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The solidarity funds 90/10: a French model that inspires Europe

Thirty years ago, a discreet and innovative financial tool was born: the 90/10 solidarity funds. Long overlooked, these funds have become a pillar of the employee savings schemes in France, while financing the development of the Social and Solidarity Economy (SSE). Today, their success extends beyond borders and is attracting interest from our European neighbours.

With the support of the Caisse des Dépôts et Consignations (CDC), France Active was behind the creation of the first 90/10 fund in 1994, the “Insertion Emplois Dynamique” fund, which is now managed by Mirova. Since then, we have been mobilising French citizens’ solidarity savings through France Active Investissement, thereby supporting companies and associations with a social or environmental mission.

A unique mechanism, a social ambition

Since 2001, companies are legally bound to offer at least one solidarity fund as part of their employee savings schemes. The principle? To allocate between 5% and 10% of the assets to SSE projects. The rest is invested in traditional assets (shares, bonds) or responsible management. It is a winning formula that allows employees to combine returns with social impact, and that was reinforced by the 2019 “Pacte” law.

The French Social and Solidarity Economy is a diverse ecosystem including associations, work integration social enterprises, cooperatives, social landlords, microfinance actors and more. They all share a common mission: to reduce inequalities, promote inclusion and place people at the heart of the economy.

A dual commitment for businesses

By investing capitals coming from profit-sharing or incentive schemes into these funds, business owners offer their employees the opportunity to give meaning to their savings. It also represents a powerful act for the company: engaging in a solidarity-based approach, supporting projects rooted in the ground and demonstrating a true commitment to social responsibility.

With such compelling advantages, 90/10 funds have a bright future ahead of them. What if their current success is only the beginning?

All citizens are concerned

These 90/10 funds are not only available to employees with a savings plan but even to individual savers directly through their bank or mutual insurance company via FCPs (mutual funds), SICAVs (open-ended investment companies) or FIPs (local investment funds).

Further reading:

• The French Social Finance 2025 (infographic by Fair)
• 23rd Edition of the Social Impact Finance Barometer by FAIR-La Croix: With over €2 billion in assets, 2024 marks a year of market consolidation for social impact finance, leaving its mark on the French savings landscape. (press release on the Social Impact Finance Barometer)
• The 2025 Solidarity Finance Barometer (in French)

https://vimeo.com/1143884421
https://vimeo.com/1143884398

Faced with uncertainty, saving continues to grow and is becoming a civic act among young people.

Solidarity Finance Week from 10 to 16 November 2025

To mark the Solidarity Finance Week 2025 (10–16 November 2025), France Active and FAIR are publishing the 4th edition of their annual OpinionWay survey, ‘The French and solidarity-based savings’. Against a backdrop of economic and political instability, French people are stepping up their savings efforts and increasingly want their money to contribute to creating benefits for the society and the environment.

• 62% of French people plan to save as much or more in 2026 than in 2025 (+7 points vs. 2024)
• 29% of those concerned say that the pension reform is encouraging them to save more (+15 points)
• 24% say that their savings are primarily intended to finance solidarity projects (+4 pts), including 37% for the Generation Z.
• 37% consider their savings choices to be a form of ‘voting’, 65% for the Generation Z.

The fear of the future is increasingly driving the French to save

Four out of five French people plan to save in 2026 (78% of respondents, +5 points compared to 2025), a record high. Nearly two-thirds of the respondents plan to save as much or more than in 2025 (62%, +7 points).

Surprisingly, this trend is also very strong among 18–24-year-olds: 71% say they want to save as much or more.

The fear of the future is the main reason cited by those who plan to save more in 2026 (50%, +4 points), a trend reinforced by political and economic instability in France.

Similarly, the current context surrounding the pension reform and the resulting uncertainties are driving French people to save even more (29%, +15 points).

In this tense economic climate, nearly 70% of the French people favour short- or medium-term profitability targets: 28% between 0 and 3 years, and 41% between 3 and 8 years (+7 points).

