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# European Microfinance Network

The voice of European microfinance

## Sitemaps

- [XML Sitemap](https://www.european-microfinance.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [#EMD26 Featured Story – TimberKids: A Family Legacy in Children's Furniture](https://www.european-microfinance.org/emd26-featured-story-timberkids-a-family-legacy-in-childrens-furniture/) - In the heart of the Petras family, a new business idea was born, fueled by the desire to create practical and safe furniture for children. Vasile and his wife, who previously owned a furniture manufacturing business, found inspiration in the arrival of their child. As his wife began her quest for suitable furniture for their
- [#EMD26 Featured Story – Empowering Dreams: How Fondi Besa Transformed a Family Business](https://www.european-microfinance.org/emd26-featured-story-empowering-dreams-how-fondi-besa-transformed-a-family-business/) - In the heart of a bustling community, Ema’s carpet store stands as a testament to resilience, hard work, and the profound impact of supportive partnerships. As she reflects on her journey, it becomes clear that the road has not always been smooth, but the help she received from Fondi Besa has been pivotal in transforming
- [#EMD26 Featured Story – Work Inwest Center Thrives with Support from Mikrofonden](https://www.european-microfinance.org/emd26-featured-story-work-inwest-center-thrives-with-support-from-mikrofonden/) - Work Inwest Center, a Work Integration Social Enterprise, has recently navigated a challenging financial period with the assistance of Mikrofonden Sverige. Christina Södergren Nilsson, a business developer at the center, highlighted that the financial support not only provided much-needed stability but also allowed the organization to explore new development opportunities, particularly in the area of
- [#EMD26 Featured Story – Innovative Leadership in Early Education: The Story of Camigo Primary School](https://www.european-microfinance.org/emd26-featured-story-innovative-leadership-in-early-education-the-story-of-mrs-miron-and-camigo-primary-school/) - In the dynamic landscape of early childhood education, few stories illustrate the impact of passion and determination as poignantly as that of Mrs. Miron, co-founder of Camigo Primary School in Cluj-Napoca. With a decade of experience as a preschool teacher, she, along with her husband and mother, embarked on a transformative journey in 2014 by
- [#EMD26 Featured Story – From Adversity to Achievement: The Inspiring Journey of Victorina Matveev](https://www.european-microfinance.org/emd26-featured-story-from-adversity-to-achievement-the-inspiring-journey-of-victorina-matveev/) - In the heart of Satu Mare, a remarkable story unfolds, showcasing resilience, ambition, and culinary artistry through the achievements of Victorina Matveev. Her journey from a student at the Police Academy to a successful entrepreneurial figure in the pastry world is both motivational and inspiring. Victorina faced significant challenges early in her life. In her
- [#EMD26 Featured Story – Achievements of Luxuro SRL: A Success Story in the Fashion Materials Industry](https://www.european-microfinance.org/emd26-featured-story-achievements-of-luxuro-srl-a-success-story-in-the-fashion-materials-industry/) - Founded in 2017 by Andrei Varut, Luxuro SRL stands as a remarkable example of entrepreneurial success in Romania's fashion materials sector. From its inception, the company was driven by Varut's passion for tailoring and a keen awareness of a gap in the market for high-quality materials for wedding and occasion dresses. His vision transformed Luxuro
- [#EMD26 Featured Story – Empowering Communities: The Inspiring Journey of Corina Popa, a Visionary Pharmacist](https://www.european-microfinance.org/emd26-featured-story-empowering-communities-the-inspiring-journey-of-corina-popa-a-visionary-pharmacist/) - In the heart of Timiș County, a remarkable story of perseverance and dedication unfolds through the journey of Corina Popa, a pharmacist with over 20 years of experience in the pharmaceutical field. Driven by her passion for improving healthcare access in rural areas, Mrs. Popa transformed her vision into reality by establishing two pharmacies in
- [EMN to Co-Organise MicroBalkans 2026 in Skopje](https://www.european-microfinance.org/emn-to-co-organise-microbalkans-2026-in-skopje/) - We are pleased to announce our partnership as co-organiser of MicroBalkans 2026, the leading regional conference for lending, fintech and non-bank financial institutions in the Western Balkans. Taking place from 24 to 26 September 2026 in Skopje, North Macedonia, the event will be hosted by the Group of Non-Banking Financial Companies within the Economic Chamber
- [#EMD26 Featured Story - Empowering Entrepreneurship Through Microfinance: The Story of Ana's Sweets](https://www.european-microfinance.org/emd26-featured-story-empowering-entrepreneurship-through-microfinance-the-story-of-anas-sweets/) - In the competitive world of artisanal baking, establishing a new business can present significant challenges, especially for those without an established financial history. The case of Ana Maria Ichim and her venture, Ana's Sweets, illustrates how microfinance can play a crucial role in overcoming these obstacles and fostering local entrepreneurship. Ana's Sweets is a premium
- [#EMD26 Featured Story - Empowering Entrepreneurs: Ana Pătruțescu's Journey to Success](https://www.european-microfinance.org/emd26-featured-story-empowering-entrepreneurs-ana-patrutescus-journey-to-success/) - In a world where many feel trapped in their jobs, Ana Pătruțescu's story stands out as a beacon of determination and entrepreneurship. After years of working in a factory, Ana decided to pursue her passion for tailoring and take control of her future. In 2012, she took a bold step and left her stable job
- [#EMD26 Featured Story - Empowering Entrepreneurship: The Journey of Studio A Hair Salon](https://www.european-microfinance.org/emd26-featured-story-empowering-entrepreneurship-the-journey-of-studio-a-hair-salon/) - In the picturesque town of Tuzla, Bosnia and Herzegovina, a new story is unfurling as part of the European Microfinance Day Campaign, brought to light by our campaign's partner, the Microfinance Centre. At the heart of this narrative is Ademir Imširović, a determined entrepreneur with a vision to make his mark in the world of
- [Exciting News: Early Bird Registrations Now Open for the EMN Annual Conference 2026!](https://www.european-microfinance.org/exciting-news-early-bird-registrations-now-open-for-the-emn-annual-conference-2026/) - We are thrilled to announce that Early Bird registrations for the EMN Annual Conference 2026 are officially open! Join us in the vibrant city of Barcelona on October 15-16 for a transformative experience themed "Building an Inclusive Entrepreneurship Ecosystem Together." This year's conference, organised in collaboration with Microbank and Autoocupació, will explore the vital components
- [#EMD26 Featured Story — Innovating Babywearing: The Journey of babyloop](https://www.european-microfinance.org/emd26-featured-story-innovating-babywearing-the-journey-of-babyloop/) - In today’s fast-paced world, parents seek convenience and functionality without compromising the safety and comfort of their children. Michaela Andrejaš, a former Czech attorney and seasoned babywearing educator, identified a significant gap in the market for baby carriers. After nearly a decade of hands-on experience working with parents, she recognized an ongoing struggle: existing products
- [#EMD26 Featured Story — Empowering Change: How Vanessa Freitas Transformed Her Passion into a Thriving Business](https://www.european-microfinance.org/emd26-featured-story-empowering-change-how-vanessa-freitas-transformed-her-passion-into-a-thriving-business/) - In an inspiring story of resilience and entrepreneurship, Vanessa Freitas, originally from Brazil, has made her mark in Belgium by creating a holistic haircare and wellness brand specifically tailored for textured and mixed hair types. Since moving to Belgium in 2017, Vanessa has navigated the challenges of being an migrant entrepreneur and has turned her
- [#EMD26 Featured Story — Magea: Pioneering Educational Innovation in Rural Communities](https://www.european-microfinance.org/emd26-featured-story-magea-pioneering-educational-innovation-in-rural-communities/) - In the picturesque municipality of Castrillo del Val, a groundbreaking initiative known as Magea is making strides in transforming education and community development. Established as a non-profit social initiative, Magea operates through a worker cooperative managed by four dedicated women. Each partner holds equal ownership and decision-making power, reflecting a commitment to cooperation instead of
- [#EMD26 Feqtures Story — From Passion to Profession: Dmytro Nevynnyi's Entrepreneurial Journey with Grizzly Studio](https://www.european-microfinance.org/from-passion-to-profession-dmytro-nevynnyis-entrepreneurial-journey-with-grizzly-studio/) - In the heart of Bari, Italy, a remarkable story of transformation and determination unfolds through the journey of Dmytro Nevynnyi, a 27-year-old entrepreneur originally from Ukraine. Dmytro’s path took a pivotal turn at the age of 17 when he arrived in Italy, evolving from a dental technician to a passionate massage therapist and business owner.
- [#EMD26 Featured Story — Empowering Change: Dimitra Triantafyllou's Journey to Social Entrepreneurship](https://www.european-microfinance.org/emd26-featured-story-empowering-change-dimitra-triantafylous-journey-to-social-entrepreneurship/) - Today, we share an inspiring story from the AFI Microfinance, featuring the remarkable journey of Dimitra Triantafyllou, a 56-year-old mother from Sidirokastro in Serres. Dimitra faced daunting challenges, as she found herself unemployed and financially reliant on her family. Despite her extensive experience and unwavering determination, the limited job market made it incredibly difficult for
- [#EMD26 Featured Story — Celebrating Resilience: The Inspiring Journey of Hamza Nabil and Hamza Skin](https://www.european-microfinance.org/emd26-featured-story-celebrating-resilience-the-inspiring-journey-of-hamza-nabil-and-hamza-skin/) - As we come together to celebrate the inspiring stories fostered by the spirit of entrepreneurship, we are excited to unveil the fifth feature in our European Microfinance Day Campaign. This edition highlights Hamza Nabil, an exceptional individual whose journey from conflict to entrepreneurial success demonstrates the transformative power of microfinance. Originally hailing from Mosul, Iraq,
- [#EMD26 Featured Story — Bridging Tradition and Innovation: The Story of Andreas Stefanidis and BioGastronomy.eu](https://www.european-microfinance.org/emd26-featured-story-bridging-tradition-and-innovation-the-story-of-andreas-stefanidis-and-biogastronomy-eu/) - In the picturesque region of Kefalonia, Greece, where the sun-drenched olive groves flourish, a social entrepreneur is transforming the landscape of sustainable agriculture and food access. Andreas Stefanidis, with over 25 years of diverse experience in business education, research, and entrepreneurship support, stands at the forefront of this initiative. His journey illustrates a compelling narrative
- [Upcoming Event: Webinar on DevelopmentAid's Services](https://www.european-microfinance.org/upcoming-event-webinar-on-developmentaids-services/) - We are excited to announce our partnership with DevelopmentAid, the leading information service provider for international development aid and humanitarian assistance stakeholders. Their mission is to deliver up-to-date, relevant information for donors, agencies, consultancies, NGOs, and individuals in the international development sector. To introduce DevelopmentAid's services and demonstrate how they can benefit EMN members, we
- [EMN launches its podcast, microtalk.](https://www.european-microfinance.org/emn-launches-its-podcast-microtalk/) - We are thrilled to announce the launch of EMN's new podcast, microtalk.! This exciting initiative aims to spotlight the inspiring stories of micro-entrepreneurs from Europe and beyond. Each episode will explore important themes such as women entrepreneurs, youth and migrant entrepreneurship, financial inclusion, and financial health. In celebration of our launch, we are proud to
- [#EMD26 Featured Story - Combating Social Isolation Through Innovative Elderly Care: The Vivere Insieme Initiative](https://www.european-microfinance.org/emd26-featured-story-combating-social-isolation-through-innovative-elderly-care-the-vivere-insieme-initiative/) - 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
- [#EMD26 Featured Story – Transforming Resources into Opportunities: The Inspiring Journey of Mathieu Beauval](https://www.european-microfinance.org/emd26-featured-story-transforming-resources-into-opportunities-the-inspiring-journey-of-mathieu-beauval/) - 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.
- [Maria Nowak Research Fellowship - ToR Cooperative Bank of Karditsa](https://www.european-microfinance.org/maria-nowak-research-fellowship-tor-cooperative-bank-of-karditsa/) - The research will focus on evaluating the impact of climate incidents and physical risk factors on rural communities, analysing the current support mechanisms provided by cooperative banks/MFIs, and proposing financial products and services tailored to the needs arising from such crises. By doing so, Cooperative Bank of Karditsa aims to strengthen its capacity to serve its
- [EMN and MFC Launch New Microfinance Advocacy Committee](https://www.european-microfinance.org/emn-and-mfc-launch-new-microfinance-advocacy-committee/) - 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
- [Announcement: Laure Coussirat-Coustère concluded her role as President of the European Microfinance Network (EMN)](https://www.european-microfinance.org/announcement-laure-coussirat-coustere-concluded-her-role-as-president-of-the-european-microfinance-network-emn/) - Brussels, April 22nd, 2026 – Last week, Laure Coussirat-Coustère concluded her role as President of the European Microfinance Network (EMN) after two successful mandates, embarking on a new chapter in her career. EMN expresses deep gratitude and pride for the opportunity to have worked alongside Laure, whose contributions have significantly inspired and shaped the microfinance
- [EMN Welcomes New President and Strengthens Commitment to Microfinance in Europe](https://www.european-microfinance.org/emn-welcomes-new-president-and-strengthens-commitment-to-microfinance-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
- [68 EU networks unite on next EU budget](https://www.european-microfinance.org/68-eu-networks-unite-on-next-eu-budget/) - The European Association of Service Providers for Persons with Disabilities (EASPD) launches today a joint statement on the next EU Budget, endorsed by 68 European networks and 288 national organisations from 32 countries. Together, the EUFunds4Social coalition calls on the European institutions to safeguard and strengthen a standalone European Social Fund (ESF) and European Regional
- [Discover the New Microfinance Explorer](https://www.european-microfinance.org/discover-the-new-microfinance-explorer/) - The 13th edition of the Survey on Microfinance in Europe is now available. Developed by the European Microfinance Network (EMN) and the Microfinance Centre (MFC), this year’s report brings together data from 198 microcredit providers across 30 European countries for the year 2024. Alongside a strong focus on the EU‑27, it also includes insights from candidate and potential candidate countries, providing a wide-angle picture of microfinance
- [Funding Opportunity for Projects Supporting Vulnerable Women and Girls](https://www.european-microfinance.org/funding-opportunity-for-projects-supporting-vulnerable-women-and-girls/) - Created in 2020, the L’Oréal Fund for Women is an endowment fund dedicated to supporting grassroots organizations and associations that assist highly vulnerable women and girls and combat gender-based and sexual violence. The Fund supports projects that provide access to education, social and professional integration, and the protection of women’s rights, contributing to the resilience
- [Meet EMN New Member: Globus Bank](https://www.european-microfinance.org/meet-emn-new-member-globus-bank/) - EMN is excited to welcome Globus Bank as a new member of our network! Globus Bank is a private commercial bank in Ukraine that focuses on supporting national recovery by providing sustainable and accessible financial solutions. Its mission is to promote economic stability and address the needs of micro, small, and medium-sized enterprises through tailored
- [Project Updates: Ready4Work](https://www.european-microfinance.org/project-updates-ready4work/) - In Spain and Greece, our local partners, Autoocupació and ANKA, are working with 60 young people who are not engaged in education, employment, or training (NEETs) to help them find a path toward employment. The reasons for economic exclusion among these individuals vary, including issues related to education, housing, migration, and family obligations, such as
- [Project Updates: Financial Health and Resilience](https://www.european-microfinance.org/project-updates-financial-health-and-resilience/) - Entrepreneurial activity in low-income communities faces numerous challenges, but it is not impossible for it to thrive. The Financial Health and Resilience project is committed to identifying strategies that support entrepreneurs and enhance their financial resilience. Since many entrepreneurs depend on their businesses for their livelihood, providing support not only contributes to their business success
- [New Opportunities: EUIPO's Online Courses](https://www.european-microfinance.org/new-opportunities-euipos-online-courses/) - The EUIPO - European Union Intellectual Property Office is offering two online training opportunities: one focused on IP for Business Advisers and the other on IP Monetisation Opportunities. You can find more information at the links below. 🔗𝗜𝗣 𝗳𝗼𝗿 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗔𝗱𝘃𝗶𝘀𝗲𝗿𝘀 🔗𝗜𝗣 𝗠𝗼𝗻𝗲𝘁𝗶𝘀𝗮𝘁𝗶𝗼𝗻 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀
- [Partnership: UNESCO-Designed Sites & Programmes](https://www.european-microfinance.org/partnership-unesco-designed-sites-programmes/) - We are excited to announce that UNESCO and EMN have joined forces to develop innovative resource mobilization mechanisms for the benefit of UNESCO-designated sites and programs. The goals of this collaboration include: Mobilizing Funding: Attract public and private funding to support communities associated with UNESCO-designated sites and programs. Developing a Sustainable Investment Ecosystem: Create a
- [New Partnership Announcement: The European Union Intellectual Property Office (EUIPO)](https://www.european-microfinance.org/new-partnership-announcement-the-european-union-intellectual-property-office-euipo/) - We are delighted to announce that during the recent EMN General Assembly held in Cagliari on October 16th, we officially established a partnership with the European Union Intellectual Property Office (EUIPO). This partnership aims to foster cooperation among financial stakeholders to improve access to finance for SMEs and start-ups. By enabling these enterprises to leverage
- [10 year fi-compass anniversary](https://www.european-microfinance.org/10-year-fi-compass-anniversary/) - The European Commission and the European Investment Bank (EIB) are organising the sixth edition of our flagship FI Campus 2025 event on 25, 26 and 27 November 2025 in Brussels, Belgium (in person only). The event will also celebrate the 10th anniversary of fi-compass and our community of financial instrument practitioners. FI Campus 2025 will cover key topics, reflecting
- [SIFTA Programme is now on LinkedIn!](https://www.european-microfinance.org/sifta-programme-is-now-on-linkedin/) - Exciting News: The Social Inclusive Finance Technical Assistance (SIFTA) is now on LinkedIn! Follow our page to stay up-to-date on our journey of innovation and growth and help us spread the word by resharing this post - let's continue to stay connected as a community! The SIFTA programme is funded by European Investment Bank (EIB) and offers free-of-charge targeted
- [EVENT: Technical workshop on macroprudential policies for non-bank financial intermediation (NBFI)](https://www.european-microfinance.org/event-technical-workshop-on-macroprudential-policies-for-non-bank-financial-intermediation-nbfi/) - On 22 May 2024, the European Commission's Directorate-General for Financial Stability, Financial Services and Capital Markets Union (DG FISMA) will organise a technical workshop to launch a targeted consultation on macroprudential policies for non-bank financial intermediaries. Information on how to register are available at this LINK.
- [NEW PUBLICATION: MICROLUX 2023 ANNUAL REPORT](https://www.european-microfinance.org/new-publication-microlux-2023-annual-report/) - EMN member, Microlux, has just published its 2023 Annual Report. If you are curious to learn all the latest updates and initiatives promoted by Microlux, click this LINK to read the full report and HERE for the press-release.
- [NEW PUBLICATION: FINANCING SOCIAL ECONOMY IN EUROPE – THE NEED FOR A STRONGER INVESTEU PROGRAM](https://www.european-microfinance.org/new-publicationfinancing-social-economy-in-europe-the-need-for-a-stronger-investeu-program/) - Today we are happy to share with you the latest publication from Social Economy Europe on "FINANCING SOCIAL ECONOMY IN EUROPE – THE NEED FOR A STRONGER INVESTEU PROGRAM". You can find a short version of the document at this LINK or download the the full report HERE.
- [Title](https://www.european-microfinance.org/1404-2/)
- [Webinar # 2: Unlocking Opportunities: Microfinance 1.01 for Women Entrepreneurs](https://www.european-microfinance.org/webinar-2-unlocking-opportunities-microfinance-1-01-for-women-entrepreneurs/) - Women entrepreneurs in the Balkans encounter significant challenges in accessing the financial resources needed to launch, sustain, and grow their businesses. Factors such as limited collateral, gender bias in traditional banking, and insufficient financial literacy create substantial barriers. Microfinance offers a transformative solution by providing women with small loans, mentoring, and tailored financial products, which
- [Financing Her Future: How Microfinance Empowers Women Entrepreneurs Across Europe](https://www.european-microfinance.org/financing-her-future-how-microfinance-empowers-women-entrepreneurs-across-europe/) - On 29 April 2025, the European Microfinance Network (EMN), in collaboration with the Women Entrepreneurship Platform (WEP), held a pivotal webinar titled "Unlocking Opportunities: Microfinance 1.01 for Women Entrepreneurs." The event brought together field practitioners, institutional representatives, and advocates for gender equality in finance to explore the potential of microfinance as a tool for women's
- [Spain Leads the EU in Microcredit Provision and Hosts the 2025 European Microfinance Day in Barcelona](https://www.european-microfinance.org/spain-leads-the-eu-in-microcredit-provision-and-hosts-the-2025-european-microfinance-day-in-barcelona/) - This year’s European Microfinance Day, taking place on 22–23 May in Barcelona, comes at a symbolic moment for the sector: Spain now leads the European Union in microcredit provision, according to recent figures published by El Periódico. With over 55,000 active operations and more than €900 million in circulation, Spain has become a benchmark in
- [Press Release: Barcelona Hosts the Closing Ceremony of the European Microfinance Day with MicroBank and Fundació Autoocupació](https://www.european-microfinance.org/press-release-barcelona-hosts-the-closing-ceremony-of-the-european-microfinance-day-with-microbank-and-fundacio-autoocupacio/) - - The day highlights the role of microcredits as a tool for social and financial inclusion. - With a loan portfolio of 2.136 billion euros, Spain leads Europe in the penetration of microcredits. 22 May 2025 Barcelona has emerged as the European capital of microfinance with the celebration of the closing ceremony of the
- [Maria Nowak Research Fellowship - ToR Asociación Española de Microfinanzas](https://www.european-microfinance.org/maria-nowak-research-fellowship-tor-asociacion-espanola-de-microfinanzas/) - The main objective of this research is to analyse the financial exclusion experienced by migrant populations in Spain and to evaluate the role of microcredit as an effective tool for fostering their inclusion in the financial system. The study will combine qualitative and quantitative methodologies to assess the current barriers, the effectiveness of existing financial
- [Maria Nowak Research Fellowship - ToR #SheDidIt](https://www.european-microfinance.org/maria-nowak-research-fellowship-tor-shedidit/) - The research aims to demonstrate the economic and social benefits of investing in female entrepreneurs in Belgium, with a particular focus on women of color and those with migration backgrounds. The objective is to assess how microfinance can empower these entrepreneurs to create sustainable businesses while also analysing their specific needs and the effectiveness of
- [Banca Etica: ReArm Europe is a dangerous green light for the financialisation of war](https://www.european-microfinance.org/banca-etica-rearm-europe-is-a-dangerous-green-light-for-the-financialisation-of-war/) - Padua, 30th April 2025 – The European Union’s rearmament plan, ReArm Europe, encourages the channelling of citizens’ savings into the arms industry and represents a dangerous green light for the financialisation of war. This warning comes from Banca Etica, which argues that security and geopolitical stability must not be entrusted to the speculative logic of
- [Call for Consultant – Focus Papers for Mastercard Strive EU Program](https://www.european-microfinance.org/call-for-consultant-focus-papers-for-mastercard-strive-eu-program/) - The European Microfinance Network (EMN) is seeking a qualified and experienced consultant to produce two focus papers as part of the Mastercard Strive EU Programme. This program aims to strengthen the resilience and growth of small businesses across Europe by promoting innovative, digital, and data-driven solutions that facilitate access to finance, improve operational capacity, and
- [EMN Annual Conference: Early Bird Registrations Open!](https://www.european-microfinance.org/emn-annual-conference-early-bird-registrations-open/) - The role of microfinance is crucial in empowering regional and local communities, fostering cohesion, and enhancing cooperation. Key examples illustrate how microfinance and cooperatives can improve access to housing, promote gender equity and equal opportunities, stimulate employment and green entrepreneurship, and drive innovation. This year, EMN Annual Conference focuses on strengthening communities through microfinance and
- [New partnership with UNESCO](https://www.european-microfinance.org/new-partnership-announcement/) - EMN is extremely thrilled and proud to announce a strategic partnership with UNESCO that would focus on attracting public and private funding around UNESCO-designated sites in Europe and support nearby local communities. Furthermore, we plan to jointly develop and implement projects to foster sustainable development and green microfinance. "This unique partnership aims to eventually develop

