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Premier rapport européen sur la finance éthique
November 30, 2017
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La finance éthique est très différente de la finance spéculative ; c’est pour cette raison qu’elle permet de conserver et d’augmenter la valeur économique de l’épargne dans le temps et d’ajouter à la dernière ligne du relevé de compte une série d’autres valeurs, comme le respect de l’environnement, la lutte contre le changement climatique, le droit au logement, l’inclusion des personnes et des organisations traditionnellement exclues des circuits financiers traditionnels.

C’est ce qui émerge de la première recherche sur la finance éthique et durable en Europe – réalisée par la Fondation Finanza Etica – et présentée le 28 novembre à Montecitorio dans le cadre d’un séminaire que nous avons organisé conjointement avec des associés de référence, un an après l’approbation de la première loi qui reconnaît la valeur de la finance éthique et durable.

Le premier rapport européen sur la finance éthique

La somme des activités de la finance éthique et durable en Europe décrites dans le rapport équivaut à 715 milliards d’euros : près de 5 % du produit intérieur brut total de l’Union européenne (au moment de faire la somme des données, les chercheurs ont serré très fortement les mailles de manière à ne pas inclure les produits financiers ou de crédit qui se définissent « éthiques » mais sont dilués dans le marketing (en effet, même l’éthique peut être un argument de vente).

Voici comment se répartissent ces 715 milliards :

  • 39,80 milliards représentent les actifs des près de 30 banques éthiques et durables européennes, qui fin 2016 ont concédé des crédits pour un total de 29;33 milliards d’euros à des dizaines de milliers de projets pour l’inclusion sociale, la protection de l’environnement, la culture et la coopération internationale. C’est de ces banques que parle la première partie de la recherche, dans laquelle est présentée également une comparaison inédite entre leur rentabilité et celles des grandes banques commerciales européennes. Le résultat est une victoire sur toute la ligne pour les banques éthiques. En particulier, la recherche s’attarde sur le rapport prêts/actifs des banques (données 2016), elle met en évidence un taux de 73,42 % pour les banques durables contre 38,53 % pour les soi-disant banques systémiques ou « too big to fail ». C’est là une différence énorme, dans la pratique, les banques éthiques et durables octroient le double des prêts pour les mêmes actifs, comparativement à celles de plus grandes dimensions. Il se confirme que Les banques éthiques sont plus solides et plus résilientes : au cours des 10 dernières années, leurs rendements ont été constants.
  • 493 milliards ont été par ailleurs investis dans des fonds socialement responsables et donc dans des actions et obligations d’entreprises cotées en bourse ou en titres d’Etats, tous sélectionnés sur la base d’une série de critères de durabilité ! Pas d’armes, ni jeu de hasards, pétrole, charbon ou tabac. Voie livre, par contre, pour les sociétés et les Etats ‘les meilleurs de la classe » : qui investissent dans les énergies renouvelables, adoptent des systèmes de gestion environnementale certifiés et ne sont pas engagés dans un type de controverse importante . C’est de ces fonds que traite la deuxième partie du rapport, avec une attention particulière aux définitions qui sont extrêmement importantes pour réussir à distinguer des investissements réellement responsables de ceux qui, au contraire, veulent seulement peindre de vert des produits financiers normaux pour attirer de nouveaux « segments de clientèle ».
  • 5,54 milliards d’euros constituent le montant des microcrédits octroyés en Europe. Un chiffre peu important par rapport aux crédits des banques éthiques et aux investissements des fonds socialement responsables mais qui représente la somme de centaines de milliers de petits emprunts qui font la différence . Le microcrédit, rendu célèbre par le « banquier des pauvres », le bengali Muhammad Yunus, prix Nobel de la paix en 2006, s’est montré adéquat même pour les exigences des 750 mille Européens : des prêts de quelques milliers d’euros qui ont permis l’engagement dans des activités entrepreneuriales avec succès et pour faire face aux besoins temporaires de liquidités. Certaines personnes on ouvert avec cet argent un atelier de couture que relie l’Italie et l’Afrique, d’autres ont démarré une start-up devenue millionnaire et d’autres, plus modestement, ont remboursé des frais médicaux pour aider un parent proche. Des femmes et des hommes qui n’auraient jamais réussi à obtenir un financement d’une banque traditionnelle car considérés comme « non solvables » : des chômeurs ou n’ayant qu’un travail précaire ou peu rémunéré, ou encore des jeunes avec des idées innovantes mais sans capitaux pour les réaliser.
  • Et finalement les Green bonds, par lesquels les entreprises et les administrations s’endettent sur le marché pour financer des projets environnementaux ont explosé entre 2013 et 2014 et continuent à croître depuis. En Europe, selon les données cumulées de l’année dernières, la valeur des titres verts en circulation est de 178 milliards d’euros. Marginaux mais en forte expansion, les social impact bonds financent par ailleurs des projets de welfare pour un total de 273 millions d’euros. Une des nouvelles frontières de la finance éthique et durable qui est traitée en profondeur dans la quatrième partie de la recherche, parmi beaucoup de lumières et quelques zones d’ombre.