Solidarity savings are gaining ground, driven largely by young people

Despite this widespread concern, one in four French people say that their savings are directed towards financing social and environmental projects (24%, +4 points). This proportion rises to 37% among the Generation Z and 31% among Millennials.
The selection criteria confirm the difference in sensitivity: while capital security remains a priority (53% ‘overall’; 31% ‘first’), social and environmental impact is much more important to young people (28% of 18–24-year-olds cite impact among their criteria, compared to 8% of those aged 50+).
In terms of project types, savers would like to prioritise investing their savings in ecological transition (26%), preserving social ties and reducing inequalities (20%), on a par with the economic development of regions, particularly those located in priority or disadvantaged areas (20%).
Despite this interest, around 2 in 3 French people say they are poorly informed about solidarity-based savings products, returns and projects (65%), hence the importance of continuing and stepping up efforts to educate savers.

Pierre-René Lemas

President of France Active

These results confirm two realities: on the one hand, French people are saving more to protect themselves against uncertainty; on the other hand, they want their money to have meaning. This is precisely France Active’s mission: to enable every saver to become a player in a more socially responsible future by supporting entrepreneurs who are responding to our country’s social and environmental challenges. To achieve this, we are campaigning to ensure that everyone has access to all types of investments, including life insurance, and can thus contribute to solidarity-based savings. We also defend the idea of universal employee saving schemes: currently reserved mainly for large companies, in future they should benefit all employees.

Saving is voting’: a generational reflex

For the first time this year, FAIR, France Active and OpinionWay surveyed French people on their perception of saving as a civic act. The result: 37% are aware that their savings choices have an impact on the future of the society, and that saving is voting, provided that it is invested in socially responsible products.
This belief is particularly strong among the Gen Z (65%) and nearly one in two Millennials (47%).

Patrick Sapy

Chief Executive Officer of FAIR

Savings intentions have never been so high in our country. Young French people have also understood that saving is no longer just about coping with uncertainty, it is about taking action. Today, nearly 40% of them want to give meaning to their money by supporting projects that respond to the challenges of our time – ecological transition, social cohesion, regional development. For them, saving is no longer just an investment, but a tool for building tomorrow’s society.
Solidarity finance has been drawing on this energy for 40 years: every saver has the power to become an agent of change by choosing where to invest his money. Because saving, tomorrow, will also mean voting for the world we want to live in.

Methodology
The survey ‘The French and solidarity-based savings’, conducted for France Active and FAIR by OpinionWay, aims to understand and analyse French people’s opinions on solidarity-based savings investments. This study was conducted among a sample of 1,009 people, representative of the French population aged 18 and over, selected using the quota method based on criteria such as gender, age, socio-professional category, type of urban area and region of residence. The interviews were conducted on 11 and 12 September 2024 using a self-administered online questionnaire on a CAWI (Computer Assisted Web Interview) system.

Any publication, in whole or in part, must include the following full reference:
‘OpinionWay survey for France Active and FAIR’ and no part of the survey may be reproduced without this reference.

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Global Social and Solidarity Economy Forum GSEF Bordeaux 2025

The Global Forum for Social and Solidarity Economy (GSEF) gathers together local governments and civil society from all over the world to make the SSE a driving force for inclusive development. After Seoul, Montreal and Dakar, the Forum will take place at the end of October in Bordeaux.

The GSEF (Global Forum for Social and Solidarity Economy) is an international organisation bringing together local governments and civil society networks to promote the social and solidarity economy (SSE) as a lever for local, inclusive and sustainable development. The network has 84 members coming from 37 countries and gathers local governments, territorial networks and civil society representatives.

Every two years, the GSEF organises a Global Forum on the Social and Solidarity Economy, one of the largest international gatherings in the sector. This year, the latest edition will bring together 4,000 participants from five continents, who will meet in Bordeaux, France, at the end of October 2025.

A space of exchange and commitment

The Global SSE Forum has two objectives:

• To bring together leaders and stakeholders from around the world – elected members, experts, representatives of development agencies, networks and grassroots actors – to jointly devise more humane and sustainable economic models.
  A final declaration will translate these discussions into political commitments and a roadmap for the next two years.

