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MICROFINANCE
We promote microfinance as a tool to overcome social and financial exclusion.
EMN
Conference 2026
Join us in Barcelona, Spain, from 14-16 October 2026, for insightful discussions and networking.
Resilience
Financial Health
Supporting vulnerable entrepreneurs through economic challenges.
European
Highlighting the impact of microfinance on social and economic inclusion since 2014.
Peer-to-Peer
visits
Exclusive for EMN members to explore best practices and deepen expertise on key themes
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MICROFINANCE
Discover open calls for proposals, applications, and expressions of interest in the microfinance sector
Shaping the future of microfinance
Our work

Advocacy
The development of microfinance in Europe has encountered many legal and political obstacles. It is therefore important that the European Microfinance Network be strongly involved in advocacy on a wide range of issues related to microfinance, micro-enterprises, social and financial exclusion, self-employment and employment creation.

Knowledge Exchange
The peer-to-peer exchange visits, exclusively intended for EMN members, provide each EMN member with the opportunity to visit another member on a specific theme, in order to deepen the understanding of their work, to encourage exchange of good practices and to develop expertise. These bilateral exchanges, tailor-made to members’ needs and expectations, also facilitate cooperation and collaboration between EMN members.

Research
The development of microfinance in Europe has encountered many legal and political obstacles. It is therefore important that the European Microfinance Network be strongly involved in advocacy on a wide range of issues related to microfinance, micro-enterprises, social and financial exclusion, self-employment and employment creation.

Working Groups
EMN organises Working Groups to strengthen the involvement of its members in the Network. The activities carried out by the different Working Groups are very diverse: organisation of workshops, elaboration of research papers, publications, creation of new tools for microfinance management, etc.
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About us
European Microfinance Network is an NGO that connects microfinance institutions, social finance organizations, and other stakeholders throughout Europe (EU and candidate countries). Since 2003, with the help of members from EU countries and candidate countries, EMN has played an important role in cultivating collaboration, encouraging innovation, and knowledge sharing across the microfinance ecosystem. We partner with EU institutions like the EIF and EIB, as well as corporations, to implement projects across Europe. EMN, together with other partners, also developed the Code of Good Conduct to ensure high standards in microfinance operations and protect clients’ interests.
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Our network
We are proud to have 95 members from 23 countries, including EU and candidate countries. Among these, 27 organizations follow the Code of Good Conduct, showcasing their dedication to high standards in microfinance. Inside EMN there are 11 national networks that are focused on advocating for microfinance as a tool for overcoming social and financial exclusion. Inside of EMN members are collaborating across regions in project consortia and also establish partnerships between themselves for developing dedicated financial products.
EMN amplifies its support for its members through partnerships with companies offering tailored value, enabling the creation of customized events and services. Members also receive assistance from EMN in applying for SIFTA technical support, organizing study visits, and obtaining the COGC. Additionally, EMN offers its support and knowledge to members in conducting research on specific needs, like impact assessments, ensuring they are well-equipped to thrive in the evolving microfinance landscape.
Explore our latest news
Latest news
In today’s fast-paced world, the challenge of social isolation among the elderly has become increasingly pronounced. In Nuoro, Sardinia, the Vivere Insieme Cooperative is rising to meet this challenge head-on, offering a refreshing approach to elderly care that prioritises community engagement and social connection.
A Unique Approach to Elderly Care
Founded by three qualified healthcare professionals —Lucia, Sabrina, and Emanuela— Vivere Insieme introduces the concept of senior cohousing. This model is founded on the belief that elderly individuals are not mere “patients” or “users” but integral members of the community, deserving of autonomy and social interaction. The cooperative places self-sufficient and partially self-sufficient elderly people at the center of its operations, aiming to enhance their quality of life while reducing feelings of loneliness.
Services Offered to Combat Social Isolation
Vivere Insieme offers a range of services designed to cultivate a vibrant and interactive community. At the heart of its mission are the cohousing facilities that create a supportive environment, allowing residents to share experiences and activities, which helps foster friendships and reduce feelings of isolation. The cooperative places a strong emphasis on personal development through daily activities and programs, including regular workshops and social events that engage residents and promote active aging. Its strategic location in the heart of the city further enhances community integration, providing residents with convenient access to local shops, cafés, and services, which facilitates daily interactions with the broader community. Additionally, Vivere Insieme supports caregivers by providing them relief, allowing them to recharge while ensuring their loved ones are engaged and cared for in a nurturing environment.
The Role of Coopfin and Microfinance
While the vision for Vivere Insieme was ambitious, the journey to its realisation faced significant financial hurdles. The founders encountered challenges securing traditional funding due to the lack of a credit history and assets. This is where Coopfin and microfinance stepped in.
Coopfin provided vital support through tailored microcredit solutions specifically designed for cooperative initiatives. This funding was instrumental in covering the costs of renovations and the initial investments needed to bring their vision to life. Beyond financial assistance, Coopfin also played a crucial role in guiding the cooperative through the startup phases. They helped establish proper management structures, navigate regional registries, and develop essential internal regulations.
