investissez dans vos valeurs. credal: of citizen origin « action banque-apartheid »! ...
TRANSCRIPT
Investissez dans vos
valeurs
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
25 millions funding
By 2200 cooperators
Around 1.000 crédits per year
COOPERATIVE DE CREDIT ALTERNATIF
LES PARTS DE COOPÉRATEURS
Dividend between 1,5 and 2,5 % (2012 : 2,17%)
All cooperators invest their savings in shares of the cooperative
Portfolio credit
Portfolio credit
CREDAL: 1 cooperative and 3 non profit associations
Benefits
Dividend
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
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
NEW !
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.
NEW !
L’ÉQUIPE DE CRÉDAL
• 40 employees and 70 volunteers.
• branches in all major cities (in the french part of Belgium):
• Louvain-la-Neuve• Bruxelles• Charleroi• Liège• Namur
Administration
L’ÉQUIPE DE CRÉDAL
Administration
Crédal est soutenu par :
Merci de votre attention
Contact:
010/48.33.50
www.credal.be