## Pages

- [Home Page](https://www.european-microfinance.org/) - A member-based not-for-profit organisation which promotes microfinance as a tool to fight social and financial exclusion in Europe through self-employment and the creation of microenterprises.
- [Members' Platform Eudonet](https://www.european-microfinance.org/our-community/members-platform-eudonet/) - Members' Platform Home » Our Community » Members’ Platform Eudonet Access Members' Platform
- [Our Impact](https://www.european-microfinance.org/our-community/our-impact/) - Our IMPACT Home » Our Community » Our Impact Members 0 Countries 0 Microfinance organizations 0 non-financial service providers 0 National networks 0 Corporates 0 EMN partners 0 Investors in microfinance 0 Hear it directly from our community What Members say Being part of EMN has been invaluable for Fortell Impact. It has enabled us
- [Maria Nowak research fellowship](https://www.european-microfinance.org/funding-opportunities/maria-nowak-research-fellowship/) - The Maria Nowak Research Fellowship is a flagship initiative designed to support EMN members through research-driven consultancy.
- [Test page](https://www.european-microfinance.org/test-page/) - {"add_more_1":{"display_mode":"show","fire_action":"All","file_types":"png"},"N2":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_1","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"0cf78cc"}]},"S2":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_1","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"a567621"}]},"field_3f9d85a":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_1","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"72411af"}]},"field_02fdd82":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_1","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"310238d"}]},"add_more_2":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_1","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"399be6a"}]},"field_60f2b88":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_2","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"0cf78cc"}]},"field_3b880fb":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_2","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"a567621"}]},"field_3ee2d00":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_2","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"72411af"}]},"field_68db98b":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_2","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"310238d"}]},"add_more_3":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_2","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"399be6a"}]},"field_26150f5":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_3","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"0cf78cc"}]},"field_6554ab9":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_3","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"a567621"}]},"field_3e1da9a":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_3","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"72411af"}]},"field_1b6c667":{"display_mode":"show","fire_action":"All","file_types":"png","logic_data":[{"cfef_logic_field_id":"add_more_3","cfef_logic_field_is":"==","cfef_logic_compare_value":"Yes","_id":"310238d"}]},"field_b4402ac":{"display_mode":"show","fire_action":"All","file_types":"png"},"field_351e9a3":{"display_mode":"show","fire_action":"All","file_types":"png"},"field_afb3dc3":{"display_mode":"show","fire_action":"All","file_types":"png"},"field_c4516f2":{"display_mode":"show","fire_action":"All","file_types":"png"},"field_b48aa55":{"display_mode":"show","fire_action":"All","file_types":"png"},"field_d0a513a":{"display_mode":"show","fire_action":"All","file_types":"png"}} Description of the organisation Organisation full name* Date of creation* Legal status* Public / Private* Public Private No. of Branches* Previous Year Total Balance Sheet (€)* VAT Number* Website* Address* City* Postal Code* Country* Telephone* Email* I hereby certify that the organisation is legally registered and eligible to apply for EMN membership in its
- [People](https://www.european-microfinance.org/about/people/) - Meet EMN Board and get in touch with the Secretariat
- [Events](https://www.european-microfinance.org/events/) - Meet the network: Check EMN's upcoming events!
- [Calls & Financial instruments](https://www.european-microfinance.org/funding-opportunities/calls-and-financial-instruments/) - EMN regularly disseminates various calls for proposals, expressions of interest, and grant opportunities that may support its members in their capacity building and projects.
- [Takeaways](https://www.european-microfinance.org/our-knowledge/takeaways-annual-conference-2025/) - Takeaways Home » Our Knowledge » Takeaways Annual Conference 2025 - Takeaways Document Dowload the Takeaways "Microfinance is a house of name, people know what they are talking about when they talk about microfinance." The importance of the sector was also confirmed by the numbers from the Annual Conference. Held in Cagliari, Sardinia and organised
- [Publications](https://www.european-microfinance.org/publications/) - Access EMN's & its members' publications
- [Members](https://www.european-microfinance.org/our-community/members/) - Check EMN's members
- [Peer-to-Peer Visits](https://www.european-microfinance.org/peer-peer-visits/) - 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.
- [Join our Community](https://www.european-microfinance.org/our-community/join-our-community/) - Discover the members benefits and learn how to become a members
- [Activity Reports](https://www.european-microfinance.org/our-knowledge/activity-reports/) - Check EMN's Annual Reports
- [News](https://www.european-microfinance.org/activities/news/) - NEWS Home » Our Activities » News #EMD26 Featured Story – TimberKids: A Family Legacy in Children’s Furniture In the heart of the Petras family, a new business idea was born, fueled by the desire to create practical and safe furniture for children. Vasile and his wife, who previously owned a furniture manufacturing business, found
- [Research](https://www.european-microfinance.org/research/) - EMN serves as a leading knowledge hub on microfinance in Europe, providing valuable insights for policymakers, investors, researchers, MFIs and other sector stakeholders.
- [Contact](https://www.european-microfinance.org/contact/) - Learn more about EMN
- [Funding Opportunities](https://www.european-microfinance.org/funding-opportunities/) - Various funding opportunities are available for the microfinance sector. In this section, you can find information about calls for funding from European institutions and organizations.
- [Our Knowledge](https://www.european-microfinance.org/our-knowledge/) - One of the benefits of joining EMN’s network is gaining access to a diverse range of resources that support microfinance and social economy stakeholders. Access the material here
- [Advocacy](https://www.european-microfinance.org/advocacy/) - Our advocacy department provides strategic information to its members on EU policy, meetings with political leaders, and represents the sector in public responses to consultations on various issues.
- [Our Activities](https://www.european-microfinance.org/activities/) - From advocacy and research programmes, to technical assistance and events, EMN provides full support to the European microfinance sector.
- [About us](https://www.european-microfinance.org/about/) - Discover EMN history, mission, and values
- [Toolkit](https://www.european-microfinance.org/our-knowledge/toolkit/) - The European Microfinance Network (EMN) offers an Advocacy Toolkit designed to assist its members in developing effective advocacy strategies at the national level.
- [Policy Papers](https://www.european-microfinance.org/our-knowledge/policy-papers/) - The European Microfinance Network provides policy papers and advocacy resources to support financial inclusion and strengthen microfinance institutions (MFIs) across Europe.
- [Vacancies](https://www.european-microfinance.org/about/vacancies/) - Discover the latest opportunities at EMN
- [Technical Assistance](https://www.european-microfinance.org/technical-assistance/) - EMN provides a wide range of technical support to its members and partners, from non-financial services to mentoring programmes
- [Working Groups](https://www.european-microfinance.org/working-groups/) - EMN organises Working Groups to strengthen the involvement of its members in the Network. The groups include: an Advocacy Committee, a Research Committee, a Non-financial Services Working Group, and a National Network Working Group.
- [Projects](https://www.european-microfinance.org/projects/) - EMN is actively part of a wide range of projects, including EU-funded programmes
- [Partners](https://www.european-microfinance.org/our-community/partners/) - Learn about our partnerships
- [Our Community](https://www.european-microfinance.org/our-community/) - Discover the network
- [SIFTA](https://www.european-microfinance.org/emn-social-inclusive-finance-technical-assistance-sifta-programme/) - The Social Inclusive Finance Technical Assistance (SIFTA) is the Technical Assistance programme that takes the baton from EasiTA, which ended on July 31, 2022. SIFTA does not aim to provide technical assistance only to microfinance institutions but to a vast audience of social economy actors like social enterprise finance providers, business incubators, or business accelerators interested in expanding services to financial support. Differently from EaSI TA, SIFTA is a project led by the European Investment Bank’s Invest EU Advisory HUB, and it provides a broad range of services for microfinance and Social Enterprises finance providers like: Workshops to exchange practices and tools among microfinance and social enterprise finance providers. Analytical support provides general guidance on how to apply for financing Services tailored to specific needs of beneficiaries (who need to send a request): Targeted capacity building and technical assistance services through a consortium of service providers consisting of Frankfurt School of Finance & Management GmbH, together with the European Microfinance Network and the Microfinance Centre: Tailored training to provide knowledge and skills to the staff working at MF/SE providers targeting areas of improvement. Investment readiness training to prepare providers for taking on investments, loans, grants, or guarantees under InvestEU Training/coaching on the implementation of the Code to train Microfinance providers on the implementation of the European Code of Good Conduct for Microcredit Provision (the Code) Analytical support provides general guidance on how to apply for financing Peer-to-peer training and study visits to learn from experiences and practices of other microfinance/social enterprise finance providers Portfolio analysis and pipeline building to support providers in building portfolios and evaluating associated risks. Rating, assessments, and code evaluation services: through a specialised service provider, Microfinanza Rating Srl: Institutional Assessments consist of a detailed analysis of an institution’s internal policies and procedures. Ratings are tailored for mature institutions that wish to obtain new financing, receive a comprehensive assessment of their risk profile and social impact, and enhance their international visibility. Evaluation of the implementation of the “European Code of Good Conduct for Microcredit Provision.” Impact assessments focus on measuring the impact that MF or SE providers have on the ends-clients. Click here if you want more information about SIFTA or email sifta@eib.org. Click here for the webinars by EMN
- [Past events](https://www.european-microfinance.org/past-events/)
- [Membership](https://www.european-microfinance.org/membership-guest/) - TOGETHER WE MAKE A DIFFERENCE Unlock opportunities, connect, and drive impact together Request more information on membership Conference discount Receive a price reduction to our Annual Conference. EU Policy collaboration Establish a strong relationship with the EU Commission to co-design EU policies. Policy updates Be informed first-hand about policy developments and funding opportunities. Exclusive access

