People and the Digital Revolution:

Advancing Our Social Mission through Technology

 

Il Microfinance Center (MFC) e lo European Microfinance Network (EMN) terranno la loro conferenza annuale congiunta, in collaborazione con Seed Capital Bizkaia Micro, dal 3 al 5 ottobre 2018 a Bilbao, in Spagna.

Quest’anno la conferenza congiunta MFC e EMN si concentrerà sulle implicazioni della rivoluzione digitale nell’inclusione finanziaria e sociale. L’obiettivo sarà esplorare in che modo le istituzioni di microfinanza possono essere proattive e sfruttare al massimo la tecnologia per offrire opportunità preziose agli imprenditori, alle start-up e alle imprese sociali.

Andrea Limone, AD di PerMicro, interverrà al workshop #13 di venerdì 5 ottobre “Impact comes from action” (h 11-12.15): questo seminario analizza due casi di misurazione dell’impatto sociale con lo scopo di coinvolgere gli attori del mercato (policymakers, investitori, istituti di microfinanza) in uno scambio di punti di vista sulle pratiche attuali e future nella misurazione dell’impatto.

 

Programma dell’evento.

 

The European Investment Fund (EIF) and PerMicro have signed the second Guarantee Fund Agreement under the EU Programme for Employment and Social Innovation (EaSI).

This renewed Guarantee Fund Agreement allows PerMicro to provide EUR 29 million guaranteed loans to entrepreneurs in Italy over the next 3 years. PerMicro’s entrepreneurs will be able to benefit from loans at a reduced interest rate under the EU supported programme. PerMicro will focus on a broader range of business sectors and territories, targeting and reaching a wider number of disadvantaged categories of micro and small entrepreneurs such as migrants, young people or women.

The EaSI Guarantee scheme was launched in October 2015, when PerMicro received a first guarantee for a production of EUR 20 million loans, and is funded by the European Commission and managed by the European Investment Fund.

EIF will not provide direct financial support to enterprises but will implement the facility through local financial intermediaries, such as microfinance, social finance and guarantee institutions, as well as banks active across the EU-28 and additional countries that are participating in the EaSI programme. These intermediaries will deal with interested parties directly to provide support under the EaSI Guarantee.

EIF Chief Executive, Pier Luigi Gilibert said: “Microfinance provides a valuable lifeline to entrepreneurs looking to launch and grow small businesses. EIF is proud together with PerMicro to deliver a success programme in Italy and to now be signing another agreement to continue supporting micro-enterprises in Italy. We welcome today’s announcement which demonstrates our commitment to providing financial solutions to companies who need support the most”.

Andrea Limone, CEO at PerMicro
said: “I am grateful for the renewed trust of European Investment Fund in PerMicro’s activity, and more in general, I celebrate the 8-year-long collaboration between the two institutions. Thanks to this second Guarantee Fund, PerMicro will reach out to new disadvantaged entrepreneurs and will be able to spread the EaSI programme in new territories of Italy. Our country needs new job opportunities as well as small and achievable projects: who can do this job better than micro-entrepreneurs?”

About the Programme for Employment and Social Innovation

The European Commission’s Programme for Employment and Social Innovation (“EaSI”) aims at supporting the EU’s objective of high level employment, adequate social protection, fighting against social exclusion and poverty and improving working conditions. The microfinance and social entrepreneurship axis of the EaSI programme provides support to financial intermediaries that offer microloans to entrepreneurs or finance to social enterprises. The objective is to increase access to microfinance, which includes microcredit i.e. loans of up to EUR 25,000, in particular for vulnerable persons and micro-enterprises. In addition, for the first time, the European Commission is supporting social enterprises through investments of up to EUR 500,000. The microfinance and social entrepreneurship support is currently being implemented through the EaSI Guarantee, which enables financial intermediaries to reach out to (potential) entrepreneurs that would not have been able to gain finance otherwise due to risk considerations. It is also being implemented through the ‘EaSI Capacity Building Investments Window’ to reinforce the capacity of financial intermediaries in the areas of microfinance and social finance through equity investments mostly. The European Commission has selected EIF to implement the EaSI Guarantee and the EaSI Capacity Building Investments Window.

