Micro-credit: a valuable aid to get out of unemployment

After you have chained the small jobs (twenty employers "in three or four years"), at the age of 22, Apolline Glue has set up its activity in catering, thanks to the boost of Ease. The association, pioneer of microcredit in France, organizes its 12th annual information week.

When she finished her training as an artisan-baker, Apolline Glue has not been able to find a job in his branch. "In this business, men, we don't want women at the bakery," said she. She then chained the short-term, "a cashier, a mail carrier, cleaning lady, assistant, landscaper, secretary, security, handling or in-plant". A twenty employers "in three or four years".

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knowing The good cook, his entourage has pushed the inhabitant of Valdoie (territoire de Belfort) to get "The cuisine of Apolline", which provides snacks for the cocktails business. "I started in January 2014, with 10 euros of cash and a knife". Oriented Adie, she borrowed euro 4,000 for the purchase of a delivery vehicle. Three years later, at age 25, she continues to spin alone his company. "My goal is that this year, my margin is the equivalent of a minimum wage per month". Even if its budget remains very tight, she says "blooming" and dream up "a restaurant-cabaret to combine his two passions, cooking and dance".

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63% of companies still in business after three years

many young people, senior citizens and other people affected by the unemployment or the precariousness have been accompanied by the Association for the right to economic initiative (Adie), which organizes Monday, February 3, the 12th edition of information week. Created in 1989 on the model of the bank founded in Bangladesh by Muhammad Yunus, Nobel peace prize 2006, the association finances and accompanies the creators of companies that do not have access to bank loans. It is addressed to people in difficulty for the professional integration of all ages and social origins. According to its president, Frédéric Future, 45% are living below the poverty line when they turn to the association, nearly 40 per cent receive the minimum social benefits, and almost 30% have no diploma.

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63% of businesses created were still in business after three years, according to a survey carried out in December 2016 with 2.071 people who have started their business with a loan from the Adie between mid-2013 and mid-2015.

This rate of sustainability is "virtually the same as that of the average of the creations of individual companies in France", welcomes Frédéric Future. "This shows that when we give this opportunity to people who are in a situation of exclusion from credit, and, often, social exclusion, they are as good as the other".

"Delivered in confidence, pride, a reconstitution of the social bond ..."

Another indicator, 84% of respondents were in activity by the end of 2016, or in the company they had initially created, either in another establishment or in an employment. Beyond economic efficiency, "there is something that is not measurable," adds Frédéric Future. "Delivered in confidence, pride, a reconstitution of the social bond ..."

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Among the fields of activity of the people funded, the trade accounts for 38%, services 25%, catering/hospitality 9%. Brahim Hennana, 45 years old, acquired his first "foodtruck" eco-solidarity" with a micro-credit of 10,000 euro contracted in 2013.

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The consultant automobile of the paris region had lost his job with the crisis of 2008. After over a year of unemployment, he has attended several courses and invested her savings to launch in 2014 his company "Red Basil", which includes the itinerant sale of burgers, bagels and pizza, and a catering service. After a first accident in the summer of 2014, his truck was vandalized in September 2016 and is not yet repaired. But "I'm still motivated," he says. "My only regret is not getting launched in 20 years."