## Boards

- [Emanuele Cabras](https://www.european-microfinance.org/board/emanuele-cabras-4/) - Drawing from his extensive experience, Emanuele has held leadership roles as CEO and Managing Partner in consultancy firms. He is deeply committed to social innovation and local development. He is currently Director at COOPFIN S.p.A.
- [Stefan Buciuc](https://www.european-microfinance.org/board/laure-coussirat-coustere-4/) - Stefan gained a strong experience in banking, risk & sales during his career of 20 years in financial services, within international groups like Erste, Raiffeisen and Unicredit. He is currently heading BCR Social Finance and he has been president of the Romania Microfinance Association for the past two years.
- [Alexandre Nayme](https://www.european-microfinance.org/board/emanuele-cabras-2/) - Alexandre is in charge of the coverage of BNP Paribas Inclusive Finance in Europe and Africa and project lead for green inclusive finance. Alexandre is also responsible for investments on behalf of BNPP into Inclusive Finance funds and manages investment into thematic impact funds. Alexandre is also the treasurer of the JuST Institute, a social
- [Lorraine de Fierlant](https://www.european-microfinance.org/board/emanuele-cabras-3/) - General Director at Microstart (Belgium)
- [Panagiotis Tournavitis](https://www.european-microfinance.org/board/emanuele-cabras/) - Panagiotis is the CEO and Executive member of the Board of Directors of Cooperative Bank of Karditsa. He is also Vice-President of the Board of Directors and a member of the Executive Committee of the European Federation of Ethical and Alternative Banks (FEBEA).
- [Guillem Arís](https://www.european-microfinance.org/board/laure-coussirat-coustere-3/) - Director at Autoocupació, Guillem is an economist and social entrepreneur with expertise in developing and scaling up inclusive entrepreneurship programme, focusing on financial and non-financial support for entrepreneurs to create, sustain, and grow businesses and jobs.
- [Herjola Spahiu](https://www.european-microfinance.org/board/laure-coussirat-coustere-2/) - Herjola Spahiu has close to 20 years of proven experience in strategic planning, retail, operations and projects, organisational development and change management in the banking and financial sector. After in-depth banking experience, she took over the lead of NOA Albania in April 2014 as CEO and Vice Chairman of the Steering Council, focussing on the

## Calls

- [Call for Proposals entitled “Transactions Cost Support for social finance intermediaries” (ESF-2026-AG-TCS)](https://www.european-microfinance.org/call/call-for-proposals-entitled-transactions-cost-support-for-social-finance-intermediaries-esf-2026-ag-tcs/) - The general objective of the call is to further develop the social enterprise finance market by supporting the social finance intermediaries to provide the needed capital to social enterprises and mission-driven enterprises. In this direction, the call builds upon previous similar calls and aims above all to support social finance intermediaries who undertake long-term risk capital investments in
- [Call for Applications: Microfinance Advocacy Committee 2026–2028](https://www.european-microfinance.org/call/call-for-applications-microfinance-advocacy-committee-2026-2028/) - We are happy to announce that the European Microfinance Network (EMN) and the Microfinance Centre (MFC) are launching a new Microfinance Advocacy Committee which will be jointly chaired by both networks. We are looking for candidates of EMN and MFC member organisations working on microfinance in the European Union to join the new Microfinance Advocacy Committee. We are looking for committed practitioners who want to contribute to the advocacy strategies and activities of the sector. The Committee will aim to strengthen
- [Call for European Microfinance Providers — Social Impact Measurement Toolkit Pilot](https://www.european-microfinance.org/call/call-for-european-microfinance-providers-social-impact-measurement-toolkit-pilot/) - The Social Impact Measurement Toolkit for European microfinance has been developed under the leadership of the Council of Europe Development Bank (CEB), through the InvestEU Advisory Hub, and in dialogue with European institutions and sector stakeholders, including the European Commission, EMN (European Microfinance Network) and the MFC (Microfinance Centre), with input from microfinance providers and
- [L’Oréal Fund for Women](https://www.european-microfinance.org/call/loreal-fund-for-women/) - Created in 2020, the L’Oréal Fund for Women is an endowment fund dedicated to supporting grassroots organizations and associations that assist highly vulnerable women and girls and combat gender-based and sexual violence. The Fund supports projects that provide access to education, social and professional integration, and the protection of women’s rights, contributing to the resilience of women and girls in highly precarious situations. Eligible organizations are non-profit grassroots entities with at least two years of official existence (or innovative organizations addressing specific needs), supporting a minimum of 200 beneficiaries per year. Priority is given to organizations authorized to issue tax receipts in the EU. While the 2026 call for applications has not yet opened, EMN members can prepare in advance by reviewing the selection criteria. Having an account is required to apply: New users: must review the selection criteria before creating an account. Existing users: must confirm that they have read the selection criteria. The Fund supports project or structural funding ranging from €50,000 to €250,000, covering up to 30% of the total budget for structural or project support. The Fund is open internationally, with priority for organizations headquartered in the European Union. Applications may request annual or multi-year support (maximum 3 years). This is a unique opportunity for members to present projects that make a tangible difference for women and girls, while gaining visibility in the international social and microfinance community. Mandatory documents include organization accreditation, a detailed project budget (if applicable), last annual report, and last annual budget.
- [Advancing Supply & Deployment of Catalytic Capital](https://www.european-microfinance.org/call/advancing-supply-deployment-of-catalytic-capital/) - The Catalytic Capital Consortium (C3) is pleased to announce its 2026 grant opportunity, supporting practical, action-oriented solutions that address challenges in the supply and deployment of catalytic capital across sectors and geographies. This initiative seeks to strengthen the mechanisms by which catalytic capital reaches investable opportunities, expand the pool of catalytic capital, and bridge both areas to enhance overall ecosystem impact. Focus areas include: Facilitating deployment – Strengthening pathways that connect catalytic capital to investable opportunities. Boosting supply – Engaging new providers or untapped sources of funding. Intersection of supply and deployment – Linking initiatives that expand capital supply with efforts that improve deployment pathways. Grant amount: requests of up to $150,000 will be considered, with grant sizes expected to align with project design. Eligibility: Open to organizations or collaborations committed to advancing catalytic capital. Preference for projects focusing on emerging markets and implemented by teams based in relevant geographies. Application process: Phase 1: Submit a 1–2 page Expression of Interest (EOI) by March 4, 2026, including project focus, proposed solution, high-level activities, anticipated results, summary budget, and relevant experience.
- [Guarantee products – calls for expression of interest](https://www.european-microfinance.org/call/guarantee-products-calls-expression-interest/) - The European Investment Fund (EIF), in its role of a guarantor, provides credit risk protection through portfolio (counter-) guarantees to selected financial intermediaries.
- [Capacity building investments – Call for expression of interest](https://www.european-microfinance.org/call/capacity-building-investments-call-expression-interest/) - The purpose of the InvestEU Capacity Building Investment (CBI) product is to enhance the institutional capacity of financial intermediaries that have not yet reached sustainability, or that are in need of risk capital to sustain their growth and development.
- [The ESI Framework Loan Programme for the Purpose of Granting Loans to Newly Established Companies Continued](https://www.european-microfinance.org/call/the-esi-framework-loan-programme-for-the-purpose-of-granting-loans-to-newly-established-companies-continued/) - The Croatian Bank for Reconstruction and Development continues to implement the three-year pilot project for financing entrepreneurs in their earliest stages of development that was launched last year. Under the aforementioned project, the Programme for Granting Framework Loans to Entrepreneurial Support Institutions for the Purpose of Granting Loans to Newly Established Companies and a new

## Members

- [Laure Coussirat-Coustère](https://www.european-microfinance.org/member/laure-coussirat-coustere/)
- [Adrian Șuteu](https://www.european-microfinance.org/member/adrian-suteu/)
- [Alex Rankin](https://www.european-microfinance.org/member/laure-coussirat-coustere-3/)

