Alex Cavaleri

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  • Si on en est à dire pour ou contre > problème de vision de l’entreprise En reconsidérant les arguments des uns et des autres, ts semble adhérer à l’accompagnement. Avec une vision un peu remodelée… la suivante. Manifestement le résultat du dernier séminaire montre que tout le monde est pour. Qu’on devra veiller à argumenter… Donc on revient une dernière fois sur cette mission
  • Alex Cavaleri

    1. 1. Innovation at Adie with the support of the ESF Give micro-entrepreneurs the means of succeeding : Key success factors and best practices
    2. 2. Innovation at Adie with the support of the FSE <ul><li>Adie </li></ul><ul><li>Projects, Innovation , Results </li></ul><ul><li>Lessons from the Adie’s experience </li></ul>
    3. 3. ADIE: association pour le droit à l’initiative économique <ul><li>The mission : fight against social exclusion </li></ul><ul><li>A tool: provide access to credit to people excluded from the private banking system. </li></ul><ul><li>2007: </li></ul><ul><li>9,853 micro-loans disbursed in 2007 / 8 297 enterprises created </li></ul><ul><li>90% of our clients were unemployed </li></ul><ul><li>57% of the enterprises created still operating after 3 years </li></ul><ul><li>80% of the persons financed reintegrate professional life </li></ul><ul><li>A team of 400 employees and 1300 volunteers </li></ul>
    4. 4. 1. « EQUAL » =  new services to micro-entrepreneurs <ul><li>Issu e = improve professional integration and survival rate. </li></ul><ul><li>Solution = offer services adapted to the problems and the revenues of micro-entrepreneurs </li></ul><ul><ul><li>Promote access to financial services other than credit and non-financial services (training, consulting,…); </li></ul></ul><ul><ul><li>2) Develop services, internally or in partnership with other structures (private or non-profit organisations) </li></ul></ul>
    5. 5. Calendar & budget <ul><li>Experimentations over 2.5 years : </li></ul><ul><li>From April 2005 to the end of 2007. </li></ul><ul><li>mainstreaming in 2008 </li></ul><ul><li>Budget over 3.5 years = 1,3 M€ </li></ul><ul><li>50% covered by the ESF </li></ul>
    6. 6. Services to microentrepreneurs <ul><li>1) Training </li></ul><ul><li>computer course and sales training </li></ul><ul><li>2) Financial services </li></ul><ul><li>Improve access to insurance </li></ul><ul><li>3) Management and consulting services </li></ul><ul><li>accounting, legal assistance, consulting </li></ul><ul><li>4) Providing access to markets </li></ul><ul><li>Creating links with large companies (Primagaz, Auchan, Leroy Merlin, …) & micro-entreprises. </li></ul>
    7. 7. Exemple of training : computer course <ul><li>Partners   : Microsoft, Ciel, Actif DPS, Eco’d’Air </li></ul><ul><li>Target : improve access to new technologies and information. </li></ul><ul><li>Experimentation: « computer in 3 clicks » </li></ul><ul><ul><li>3-day training. In 5 regions since 2005. </li></ul></ul><ul><li>Spreading in 2008 : all regions & development of additional services: </li></ul><ul><ul><li>« My company on Internet » </li></ul></ul><ul><ul><li>Computer Expertise on demand </li></ul></ul><ul><ul><li>« Meet a web marketing expert » </li></ul></ul><ul><li>Results - 2006-2008 : 1200 micro-entrepreneurs trained in 31 centres. </li></ul>
    8. 8. Management services : chartered accountant services <ul><li>Target : provide chartered accountant services at an affordable price </li></ul><ul><li>Experimentation : Grenoble, negotiation of tariffs with a chartered accountant </li></ul><ul><ul><li>900€ HT/year </li></ul></ul><ul><ul><li>1 meeting/quarter </li></ul></ul><ul><li>Spreading : each regional branch negotiates with local partners </li></ul><ul><li>Results : Partnerships set up in 50% of regional branches </li></ul>
    9. 9. Management services : Legal assistance <ul><li>Partner : Linklaters </li></ul><ul><li>Target : Legal assistance ( e-mail) for loan officers and volunteers in charge of clients coaching </li></ul><ul><li>Experiment : </li></ul><ul><ul><li>A unique email address juridique @adie.org since mid-2005 </li></ul></ul><ul><ul><li>A form to fill up (on intranet) to describe the context & the problem to solve </li></ul></ul><ul><ul><li>A personalised answer within 5 days </li></ul></ul><ul><li>Spreading : additional partners (Latham&Watkins, Hogan&Hartsons, Avocats de Paris) </li></ul><ul><li>Results : 1 personal advice per day </li></ul>
    10. 10. On-demand consulting with Adie Conseil <ul><li>Partners : Evers&Jung (Allemagne), Mondiale Assistance </li></ul><ul><li>Target : provide immediate answers to all our clients </li></ul><ul><li>Means : </li></ul><ul><li>> a single number 0811 88 23 43 opened every working day from 2PM to 6PM </li></ul><ul><li>> A team of volunteers </li></ul><ul><li>> A fully equipped platform </li></ul><ul><li>Spreading : serving 19.000 active clients </li></ul><ul><li>Results : 100 questions handled/month (increasing) </li></ul>
    11. 11. Access to new financial services: micro-insurance <ul><li>Target : Give micro-entrepreneurs access to insurance </li></ul><ul><li>Experimentation : </li></ul><ul><li>> Fondation Entrepreneur de la Cité from 01/07 </li></ul><ul><li>> Axa- Macif from 07/07 </li></ul><ul><li>Spreading : ongoing in 2008 / Fully deployed in May 09 </li></ul><ul><li>Results : </li></ul><ul><li>> Fondation Entrepreneurs de la Cité : 150 contracts </li></ul><ul><li>> Axa-Macif : 500 contracts </li></ul>
    12. 12. Providing access to markets <ul><li>Target: help plumbers and heating engineers developing their activity </li></ul><ul><li>Partner : Primagaz </li></ul><ul><li>Offer: since may 2005 </li></ul><ul><li>> Free training </li></ul><ul><li>> Professional tools </li></ul><ul><li>> Plumbers included in Primagaz network </li></ul><ul><li>Mailing + information through loan officers and volunteers. </li></ul><ul><li>. Results : 100 plumbers in relation with Primagaz </li></ul><ul><li>Spreading : creating new partnership for various sectors </li></ul><ul><li>(GoMicro, Schneider, Leroy Merlin… ) </li></ul>
    13. 13. Six lessons <ul><li>Start from clients’ needs </li></ul><ul><li>Create tailor-made offers and services </li></ul><ul><li>Specialize your team members </li></ul><ul><li>Professionalize your project management </li></ul><ul><li>Speak client’s language  </li></ul><ul><li>Get Partners </li></ul>

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