The Bright Side – Il Lato Positivo dell’informazione si presenta ufficialmente alla città di Torino con un evento dal titolo eloquente “Torino, una Mole di Positività”.

L’appuntamento è per mercoledì 18 Luglio dalle ore 17 alle ore 18.30 presso la prestigiosa cornice torinese del Circolo dei Lettori di via Giambattista Bogino 9.

L’occasione per raccontare la storia e le attività della goodnews community  ideata da Tonino Esposito, per promuovere alcune delle preziose eccellenze e best practice del territorio piemontese, per incontrarsi e incontrare il Network della Positività attivato da The Bright Side e dai suoi partners all’insegna di future  progettualità ad alto valore sociale.

Ingresso libero.

Programma

  • Saluto e introduzione da parte di Tonino Esposito, ideatore di TBS, e di Lorenza Morello – Referente per il Piemonte, con presentazione del Manifesto della Positività e dei progetti correlati.
  • Presentazione dell’Alfabeto della Positività e delle Eccellenze di Torino realizzato dai bambini del Sermig – Arsenale della Pace.
  • Gabriele Coceani, responsabile su Torino di PerMicro, la prima società italiana specializzata nell’erogazione di crediti e microcrediti, racconterà la propria esperienza imprenditoriale, avvalendosi di case history realizzati nel nostro paese.
  • Gian Giacomo Schiavi, giornalista e scrittore, parlerà del suo libro ”Meno male” e dei piccoli eroi che trasformano il mondo.
  • Annalisa D’Errico, giornalista ed esperta di comunicazione e di tematiche digitali , parlerà di educazione digitale, del web TG delle Buone Notizie lanciato da TBS quest’anno in 100 scuole italiane e presenterà in anteprima il suo libro “Figli virtuali”.
  • Lopes Verena, docente presso la Scuola Media Statale a indirizzo musicale “Ugo Foscolo” -racconterà come alcuni allievi e insegnanti sono riusciti a diventare degli editor digitali.
  • Alberto Barberis – Presidente del Gruppo Giovani Imprenditori dell’Unione Industriale di Torino illustrerà come positività e imprenditorialità siano un binonio vincente, oltre che necessario.
  • Il regista Davide Ferrario regalerà uno spaccato della sua esperienza e ci spiegherà come “tutti possono essere felici” da La Luna su Torino.

Tatiana Zarik, giornalista e PR di  The Bright Side, sarà la moderatrice dell’evento.

 

Anche quest’anno abbiamo sponsorizzato Balon Mundial 2018: la più nota Coppa del Mondo delle Comunità Migranti a Torino.

Le squadre partecipanti sono rappresentative di comunità immigrate residenti sul territorio, costituite in associazioni o che si presentano direttamente attraverso gruppi spontanei, che vengono coinvolte nell’evento sportivo e nell’organizzazione del cartellone di eventi.

Inoltre hanno la possibilità di giocare progetti sportivi che durante l’anno si sono distinti per la capacità di utilizzare lo sport come strumento di inclusione sociale al di fuori dei campi di calcio.

La partecipazione per tutte le squadre è gratuita per garantire a tutti il diritto di giocare e il pubblico ha libero ingresso.

Per approfondimenti sulle modalità di iscrizione e sulle regole del torneo si rimanda al Regolamento Balon Mundial.

Negli anni hanno partecipato le rappresentative di: Africa: Burkina Faso, Camerun, Congo RD, Costa d’Avorio, Egitto, Eritrea, Ghana, Guinea, Mali, Marocco, Nigeria, Senegal, Somalia, Sudan, Tunisia; America: Argentina, Bolivia, Brasile, Colombia, Ecuador, El Salvador, Paraguay, Perù; Asia: Afghanistan, Bangladesh, Cina, India, Iran, Iraq, Libano, Pakistan, Palestina; Europa: Albania, Bosnia, Grecia, Italia, Kosovo, Moldova, Polonia, Romania, Russia, Spagna, Turchia più alcune realtà di squadre multietniche legate a progetti sociali: Ius Soli Cittadinanza Sportiva, Khorakhanè, Survivors, Africa United e Cuori d’Aquila.