## Organisations

- [Sunrise Microcredit Foundation](https://www.european-microfinance.org/organisation/sunrise/) - Sunrise Microcredit Foundation is a non-profit microfinance institution established in 1996 in Sarajevo, Bosnia and Herzegovina. The Foundation’s mission is to improve the quality of life of low-income individuals and families by providing access to financial services tailored to their needs. Sunrise Microcredit Foundation contributes to local economic development and the social and economic empowerment
- [CAR Casa Banilor](https://www.european-microfinance.org/organisation/car-casa-banilor/) - Established in 2010, CAR Casa Banilor IFN is a non-profit organization that aims to support its members and grants loans to financially excluded people and micro entrepreneurs seeking financing for the development of their businesses.
- [Fortell Impact](https://www.european-microfinance.org/organisation/fortell-impact/) - Fortell Impact helps organisations reach the people they serve — to collect impact evidence and deliver behaviour change programmes at scale, in any language, anywhere. Working across 40+ countries, Fortell deploys AI-powered voice agents and avatar-based interviewers that work without internet, without literacy requirements, and in 200+ languages. Clients and partners include UNICEF, IDB Lab,
- [CAR Flexicredit](https://www.european-microfinance.org/organisation/car-flexicredit/) - CAR Flexicredit is a NGO that is offering financial savings products, loans and social aids to its members, increasing access to financing for the population, supporting micro entrepreneurs and increasing the financial security of disadvantaged groups in the eastern part of Romania.
- [Institut de Microcrédit](https://www.european-microfinance.org/organisation/institut-de-microcredit/) - MFI Créa-Sol changes and becomes “Institut de Microcrédit”. Créa-Sol continues to exist as a brand operated by “Institut de Microcrédit”.The MFI Créa-Sol is an association created by the Caisse d'Epargne Provence-Alpes-Corse (CE PAC). It supports and assists those excluded from the banking system in order to fight against social and economic exclusion.
- [Asociación Proyecto Confianza](https://www.european-microfinance.org/organisation/asociacion-proyecto-confianza/) - “Asociación Proyecto Confianza” (APC) is a not-for-profit organization based in Barcelona, Spain. The association exclusively works with vulnerable individuals who are socially and financially excluded, particularly those without access to traditional banking systems. Its beneficiaries often struggle with low self-esteem, limited professional skills, and a lack of motivation. To date, the Association has reached approximately
- [Crimson Finance Fund Albania (CFFA)](https://www.european-microfinance.org/organisation/crimson-finance-fund-albania-cffa-2/) - Crimson Finance Fund Albania (CFFA) is a non-bank financial institution established in 2015, with a strong and reputable shareholder structure that includes the Albanian American Development Foundation, the Municipality of Tirana, Crimson Capital Corp., and HELENOS, the first private equity fund for inclusive finance in Europe. Driven by a long-term strategy to improve access to finance, CFFA
- [Mikrokreditna organizacija EKI](https://www.european-microfinance.org/organisation/mikrokreditna-organizacija-eki/) - EKI is a microfinance organization that provides financial support to micro and small businesses, farmers, and individuals who often do not have access to traditional banking services. Its mission is to promote the economic development of communities through responsible financing and advisory support for its clients. EKI operates through two legal entities, EKI Microcredit Foundation
- [JSC "CB "Globus" (Globus Bank)](https://www.european-microfinance.org/organisation/globus-bank/) - Globus Bank is a private commercial bank in Ukraine that focuses on supporting national recovery by providing sustainable and accessible financial solutions. Its mission is to promote economic stability and address the needs of micro, small, and medium-sized enterprises through tailored lending programs and sustainable finance instruments. The bank aims to accelerate Ukraine’s transition to
- [Symplexis](https://www.european-microfinance.org/organisation/symplexis/) - Symplexis is a non-profit organisation dedicated to ensuring equal opportunities for all. Its mission is to 𝗳𝗼𝘀𝘁𝗲𝗿 𝘀𝗼𝗰𝗶𝗮𝗹 𝗰𝗼𝗵𝗲𝘀𝗶𝗼𝗻 𝗮𝗻𝗱 𝗮𝗱𝗱𝗿𝗲𝘀𝘀 𝘁𝗵𝗲 𝗺𝗼𝗱𝗲𝗿𝗻 𝗻𝗲𝗲𝗱𝘀 𝗼𝗳 𝗽𝗼𝗽𝘂𝗹𝗮𝘁𝗶𝗼𝗻𝘀 𝗮𝘁 𝗿𝗶𝘀𝗸 𝗼𝗳 𝘀𝗼𝗰𝗶𝗮𝗹 𝗲𝘅𝗰𝗹𝘂𝘀𝗶𝗼𝗻. Symplexis focuses on integrating actions and socially innovative activities that promote the inclusion of disadvantaged groups, while also 𝗮𝗱𝘃𝗼𝗰𝗮𝘁𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮𝗻𝗱 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁𝘀
- [UNCAR](https://www.european-microfinance.org/organisation/uncar/) - UNCAR is a nationwide, three-level non-profit organisation, encompassing 40 affiliated non-profit territorial unions (UTCARs) and 2,400 reciprocal aid associations (CARs).
- [Lande](https://www.european-microfinance.org/organisation/lande/) - LANDE is a crowdlending platform dedicated to strengthening the European agricultural sector by providing flexible financing to farms in Latvia, Lithuania, and Romania, with services soon expanding to Poland. Through its peer-to-peer investment platform, lande.finance, the company connects farmers with growth capital via secured loans backed by robust collateral, ensuring financing is accessible for farmers
- [Filbo](https://www.european-microfinance.org/organisation/filbo/) - Since 2020, Filbo has been a registered trademark of OMRO, a non-banking financial institution with a nearly 30-year history. Filbo has been created with the aim of offering the simplest financing solution, 100% digital, with the fastest approval time on the market, and with the mission to help small entrepreneurs and their businesses grow faster
- [Cassa del Microcredito](https://www.european-microfinance.org/organisation/cassa-del-microcredito/) - We aim to provide support to small businesses, especially in the start-up phase, supporting their growth and development. Along this way we create well-being and employment, promoting the inclusion of new people in the job market. We promote innovation and digitalization of businesses, carrying out sustainable and inclusive projects and also contribute to the education
- [BT Mic](https://www.european-microfinance.org/organisation/bt-mic/) - BT Microfinantare IFN S.A. is dedicated in servicing microentrepreneurs, the smallest players in the market, with focus on the ones with turnover less than ~100.000 EUR, both in their start-up and development phases. Its main strategic goal is financial inclusion and financial ecosystem.
- [BNP Paribas Microfinance Group](https://www.european-microfinance.org/organisation/bnp-paribas-microfinance-group/) - BNP Paribas’ involvement in microfinance is based on the conviction that banking can have a significant and positive social impact. This involvement encompasses three key areas: support for microfinance institutions (MFIs) in Europe and developing countries; microfinance investment products; and voluntary provision of skills.
- [Banca Etica](https://www.european-microfinance.org/organisation/banca-etica/) - Banca Etica is Italy's first ethical bank, with the mission of encouraging socio-economic initiatives in the field of sustainable human and social development. The organisation opened its first branch in Padua in 1999.
- [3Bank](https://www.european-microfinance.org/organisation/3bank/) - 3Bank is a Serbian financial institution committed to supporting individuals and businesses that generate positive economic, social, and environmental impact. Originally founded in 2002 as Opportunity Savings Bank, it became a fully licensed bank in 2007 and rebranded as 3Bank in 2021 to reflect its triple focus on people, planet, and prosperity. The bank offers
- [finance&invest. brussels](https://www.european-microfinance.org/organisation/financeinvest-brussels/) - BRUSOC, a subsidiary of the Brussels Regional Investment Agency (SRIB-GIMB), supports self-employed people, small enterprises and social economy projects. The micro-loans' offer ranges from 1.250 to 25.000 Euro to entrepreneurs wishing to set up or develop their own business.
- [Faster Oikos & Danish Forum of Microfinance](https://www.european-microfinance.org/organisation/faster-oikos-danish-forum-of-microfinance/) - Danish Forum of Microfinance Danish Forum of Microfinance is a Danish learning network rooted in democratic ownership and community values. As a learning network, we measure success in creating new links and learning towards the positive change we help create—locally and globally. DFM was founded to foster learning about savings groups and cooperatives in the
- [Microfinance Centre (MFC)](https://www.european-microfinance.org/organisation/microfinance-centre-mfc/) - The Microfinance Centre is a regional microfinance resource centre and network. They contribute to poverty reduction and the development of human potential by promoting a socially-oriented and sustainable microfinance sector.
- [Myry](https://www.european-microfinance.org/organisation/myry/) - Micro and Solo Entrepreneurs Association (MYRY) is a non-profit and politically independent association that serves as a representative organisation for micro and solo entrepreneurs. The association was founded in 2022.
- [Fondazione Yunus Italia](https://www.european-microfinance.org/organisation/fondazione-yunus-italia/) - Fondazione Grameen Italia is the first and only centre in Italy dedicated to studying and replicating microcredit programs based on the Grameen Bank methodology.
- [Finklusiv](https://www.european-microfinance.org/organisation/finklusiv/) - Finklusiv is a Danish social enterprise dedicated to breaking down financial barriers for underserved entrepreneurs. We help small business owners gain access to banking by bridging the gap between them and financial institutions. Through guidance, documentation support, and financial literacy training, we empower entrepreneurs to build sustainable businesses. Since our founding, we have successfully helped
- [Asociatia CAR Regiunea Vest](https://www.european-microfinance.org/organisation/sm-aurora-i-f-n-s-a-copy/) - Asociation CAR West Region plays an important role at the regional level, in the western part of Romania. Provides organizational, managerial, financial, and technical support to all affiliated entities. Currently these include 26 Credit Unions, totalizing a number of over 170.000 members (clients). Within the last 30 years of ongoing activity, Asociation CAR West Region
- [European Savings Banks Group (WSBI-ESBG)](https://www.european-microfinance.org/organisation/european-savings-banks-group-wsbi-esbg/) - ESBG (European Savings Banks Group) is an international banking association that represents one of the largest European retail banking networks, comprising of approximately one-third of the retail banking market in Europe.
- [Cresaçor](https://www.european-microfinance.org/organisation/cresacor/) - Cresaçor provides economic-financial consulting services with the purpose of sustainability and autonomy, particularly for micro-enterprises. Its mission is to promote solidarity, economy and local/community development in the Azores Region, supporting the values of cooperation, identity and sustainability, with special focus on people, culture and environment. Its general objectives include increasing the access to education, training
- [The Microfinance Association](https://www.european-microfinance.org/organisation/the-microfinance-association/) - The Microfinance Association (MA) is a non-profit professional membership organisation dedicated to the development and promotion of the Microfinance sector. MA has as mission to develop a new generation of dynamic microfinance practitioners, by actively providing them with the technical knowledge and skills needed in a fast changing and dynamic global economy.
- [COOPFIN](https://www.european-microfinance.org/organisation/coopfin/) - COOPFIN was set-up in the 90s following a public-private agreement between the cooperatives business organisations (partners of the company) and Sardinia Region, in Italy. In August 2016 COOPIN has been recognized by Bank of Italy as Microcredit Operator and in February, and in 2017 COOPFIN started receiving the first requests of microcredit loans.
- [AMFI](https://www.european-microfinance.org/organisation/amfi/) - AMFI works to alleviate poverty and unemployment through stimulation and sustaining an enhanced private sector development in BiH by facilitating capacity building of its members thus enhancing the ability of the MFIs to cope with the challenges of the sector and to continue to initiate and sustain the economic development of their clients.
- [Lithuanian Central Credit Union (LCCU)](https://www.european-microfinance.org/organisation/lithuanian-central-credit-union-lccu/) - LKU Credit Union Group is Lithuania's largest credit union network, operating on a cooperative basis with over 25 years of experience. The group unites 44 credit unions and offers more than 100 customer service points across the country, ensuring accessible and high-quality financial services for individuals and businesses in all regions. As a trusted partner,
- [Natech Banking Solutions](https://www.european-microfinance.org/organisation/natech-banking-solutions/) - Natech Banking Solutions democratizes access to banking technology and liberates resources, allowing financial institutions to prioritize what's most important— outstanding service and customer fulfilment. Our comprehensive product suite, encompassing everything from a core banking system to digital engagement channels layer, enables banks to craft and deliver personalized financial products. Catering to a diverse clientele that
- [Instant Factoring](https://www.european-microfinance.org/organisation/instant-factoring/) - Instant Factoring is a modern and flexible financing solution that offers access to working capital and liquidities, fast, simple and with no hidden fees. Our Mission We support entrepreneurs and their goals to reach new heights at maximum potential and develop their businesses through simple, innovative and 100% digital financial solutions. Our Vision We believe
- [MicroLab](https://www.european-microfinance.org/organisation/microlab/) - MicroLab promotes the development of self-employment through projects and activities concerning financial literacy and trainings of young entrepreneurs, supports the creation and development of micro-enterprises and encourages the enhancement of micro-credit as an instrument of social and financial inclusion.
- [Academy of Entrepreneurship](https://www.european-microfinance.org/organisation/academy-of-entrepreneurship/) - The Academy of Entrepreneurship (AKEP), established in 2007, is a non-profit organization dedicated to fostering entrepreneurial skills and a sustainable mindset. Guided by the European framework, EntreComp, AKEP provides tailored training programs for job seekers, professionals, and aspiring entrepreneurs, promoting employability and personal growth. As a partner in the Erasmus for Young Entrepreneurs program, AKEP
- [Habitat](https://www.european-microfinance.org/organisation/habitat/) - Since 1997, Habitat Association has engaged thousands of volunteers across Türkiye, supporting disadvantaged groups regardless of religion, language, race, gender, sexual orientation, or political opinion. We implement programs in digital transformation, entrepreneurship, inclusive growth, and sustainability, using capacity-building and social-impact approaches to strengthen communities and promote equal opportunities. In particular, Habitat places strong emphasis on
- [Fondazione Mons. Vito De Grisantis](https://www.european-microfinance.org/organisation/fondazione-mons-vito-de-grisantis/) - Who We Are Established in 2011 by the Diocese of Ugento – Santa Maria di Leuca, the Mons. Vito De Grisantis Foundation supports unemployed youth, individuals who have lost their jobs, and aspiring entrepreneurs offering non-financial services and guarantees – backed by its own fund – through concrete tools for support, guidance, and mentoring. Our
- [Microcredito di Impresa](https://www.european-microfinance.org/organisation/microcredito-di-impresa/) - MDI's mission is to: Support micro-enterprises, especially during their start-up phase and early years of operation, in compliance with the regulations established by the legislator regarding microcredit. This serves as an effective tool for promoting employment in the country. Foster the creation of an ecosystem that encourages the establishment and growth of new businesses. This
- [ASF SHA](https://www.european-microfinance.org/organisation/asf-sha/) - ASF JSC is a leading non-bank financial institution in Albania, boasting over 25 years of experience in microfinance. Since its establishment, ASF has provided more than 39,000 loans, benefiting farmers, small businesses, and families nationwide, directly contributing to enterprise growth, agricultural development, job creation, and financial inclusion for underserved communities. With an active loan portfolio
- [elgre-mfi](https://www.european-microfinance.org/organisation/elgre-mfi/) - Elgre-mfi is a licensed microfinance institution based in Athens, committed to promoting financial inclusion and sustainable economic growth in Greece. Its core mission is to support self-employed individuals, small business owners, farmers, and especially women entrepreneurs who face barriers to accessing traditional financial services. Through microloans, business advisory, and financial education, Elgre-mfi empowers underserved communities
- [EFUND Finance Cooperation Foundation](https://www.european-microfinance.org/organisation/efundfinancecooperation-foundation/) - EFUND is a Non-profit Financial Cooperation Foundation established in 2002 and has supported Financial and Microfinance organizations in Armenia and Georgia (from 2025), which serves over 650,000 clients primarily engaged in Individual Entrepreneurs, agricultural, and small and medium enterprises (SMEs). This is an ongoing process, with plans to expand support and investment activities to more/additional
- [Hungarian Sustainability Centre Foundation](https://www.european-microfinance.org/organisation/fejer-enterprise-agency/) - The Hungarian Sustainability Centre Foundation (HSCF), launched by the civil founders of the renowned Székesfehérvár Regional Foundation for Enterprise Development (RVA), is at the forefront of building a green economy. Our aim is to promote the realisation of a climate-neutral "Green Continent", in line with the principles of the European Green Deal. Fresh Perspectives, Best
- [RITMI](https://www.european-microfinance.org/organisation/ritmi/) - The Italian Microfinance Network (RITMI) is a non-profit organization founded in February 2008 that connects various institutions (up to now 24 members) that promote financial and social inclusion in Italy through financial services, supporting the creation of new entrepreneurship and employment, as well as the implementation of activities of Financial Education and commitment to local
- [Albanian Microfinance Association](https://www.european-microfinance.org/organisation/albanian-microfinance-association/) - Albanian Microfinance Association (AMA) is a national microfinance network that gathers non-bank financial institutions and savings and loans associations in Albania, with a total asset of more than half a billion EURO and more than 250 thousand customers. AMA represents its members on a national or international scale, at legislative consultations and business events. It
