1. Qredits
nationwide Microfinance provider in the Netherlands
Mission: to provide financing up to Euros and coaching to start-ups and existing entrepreneurs, in the Netherlands with a viable business plan, who are socially or financially excluded. For them to become economically independent, and included in and contributing to society (both socially and financially).
Outstanding portfolio: € ,-. Active clients 2700
Products:
Microloan up to € ,- (interest ,75%, closure fee €)
Entrepreneurial loans €25.000,- to €50.000,-
Coaching pre and post loan
Entrepreneurial Tools: Elearning start up, Entrepreneurial plan

2. European instruments used
Eppa loan ,- 5 year, for capacity building, low interest rate
Jasmine assistance program, training, assessment
Progress Microfinance facility guarantee, 75% of loss-recovery rate for loans to target group (unemployed or risk of unemployment, limited in access to financial market to start micro enterprise)
Pilot group European code of conduct