Some key data

United finance allows to finance economic initiatives contributing to struggle against exclusion, to social cohesion and to sustainable development.

In 2007, united savings allowed of:

• create 22 000 jobs
• rehouse 1000 families
• support 800 institutions of microcredits in south countries and from the east

The edition 2008 of the Barometre of united finances will be published on May 19th, 2008 by the daily The Cross.

Various actors for supplementary actions? Zoom lens on Banca Popolare Etica and Business Angels of Cities (RECEPTACLE)

The Banca Popolare Etica is an Italian co-operative bank which gives products of united savings and has an internal ethical committee which assesses the eligible non-profit-making organisations at the so harvested united funds. 9 indicators are developed there to assess the economic, social and environmental feasibility of plans. The model of valuation of Banca Popolare Etica is booming today and press in 11 existent counters in Italy but also by the very members who broadcast it on the whole territory. Partnerships are moreover searched at European level, notably with NAVE, in France, and FIARE foundation, in Spain.

5 founder principles of Banca Etica:

• Ethical finance is sensitive to not economic consequences of economic actions.
• The credit, under all its forms, constitutes a right of the person.
• Effectiveness and sobriety are part of ethical responsibility.
• The benefit got from the possession and from the exchange of the money must be the consequence of activities orientated in the good of all, and must be equitably distributed among all subjects which compete to its realisation.
• Transparency maximum of all operations is a foundation of any activity of ethical finance.
• It is necessary to favour the participation, not only on behalf of the associates, but also on behalf of the savers in the choices of the firm.

To know more about Banca Popolare Etica, click

Another approach is developed by the Society of venture capital Business Angels of Cities (RECEPTACLE), founded by . This young 30-year-old businessman native to Mantes the Pretty created the firm of " collective taxis " there (www.atafrance.com). He is also the author of the book "The social lift has broken down, I took the staircase" (Editions the Archipelago - in October. On 2005). Anxious with wanting to share its experience of businessman with the young people of middle from whom he comes, he co-founded the association of , purpose of which is to contribute to the emergence of economic actors in suburbs while favouring the creation of a cloth of SMES in working-class districts. RECEPTACLE, it is 170 investors of the world of finance and big Chiefs today of French firms that accompany, recommend and finance entrepreneuriaux profitable plans after examination of their feasibility. The society has 5 million euro of fund today to be invested.

To know more about RECEPTACLE, click

What perspectives for united finance?

If one reminded of him that the united firms are first the firms of social Economy: co-operative, mutual insurance companies, associations and foundations, it was however underlined that the social questions in our time are not perfectly carried by these actors. Where from the necessary complementarity of initiatives developed by all the actors of the society and of the economic world. The success of united wage savings will indeed be based on the involvement of labour unions, committees of firms and of the leaders of firms themselves.

EDMUND MAIRE, president of the investment company Active France, one of first Unit trust of firm united (FCPE), reminded of range in term of jobs of the united investments accomplished by Active France. So, in 2002, 2000 jobs were consolidated, this figure passed to 8800 in 2006, 11750 in 2007, what leads to envisage 20000 jobs consolidated for 2010. EDMUND MAIRE moreover announced that the law of modernisation of economy will make easier the development of united wage savings by means of a decree which will oblige any firm, since it gives a savings plan to its wage earners, to offer also an united wage fund.

Jeans-baptists de Foucauld, president of new Solidarities facing unemployment, and Martin Hirsch concluded exchanges by reminding of the fundamental of the solidarity which, to be active, must lean on the triptych: resistance, regulation and Utopia.