• To encourage the sharing of experiences and ideas from all continents. Designed in collaboration with the Scientific Committee and enriched by numerous contributions, the programme will highlight inspiring initiatives in the social and solidarity economy, through formats that encourage dialogue and diversity of views.

In this context, France Active, the leading funder of SSE in France, will be present with a delegation and will speak:

On 30 October from 11h30 to 12h30, during a round table organised in partnership with Caisse d’Epargne entitled: “Joint financing: a catalyst for cooperation and regional impact”.

Panelists:

• Caisse d’Epargne Aquitaine Poitou Charente
• European Federation of Ethical and Alternative Banks (FEBEA)
• France Active Nouvelle Aquitaine
• Carrefour Insertion Développement Initiatives Locales (CIDIL): an association promoting integration in rural areas, funded by France Active.

A conference moderated by Marie Leclerc-Bruant, Head of SSE at Caisse d’Epargne.

On 30 October from 16h30 to 18h00, FEBEA, of which France Active is a member of the Board of Directors, will represent European ethical finance at the plenary session on SSE financing entitled: “What are the challenges involved in consolidating SSE financing stakeholders?”

Panelists:

• Grameen Foundation – Crédit Agricole, microfinance credit, France
• SVSFund, Korea
• Aéma Group, France
• FEBEA

This plenary session will be moderated by Mr Dominique Lesaffre, Member of the GSEF Advisory Committee.

On 31 October from 10h15 to 11h15, during a round table discussion entitled “Citizen participation and territorial revitalization: towards the co-construction of public policies” with the participation of Margot Aubaret, project manager Fabrique à Initiatives at France Active Nouvelle Aquitaine.

For more information on the GSEF
and the Global SSE Forum

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La Venelle: the temple of the re-use opens its doors in Montreuil

On the 3rd of September, 1,800 m² of shops opened their doors in Montreuil. This project brings together 9 associations willing to promote responsible consumption while offering people excluded from the job market an opportunity to reintegrate it. It is a fine example of cooperation around the re-use sector within the Social and Solidarity Economy, to which France Active is fully committed.

Site internet

On the 3rd of September 2025, 1,800 m² dedicated to re-use opened their doors. 9 shops will offer passers-by the opportunity to consume responsibly while enabling people who are excluded from the job market to return to work. It is not just about sales, as there are also co-repair workshops offered by La Recyclerie Sportive, sewing workshops offered by La Collecterie, and a café-canteen where you can have lunch.

Come to discover the structures present at La Venelle (six of which have benefited from the advisory support and funding of France Active) at 198 Rue Robespierre in Montreuil (Seine-Saint-Denis).Atelier R-ARE creates solid wood objects and furniture from materials recovered during the demolition of buildings. This association, legally recognized as an “atelier chantier d’insertion” , designs and manufactures unique pieces and layouts, making use of wood escaped from landfill. The other materials recovered during demolition are carefully sent to partners specialized in recycling.Emmaüs Coup de Main promotes access to sustainable employment by offering employees personalised social support and a suitable professional environment within its reintegration path. Teams of employees in the reintegration process, supervised by permanent staff, manage daily the 7 “ressourceries” and 3 logistics centres located in eastern Paris. At the same time, the association is developing a specific programme, designed to support families facing precarious situations, aiming to foster reintegration through housing.Emmaüs Défi is an atelier chantier d’insertion whose mission is to support people in extremely precarious situations to find a job, housing and access to healthcare, so that they can find their place in society. In its shop, this organisation proposes second-hand clothing and accessories.Envie sells reconditioned household appliances at reduced prices, takes back old appliances and runs introductory workshops on repairing and on best practices to use and maintain the devices. The equipment is collected and repaired locally in the Île-de-France region, thus promoting short supply chains. The goal is to sell 2,500 appliances per year, which would avoid 125 tonnes of waste.La Collecterie is a Montreuil-based ressourcerie created in 2012 that collects, sorts, repairs and transforms items that would be thrown otherwise to give them a second life. These objects are reintroduced into the cycle of solidarity-based and ethical consumption, while providing people in professional reintegration programmes a chance to work.

