Its starting point was a positive response to the difficulties that existed at that time especially for black and minority ethnic groups who were turned away by the banks and other lending institutions -or who were exploited by 'money lenders' and shady banks.

The PCU has grown steadily over the last 25 years to be where it is today; one of the largest and most financially sound credit unions in the country. An important part of this work has been not only in lending to and supporting individuals, but also funding and lending to Black Majority Churches which has enabled them to grow, prosper, and most importantly develop a range of community activities and support in local neighbourhoods.

This book tells the story of the PCU, where it came from, what drove it how it grew and what it has achieved. It describes a vision of social justice translated into action, making a difference to many people's lives.

The two entities of the Pentecostal Church and the Credit Union movement fit well together, reflecting principles of fairness, helping ones neighbours, justice and working to make the world a better place in which to live.

Credit Unions are concerned with people helping people with a motto of 'not for profit, not for charity, but for service'. These approaches reflect the teaching and values of the Pentecostal Church.

Hence this book places the growth of the PCU in context, and looks briefly at the Credit Union movement and the Black Majority Churches themselves. It also draws out potential lessons for the future.