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Small credit
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 source: Adie
Many companies created since the creation of Adie: 42.900
Number of created jobs: 51.500
To reduce the social fracture and to try to give a chance to all to launch its own business:
You are applicant for work or allocatee of the RMI, excluded from the traditional banking system and you wish to create your company ? Adie can help you!
Thanks to a network of antennas developed on all the territory, Adie can propose a financing to you to create your company as well as an accompaniment intended to perennialize your activity.
Also exist in our European neighbors, in Luxembourg, the House of the microfinance wants to be a space single in its kind, open and convivial.
It has of an information center (specialized library and multi-media access), an Information service and constitutes the engine of the publicity campaigns of ADA (Midday of the microfinance, public interventions, Club Microfinance Luxembourg)
She addresses at the same time to the actors microfinance, to the students and to researchers, and to the general public, eager to familiarize or look further into her knowledge in microfinance. This new structure, managed by ADA, was carried out with the support of the Luxembourg Co-operation.
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The Network European of Microfinance receives funds of the European commission within the framework of the Program of Community action Combattre Social Exclusion 2002-2006
The growth and employment are with the rise and unemployment moves back in the Member States: the Community strategy starts to bear its fruits.
It is hardly doubtful, however, that Europe must make some more to completely achieve the goal laid down at Lisbon, in 2000, by the persons in charge of the Union: to undertake a decisive action for éradiquer poverty.
Financial poverty threatens 16% of the European population, an European on five lives an unsanitary housing, one on ten lives in a hearth where nobody has employment and the proportion of children touched by school unhooking exceeds 15%.
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 To create a company within the Europoéenne Union
The principal conclusion of the examination with semi-course of the policy relating to SME, that the European commission carried out and whose it publishes the results is that, in the UE-15, to create a company does not cost any more, on average, that 554 euros in 2007, against 813 euros in 2002.
In the same way, the administrative formalities of registration of the company do not last any more that 12 days approximately today, against 24 in 2002.
This examination gives a progress report on good progresses since 2005 in five key fields of the policy of the Commission with regard to SME: to reduce the bureaucracy, to improve the access to the markets, to promote the entrepreneuriat and competences, to improve the growth potential and to reinforce the dialogue with the actors concerned.
The specificity of SME is taken more and more into account in the initiatives and the legislation of the Union.
The Commission also adopted a communication concerning the stigmatization of the bankruptcies of companies, in which she proposes actions intended to prevent the bankruptcies and to encourage a new departure after a nonfraudulent bankruptcy.
In addition, it set up an action plan aiming at helping the small companies to take account of the environmental concerns in their processes of production as in their products, in particular by a better respect of the legislation.
Within are the framework of the adie, Which types of investments financed ?
For the itinerant traders, for example, one envisages most of the time to finance their stock of goods for a budget of approximately 3.000 euros.
We propose also a purse to them of hiring of material, in the shape of a batch of open kit, with a monthly rent of 16 euros for three months, renewed once. That makes it possible to the creator to test his activity, then to buy itself then its own material.
We prefer to start small, specifies Delphine Valancogne, and to accompany the project by restructuring it in the course of road, by refinancing it if necessary. If the activity becomes more solid, one can thus finance it during his the first five years of existence, until its creator can turn over in the banking system.
We are there for the “nudge in the right direction” with starting. If the candidates do not have experience, we propose a refundable loan of 1.500 euros to them over six months to test their market with an accompaniment.
As soon as they showed their capacity to develop, one will advise to them to register oneself. Generally in individual business under the micro mode, with a book of receipts and expenditure, or in company with simplified reality, if their customers are companies.
Which criteria determine obtaining the loan ?
After the assembly of the file by the Adie adviser, it is presented in committee of credit. This committee made up of former bankers, and representatives of the banks partners meets every fifteen days. What counts, it is the determination of the creator and his capacities to make its project viable.
95% of the examined files are accepted, but very often the Committee recommends an individual accompaniment (administrative, tax, countable, commercial) of the creator. Free, this service is ensured by the voluntary ones of Adie.
The creator, in the event of favorable opinion, knows the decision in the course of the day, and the releasing of the sums is fast since the creator arises with his guarantee to sign engagements.
How are refundings carried out ?
For refundings, we privilege the taking away, but we accept also the liquid. We have privileged partnerships with banks, as for example the Banque Populaire which allows the creators supported by Adie to open an office account “Frequency Pro” for 15 euros per month, including/understanding the basic services: insurances, cheque book, bank card, abstract of accounts, but not from authorization of overdraft.
While respecting the calendar of the expiries, one can sometimes allow a little flexibility in refundings. But we have very few incidents of payments: 94% of the loans are refunded without problem
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Pour tous renseignements:
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Small credit
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