A look back at our reportage at La Collecterie: 

https://vimeo.com/1121576745La Ressourcerie Du Spectacle was created in 2014 by entertainment professionals. The project comes out from a clear finding: in the entertainment industry, the equipment is frequently replaced and rarely re-used while others struggle to have access to it. In La Venelle, it offers audio-visual materials, sound, lighting, stage equipment and scenographic elements waiting for a new lease of life, as well as a self-repair area equipped with a toolbox.La Recyclerie Sportive is the first organisation dedicated to restoring and reselling sport equipment and materials. It collects items from individuals and professionals that are resold after repairing or transforming them.Neptune is an actor of the solidarity-based re-use sector located in Montreuil since 1994, working on the professional reintegration of more than 90 employees within its local ressourceries. The association collects, recycles and sells a wide variety of second-hand items, while also running workshops to raise awareness on more responsible consumption. True to its social commitment, Neptune will be opening a solidarity thrift shop at La Venelle.Le REFER, the Île-de-France region’s Re-use Network, brings together social re-use organisations, including ressourceries, recycled goods shops and specialized workshops. Based on a mutualist approach, it supports the growth of initiatives focused on mutual aid, sharing and cooperation to respond to contemporary social and environmental challenges. Advocating for a non-profit and non-competitive vision of re-use, the network now brings together nearly 70 member organisations committed to waste reduction and local solidarity.

You can also enjoy a delicious lunch at Parelle, the cafeteria run by La Collecterie.

France Active supports the circular economy and the post-first-life sector

France Active’s objective is to structure solidarity-based sectors, from collection and sorting to re-use, in order to increase the volumes of materials and objects processed. This approach also aims to preserve the value created for the benefit of local areas by supporting the local economy and the development of local employment.
To achieve this, France Active supports industrial business models that do not create waste, activities that promote repair and re-use, and solutions for waste recycling.
France Active invests to support the growth of organisations in this sector by financing the development of their volumes, their cooperation and their integration into the value chain. At the same time, it facilitates their access to the market and to a wider customer base, thereby contributing to a more inclusive, local and sustainable economy.

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When citizens give meaning to their savings

How savers position themselves

A major contribution to France Active’s investment activity, solidarity-based savings could be further developed as part of our fellow citizens’ investment solutions. What vision do the French have of savings? What purpose do they want it to serve ?

France Active has gone out to meet them and given them the chance to have their say. According to the latest France Active Fair barometer, one French person in five (20%) would like to see solidarity-based savings, combining financial profitability where possible with a contribution to general interest projects, a figure that rises to 30% among 25-34 year-old.

Take a look at what savers have to say on video.

What role would you like your savings to play?

‘People’s mindsets are changing, and there’s a growing desire to see savings as something meaningful’ expresses a saver in this video.

https://vimeo.com/1106419751

Do you think your savings can have an impact close to home?

‘Savings can have an effect on my area, it can benefit local businesses or associations […] our savings can have an effect on a local scale’, says another saver.

https://vimeo.com/1106419785

People want to save so that social and ecological projects can be developed close to home or anywhere in France to serve the local community and the common good. To find out more, visit the website of our partner Fair.

Despite these positive testimonies about solidarity savings, the 2024 barometer ‘The French and solidarity savings’ carried out by Opinionway for France Active and Fair in October 2024 shows that almost 70% of French people say they are poorly informed about this type of savings, whether in terms of how it works, its aims, the products on offer or the players who manage it.

With France Active, a different kind of savings is possible

Thanks to solidarity-based savings, citizens can use their money to finance projects with a strong social and ecological impact as close to home as possible, which really meet the needs of their area.

Where can I invest my money in solidarity savings products?

• Via your bank or insurance company, by choosing solidarity savings products. Simply contact your banker/insurer for more information.
• Via your company, by directing your employee savings towards solidarity funds. You can find more information on the Fair website.

And what about France Active?

Once your savings have been entrusted to an investment institution (not on a short-term basis here), they are invested in a ‘90/10’ fund.

90% of funds are channelled into the financial markets (Socially Responsible Investment)

5 to 10% of savings are channelled into socially responsible investment companies such as France Active.

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Solidarity savings allow your money to grow while helping to tackle the challenges facing our society: ecological transition, employment, social innovation and regional development, etc. 

