Sin ttulo de diapositiva

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FUNDACIÓ UN SOL MÓN Finances for Social
Inclusion
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ÍNDEX

• Presentation
• Labour insertion
• Social housing
• Research and communication
• Microcredit and microfinances

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PRESENTATION

• Fundació Un Sol Món
• Founded in February 2000
• Promoted by Caixa Catalunya through its Social
  Work Department

• Mission
• To direct the activity to the social and economic
  promotion of people and disadvantatge collectives
  and at the same time
• To raise awareness of the Catalan and Spanish
  societies on poverty, social inequalities and
  intolerance issues

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labour insertion
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labour insertion
La labour insertion is a process of labour market
inclusion of socially excluded people
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labour insertion
CATALAN SOCIOECONOMIC ENVIRONMNENT
18,6 catalan population at de social exclusion
risk (calculated as lack of access people below
60 of average income. Lack of consumption
housing, food, income,...But also secondary
consumption holidays, car, change of
furniture,...) 1,2 milions of people (profiles
elderly people (monetary poverty), unemployed
people, people with temporary labour contracts,
non-qualified workers young qualified workers
(housing dimension)
Origin Report 2003 - Poverty Observatory
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Labour insertion
FUNDACIÓ UN SOL MÓN- PROGRAMS
A. Financial and technical support to insertion
enterprises and entities B. Pormotion of
sectorial projects with Insertion enterprises C.
Personal Services
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Social Housing
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Social housing
Objective Increase the renting social housing
offer for people with low income or without
sufficient collateral Lines I. Support
Social Mediators for collectives at risk
Network II. Promote works to repair empty
housing to promote renting
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Research and communication
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Research and communication
PROGRAMS

• www.comprasocial.net
• Poverty Observatory (with social watch research
  aims)
• Campaigns to collect funds for developping
  countries
• (we also promote) Book Publications
• Awareness Activities

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Microcredit and microfinance
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Microcredit and microfinance

• Microfinance
• Financial services (loans, savings, assurances or
  transfers)
• to low income homes
• Microcredit at FUSM
• not the amount (micro) but the collective to
  which it is destined which is socially excluded
  people without access to mainstream banking
  system
• money offer
• personal advice and follow-up
• it facilitates that people develop their
  potential through self-employment

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Microcredit and microfinance
KEY FACTORS

• Financial exclusion
• Enterprise or income generating activities
  start-up
• Creation of job positions
• Valid instrument to fight poverty (different from
  subsidies)

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MICROCRÈDIT I MICROFINANCES
FUNDACIÓ UN SOL MÓNS PROGRAMMES

• A. Rétale (Spain-Equador)
• B. Direct suport to Microfinance Institutions
  (El Salvador, Mozambique, Equador and Morroco)
• C. Microcredit for self employment (Spain)

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SUPPORT TO IMF

• 1. IMF
• Offer financial services to poor people
• 2. Instruments- Fundació Un Sol Món
• 1) Loans
• 2) Technical assistance
• Aspects of interest for the Microfinance
  Institutions
• subvention (only if necessary)

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MICROCRÈDIT FOR SELF-EMPLOYMENT

• Supporting people with a current business or a
• business plan with no collateral and no
  possibility
• for accessing to ordinary credit from a bank.
• Microcredit destination
• Supplies
• Working tools
• Working capital
• Financial characteristics
• Lack of guarantee/collateral....the project is
  the guarantee
• Annual Interest Rate 6 fixed
• Average microcrèdit 9.500

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Microcredit
DELIVERY ARTICULATION
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Microcredit
DATA
Dades Fundació Un Sol Món December 2005
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Microcredit
Economic Sector Distribution
Gender ? 58 women
Origin Fundació Un Sol Món Abril 2005
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Microcredit
DATA

• Portfolio of microcredits gt 772 credits
• Portfolio gt 7,4 million
• Average microcredit 9.500
• Risk lt5
• Direct employment gt1.500 people (that have
  become employed)

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MICROCREDIT
IMPACT RESULTS

• Economic Impact
• 8/10 have improved their economic situation
• 7/10 consider they have now a higher labour
  stability
• Social impact
• 74 entrepreneurs affirm
• Improve in labour stability
• Helps family
• Improves self esteem (better job despite no
  self-employment)

Source Fundació Un Sol Món