Cryptic crossword clue
Not working, manipulated city’s loan fund 13

The most common and most likely answer to this crossword clue is the 13 letter word DYSFUNCTIONAL

I've seen this crossword clue in The Daily Telegraph
D
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Buddy explains!

The straight part
We know that "Not working" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case not working = dysfunctional.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does DYSFUNCTIONAL mean?

DYSFUNCTIONAL adjective
  1. Not performing its proper or intended function.
  2. Functioning incorrectly or abnormally; especially, designating of a business, family or social group with harmful, aberrant, strange or abnormal behavior.

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