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This paper assesses the lending risks associated with the level of total household indebtedness at the local authority level across the UK.

Using GIS-based Exploratory Data Analysis and mapping, the paper identifies local concentrations of household borrowing, both secured and unsecured, which is referenced against regional Gross Added Value.

Significant local differences are revealed which are tracked over the period 2013–2019. Total debt relative to the size of economy is larger in London and local authorities around London. A positive correlation was revealed between areas of multiple deprivation in England and those local authorities with proportionally high unsecured lending, confirming that the less well-off require access to debt facilities and in the absence of availability of secured loans, resort to unsecured borrowing.

Understanding where the additional lending risks are located across the UK is relevant when evaluating the robustness of the economy to recession, with its uneven effects on different sectors and households and the impact of monetary policy changes, particularly sharp rises in interest rates. The mapping of these risks is illuminating and aids understanding.

COVID entered the world in 2019 as a pandemic and the intensity of this health crisis is only increasing in several regions. Therefore, it is critical to study and detect the public's frame of mind, government and economists' perception regarding the COVID crisis, as well as the primary worries that the public has expressed, and how this evolves over time. Responsive measures towards COVID-19 from the Indian economy have been explored as a key objective. Moreover, efforts have been made to explore recovery in India through economists and policymakers. Data have been explored through online interviews of key economists which were published in leading newspapers and covered through media channels such as NDTV, CNBC, etc. Moreover, various newspapers and reports were explored to understand government initiatives to address COVID-19 in India. The study's findings show how essential economic recovery from the second wave is in India, and how it may be achieved by strong fiscal and monetary policies, as well as specific attention to impoverished households, small and micro-businesses and increased employment. The short-term focus of the developing economic strategy must be on giving crisis relief to the most unprotected segments of society since long-term system stimulation is impossible.