Moreover, Coopfin supported Vivere Insieme in creating a robust promotional strategy, including the development of a user-friendly website and communication plan, which were essential for attracting residents and facilitating community engagement.
A Vision for the Future
Now fully operational, Vivere Insieme hosts 15 residents and welcomes several day guests, proving the demand for innovative elderly care solutions. Encouraged by the success of their initial facility, the founders are actively seeking additional properties to scale their operations and establish similar facilities, amplifying their positive impact on the community.
In conclusion, the Vivere Insieme initiative exemplifies how thoughtful, community-oriented services can combat the pervasive issue of social isolation among the elderly. With the support of Coopfin and microfinance, this cooperative has not only transformed the lives of its residents but also enriched the wider Nuoro community. Through dedication, innovation, and collaboration, Vivere Insieme is pioneerising a model that redefines care for the aging population, ensuring they lead fulfilling, active, and engaged lives within their community.
In an inspiring tale of innovation and resilience, Mathieu Beauval from La Réunion is redefining local entrepreneurship through his commitment to sustainability and community engagement. As part of the 2026 European Microfinance Day Campaign, we spotlight his journey, which exemplifies the transformative power of microfinance and the vital role of support systems like ADIE.
A Passion for Sustainability
Mathieu Beauval, 37, hails from the Plateau Goyaves neighborhood in Saint Louis, La Réunion, where valuing local resources and championing sustainability were ingrained in his upbringing. With a keen sensitivity to environmental issues and a commitment to combatting food waste, Mathieu embarked on a professional journey after working as an independent contractor for EDF, the French national utility company. However, the Covid-19 pandemic prompted a profound re-evaluation of his career and a desire to contribute more meaningfully to his community.
This self-reflection led Mathieu to a pivotal moment in 2020 when he witnessed the astonishing amount of fruits and vegetables discarded because they did not meet market standards despite being perfectly edible. This revelation sparked his entrepreneurial vision: to transform this overlooked produce into high-value-added food products, merging the concepts of a circular economy and social responsibility.
Founding “Les Délices de Mamie”
With a determination to make a difference, Mathieu founded “Les Délices de Mamie,” a company dedicated to processing local fruits and vegetables. The business specialises in creating gluten-free flours, jams, syrups, herbal teas, and more, making use of the raw materials that would otherwise go to waste.
Despite his passion and innovative approach, Mathieu encountered significant obstacles in accessing traditional bank financing. As a young entrepreneur with an evolving business model, he struggled to secure the necessary investments for processing equipment and product development, often facing the stringent financial requirements of conventional banks.
The Crucial Role of ADIE
In 2023, when faced with cash flow challenges and a pressing need for growth, Mathieu turned to ADIE for support. ADIE provided crucial funding, allowing him to invest in production equipment and establish a small artisanal workshop. This transformation significantly improved hygiene standards, increased production capacity, and diversified his product offerings.
Beyond financial assistance, ADIE’s personalised coaching and training were instrumental in helping Mathieu build a sustainable business model. He received essential skills in budget management, allowing him to structure his project effectively and plan for the future.
Community Engagement and Social Impact
Mathieu’s enterprise is not solely about food production; it is deeply rooted in community involvement. He often recruits friends and neighbors during peak production times, fostering a spirit of collaboration and shared purpose. Recognition of the need for awareness, Mathieu also engages in educational initiatives, organising workshops for schools, community centers, and local associations. These efforts promote sustainable eating habits and combat food waste, amplifying his impact on the community.
As a result of these initiatives, Mathieu’s business is flourishing, recovering and transforming over one ton of fruits and vegetables each year. His commitment to working closely with local producers strengthens the circular economy in La Réunion, ensuring that his success contributes positively to the local agricultural landscape.
Looking to the Future
Mathieu’s aspirations are clear: he aims to expand the production of gluten-free flour to make it accessible to a broader audience while remaining true to his sustainable values. He plans to gradually introduce his products into select supermarkets across the island, increasing accessibility and awareness of responsible consumption.
Moreover, Mathieu’s dedication goes beyond business; he envisions himself as a trainer and influencer in the community, continuously advocating for responsible food practices and the fight against food waste.
Mathieu Beauval’s journey is a powerful illustration of how microfinance, coupled with community support, can lead to social, economic, and environmental change. Thanks to the interventions of ADIE, his business has grown, structured itself effectively, and created local value while tackling significant social challenges.
In a world increasingly concerned with sustainability and local empowerment, Mathieu stands as a role model for aspiring entrepreneurs, demonstrating that with the right support and community involvement, transformative change is possible.
The European Microfinance Network (EMN) and the Microfinance Centre (MFC) are excited to announce the establishment of a new Microfinance Advocacy Committee, which will be jointly chaired by representatives from both organizations. This initiative aims to enhance advocacy efforts within the microfinance sector across the European Union.
