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CREDAL: OF CITIZEN ORIGIN

• « Action banque-apartheid »! anti-apartheid activists discovered that Belgian banks invest in South Africa

• Création of Crédal (CREDit ALternatif) in 1984, a Cooperative society with social finality

• Values: transparency for investissors, investments with social and society profits

- Here, you give meaning to our money? - Yes, absolutely !

Administration

UN PLACEMENT SOLIDAIRE

25 millions funding

By 2200 cooperators

Around 1.000 crédits per year

COOPERATIVE DE CREDIT ALTERNATIF

LES PARTS DE COOPÉRATEURS

Dividend between 1,5 and 2,5 % (2012 : 2,17%) 

All cooperators invest their savings in shares of the cooperative

Portfolio credit

Portfolio credit

CREDAL: 1 cooperative and 3 non profit associations

Benefits

Dividend

LE CRÉDIT SOLIDAIRE

• For Social Economy (social entreprises and associations)

• adaptability and flexibility

– From 2.500 € to 600.000 €– During: 1 month to 20 years.– Rate: 3 à 6,5%.

MICROCRÉDIT

PROFESSIONNAL MICROCREDIT

• Entrepreneurship development .• No access to bank’s credit.• Support for 2 years by volunteers

• Specificity:– 15.000€.– During 4 years maximum.– Rate 6%.

– The Sustainable Microcrédit.: 25.000 €

CRÉDIT IMPACT+

• Creation or development of SMEs

• Engaged in a strong momentum around the 3 pillars of sustainable development: economic - social - environmental

• Spécificités:– From 15.000€ to 200.000 €– Variable rate based on social and environnemental

performances

NEW !

PERSONNAL MICROCRÉDIT

Consumer credit whose objective is the realization of a life (job, marriage, family reunification migrants, ...)

For people with low incomes, bank excluded.

Specificities:– Max 10.000€.– 4 years max.– Rate 4,5% - 5 %.

GREEN MICROCREDIT

Le Prêt Vert Bruxellois:

- Max 20.000€- Rate: 0%- For people who want to make energy-

saving work in their home

Le projet a été réalisé à l’initiative de Bruxelles Environnement, l’Administration de l’Energie et de l’Environnement en Région

de Bruxelles-Capitale.

MICROCRÉDIT: Live Well At Home

Live Well At Home:

- Max 10.000€- Rate: 0%- For people 65 + losing autonomy wishing

to carry out development for their home maintenance

Le projet réalisé à l’initiative de La Ministre Tillieux, Ministre de

la Santé, de l’Action Sociale et de l’Egalité des Chances.

NEW !

L’ÉQUIPE DE CRÉDAL

• 40 employees and 70 volunteers.

• branches in all major cities (in the french part of Belgium):

• Louvain-la-Neuve• Bruxelles• Charleroi• Liège• Namur

Administration

L’ÉQUIPE DE CRÉDAL

Administration

Crédal est soutenu par :

Merci de votre attention

Contact:

credal@credal.be

010/48.33.50

www.credal.be