- [AMIK - Association of Microfinance Institutions of Kosovo](https://www.european-microfinance.org/organisation/amik-association-of-microfinance-institutions-of-kosovo/) - AMIK supports the development of strong and effective Kosovo-based microenterprise programs to assist underserved entrepreneurs in starting, stabilising, and expanding businesses.
- [Microlux](https://www.european-microfinance.org/organisation/microlux/) - Microlux has been established in 2016 and it is the first Microfinance Institution for Luxembourg. It aims at promoting the right of economic initiative and financial inclusion through supporting microenterprises starters, microenterprises that are already operational and social entrepreneurs who are not eligible for traditional banking credits.
- [Youth in Business Spain](https://www.european-microfinance.org/organisation/youth-in-business-spain/) - Youth Business Spain (YBS) is the member in Spain of the Youth Business International global network. YBS is a private and independent foundation that was born as a result of the alliance between social entities as a result of the high rates of youth unemployment caused by the 2008 crisis. Youth Business Spain currently brings
- [USTOI JSC](https://www.european-microfinance.org/organisation/ustoi-jsc/) - Ustoi’s mission is to provide financial services to small business enterprises in Bulgaria so that they can implement their projects in a cost-effective way, resulting in an increase in their income. The financial products are available to a large number of small entrepreneurs, with special focus on those engaged in agriculture.
- [Treball Solidari](https://www.european-microfinance.org/organisation/treball-solidari/) - Treball Solidari's objective is to help women found work. Since 2000, Treball Solidari has been working in South and Central America developping more than 100 projects in those countries.
- [TMEDE Microfinance Solutions](https://www.european-microfinance.org/organisation/tmede-microfinance-solutions/) - TMEDE Microfinance Solutions responds to the pressing need for liquidity by offering an innovative digital tool that decisively covers its members’ needs for seamless access to liquidity solutions, especially for those who are now starting their careers. Our vision is to enhance and support our customers by offering financial solutions straightforwardly and simply, which in
- [SM Aurora I.F.N. S.A.](https://www.european-microfinance.org/organisation/sm-aurora-i-f-n-s-a/) - Founded in 2005, the microfinance company Aurora I.F.N.S.A follows the tradition of good practices and employee unions. The mission undertaken by S.M. AURORA I.F.N. S.A. is to contribute to the revival of Romanian credit and to increase confidence in local capital. The organization has distinguished itself in the local credit market through accessible financial services
- [SIS Credit](https://www.european-microfinance.org/organisation/sis-credit/) - Part of the Sofia-based Financial Group SIS, SIS Credit, created in 2006, is a Non-Bank Financial Institution, regulated by the National Bulgarian Bank, whose goal is to encourage the entrepreneurship and to support the set up of working places in Bulgaria.
- [ROMCOM](https://www.european-microfinance.org/organisation/romcom/) - ROMCOM is a Swiss-Romanian group of companies with 20 years of experience in providing development solutions for small and medium-sized enterprises in Romania through financing, consulting and business training services.
- [REDI - Roma Entrepreneurship Development Initiative](https://www.european-microfinance.org/organisation/redi-roma-entrepreneurship-development-initiative/) - Roma Economic Development Initiative is an ecosystem builder focusing on developing tools to increase vulnerable communities’ economic empowerment. Led by a team of young Roma Professionals from different European countries, REDI aims to provide access to affordable finance for Roma entrepreneurs in Central, Eastern Europe, and the Balkans and provide technical assistance for the selected
- [Qredits](https://www.european-microfinance.org/organisation/qredits/) - Qredits is the only microcredit institution in the Netherlands operating at a national level. As a non-profit organization, Qredits' mission is to improve and support the social and financial inclusion of micro-entrepreneurs in the Netherlands that have a viable business plan, yet are unable to obtain financing or coaching through regular channels.
- [PerMicro](https://www.european-microfinance.org/organisation/permicro/) - PerMicro is a Turin-based Non-Banking Financial Intermediary specialized in microfinance products. PerMicro provides small loans to entrepreneurs or households, nationwide. It is designed for people who do not have an easy access to regular banks.
- [Patria Credit](https://www.european-microfinance.org/organisation/patria-credit/) - Patria Credit is the largest non-banking microfinance institution in Romania, with over 14 years of experience in granting loans on the local market, especially towards micro and small entrepreneurs and small farmers.
- [Patria Bank](https://www.european-microfinance.org/organisation/patria-bank/) - Patria Bank is a well-known Romanian bank that provides products and services to all Romanians through its four specialized divisions: Individuals, Small Businesses (micro-enterprises), SMEs, and Agro Businesses.
- [Partner Microcredit Foundation](https://www.european-microfinance.org/organisation/partner-microcredit-foundation/) - Partner provides financial services to the economically active with difficult (or none) access to commercial sources of funding. Thereby, it supports start-ups, business' development, and improvement in quality of life.
- [Noviti Finance](https://www.european-microfinance.org/organisation/noviti-finance/) - Noviti Finance has been supporting businesses since 2016, earning the trust of over 3,500 companies and providing more than €71 million in loans. Known for its transparency, the company openly discloses all costs, avoiding hidden fees and ensuring fair terms. With a streamlined process, Noviti Finance minimizes bureaucracy, requiring only a few documents. Businesses receive
- [NOA](https://www.european-microfinance.org/organisation/noa/) - Background & mission Certified with the European Commission's Code of Good Conduct for Microcredit Provision, NOA is the direct result of a donor-supported non-profit microfinance project aiding the most vulnerable areas and populations of Albania, particularly rural ones, with the objective to boost the transition towards a free and competitive market economy following the end
- [Montpellier Business School (MBS)](https://www.european-microfinance.org/organisation/montpellier-business-school-mbs/) - The Social & Sustainable Finance Chair of the Montpellier Business School was created in October 2020 as an extension of the Microfinance in Developed Countries Chair, established two years before with Créa-Sol and the Caisse d’Epargne Languedoc Roussillon. The chairholders, Dr. Anastasia Cozarenco and Dr. Thi Hong Van Hoang, have the objective to promote social
- [Monte Credit](https://www.european-microfinance.org/organisation/monte-credit/) - MFI Monte Credit doo Podgorica is a leading microfinance institution in Montenegro established as a subsidiary of VisionFund. Its mission consists in empowering families to create incomes and jobs unlocking economic potential for communities to thrive.
- [Mikrofonden Sverige](https://www.european-microfinance.org/organisation/mikrofonden-sverige/) - Background and mission Mikrofonden was founded in 2010 by the cooperative bank Ekobanken, the cooperative start-up consultancy organisation Coompanion and the Swedish Village action group network Rural Sweden. Their first investing member was a trade union. Mikrofonden is a financial institution and a consortium consisting of one national fund and eight regional microfunds. Mikrofonden' vision
- [Mikrofin](https://www.european-microfinance.org/organisation/mikrofin/) - Mikrofin disburses loans of micro and small business/entrepreneurs in agriculture, various services, and for housing needs and consumption, but also for some very specific needs of the clients (liquidity, vehicle insurance and such).
- [Mikro Kapital Romania](https://www.european-microfinance.org/organisation/mikro-kapital-romania/) - Mikro Kapital IFN SA Romania has microfinance as main activity. It's mission - professional input in economic development of very small, small and medium sizes enterprises, by offering quality financial services.
- [Mikro Kapital Italy](https://www.european-microfinance.org/organisation/mikro-kapital-italy/) - Mikro Kapital is a micro credit company contributing to positive outcomes such as social inclusion, gender balance and sustainable employment opportunities. It creates ethical finance opportunities for the excluded from the traditional financial system.
- [microStart](https://www.european-microfinance.org/organisation/microstart/) - microStart scrl is part of a group created in 2010 of which the job is – through microcredit – to finance and support those excluded from the banking system (jobseekers, recipients of help from Public Social Welfare Centres, the self-employed, etc.), to create or to develop a small independent business.
- [Microfinanza srl](https://www.european-microfinance.org/organisation/microfinanza-srl/) - Microfinanza Srl is a private and fully independent consulting firm specialized in the microfinance sector. The mission of the company is to provide expertise and innovative solutions for the development of microfinance.
- [Microfinance Ireland](https://www.european-microfinance.org/organisation/microfinance-ireland/) - Microfinance Ireland (MFI), as a not-for-profit lender, has been established to deliver the Government’s Microenterprise Loan Fund. The objective of MFI is to provide additional lending to start-up, newly established or growing microenterprises that have commercially viable proposals but do not meet conventional risk criteria applied by commercial banks.
- [MicroCredit Foundation LIDER](https://www.european-microfinance.org/organisation/microcredit-foundation-lider/) - The main activity of MCF Lider is the implementation of microcredit programs for legal entitities and individuals that contribute to the development of micro entrepreneurship. Lider operates in 38 municipalities of BH providing financial services to microentrepreneurs and low income households.
- [MicroBank](https://www.european-microfinance.org/organisation/microbank/) - MicroBank was set up in 2007 as the social bank within La Caixa group. It has taken over the microcredit activity of the group.
- [MI-BOSPO](https://www.european-microfinance.org/organisation/mi-bospo/) - MI-BOSPO provides access to credit and non-financial services to individuals, but especially low-income female entrepreneurs in order to strengthen entrepreneurship, and their economic and social status.
- [Jinishian Memorial Foundation](https://www.european-microfinance.org/organisation/jinishian-memorial-foundation/) - JMF enables Armenians in need to move from poverty and despair to self-sufficiency and hope – through relief, development and spiritual uplift.
- [Inpulse](https://www.european-microfinance.org/organisation/inpulse/) - Inpulse is an asset manager specialised in microfinance and social economy related investments.
- [Hefboom](https://www.european-microfinance.org/organisation/hefboom/) - Hefboom is an independent financial cooperative founded in 1985, promoting the creation and development of socially responsible enterprises in Flanders and Brussels by providing loans (and equity) and financial and non-financial advice.
- [Gaztenpresa Fundazioa](https://www.european-microfinance.org/organisation/gaztenpresa-fundazioa/) - Gaztenpresa is a Foundation belonging to the Social Work of LABORAL Kutxa, a cooperative bank in the Basque Country. Its mission is to support the development of self-employment, mainly amongst young people, from a technical and financial perspective.
- [Funds For Good](https://www.european-microfinance.org/organisation/funds-for-good/) - FUNDS FOR GOOD is a new kind of company based on a model of reasoned capitalism: FUNDS FOR GOOD IMPACT, active in the financing and support of social entrepreneurs or those in precarious situations, is financed by FUNDS FOR GOOD INVEST, creator of sustainable investment funds, which returns the profits it generates through this activity.
- [Fundacion Nantik Lum](https://www.european-microfinance.org/organisation/fundacion-nantik-lum/) - Established in 2003, Nantik Lum is a pioneering and innovative not-for-profit organisation that works on projects to do with development and research in the microfinance sector. Microcredit is used as a tool to facilitate development
- [Fondi BESA](https://www.european-microfinance.org/organisation/fondi-besa/) - The mission of 'Besa Fund' is to contribute to the Albanian economic growth and poverty reduction in the urban and semi urban areas by promoting micro and small enterprises.
- [FinCredit](https://www.european-microfinance.org/organisation/fincredit/) - FinCredit is your partner for personalized financial solutions. Choose from a range of credit products tailored to your needs. Our seamless process ensures your liquidity remains secure, with benefits like refinancing, insurance options, and flexible grace periods.
- [FidiPersona](https://www.european-microfinance.org/organisation/fidipersona/) - FidiPersona's mission is to support people to start up a business, especially for people excluded from the banking sector because of the high credit risk. Beyond lending money, Fidipersona provides services such as mentoring and coaching; particularly a business development service before the lending of the microcredit.
- [Favafond](https://www.european-microfinance.org/organisation/favafond/) - Favafond wants to create growth and integration by offering micro-loans on business viable terms to immigrants ready to start-up or expand a business in Sweden.
- [FAER](https://www.european-microfinance.org/organisation/faer/) - The Rural Finance Company FAER NFI S.A. was established in 2005 by the takeover of the Foundation for Promotion of Agriculture and Regional Economy - FAER loan department, with the support of the Swiss Confederation.
- [Erste Group Bank AG](https://www.european-microfinance.org/organisation/erste-group-bank-ag/) - Founded in 1819 as the first Austrian savings bank, Erste Group went public in 1997 with a strategy to expand its retail business into Central and Eastern Europe. Since then Erste Group has grown to become one of the largest financial services providers in the Eastern part of the EU in terms of clients and
- [Credinfo](https://www.european-microfinance.org/organisation/credinfo/) - Credinfo offers provision, maintenance and monitoring of the recording systems of the various microcredit projects, as well as data recording, data processing and handling data transfer.
- [Cooperative Bank of Karditsa](https://www.european-microfinance.org/organisation/cooperative-bank-of-karditsa/) - Established in 1994, the Cooperative Bank of Karditsa (CBK) is fundamentally committed to fostering socio-economic development within the Thessaly region of Greece. This commitment is an integral part of the bank's identity. Over the years, CBK has developed a profound understanding of the unique challenges and opportunities encountered by individuals, the self-employed, farmers, and small
- [Confeserfidi](https://www.european-microfinance.org/organisation/confeserfidi/) - Confeserfidi is a mutual guarantee company. Its mission is to support SMEs, including startups, providing them guarantees on disbursed loans, at subsidised interest rates, by banks. Confeserfidi has agreements with the main Italian banks and, through agents, it covers the whole Italian state.
- [CEEI Burgos](https://www.european-microfinance.org/organisation/ceei-burgos/) - CEEI BURGOS (Centro Europeo de Empresas e Innovación) supports local development under the model, quality criteria and sponsorship of the European Commission, and promoted by regional and local organisations with a strong commitment to boost the social and economic development.
- [Bizkaia Mikro](https://www.european-microfinance.org/organisation/bizkaia-mikro/) - The main objective of Bizkaia Mikro is the creation and development of a business microfinance programme which is implemented through microloans.
- [BCR Social Finance](https://www.european-microfinance.org/organisation/bcr-social-finance/) - BCR Social Finance financial products and services are available throughout Romania, supporting the creation and development of a large number of small businesses and micro-entrepreneurs in economically depressed areas.
- [Autoocupació](https://www.european-microfinance.org/organisation/autoocupacio/) - The Fundació Privada per a la Promoció de l’Autoocupació de Catalunya is a private and independent not-for-profit organization. It was created in 1986, to promote self-employment in Catalonia.
- [Asociación Española de Microfinanzas](https://www.european-microfinance.org/organisation/asociacion-espanola-de-microfinanzas/) - The Spanish Microfinance Association is composed by all the relevant actors in the national microfinance sector including NGOs, Foundations, Saving Banks, Universities, Consultants, Migrant Associations, Women Associations, Disable Associations, Ethnic minorities associations and more.
- [ADIE - Association pour le droit à l'initiative économique](https://www.european-microfinance.org/organisation/adie-association-pour-le-droit-a-linitiative-economique/) - ADIE (Association pour le Droit à l'Initiative Economique) is a non-profit organisation helping people excluded from the workplace and the regular banking system to start a business and get self-employed, thanks to microcredit.
- [Action Finance Initiative](https://www.european-microfinance.org/organisation/action-finance-initiative/) - AFI’s mission is to make a real impact in the fight against financial and social exclusion in Greece by helping unemployed people create their own jobs and by helping existing businesses grow through access to funding of up to 10,000 euros in the form of microloans and free-of-charge pre and post disbursement business development services.
- [#SheDIDIT](https://www.european-microfinance.org/organisation/shedidit/) - #SheDIDIT is the Belgian platform dedicated to female entrepreneurs with migration backgrounds. The organization helped out over 1200+ women to start or develop their business, through individual business coaching, an inclusive concept store and group programs for young girls. Their gender approach combined with cultural sensitivity, has been recognized by international awards like ENII. They
- [Romanian Microfinance Association](https://www.european-microfinance.org/organisation/romanian-microfinance-association/) - Background and mission The Romanian Microfinance Association (RMFA) was registered in December 2020, at the initiative of 14 Romanian microfinance institutions with the support from the MFC project "EU-level NGOs networks active in the promotion of social inclusion and poverty reduction or microfinance and social enterprise finance". The purpose of RMFA is to carry out
- [MicroEurope](https://www.european-microfinance.org/organisation/microeurope/) - MicroEurope, an innovative social investment company, promoted by eight professionals and three leading European investment companies, all with common roots and broad experiences in the microfinance sector. MicroEurope's story begins with the willingness to be not only investors but also reliable partners.