The committee is seeking candidates from EMN and MFC member organizations who are actively involved in microfinance to participate in this important endeavor. Ideal candidates will be dedicated practitioners willing to contribute to the development of advocacy strategies and activities that address the sector’s diverse challenges and priorities.
The primary objectives of the Microfinance Advocacy Committee include:
– Building consensus on key concerns and challenges faced by the microfinance industry.
– Enhancing the visibility of the sector and demonstrating its impact and results.
– Strengthening collaboration among practitioners, policymakers, and public investors.
To learn more about the purpose, objectives, composition, functioning, and selection process of the Microfinance Advocacy Committee, interested individuals are encouraged to refer to the Terms of Reference.
Applications are open until 11th May 2026. To apply, please submit your CV along with the completed application form to the following email addresses: m.vial@european-microfinance.org, mc.ndour@european-microfinance.org, and Beata@mfc.org.pl.
The EMN and MFC teams look forward to receiving applications and working collaboratively to bolster microfinance research and advocacy efforts in Europe.
Brussels, April 22nd, 2026 – The European Microfinance Network (EMN) held its board meeting in Brussels last week, on April 15th, marking a significant leadership transition as Laure Coussirat-Coustére concluded her tenure as EMN President. The board is pleased to announce the appointment of Stefan Buciuc, CEO of BCR Social Finance from Romania, as the new President.
In his inaugural message, Stefan expressed a profound sense of responsibility and urgency regarding the challenges facing microfinance in Europe.
“Taking on the presidency of the European Microfinance Network fills me with both pride and a sense of urgency. Nearly 95 million people in the European Union live at risk of poverty or social exclusion. Behind that number are individuals with talent, determination, and ideas — held back not by lack of ambition, but by lack of access. Microfinance exists to break that barrier. It is not a safety net; it is a springboard. And as I take on this role, I am determined that our sector steps up to match the scale of the challenge before us — including the profound transformation that artificial intelligence is already bringing to every corner of our economies.
The EU has set out bold commitments through the European Pillar of Social Rights, yet the financing gap for the most vulnerable entrepreneurs remains stubbornly wide. At the same time, the AI revolution is reshaping labour markets at speed, displacing jobs, creating new ones, and — if we are not deliberate — deepening existing inequalities. Those already on the margins are the most exposed. Microfinance providers must be at the forefront of this transition: helping excluded entrepreneurs adopt digital tools, access innovation, and compete in an economy that is changing faster than our policy frameworks can follow.
InvestEU and ESF+ have proven their worth, but we must be honest: the current level of ambition is not enough. We need more resources, faster deployment, and smarter design — instruments built for a 21st-century economy, applicable also for EU candidate countries. Not the ones we had a decade ago. EMN will not be a passive observer in Brussels. We will advocate loudly, with data and with conviction, for a policy environment that treats financial inclusion and economic competitiveness as two sides of the same coin.
The negotiation of the next Multiannual Financial Framework is our defining moment. Europe faces a stark choice: invest seriously in the people and communities left furthest behind, or risk deepening the fractures that already threaten our social and economic fabric. In a world where AI and technological innovation are concentrating wealth and opportunity at the top, the MFF must be an instrument of rebalancing — placing microfinance at the heart of Europe’s competitiveness agenda, not at its margins.
I call on EU institutions and Member States to commit to dedicated, ring-fenced funding, reduced bureaucratic barriers, and a long-term vision that empowers millions of people to build their own economic future. Because a Europe that is innovative and competitive but leaves a third of its people behind is not a success — it is a failure. The European Microfinance Network is ready to lead that fight.”
As part of the leadership changes, Lorraine de Fierlant, General Director at Microstart (Belgium), has been appointed as the new Vice-President of the board alongside with Emanuele Cabras (Coopfin, Italy), and Alexandre Nayme, responsible for BNP Paribas Inclusive Finance in Europe and Africa, joins as a board member.
The EMN remains committed to taking an active stance in advocating for financial inclusion and social equity within the European framework. Stefan’s passionate call to action sets the tone for a concerted effort to ensure that microfinance is not relegated to the periphery but is integrated at the core of Europe’s competitive agenda.
The European Microfinance Network is dedicated to leading the fight for an inclusive economic future, ensuring that the needs of all entrepreneurs, particularly the most vulnerable, are met with urgency and conviction.
Explore our latest publications, reports, and insightful studies
Latest publications
This 13th edition of the Survey on Microfinance in Europe, produced by the European Microfinance Network (EMN) and the Microfinance Centre (MFC), draws on data from 198 microcredit providers operating across 30 European countries in 2024.
While the primary focus is on EU-27 countries, the survey also includes data from candidate and potential candidate countries, offering a comprehensive picture of the sector’s European footprint. This edition places a particular emphasis on social outreach to vulnerable groups and microbusinesses.
Microfinance overview surveys
In this publication, the European Microfinance Network describes the latest legislative developments in Greece regarding microfinance.
Regulatory reports
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