes the Bill will introduce that, in the longer term, will impoverish further such people.