Télécharger la recherche (en italien)

Télécharger la recherche intégrale sous la direction de: Matteo Cavallito, Emanuele Isonio, Mauro Meggiolaro.

Traduction de l’article ” LA FINANZA ETICA VALE IL 5% DEL PIL EUROPEO (La finance éthique équivaut à 5 % du PIB européen”), 29 novembre 2017, Banca Etica

Transformative economy: final report of the SSEDAS-SUSY research

The SSEDAS-SUSY project published its final analysis of the research “Transformative economy: challenges and limits of the Social and Solidarity Economy (SSE)” in 55 territories in Europe and in the World.

Read more

Media: STIR (UK) community toolbox special issue

“Our spring  2017 issue is a Community Toolbox of illustrated how-tos and articles to support more community-led change. With so many communities now interested in buying local assets and using co-operative governance, we decided to invite leading practitioners to introduce a tool and how it works.

How do you engage your local community? One way to start is to co-create a Local Economicc Blueprint. This tool is about bringing people together to explore how to change procurement strategies  at local anchor institutions, the opportunities for import substitution, and how to support local enterprises. It’s a really useful tool that allows you to identify local needs and build a strategy on how to get there, without assuming what the community needs. “

To help you set up, this issue addresses different themes:

  • What is Community Economic Development?
  • How to Create a Local Economic Blueprint?
  • How to Make Decisions Online ?
  • How to Make a Community Space Work
  • How to Set up a Community Co-op

You can find more informations here:

https://www.stirtoaction.com/issues/issue-17

You can should more informations specifically  about solidarity economy on this issue:

https://www.stirtoaction.com/issues/issue-16

About the Magazine

STIR magazine is a quarterly print magazine of new economic ideas and original art in 2013. We publish international contributors on the co-operative movement, the global commons, solidarity economics and many other emerging political practices. Moving beyond traditional political commentary, we explore the inspiring and viable alternatives that represent a serious challenge to the current political crisis.

STIR magazine explores community ownership, co-operatives, post-growth economics, food sovereignty, alternative finance, law and social change, open data, cultural activism, peer-to-peer production, and the future of work.
Sources: https://www.stirtoaction.com/

Marocco: International Forum of Social Solidarity Economy

Engagement, Citizenship and Development: “How to train in the social and solidarity economy sector?”

MARRAKECH- 22,23 and 24 OF MAY 2017

The goal of this Forum is  to organise a dialogue between  all the actors, from North to South, involved in education and training on Social Solidarity sector. It is a cooperative effort by both Universities: Haute-Alsace University (France) and Cadi Ayyad University (Marrakech). During this meeting organised in Marrakech, associations, enterprises, public institutions as well as students and researchers  from France and Marocco and more in general from Maghreb and Sub-Saharan Africa are welcome to exchange and debate about the education and research-action in Social Solidarity Economy, in an international perspective as well.

More informations in French:  www.forumess.com

Goodbye Eva

It’s a great sadness that we learned of the passing away of our colleague Pr. Dr. Eva G Fekete on april 24 2017. She was one of the founding members of RIPESS Europe for Hungary. She was professor at the University of Miskolc, former head of the Northern Hungarian Department of the Centre of Regional Studies at the Hungarian Academy of Sciences, an active member of the Committee of Regional Sciences of the Hungarian Academy of Sciences and of the board of the Hungarian Regional Scientific Society. She was also a member of the RIPESS advisory council. Last september, she had welcomed the coordination commitee in Budapest. She had also organized an exciting visite in  Tahitótfalu, a village in the north of Pest county, on the Szentendre island near to the capital where we met various actors of SSE, determined to defend their civic engagement. She was herself a staunch avocate of SSE in Hungary. Our condolescences go to all her family, friends and colleagues.

Workers buyouts and self-management: strengths and weakness of a social mouvement
December 23, 2016
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EuroWorkers' Economy 2016

The first international meeting “Worker’s economy” was held in 2007 in Argentina and brought together workers from workers’ takeover enterprises, political and social activists, trade unionists and academics.

Since then, the meetings are held every two years and are spaces for coming together, discussing and reflecting on the challenges faced by workers in their efforts to defend their livelihood through self-management, against the assaults of globalized capitalism.

The second Euro-Mediterranean meeting held in Thessaloniki, Greece, from Friday 28th to Sunday 30th October, 2016 gathered over 200 participants from many countries in Europe, Latin America, Turkey and even Syria, thanks to an online testimony of the struggle of the Kurdish community of the Syrian Rojava.

See the programme here.

The meeting focused on the struggles of workers to recover their enterprises, an act of resistance to capitalism that eliminates production units that are no longer profitable, i.e. do not yield satisfactory profits for expected investment returns.