## Partners

- [Women Entrepreneurship Platform](https://www.european-microfinance.org/partner/women-entrepreneurship-platform/) - Women’s creative talents are not being used to their fullest extent, even in Europe, and for economic and social reasons, we need to have more women entrepreneurs contributing their innovative ideas to solving problems our societies face, now and in the future. Furthermore, millions of women of all ages in Europe are unemployed or underemployed,
- [Impact Europe](https://www.european-microfinance.org/partner/impact-europe/) - Impact Europe unites 350 capital providers (foundations, impact funds, banks and financial institutions, corporate impact actors, public funders) and social innovators of all sorts – from household names to emerging new players. Risk takers, big thinkers, long-run players, data crunchers, hungry learners, great connectors, groundbreakers and changemakers: these are impact people. Impact Europe has built
- [Febea](https://www.european-microfinance.org/partner/febea/) - Founded in Brussels in 2001, FEBEA is the European Federation of Ethical and Alternative Banks and Financiers. An international non-profit organisation that brings together 32 financial institutions from 17 European countries with the aim of developing ethical and social finance in Europe.
- [EIB Institute](https://www.european-microfinance.org/partner/eib-institute/) - Through its activities, EIB aims to accelerate the green transition, boost technological innovation, bolster security and defence, support regional cohesion and social infrastructure development. EIB commitment to international development and capital markets integration safeguards Europe’s strong global presence. EIB priorities boost growth, prosperity, technological and social progress in individual member states, across the whole EU
- [European Investment Fund](https://www.european-microfinance.org/partner/european-investment-fund/) - EIF isa specialist provider of risk finance to benefit small and medium-sized enterprises (SME) across Europe. EIF is part of the EIB Group. Our shareholders are the European Investment Bank (EIB), the European Union, represented by the European Commission, and a wide range of public and private banks and financial institutions. EIF carries out its

## Projects

- [SIFTA](https://www.european-microfinance.org/project/emn-social-inclusive-finance-technical-assistance-sifta-programme/) - The Social Inclusive Finance Technical Assistance (SIFTA) is the Technical Assistance programme that takes the baton from EasiTA, which ended on July 31, 2022. SIFTA does not aim to provide technical assistance only to microfinance institutions but to a vast audience of social economy actors like social enterprise finance providers, business incubators, or business accelerators interested in expanding services to financial support. Differently from EaSI TA, SIFTA is a project led by the European Investment Bank’s Invest EU Advisory HUB, and it provides a broad range of services for microfinance and Social Enterprises finance providers like: Workshops to exchange practices and tools among microfinance and social enterprise finance providers. Analytical support provides general guidance on how to apply for financing Services tailored to specific needs of beneficiaries (who need to send a request): Targeted capacity building and technical assistance services through a consortium of service providers consisting of Frankfurt School of Finance & Management GmbH, together with the European Microfinance Network and the Microfinance Centre: Tailored training to provide knowledge and skills to the staff working at MF/SE providers targeting areas of improvement. Investment readiness training to prepare providers for taking on investments, loans, grants, or guarantees under InvestEU Training/coaching on the implementation of the Code to train Microfinance providers on the implementation of the European Code of Good Conduct for Microcredit Provision (the Code) Analytical support provides general guidance on how to apply for financing Peer-to-peer training and study visits to learn from experiences and practices of other microfinance/social enterprise finance providers Portfolio analysis and pipeline building to support providers in building portfolios and evaluating associated risks. Rating, assessments, and code evaluation services: through a specialised service provider, Microfinanza Rating Srl: Institutional Assessments consist of a detailed analysis of an institution’s internal policies and procedures. Ratings are tailored for mature institutions that wish to obtain new financing, receive a comprehensive assessment of their risk profile and social impact, and enhance their international visibility. Evaluation of the implementation of the “European Code of Good Conduct for Microcredit Provision.” Impact assessments focus on measuring the impact that MF or SE providers have on the ends-clients. Click here if you want more information about SIFTA or email sifta@eib.org. Click here for the webinars by EMN
- [Resilience & Financial Health](https://www.european-microfinance.org/project/resilience-financial-health/) - The project ‘Enhancing microentrepreneurs’ resilience and financial health in times of crisis and uncertainty’ aims to support the resilience and financial health of entrepreneurs from vulnerable communities, helping them navigate challenges like economic shocks and other difficult situations.
- [Ready4work](https://www.european-microfinance.org/project/ready-4-work/) - Ready 4 Work is a social innovation initiative that aims to establish volunteer mentoring as a new and impactful form of learning. This will empower and upskill young people from vulnerable backgrounds during their transition to employment, whether from education or inactivity.
- [Strive EU](https://www.european-microfinance.org/project/strive-eu/) - The Strive EU program, implemented by Caribou Digital, in partnership with the European Microfinance Network, will seek to boost the resilience and growth of European small businesses by surfacing new innovations that help them get capital, go digital and gain networks and know-how.

## Publications

- [ADIE's Annual Report 2025](https://www.european-microfinance.org/publication/adies-annual-report-2025/) - Adie Annual_Report_2025.pdfADIE's Annual Report 2025 Adie is Franceʼs leading nonprofit network, supporting entrepreneurs who do not have access to traditional bank credit. It relies on a nationwide presence built on its 209 branches and 320 outreach hubs, the expertise of 926 employees, and the dedication of more than 1,300 volunteers and experts. In 2025, Adie
- [PerMicro's Sustainability Report 2025](https://www.european-microfinance.org/publication/permicros-sustainability-report-2025/) - 2025 edition of PerMicro's Sustainability Report (IT). Download Bilancio Sostenibilità 2025_PerMicro.
- [EMN Annual Report 2025](https://www.european-microfinance.org/publication/emn-annual-report-2025/)
- [Survey on Microfinance in Europe. Executive Summary 2025 Edition](https://www.european-microfinance.org/publication/survey-on-microfinance-in-europe-executive-summary-2025-edition/) - 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,
- [Regulatory Report - Sweden](https://www.european-microfinance.org/publication/regularly-report/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Legislative Mapping Report - Greece (September 2022)](https://www.european-microfinance.org/publication/legislative-mapping-report-greece-september-2022/) - In this publication, the European Microfinance Network describes the latest legislative developments in Greece regarding microfinance.
- [Microcredit regulation in Europe: An overview (2024)](https://www.european-microfinance.org/publication/microcredit-regulation-in-europe-an-overview-2024-3/) - Along with the evolution of microcredit over the last 20 years, the legislation on microcredit activities has formalised the presence of non-bank microfinance institutions (non-bank MFIs) in the market. In contrast to banks, non-bank MFIs are the primary microcredit providers in Europe, and they are not obligated to comply with full banking requirements to offer
- [EMN Legislative Mapping Report - Romania (2024)](https://www.european-microfinance.org/publication/emn-legislative-mapping-report-romania-2024-2/) - This series of national fact sheets provides a snapshot of the various legislative frameworks concerning the provision of microcredit in Europe by non-bank financial intermediaries. The reports cover the following thematic areas: Regulation of lending activity Supervisory framework for non-bank lending Products Incentives and support Development of the existing framework for non-bank microcredit provision Inclusive
- [Microcredit regulation in Europe: An overview (2025)](https://www.european-microfinance.org/publication/microcredit-regulation-in-europe-an-overview-2024/) - Along with the evolution of microcredit over the last 20 years, the legislation on microcredit activities has formalised the presence of non-bank microfinance institutions (non-bank MFIs) in the market. In contrast to banks, non-bank MFIs are the primary microcredit providers in Europe, and they are not obligated to comply with full banking requirements to offer
- [Legislative Mapping Report - DENMARK](https://www.european-microfinance.org/publication/regulatory-report-denmark/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Legislative Mapping Report - ITALY](https://www.european-microfinance.org/publication/regularly-report-italy-2022/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [EMN Policy Briefing N.3 - December 2024](https://www.european-microfinance.org/publication/emn-policy-briefing-n-3-december-2024/) - Foreword As we are reaching the end of the year, we would like to thank you all for supporting our network and contributing to our work this year. This year of European (and national) elections and political transition brought us many challenges but also opened up new opportunities and new partnerships. We, at EMN, have
- [EMN Annual Report 2024](https://www.european-microfinance.org/publication/emn-annual-report-2024/) - In 2024, the European Microfinance Network (EMN) expanded its membership across Europe, strengthened its partnerships with relevant stakeholders, and continued to promote financial and social inclusion. By representing the microfinance and social economy in Brussels, EMN reasserted its position as the leading voice of the sector in Europe. This report provides an overview of the
- [Cybersecurity in Europe: Challenges and Solutions for Small Businesses](https://www.european-microfinance.org/publication/cybersecurity-in-europe-challenges-and-solutions-for-small-businesses-2/) - This focus paper explores the growing cybersecurity challenges facing Europe’s Micro and Small Enterprises (MSEs), which play a vital role in economic growth but are increasingly vulnerable due to rapid digitalisation and limited resources. While digital transformation has helped MSEs remain competitive (particularly during crises such as the COVID-19 pandemic) it has also exposed them
- [Microfinance in Europe: Survey Report 2024](https://www.european-microfinance.org/publication/microfinance-in-europe-overview-survey-report-2024/) - This is the 12th edition of the Survey Report on Microfinance in Europe, produced by the European Microfinance Network and the Microfinance Centre. For the sixth consecutive year, this partnership enables the survey to capture the vast majority of the European microfinance sector, providing the most comprehensive dataset available. This edition highlights the social performance
- [Regulatory Report - Montenegro](https://www.european-microfinance.org/publication/regulatory-report-montenegro/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Transition to sustainability: Next steps to support European SMEs’ journey](https://www.european-microfinance.org/publication/transition-to-sustainability-next-steps-to-support-european-smes-journey-2/) - This paper focuses on the role of micro and small enterprises (MSEs) in the EU's environmental transition. It considers the obstacles they face and possible solutions to ensure a sustainable and prosperous transition. MSEs represent a significant proportion of EU businesses, micro enterprises alone accounted for 93.6% of all European enterprises in 2023, employing nearly
- [Microfinance in Europe Survey: 2014/2015](https://www.european-microfinance.org/publication/microfinance-in-europe-survey-2014-2015/)
- [Microfinance in Europe Survey Report 2020](https://www.european-microfinance.org/publication/microfinance-in-europe-survey-report-2020/)
- [Microfinance in Europe: Survey Report (2023 edition)](https://www.european-microfinance.org/publication/microfinance-europe-survey-report-2023-edition/) - The 2023 edition of the Microfinance Survey in Europe offers a snapshot of the microfinance sector from 2022, marking the first annual release of its kind. This is the 11th edition of the Overview Survey for the European Microfinance Network (EMN) and the fifth time it was carried out in collaboration with the Microfinance Centre
- [PerMicro Bilancio di Sostenibilità 2023 - Sustainability Report 2023 (ITA)](https://www.european-microfinance.org/publication/permicro-bilancio-di-sostenibilita-2023-sustainability-report-2023-ita-2/) - EMN member, PerMicro, has published its Sustainability Report for 2023. Click the link to download the full document.
- [Microbank: Annual Report 2024](https://www.european-microfinance.org/publication/microbank-annual-report-2024/)
- [Microlux: Annual Report 2024](https://www.european-microfinance.org/publication/microlux-annual-report-2024/)
- [Microfinance in Europe Survey Report (2016/2017): Peer Group Analysis](https://www.european-microfinance.org/publication/microfinance-in-europe-survey-report-2016-2017-peer-group-analysis/)
- [Microfinance in Europe Survey: 2016/2017](https://www.european-microfinance.org/publication/microfinance-in-europe-survey-2016-2017/)
- [Overview Survey - 2012/2013](https://www.european-microfinance.org/publication/overview-survey-2012-2013/)
- [Overview Survey - 2010/2011](https://www.european-microfinance.org/publication/overview-survey-2010-2011/)
- [Overview survey 2008-2010](https://www.european-microfinance.org/publication/overview-survey-2008-2010/)
- [Regularly Report - Poland](https://www.european-microfinance.org/publication/regularly-report-poland-2021/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regularly Report - Greece](https://www.european-microfinance.org/publication/regularly-report-greece-2022/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Bulgaria](https://www.european-microfinance.org/publication/regulatory-report-bulgaria/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - North Macedonia](https://www.european-microfinance.org/publication/regulatory-report-north-macedonia/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Spain](https://www.european-microfinance.org/publication/regulatory-report-spain/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Germany](https://www.european-microfinance.org/publication/regulatory-report-germany/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - United Kingdom](https://www.european-microfinance.org/publication/regulatory-report-united-kingdom/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - The Netherlands](https://www.european-microfinance.org/publication/regulatory-report-the-netherlands/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Bosnia and Herzegovina](https://www.european-microfinance.org/publication/regulatory-report-bosnia-and-herzegovina/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Finland](https://www.european-microfinance.org/publication/regulatory-report-2/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Ireland](https://www.european-microfinance.org/publication/regulatory-report-ireland/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Luxembourg](https://www.european-microfinance.org/publication/regulatory-report-luxembourg/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regularly Report - Hungary](https://www.european-microfinance.org/publication/regularly-report-hungary/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regularly Report - Austria](https://www.european-microfinance.org/publication/regularly-report-austria-2019/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Croatia](https://www.european-microfinance.org/publication/regulatory-report-croatia-2020/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Serbia](https://www.european-microfinance.org/publication/regulatory-report-serbia-2021/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Albania](https://www.european-microfinance.org/publication/regulatory-report/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regularly Report - Kosovo](https://www.european-microfinance.org/publication/regularly-report-kosovo-2023/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regularly report - France](https://www.european-microfinance.org/publication/regularly-report-france-2022/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Romania](https://www.european-microfinance.org/publication/regulatory-report-romania-2024/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Regulatory Report - Portugal](https://www.european-microfinance.org/publication/regulatory-report-portugal-2024/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Microfinance in Europe: Survey Report (2022 edition)](https://www.european-microfinance.org/publication/microfinance-europe-survey-report-2022-edition/) - The 2022 edition of the Microfinance Survey in Europe offers a snapshot of the microfinance sector from 2020-2021, during and after the most severe phase of the COVID-19 pandemic. This is the 10th edition of the Overview Survey for the European Microfinance Network (EMN) and the fourth time it was carried out in collaboration with
- [Supporting micro and small entrepreneurs and vulnerable households for a fair green transition](https://www.european-microfinance.org/publication/supporting-micro-and-small-entrepreneurs-and-vulnerable-households-for-a-fair-green-transition/) - As the effects of climate change are dramatically unfolding around the world, it is essential to implement and foster a fair green transition for everybody, including micro & small entrepreneurs, and vulnerable households. The European Microfinance Network, in partnership with The Microfinance Centre, has published a paper focused on discussing the next steps to be
- [Regulatory Report - Belgium](https://www.european-microfinance.org/publication/regulatory-report-belgium-2024/) - Regulatory reports serve as fact sheets that offer an overview of the legislative frameworks related to microcredit provision in Europe by non-bank financial intermediaries. These reports address several key thematic areas: Regulation of lending activities Supervisory frameworks for non-bank lending Products, incentives, and support Development of the existing framework for non-bank microcredit provision Inclusive entrepreneurship
- [Manifesto: Supporting micro-entrepreneurs, social enterprises, and vulnerable households in Europe for an inclusive and entrepreneurial Europe](https://www.european-microfinance.org/publication/manifesto-supporting-micro-entrepreneurs-social-enterprises-and-vulnerable-households-in-europe-for-an-inclusive-and-entrepreneurial-europe/) - Read EMN-MFC Manifesto in view of the upcoming European elections!
- [ERSTE Group: Social Banking Report](https://www.european-microfinance.org/publication/erste-group-social-banking-report/)
- [EMN Policy Note - Migrant Entrepreneurship](https://www.european-microfinance.org/publication/emn-policy-note-migrant-entrepreneurship/) - This is a policy note to demonstrate the many ways in which microfinance actors support the objective of financial and economic inclusion for entrepreneurs with migrant backgrounds. It explores a number of activities that microfinance institutions (MFIs) have put in place, and a number of successful public-private partnerships that also address this goal.
- [EMN Policy Note - Microfinance’s role in Mitigating Human Capital Flight](https://www.european-microfinance.org/publication/emn-policy-note-microfinances-role-in-mitigating-human-capital-flight/) - Microfinance institutions are in a key position to help mitigate the effects of human capital flight that manifests between East and West Europe. We want to propose public-private partnership initiatives that would combine the social mission of microfinance with the solidarity mechanisms within Europe, to renew investment in local entrepreneurship and innovation. This Policy Note

