Paul Gibson says the sector would benefit if a modern Quaker bank was founded.

Alastair Smith and Paul Gibson look at why some charities struggle more with financial viability than others and offer some practical advice.

The charity had ridden into a perfect storm. Three major risks had crystallised at the same time. The charity could cope with any one of these but not all three at once. Two had not been identified on its risk register. The third had been identified but had not been considered to be major.

Paul Gibson believes Quaker values and careful management will see his charity safely through the recession.