Presentation is loading. Please wait.

Presentation is loading. Please wait.

Jean Claude Rodríguez-Ferrera M.

Similar presentations


Presentation on theme: "Jean Claude Rodríguez-Ferrera M."— Presentation transcript:

1 Jean Claude Rodríguez-Ferrera M.
The CAF Model Jean Claude Rodríguez-Ferrera M. Director

2 Integrational Models for low income people should be based in...
1. Economic and emotional integration 2. Multicultural relational networks 3. Individual motivation to get together/ useful services 4. Exponential integration 5. Companies participation 6. Low income people as main actors

3 The CAF Model Members manage the organisation: they are owners and customers 10-30 members buy shares Members can ask for credits, insurances, employment Benefit is distributed depending on number of shares

4 Coming together: community credits
Month 1 Month 2 Month 3 Month 4 Amina: 300 Amina: 103 Luis: 200 Luis: 102 _ Dienaba: 300 Dienaba: 103 Amadou: 300 Amadou: 103 Karina: 100 Karina: 51 Pateh: 200 Pateh: 102 Sam: 300 Sam: 103 Capital available: 800 (20 x 40 euros) Benefits: 0 Capital available : = 408 Benefits: 8 = 510 Benefits: 12 = 665 Benefits: 15

5 Offerred services Community based Company based Community credits
( euros) Credits for entrepreneurs ( euros) Emergency funds Insurances Coffee pages Formal employment

6 CAF “EL INTENTO” Girona

7 CAF “GRUPO DE APOYO” Barrio del Raval

8 CAF “AYNI” Ciutat Vella

9 CAF “HONDUCAT” Ciutat Vella

10 Results I More than 500 CAFs in Europe, Latinamerica and Africa (22 in Barcelona) More than members from 18 nationalities working together More than microcredits, 2 % unpayment Credit average (Europe): 380 euros Annual Rendibility (Europe): 16 %

11 Results II Self-management Grass root organisations High participation
Multicultural groups Formal companies participating

12 Next steps Expansion: Europe, Latm and Africa through franchise
New services: housing, investment funds

13 Thank you


Download ppt "Jean Claude Rodríguez-Ferrera M."

Similar presentations


Ads by Google