## Teams

- [Georgios Papadakis](https://www.european-microfinance.org/team/georgios-papadakis-2/) - As the Managing Director of the European Microfinance Network (EMN), he oversees the strategic direction and operations of the leading microfinance network in Europe. With over 20 years of experience in strategic management, media, communications, and public relations, Georgios has a proven track record of managing and promoting social impact and minority media platforms, advocating
- [Alícia Moreno](https://www.european-microfinance.org/team/alicia-moreno/) - Alícia supports EMN’s communication and events activities, contributing to content creation and management across EMN’s digital channels (social media, website, and newsletter), coordinating the European Microfinance Day campaign, and providing operational support for major events and online webinars.
- [Marie Vial](https://www.european-microfinance.org/team/ioana-szatmari/) - Marie leads the network’s advocacy activities. She serves as the key contact between European policymakers and advocacy stakeholders within the EMN network and supports members in improving regulatory frameworks at the national level. She is a member of the OECD YEPA Working Group, Social Economy Europe, and the EU Financial Services Working Group.
- [Alex Rankin](https://www.european-microfinance.org/team/alex-rankin-2/) - Alex joined the team in January 2023 and is responsible for coordinating, supervising, and monitoring the organization's activities related to finance and administration, human resources, information technology, and legal support. He is closely involved in supporting and outreach for membership and grant financial reporting and monitoring.
- [Marie Clémence Ndour](https://www.european-microfinance.org/team/alex-rankin/) - She supports with the workflow for EMN’s projects and supports extensively with project management, research and reporting.
- [Nicola Benaglio](https://www.european-microfinance.org/team/nicola-benaglio-2/) - Nicola Benaglio is responsible for coordinating tenders and work programmes for research activities, identifying EU policy trends relevant to the sector, developing partnerships with peer networks at the EU level, overseeing the Maria Nowak Research Award and Annual Overview Survey, and he coordinates the EMN Research Committee.
- [Martina Volpi](https://www.european-microfinance.org/team/nicola-benaglio/) - Martina coordinates EMN's communication activities across social media, the website, and YouTube, manages the European Microfinance Day campaign, and organizes key events, including the EMN Annual Conference and the European Microfinance Day event.
- [Adrian Suteu](https://www.european-microfinance.org/team/jorg-schoolmann/) - At EMN, Adrian is responsible for fostering collaboration among microfinance practitioners. With a background in sales, communication, and marketing, he has a strong understanding of various business types and excels in connecting with people. This expertise is invaluable in his role as Membership Manager at the European Microfinance Network, enabling him to effectively meet the
- [Francesca Preve](https://www.european-microfinance.org/team/francesca-preve/) - Francesca supports the implementation and reporting of EU-funded projects, assists with office and administrative tasks, and helps organize EMN events. She is the coordinator for EMN’s peer-to-peer visits as well as the SIFTA Programme’s activities assigned under EMN.
- [Joerg Schoolmann](https://www.european-microfinance.org/team/adrian-suteu/) - Joerg is responsible for coordinating and implementing the network's capacity-building activities, such as the SIFTA Programme, including peer-to-peer knowledge exchange, dissemination of best practices, financial literacy training for third-country nationals, and corporate-funded projects, including the last Ploutos Project and current Ready 4 Work projects.
- [Dominique de Crayencour](https://www.european-microfinance.org/team/dominique-de-crayencour/) - Dominique has served as a Board Member at the European Microfinance Network from 2016 to 2025, contributing to the strategic direction and governance of the organization.
- [Elwin Groenevelt](https://www.european-microfinance.org/team/elwin-groenevelt/) - Elwin has been a key member of the European Microfinance Network for over eight years. He served as President of the Board of Directors (2017–2021), providing strategic leadership, and as Treasurer (2013–2017), overseeing financial management and sustainability.
- [Septimiu Lupea](https://www.european-microfinance.org/team/georgios-papadakis/) - Septimiu supports EMN’s outreach in Eastern Europe and provides assistance to new members (Eastern Europe)
- [Ioana Szatmari](https://www.european-microfinance.org/team/marie-vial/) - Ioana has worked for almost 20 years in the Romanian market in projects related to community resource mobilisation, fundraising, sustainability and grant-making. Ioana has participated in, or coordinated projects that contributed to local community development and long-term, systemic change. She manages the workflow for EMN’s project and supports extensively with project management and reporting.

