We are very grateful for the Berry Burn grant to appoint two part time staff to manage the Savings and Loans Co-op. Recruiting, training and supporting new volunteers was needed to replace those that had retired at the onset of the ‘lockdown’ in March 2020. Marketing, telling and finance small teams have now been set up. The Virtual online system was required and with the introduction of our card payment and Equifax credit scoring facility this resulted in greater efficiency and confidence in our lending. This has also been a beneficial way of supporting members to better manage their money.