Jean Claude Rodríguez-Ferrera M. Director comunidadescaf
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Jean Claude Rodríguez-Ferrera M. Director www.comunidadescaf.org The CAF Model
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The CAF Model. Jean Claude Rodríguez-Ferrera M. Director www.comunidadescaf.org. 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 - PowerPoint PPT Presentation
Transcript of Jean Claude Rodríguez-Ferrera M. Director comunidadescaf
Jean Claude Rodríguez-Ferrera M.Director
www.comunidadescaf.org
The CAF Model
INTEGRATIONAL MODELS FOR LOW INCOME PEOPLE SHOULD BE BASED IN...
1. Economic and emotional integration2. Multicultural relational networks 3. Individual motivation to get together/ useful
services4. Exponential integration5. Companies participation6. Low income people as main actors
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
COMING TOGETHER: COMMUNITY CREDITS
Month 1Month 1 Month 2Month 2 Month 3Month 3 Month 4Month 4
Amina: 300Amina: 300 Amina: 103Amina: 103 Amina: 103Amina: 103 Amina: 103Amina: 103
Luis: 200Luis: 200 Luis: 102Luis: 102 Luis: 102Luis: 102 __
Dienaba: 300Dienaba: 300 Dienaba: 103Dienaba: 103 Dienaba: 103Dienaba: 103 Dienaba: 103Dienaba: 103
Amadou: 300Amadou: 300 Amadou: 103Amadou: 103 Amadou: 103Amadou: 103
Karina: 100Karina: 100 Karina: 51Karina: 51 Karina: 51Karina: 51
Pateh: 200 Pateh: 200 Pateh: 102Pateh: 102
Sam: 300Sam: 300 Sam: 103Sam: 103
Capital available: Capital available: 800 (20 x 40 euros)800 (20 x 40 euros)Benefits: 0Benefits: 0
Capital available : Capital available : 308 + 100 = 408308 + 100 = 408Benefits: 8Benefits: 8
Capital available :Capital available :450 + 8 + 12 + 40 450 + 8 + 12 + 40 = 510= 510Benefits: 12Benefits: 12
Capital available :Capital available :550 + 8 + 12 + 15 550 + 8 + 12 + 15 + 80 = 665+ 80 = 665Benefits: 15Benefits: 15
OFFERRED SERVICESCommunity based Company based
Community credits(100-2.500 euros)
Credits for entrepreneurs (3.000-30.000 euros)
Emergency funds Insurances
Coffee pages Formal employment
CAF “EL INTENTO”Girona
CAF “GRUPO DE APOYO”Barrio del Raval
CAF “AYNI”Ciutat Vella
CAF “HONDUCAT”Ciutat Vella
RESULTS I
More than 500 CAFs in Europe, Latinamerica and Africa (22 in Barcelona)
More than 15.000 members from 18 nationalities working together
More than 20.000 microcredits, 2 % unpayment Credit average (Europe): 380 euros Annual Rendibility (Europe): 16 %
RESULTS II
Self-managementGrass root organisationsHigh participationMulticultural groupsFormal companies participating
NEXT STEPS
Expansion: Europe, Latm and Africa through franchise
New services: housing, investment funds
