Credal - Febea

Investissez dans
vos valeurs
CREDAL: 30 years !
CREDAL: OF CITIZEN ORIGIN
• « Action banque-apartheid »!  anti-apartheid
activists discovered that Belgian banks invest in South
Africa
• Création of Crédal (CREDit ALternatif) in 1984, a
Cooperative society with social finality
• Values: transparency for investissors, investments
with social and society profits
- Here, you give meaning to our money?
- Yes, absolutely !
Administration
UN PLACEMENT SOLIDAIRE
COOPERATIVE DE
CREDIT ALTERNATIF
25 millions funding
By 2200
cooperators
Around 1.000 crédits
per year
UN PLACEMENT SOLIDAIRE
COOPERATIVE DE
CREDIT ALTERNATIF
25 millions funding
By 2200
cooperators
Around 1.000 crédits
per year
LES PARTS DE COOPÉRATEURS
All cooperators invest their savings
in shares of the cooperative
Dividend between 1,5 and 2,5 % (2012 : 2,17%)
PLACEMENT SOLIDAIRE
CREDIT
ACCOMPAGNEMENT
Portfolio credit
Total= 22 million €
15%
5%
Social Economy
Professional microcredit
Personnal microcredit
80%
Portfolio credit
Number of credits
175; 18%
650; 68%
135; 14%
Social Economy
Professional microcredit
Personnal microcredit
CREDAL:
1 cooperative and
3 non profit associations
public
subsidies
3 Associations
= Social tools
Benefits
Dividend
Cooperative
Financial tool
Citizen’s funding
interest on credit
CREDAL:
1 cooperative and
3 non profit associations
public
subsidies
3 Associations
= Social tools
Benefits
Dividend
Cooperative
Financial tool
Citizen’s funding
interest on credit
LE CRÉDIT SOLIDAIRE
• For Social Economy (social entreprises and
associations)
• adaptability and flexibility
– From 2.500 € to 600.000 €
– During: 1 month to 20 years.
– Rate: 3 à 6,5%.
LE CRÉDIT SOLIDAIRE
• For Social Economy (social entreprises and
associations)
• adaptability and flexibility
– From 2.500 € to 600.000 €
– During: 1 month to 20 years.
– Rate: 3 à 6,5%.
MICROCRÉDIT
MICROCRÉDIT
PROFESSIONNAL MICROCREDIT
• Entrepreneurship development .
• No access to bank’s credit.
• Support for 2 years by volunteers
• Specificity:
– 15.000€.
– During 4 years maximum.
– Rate 6%.
– The Sustainable Microcrédit.: 25.000 €
CRÉDIT IMPACT+
• Creation or development of SMEs
• Engaged in a strong momentum around the 3
pillars of sustainable development: economic social - environmental
• Spécificités:
– From 15.000€ to 200.000 €
– Variable rate based on social and environnemental
performances
PERSONNAL MICROCRÉDIT
Consumer credit whose objective is the realization of
a life (job, marriage, family reunification migrants, ...)
 For people with low incomes, bank excluded.
 Specificities:
– Max 10.000€.
– 4 years max.
– Rate 4,5% - 5 %.
GREEN MICROCREDIT
Le Prêt Vert Bruxellois:
- Max 20.000€
- Rate: 0%
- For people who want to make energy-saving
work in their home
Le projet a été réalisé à l’initiative de Bruxelles Environnement,
l’Administration de l’Energie et de l’Environnement en Région de
Bruxelles-Capitale.
MICROCRÉDIT:
Live Well At Home
Live Well At Home:
- Max 10.000€
- Rate: 0%
- For people 65 + losing autonomy wishing
to carry out development for their home
maintenance
Le projet réalisé à l’initiative de La Ministre Tillieux, Ministre de
la Santé, de l’Action Sociale et de l’Egalité des Chances.
L’ÉQUIPE DE CRÉDAL
• 41 employees and 70 volunteers.
• branches in all major cities (in the french part of
Belgium):
•
•
•
•
•
•
Louvain-la-Neuve
Bruxelles
Charleroi
Liège
Namur
Marche
L’ÉQUIPE DE CRÉDAL
Administration
Crédal est soutenu par :
Administration
Merci de votre attention
Contact:
[email protected]
010/48.33.50
www.credal.be