La finale, che si è svolta il 29 luglio a Torino, hanno trionfato il Perù per il girone femminile e la Colombia per quello maschile. Complimenti a entrambe le squadre!

 

Locandina ufficiale | Comunicato StampaPhoto gallery

 

PerMicro approda a Palermo invitandovi tutti all’evento “Il microcredito: strumento di inclusione e sviluppo del territorio” che si terrà mercoledì 20 giugno h 17 presso i Cantieri Culturali alla Zisa, via Paolo Gili 4, Palermo.

Guarda le foto dell’evento!

Intervengono

LEOLUCA ORLANDO
Sindaco – Comune di Palermo

ANDREA LIMONE
Amministratore Delegato – PerMicro

GIAMPIETRO PIZZO
Presidente – Rete Italiana della Microfinanza (RITMI)

SILVIO MARESCA
General Manager – Bluserena S.p.A.

MASSIMO PIETROBURGO
Direttore Regionale Commercial & Private Banking: Calabria e Sicilia – BNL Gruppo BNP PARIBAS

ANTONIO PENNISI
Direttore Generale – Banca Don Rizzo

MARIA CONCETTA SANFRATELLO
Imprenditrice EuroCommerce

ADHAM DARAWSHA
Già Presidente della Consulta delle Culture

Modera
ELIZABETH PARISI
Consorzio ARCA

 

A seguire
Aperitivo e musiche della tradizione del sud Italia, Balcanica e Yiddish a cura di ARCI TAVOLA TONDA

PerMicro was invited as a speaker during the European Development Days, taking place in Bruxelles on 5-6th June 2018. The main topic of this year was “Women and Girls at the forefront of sustainable development: protect, empower, invest”.

Andrea Limone, CEO at PerMicro, took part in the seminar organised by the Council of Europe Development Bank (CEB): “Investing in migrant women: how to support long-term integration of migrant women through economic empowerment?”.

Key points

  • Society can do more to benefit from migration
  • The migration narrative needs to concentrate on the positive impacts
  • Migrant women are an untapped entrepreneurship resource
  • Access to childcare, education and financing services empowers migrant women

Synopsis
Migration is a pressing concern in many countries. In Europe, migratory pressures are expected to increase over the coming decades. The complex challenge of long-term integration is being tackled by many societies. As lessons are learned, some societies are now better equipped to seize the opportunities that migration brings.

European initiatives and projects that support migrants throughout the integration process were debated. The first step in the process is to help migrants face some of the challenges that they find on arrival. These include the language barrier, negotiating different social and culture norms and, for highly skilled migrants, the non-recognition of qualifications.

Some inspiring projects at local level are helping to change the narrative around migration. They do so by presenting positive role models. For example, connecting people – locals and newly arrived migrants – around a shared interest, such as cuisine or the hosting of refugees in locals’ homes, and work placements are helping to develop social cohesion.

Likewise, mentoring projects led by migrant women who have settled for new arrivals helps smooth integration. In these ways, the perception of migration changes for the positive, its wider benefits are better understood and migrants are not seen as a homogenous mass.

Labour market participation is crucial to speed up integration. However, research shows that, while migrant women are more likely than men to want to integrate fully and set up home in their host country, they are often marginalised, facing double discrimination in access to employment, due to status and gender.

Facilitating economic empowerment and financial inclusion of migrant women could deliver significant economic benefits for an untapped resource. This would help to challenge the negative populist migration narrative.

Positive stories were told of successful entrepreneurial initiatives led by migrant women who have settled in Europe – often financed by microcredit agencies and supported by EU financing institutions. The various examples demonstrate how resilient migrants – and especially women – can be in getting on with their lives in new surroundings.

Gender equality is key to making the most of migrant women’s entrepreneurial skills. Big gaps remain in employment rates for migrant women, when compared to other groups. They are more likely to be in part-time employment, receive lower wages.

Those with higher education who have jobs are more likely to be underemployed.

Support programmes at all levels need to ensure that migrant women get greater access to language classes, quicker access to social employment services, access to financing, access to childcare – with the added benefit of integrating children as well. In this way women can participate fully in their new society and accelerate their long-term integration.

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