The takeover is therefore firstly the way to preserve jobs, as well in the long term an instrument of social transformation and the creation of a new economy liberated from exploitation and turned to the satisfaction of social needs. It is a question of changing paradigms and replacing a predatory economy, based on the exploitation of workers by a basic needs and social justice oriented economy .

Many testimonies focused on the struggles and forms of organization adopted to reconvert businesses into self-managed cooperatives. The meeting took place in the VIOME plant that has been struggling since 2011, following the abandonment of the factory by employers, leaving workers without wages in a crisis context where unemployment reaches 30% of the population.  VIOME is still threatened with expulsion, the state having put the factory at auction. The resistance of workers is emblematic, supported by people of the region and far beyond. Moreover, it was the mobilisation of those sympathizers that allowed the meeting to be held in good conditions.

Testimonies were also members of Fralib (Marseille region, France), which after 1336 days of fighting the multinational Unilever (for the brand Elephant Teas) succeeded in creating the ScopTI cooperative, and to sell organic teas and infuses (the 1336 brand is now found in in bio-coops and other outlets of the solidarity economy).  Also factory worgers from Rima flow (the suburb of Milan) brought their experiences, as well as Kazova in Turkey or Campichuelo graphics and design cooperative in Argentina, Dita in Bosnia and Herzegovina and many others …

Besides these testimonies, participants were able to examine the values at stake. Thus, an Italian doctoral student expressed her findings under the prism of gender in the self-managed enterprises (where one sees no surprise that women also struggle to take their place in spite of the declarations of equality) and the control of emotions in groups not regulated by authority.  A group of refugee women who organize themselves to produce knittings and securing supplies in the camp where they are kept, testified to the harassing complications that the government introduced to limit their autonomy.

Self-Management was central of course, but also the processes of takeover of the common assets: re-municipalization of cleaning services in Madrid, rescue of beaches in Greece with the example of the Voula camping that was rendered to the inhabitants while the beach was threatened with privatization (everything is sold out in Greece).

Josette Combs, representing MES in Ripess Europe, intervened in the round table on “legal, social and political assistance structures that could help in the takeover of self-managed factories. What role can trade unions, international networks, legal consultants and solidarity movements play in the connection of struggles for self-management with their social and political context“, dedicated to the role of networks in support of takeover initiatives, where the debate also focused on the involvement of local communities with citizens in a spirit of support for the local economy.

The recurring discourse engages in the struggle needed to advance the self-managerial economy, continuously threatened by attacks from the imposed authorities or by the internal risk of departing from the initial spirit of horizontal and joint governance, still under the battering of the market which tries to helm the road to these atypical undertakings, which challenge the capitalist model of accumulation and exploitation of both producers and consumers.

Lots of energy and lots of fragility intermingled and a genuine warm brotherhood during these three days of exchanges that included local music and sales stands for the products of the cooperatives.

Josette Combes, MES

Be part of CSA!
December 16, 2016
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Be part of a CSA booklet

The “Be part of CSA!” project – a European Participatory Training Programme for Community Supported Agriculture – has been designed to spread widely CSA initiatives by providing knowledge, skills and competences to local communities in Hungary, Czech Republic and Romania, and disseminates its outcomes at the European level.  The Booklet is here to introduce the fundamentals; the Trainers’ Guide is intended as supplementing material for trainers, multipliers and facilitators to organise the agenda of each training session, providing them with educational materials and training techniques not always directly connected to CSA, but that partners thought relevant to the project.

More info and download the guide (in English) here.

Alternatives économiques: The Economy Otherwise Days
December 9, 2016
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The French magazine Alternatives economic organized on 25th and 26th November in Dijon a symposium entitled “The Days of the Economy Otherwise”, in partnership with many SSE actors (see the list of partners here). About 2,000 people, coming from all over the country and even abroad, spent a total of two days in the various places where plenaries, roundtables and workshops were held.

Read more

7th ILO SSE Academy: presentations, materials, photos and videos

21The 7th ILO Social and Solidarity Economy Academy took place in San José, Costa Rica, from the 21st to the 25th of November 2016. You can access its presentations, materials, photos and videos through the following channels:

Read more

Thanks Arielle!
November 17, 2015
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Arielle NdimbiarivolaArielle Ndimbiarivola completed an internship at the RIPESS EU during her Masters studies, under the direction of Eric Dacheux, professor at the Clermont Ferrand II university, in the context of the UFR Applied trade, languages and communication. During his internship, Arielle was has been crucial helping for the organization of the Ripess Europe General Assembly within Solikon 2015 in Berlin.  She also participated in the implementation of the Newsletter and ensured with pugnacity the facilitation of the members’ requests. On 17 October, she presented her thesis entitled “Intercultural cooperation through communication” where she examined the challenges and difficulties but also the wealth related to the diversity of the members of a European network dedicated to solidarity economy. We will publish this document as soon as she makes it available. We learned that she has since found employment immediately in the field of her speciality. Thanks to the quality of her presence in the past few months on our side, we wish well for her professional and personal development.

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