## Events

- [EMN Annual Conference 2026 "Building an Inclusive Entrepreneurship Ecosystem Together"](https://www.european-microfinance.org/event/save-the-date-emn-2026-annual-conference/) - 🐦Early Bird 🔗registrations for the EMN Annual Conference 2026 are now officially open! Join us in 📍Barcelona on 📆October 15-16 for this year’s edition themed “Building an Inclusive Entrepreneurship Ecosystem Together.” Organised in partnership with Microbank and Autoocupació, the conference will delve into the nuances of creating an enabling environment for inclusive entrepreneurship. Enjoy insightful
- [European Microfinance Day 2026](https://www.european-microfinance.org/event/emd2026/) - #EMD26 Campaign is back! At EMN, we are thrilled to launch a special edition of the European Microfinance Day Campaign celebrating the remarkable journeys of entrepreneurs who have thrived with the support of the microfinance sector. Building on the success of our in-person event in April, this campaign aims to shine a spotlight on the inspiring
- [SIFTA Webinar on impact pathways](https://www.european-microfinance.org/event/sifta-webinar-on-impact-pathways-2/) - Join us for the Impact Pathways webinar, where we will explore key definitions and the process of developing a coherent set of indicators designed to systematically and reliably measure outcomes. To support effective implementation, participants will receive practical guidance in formulating their own impact pathways, ensuring alignment with their specific organisational contexts. The session will
- [Sifta Webinar on Data Collection](https://www.european-microfinance.org/event/sifta-webinar-on-data-collection/) - Join this session to explore effective qualitative and quantitative methods to ensure that data collection aligns with your underlying theory of change. This includes developing structured questionnaires designed to capture the most relevant dimensions of impact. Quantitative data collection is supported with validated measurement scales, statistical methods, and specialised tools for impact assessment, ensuring reliable
- [Webinar: Presentation DevelopmentAID](https://www.european-microfinance.org/event/webinar-presentation-developmentaid/) - We are excited to announce our partnership with DevelopmentAid, the leading information service provider for international development aid and humanitarian assistance stakeholders. Their mission is to deliver up-to-date, relevant information for donors, agencies, consultancies, NGOs, and individuals in the international development sector. To introduce DevelopmentAid's services and demonstrate how they can benefit EMN members, we
- [Webinar #4 "Unlocking Opportunities: Microfinance 1.01 for Women Entrepreneurs"](https://www.european-microfinance.org/event/webinar-4-unlocking-opportunities-microfinance-1-01-for-women-entrepreneurs/) - Women entrepreneurs play a crucial role in fostering inclusive growth, innovation, and regional development throughout Europe. However, they face significant barriers in accessing finance, business support, and digital tools, particularly those operating as microenterprises. Microfinance can help bridge the financing gaps for early-stage and small-scale businesses that banks often overlook. In Ireland, Microfinance Ireland offers unsecured loans of
- [SIFTA webinar on Impact pathways](https://www.european-microfinance.org/event/sifta-webinar-on-impact-pathways/) - Join our Impact Pathways webinar to explore how to define outcomes and develop a coherent set of indicators to measure them in a systematic and reliable way. This session will guide participants through the process of building clear and structured impact pathways tailored to their organisational context. Through practical examples and hands-on support, you will
- [SIFTA webinar on Data analysis and discussion](https://www.european-microfinance.org/event/sifta-webinar-on-data-analysis-and-discussion/) - Reporting on impact relies on established standards and recognised best practices, ensuring transparency, methodological rigour, and comparability across studies. The process combines quantitative and qualitative data, integrating numerical results with contextual insights to provide a comprehensive understanding of outcomes. Where relevant, secondary data sources are included to complement primary evidence and strengthen analysis. Data interpretation
- [Train the Adviser – IP and finance: monetising IP rights](https://www.european-microfinance.org/event/train-the-adviser-ip-and-finance/) - Train the Adviser – IP and finance: monetising IP rights This session of the Train the Adviser programme, organised by the European Union Intellectual Property Office (EUIPO), explores the growing importance of intellectual property (IP) as a strategic financial asset for businesses. In today’s innovation-driven economy, IP is no longer just a legal protection mechanism.
- [SIFTA Workshop:  Impact Measurement and Management](https://www.european-microfinance.org/event/sifta-workshop-impact-pathways/) - The day after the EMD 2026 event, on 📆April 17th, EMN will host a full-day, in-person workshop focused on Impact Measurement and Management. The workshop will take place 🕐from 10:00 to 16:00 CET at EMN premises, located at 📍Rue d'Arlon 55, Brussels. Impact is central to the work of microfinance intermediaries, as both financial and
- [SIFTA webinar on Minority entrepreneurship: Seniors](https://www.european-microfinance.org/event/sifta-webinar-on-minority-entrepreneurship-seniors/) - Senior entrepreneurs bring a wealth of experience and a unique perspective to the business world, leveraging their extensive knowledge and vast networks. However, they may face age-related barriers that hinder their entrepreneurial pursuits, such as ageism in the marketplace or challenges accessing new technology. This webinar aims to highlight the vast opportunities available to this
- [SIFTA webinar on Minority entrepreneurship: Rural areas](https://www.european-microfinance.org/event/sifta-webinar-minority-entrepreneurship-rural-areas/) - Rural women entrepreneurs often face significant challenges stemming from their geographic and socioeconomic environments. These challenges can include limited access to markets, fewer educational opportunities, and reduced networking possibilities. This webinar will delve into these unique hurdles and discuss strategies to overcome them effectively. For loan officers, understanding these specific challenges is crucial, as it
- [The European Employment and Social Rights Forum 2026](https://www.european-microfinance.org/event/the-european-employment-and-social-rights-forum-2026/) - This Forum will address the EU’s response to the challenges many people face today, including the rising cost of living, job insecurity, and changes in the labour market. Opinion leaders, policymakers, businesses, academics and civil society will come together to explore bold ideas to support Europe’s greatest strength: its people. On Wednesday, March 4th, at
- [ECDN General Assembly & Conference: Gambling as a Social Problem - The Impact of Gambling on the Risk of Over-Indebtedness](https://www.european-microfinance.org/event/ecdn-general-assembly-conference-gambling-as-a-social-problem-the-impact-of-gambling-on-the-risk-of-over-indebtedness/) - Studies show that financial strain and hardship are disproportionately reportedby people experiencing gambling disorder. Financial strain and hardship are also widely reported by those who seek treatment for gambling disorder.Gambling should be recognised as a risk factor for poverty. How can debt advisory services help over-indebted gamblers ? The European Consumer Debt Network (ECDN) is
- [Webinar on the 2025 edition of the EMN-MFC Survey on Microfinance in Europe](https://www.european-microfinance.org/event/webinar-on-the-2025-edition-of-the-emn-mfc-survey-on-microfinance-in-europe/) - The European Microfinance Network (EMN) and the Microfinance Centre (MFC) are hosting a webinar presenting the results of their annual Survey on Microfinance in Europe. The webinar will focus on presenting the key results and discussing with key institutional partners (EC, EIF, EIB, CEB) what they reveal about the current state of microfinance in Europe. This year’s results are
- [Microfinance for Inclusive Entrepreneurship:  Insights from Greece and Croatia](https://www.european-microfinance.org/event/microfinance-for-inclusive-entrepreneurship-insights-from-greece-and-croatia/) - The Embassy of the Hellenic Republic in Zagreb, in partnership with the European Investment Bank Group Office in Croatia and the European Microfinance Network, has the pleasure of inviting you to the panel discussion “Microfinance for Inclusive Entrepreneurship:Insights from Greece and Croatia”. The event will bring together experts from Financial Institutions, Credit Union Associations and
- [Identify, protect and monetise IP assets](https://www.european-microfinance.org/event/identify-protect-and-monetise-ip-assets/) - This is a free online training session organized by the European Union Intellectual Property Office (EUIPO) as part of its "Ideas Powered for Business" initiative. It’s designed for business advisers, consultants and other professionals who work with small and medium-sized enterprises (SMEs) and want to understand better how intellectual property (IP) can be used as a strategic business asset. 📌
- [Train the Adviser IP and Finance: Monetising IP Rights](https://www.european-microfinance.org/event/train-the-adviser-ip-and-finance-monetising-ip-rights/) - Discover how intellectual property (IP) can drive business growth, generate income, and strengthen long-term competitiveness in this practical online session organised by the EUIPO. 📅 Date: 27 November⏰ Time: 10:00 – 11:30 CET💻 Format: Virtual🌐 Language: English About the Session Learn the strategic value of IP for businesses and how innovation can be protected through
- [Employment and sustainable careers](https://www.european-microfinance.org/event/sifta-webinar-on-employment-and-sustainable-careers/) - Amid rapid global shifts in the labour market, the concept of sustainable careers has become an essential framework for navigating modern professional paths. This webinar will explore what sustainable careers mean today within a changing global and socio-economic landscape—looking not only at how these contexts shape individual trajectories, but also at how collective career strategies
- [Mentoring: Enhancing Loan Safeguarding through Long-term Support](https://www.european-microfinance.org/event/sifta-webinar-on-mentoring-enhancing-loan-safeguarding-through-long-term-support/) - Join our webinar to explore how mentoring can play a crucial role in protecting loans and supporting entrepreneurs. Learn how loan officers can actively engage in mentoring relationships to help businesses thrive, reduce risks, and ensure financial stability. In this session, we will show how understanding business models and providing tailored guidance enables entrepreneurs to
- [Employment and sustainable careers](https://www.european-microfinance.org/event/employment-and-sustainable-careers/) - Amid rapid global shifts in the labour market, the concept of sustainable careers has become an essential framework for navigating modern professional paths. This webinar will explore what sustainable careers mean today within a changing global and socio-economic landscape, looking not only at how these contexts shape individual trajectories, but also at how collective career
- [SIFTA webinar on Tools for impact data collection](https://www.european-microfinance.org/event/topic-sifta-webinar-on-tools-for-impact-data-collection/) - This webinar will explore tools and sources for post-investment information that are available at scale and consistently comparable. Participants will learn about academic baseline data, geo-spatial data, open government datasets, as well as data from Eurostat, WHO, OECD, and open-source algorithms. Barbara Scheck is Professor of Entrepreneurship at Munich Business School. Her research focuses on
- [𝗨𝗻𝗹𝗼𝗰𝗸𝗶𝗻𝗴 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀: 𝗠𝗶𝗰𝗿𝗼𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝟭.𝟬𝟭 𝗳𝗼𝗿 𝗪𝗼𝗺𝗲𝗻 𝗘𝗻𝘁𝗿𝗲𝗽𝗿𝗲𝗻𝗲𝘂𝗿𝘀](https://www.european-microfinance.org/event/𝗨𝗻𝗹𝗼𝗰𝗸𝗶𝗻𝗴-𝗢𝗽𝗽𝗼𝗿𝘁𝘂/) - 𝘌𝘷𝘦𝘯 𝘪𝘯 𝘩𝘪𝘨𝘩-𝘪𝘯𝘤𝘰𝘮𝘦, 𝘸𝘦𝘭𝘭-𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘤𝘰𝘶𝘯𝘵𝘳𝘪𝘦𝘴 𝘭𝘪𝘬𝘦 𝘚𝘸𝘦𝘥𝘦𝘯 𝘢𝘯𝘥 𝘋𝘦𝘯𝘮𝘢𝘳𝘬, 𝘸𝘩𝘺 𝘥𝘰 𝘸𝘰𝘮𝘦𝘯 𝘦𝘯𝘵𝘳𝘦𝘱𝘳𝘦𝘯𝘦𝘶𝘳𝘴 𝘴𝘵𝘪𝘭𝘭 𝘧𝘢𝘤𝘦 𝘤𝘩𝘢𝘭𝘭𝘦𝘯𝘨𝘦𝘴? 𝘞𝘩𝘺 𝘢𝘳𝘦 𝘢𝘤𝘤𝘦𝘴𝘴 𝘵𝘰 𝘧𝘪𝘯𝘢𝘯𝘤𝘦, 𝘴𝘬𝘪𝘭𝘭 𝘨𝘢𝘱𝘴, 𝘢𝘯𝘥 𝘣𝘢𝘳𝘳𝘪𝘦𝘳𝘴 𝘵𝘰 𝘴𝘵𝘢𝘳𝘵-𝘶𝘱 𝘴𝘶𝘴𝘵𝘢𝘪𝘯𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘴𝘵𝘪𝘭𝘭 𝘱𝘦𝘳𝘴𝘪𝘴𝘵𝘦𝘯𝘵? This highlights the need for tailored solutions, such as microfinance products, blended guarantees, and mentorship programs, designed specifically for the Nordic context. 💬 Join us
- ["Empower! - Empowering Migrants in Professional Welfare & Economic Rights"](https://www.european-microfinance.org/event/empower-empowering-migrants-in-professional-welfare-economic-rights/) - We’re thrilled to invite you to "Empower! - Empowering Migrants in Professional Welfare & Economic Rights," a webinar organized by PerMicro and facilitated by EMN, on February 19th 2025. This session will showcase the impact and lessons learnt of the CEB-funded EMPOWER project for Extra-EU migrants in Italy. In one hour, we will reveal what has been done by an articulated team in the last two years
- [Webinar: '𝗠𝗶𝗰𝗿𝗼𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝟭.𝟬𝟭 𝗳𝗼𝗿 𝗪𝗼𝗺𝗲𝗻 𝗘𝗻𝘁𝗿𝗲𝗽𝗿𝗲𝗻𝗲𝘂𝗿𝘀'](https://www.european-microfinance.org/event/webinar-𝗠𝗶𝗰𝗿𝗼𝗳𝗶𝗻𝗮𝗻𝗰𝗲-𝟭-𝟬𝟭/) - Women entrepreneurs often face different challenges while pursuing their entrepreneurial journey. For this reason, in partnership with the WEP- Women Entrepreneurship Platform, the European Microfinance Network will host 'Microfinance 1.01 for Women Entrepreneurs', a webinar designed to discover how microfinance can unlock opportunities and support women entrepreneurs. Topics for the day Introduction to microfinance and its
- [Webinar # 2: Unlocking Opportunities: Microfinance 1.01 for Women Entrepreneurs](https://www.european-microfinance.org/event/webinar-2-unlocking-opportunities-microfinance-1-01-for-women-entrepreneurs/) - Women entrepreneurs in the Balkans encounter significant challenges in accessing the financial resources needed to launch, sustain, and grow their businesses. Factors such as limited collateral, gender bias in traditional banking, and insufficient financial literacy create substantial barriers. Microfinance offers a transformative solution by providing women with small loans, mentoring, and tailored financial products, which
- [Webinar: key findings from the 2024 of The Survey Report on Microfinance in Europe](https://www.european-microfinance.org/event/webinar-key-findings-from-the-2024-of-the-survey-report-on-microfinance-in-europe/) - On 𝗠𝗮𝘆 𝟭𝟱𝘁𝗵 the European Microfinance Network and the Microfinance Centre will host a webinar where we will explore the key findings from the 2024 edition of our flagship publication: The Survey Report on Microfinance in Europe. The presentation will be followed by insights and reactions from the authors and our key European partners. Don’t
- [SIFTA webinar - Fund Modelling](https://www.european-microfinance.org/event/sifta-webinar-on-fund-modelling/) - Join us for the Fund Modelling webinar, where you'll explore key topics including an introduction to essential fund terminology, an overview of cash flows at the fund level, and the roles and responsibilities of fund managers. You'll gain insights into fund development, management structures, and practical setups, and actively participate in Excel-based modelling exercises to
- [SIFTA webinar - Enhancing Financial Literacy for Microbusiness Success](https://www.european-microfinance.org/event/sifta-webinar-enhancing-financial-literacy-for-microbusiness-success/) - Join us on 8 May for "Enhancing Financial Literacy for Microbusiness Success", a session dedicated to exploring why a firm grasp of financial fundamentals is essential for microbusiness owners. Managing operations efficiently requires more than passion — it demands sound financial knowledge. This session will help participants deepen their financial literacy and gain practical tools
- [SIFTA webinar - Effectuation: Supporting Entrepreneurs from Vulnerable Communities](https://www.european-microfinance.org/event/sifta-webinar-effectuation-supporting-entrepreneurs-from-vulnerable-communities/) - Join us on 27 May at 14:00 (Brussels time) for a dedicated webinar exploring how Effectuation — a set of entrepreneurial principles focused on leveraging available resources and networks — can be practically applied by loan officers to support micro and small businesses in vulnerable communities. This session will dive into how Effectuation empowers entrepreneurs
- [SIFTA webinar - AI-based business models](https://www.european-microfinance.org/event/sifta-webinar-effectuation-ai-based-business-models/) - Join us on 2 June for a SIFTA webinar exploring how artificial intelligence (AI) transforms business models in the social enterprise sector. This session will explore the various AI-based approaches currently adopted — from prediction and classification models to generative tools and data analysis applications — and how they’re used in key fields such as
- [SIFTA webinar - Effectuation: Research and data literacy for impact management](https://www.european-microfinance.org/event/sifta-webinar-effectuation-research-and-data-literacy-for-impact-management/) - Join us on June 17th for an insightful webinar exploring how research can drive more effective impact management. We’ll explore where and how research adds the most value, comparing diverse methodologies and their practical applications. Key topics include: The strengths and limitations of different research designs Principles of qualitative and quantitative data collection Practical techniques
- [SIFTA webinar - Unlocking Potential: Entrepreneurship Patterns of Women Entrepreneurs](https://www.european-microfinance.org/event/sifta-webinar-unlocking-potential-entrepreneurship-patterns-of-women-entrepreneurs/) - Join us on June 19th for the SIFTA webinar Unlocking Potential: Entrepreneurship Patterns of Women Entrepreneurs. Women entrepreneurs often build their businesses under conditions that differ significantly from those of their male counterparts. From societal expectations and family responsibilities to unequal access to resources, these factors shape their motivations and their challenges. This session will
- [Webinar: The Green Transition Journey for Micro-entrepreneurs in 2025 - From Expectations to Reality](https://www.european-microfinance.org/event/webinar-the-green-transition-journey-for-micro-entrepreneurs-in-2025-from-expectations-to-reality/) - 𝘏𝘰𝘸 𝘢𝘳𝘦 𝘮𝘪𝘤𝘳𝘰 𝘢𝘯𝘥 𝘴𝘮𝘢𝘭𝘭 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴𝘦𝘴 𝘢𝘥𝘢𝘱𝘵𝘪𝘯𝘨 𝘵𝘰 𝘵𝘩𝘦 𝘨𝘳𝘦𝘦𝘯 𝘦𝘤𝘰𝘯𝘰𝘮𝘺? Join us for a conversation grounded in reality, not just ambition. This webinar will explore the real-world experiences of micro-entrepreneurs navigating the green transition in 2025. It will evaluate the extent to which expectations, such as policy frameworks, institutional ambitions, and sustainability targets, have
- [SIFTA webinar - Reporting and writing about social impact](https://www.european-microfinance.org/event/sifta-webinar-reporting-and-writing-about-social-impact/) - Join us on July 31st to discuss design thinking principles, which emphasize problem-solving through exploration and refinement phases. Participating in this webinar will help you develop a visual thinking toolbox with practical tips for organizing space meaningfully, enhancing clarity and engagement. Additionally, the session covers storytelling fundamentals—including knowing your audience and defining your purpose and
- [SIFTA webinar - Building Strong Entrepreneurial Teams for Business Success](https://www.european-microfinance.org/event/sifta-webinar-building-strong-entrepreneurial-teams-for-business-success/) - Many aspiring entrepreneurs lack the knowledge and tools to effectively build and manage entrepreneurial teams, which can lead to business failure or stagnation. Join us on September 4th to discuss the diverse skill sets and complementary strengths entrepreneurs can develop, how to work with shared vision and goals to reach adaptability and resilience. By creating
- [SIFTA webinar - Catalysing Youth Entrepreneurship: Challenges and Strategies](https://www.european-microfinance.org/event/sifta-webinar-catalysing-youth-entrepreneurship-challenges-and-strategies/) - Marginalized youth (NEETs) face systemic barriers to entrepreneurship, including limited resources, skills, and networks. Stakeholders need insights into these challenges and effective strategies to support these young entrepreneurs. Join us on September 25th to discuss with Tom Cooney about the unique barriers do marginalized youth face in starting a business and how entrepreneurship can provide
- [Bridging Borders: Inclusive Finance Insgihts from Belgium and Albania](https://www.european-microfinance.org/event/bridging-borders-inclusive-finance-insgihts-from-belgium-and-albania/) - This event, organized by EMN and Inpulse, aims to explore the inclusive finance sector in Europe, with a focus on insights from Belgium and Albania. It will provide an excellent opportunity to exchange on successes, challenges, and the role of MSME finance in sustainable development. REGISTER HERE 💻 Can’t join us in Brussels? Follow the
- [SIFTA webinar on Capital solutions for the social economy](https://www.european-microfinance.org/event/sifta-webinar-on-capital-solutions-for-the-social-economy/) - This session will explore the diverse funding avenues available to social economy organisations, particularly non-profits and cooperatives, enabling them to navigate the common challenges of securing patient capital. Attendees will gain insights into innovative financing strategies, practical tools, and real-world examples of successful investment approaches tailored to the social impact sector. Clémentine Blazy, from the
- [SIFTA webinar on Impact measurement techniques- Mikrofonden Case Study](https://www.european-microfinance.org/event/sifta-webinar-on-impact-measurmenet-techniques-mikrofonden-case-study/) - Explore impact measurement in microfinance through the Swedish fund Mikrofonden, including practical approaches to assess initiative effectiveness, metrics and reporting for portfolio outcomes, and sampling strategies, as well as financial and impact performance reporting. Barbara Scheck, Munich Business School. Barbara is a Professor of Entrepreneurship at Munich Business School. Her research focuses on financing social
- [SIFTA Webinar - Why and when to regulate social enterprises?](https://www.european-microfinance.org/event/sifta-webinar-why-and-when-to-regulate-social-enterprises/) - Join us on 4th of October to discuss on how and if The Social Business initiative highlighted the key essential features of European social enterprises, paving the way to a consistent mapping of social enterprises and their ecosystems in Europe.
- [SIFTA Webinar on Migrant Entrepreneurship with focus on Women](https://www.european-microfinance.org/event/sifta-webinar-on-migrant-entrepreneurship-with-focus-on-women/) - Are you ready to unlock the potential of diversity in entrepreneurship? Discover how female migrant entrepreneurs navigate barriers and leverage networks for success in our upcoming SIFTA webinar on Migrant Entrepreneurship focused on women entrepreneurs, taking place on May 30 at 2pm CET. Speaker for the day, Manik Chander, Co-founder of My Migrant Mama, an award winning platform
- [SAVE THE DATE! EMN ANNUAL CONFERENCE 2024](https://www.european-microfinance.org/event/save-the-date-emn-annual-conference-2024/) - EMN is excited to invite you to join us in Bucharest (RO) on 20-21 June 2024 for its 21st Annual Conference! As usual, the conference will be preceded by a series of activities dedicated to members, including EMN General Assembly, taking place on June 19. Stay tuned for more information to be shared in the coming weeks!
- [SIFTA WEBINAR on "Outcome-based contracting"](https://www.european-microfinance.org/event/sifta-webinar-on-outcome-based-contracting/) - Join us on 6th of May to discuss together on how outcome-based contracting instruments started to play a crucial role in driving social innovation, accountability, efficiency, and effectiveness in social finance, ultimately leading to greater social impact and positive outcomes for individuals and communities. Join us to hear from Barbara Scheck to hear about instruments such as SIBs, DIBs,

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