Table 5. Analytical themes and sub-themes.

Themes	Subthemes
Employment and long-term health conditions	Need for flexibility Precarious working conditions Job insecurity Leaving the labour market
Income and health	Welfare Limited options to increase income Coping with life events Income, mental and physical health connection
Prevalence of finance and formal credit	Use of financial services Financial decision-making Debt Access to financial products and health
Responsible microcredit and the stress of debt	Microcredit as an alternative form of debt Microloan design and health
Reliance on debt from relatives and doorstep lenders	Informal borrowing experiences Experiences with doorstep lenders
Housing	Housing conditions Access and moving
Barriers to accessing public services	Health as a barrier Language Access routes Siloed services Processes difficult to navigate Lack of awareness and support