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Accès +: the enhanced support programme for the most fragile entrepreneurs

Since 2021, France Active has continued its support for the most fragile entrepreneurs, via its dedicated Accès+ programme.

Supported by the Ministry of Labour through the Inclusion through Self-Employment call for projects, Accès+ has helped to support more than 6,800 entrepreneurs since the programme was launched in 2021.

Half of the beneficiaries are women and the average age of the entrepreneurs is 33.

The programme includes webinars, workshops and games on four main themes:

• financial education,
• digital awareness,
• protecting entrepreneurs and securing their business,
• impact awareness

To amplify this support, France Active also relies on strengthened partnerships with banks, in conjunction with the French Banking Federation and Accès+ operators, in particular La Ruche.

France Active has also enhanced its support offer with a webinar designed to provide the keys to starting up a business with peace of mind and to understand the various procedures in partnership with URSSAF.

This programme could continue over time, thanks to renewed support from the Ministry of Labour.

She benefited from it

Léa Caron – Creator of “Le Clos fleuri”

After some experience in retail, Léa Caron became passionate about the profession of florist. At the age of 22, she decided to take over a shop in the heart of a small town in the Ain department: Nantua (a town that benefits from the ‘Small town of tomorrow’ regeneration programme run by the French Agency for Territorial Cohesion).

Read the full story here

He supported her

Franklin Witham – Advisor at France Active Ain, head of the Haut-Bugey branch

“Léa Caron was referred to us by her chartered accountant, her lawyer and her banker. She was in great need of support and funding. She’s very young and had very little professional experience before taking the plunge. We helped her through the Accès + programme, and she received the Accès + grant as well as a FAPE EDF grant and, of course, a guarantee. The bank would not have taken her on without our support.
For the beneficiaries of this programme, we offer enhanced support with a meeting at 3 months and a meeting 6 months after the start-up. And the ‘Managing your cash flow’ workshop made all the difference in terms of monitoring her business. We’ve also set up a mentoring system for her with one of our volunteers, a former director of an employment cooperative.”

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Female entrepreneurship: study, key figures and inspiring stories

Focus on 3 stories of female entrepreneurs who defy preconceived ideas

Despite an uncertain economic environment, entrepreneurship is attracting many women who feel that being their own boss is more motivating than being an employee. If they take the plunge into entrepreneurship, the majority do so to put a personal idea into practice (57%) and to give meaning to their lives (56%).

Key figures on female entrepreneurship in 2025

The study reveals that 20% of women want to start their own business. However, compared with the previous year, the desire to start a business is down by 6% among women, while it remains stable among men.

Main motivations for women entrepreneurs

• 57% want to turn a personal idea into reality (+10% compared to 2024)
• 56% want to give meaning to their professional lives (+12% compared to 2024)
• Men, on the other hand, are more motivated by financial gain

Obstacles to female entrepreneurship

The obstacles identified by women are

• Lack of start-up capital (45%)
• Incompatibility with family life (33%)
• Complex administrative procedures (45%)

Solutions to encourage female entrepreneurship

The women surveyed believe that to encourage female entrepreneurship, it is necessary to :

• Simplify administrative procedures and reduce regulatory obstacles (48%)
• Set up schemes to reconcile professional and personal life (45%)
• Better sharing of family tasks (42%)

France Active support for female entrepreneurs

To support female entrepreneurs, France Active has set up a specific guarantee enabling them to borrow without a personal guarantee. This guarantee is offered as part of a wider support package for women entrepreneurs. In addition, support programmes and meetings specifically for women are organised in most regions.

3 examples of women who have developed their projects in rural areas, thanks to the investment :

Clémence Ducroquet-Talleu: a booming dairy cooperative

Director of the dairy cooperative “Lait Prairies du Boulonnais”, Clémence Ducroquet-Talleu has brought together seven farms to pool their resources. This cooperative enables them to share equipment for collecting, pasteurising and processing dairy products.

Her model is working: sales are increasing by 20% a year, and her customers range from supermarkets to hotels and schools.

Sandra GRENTZINGER, Director of the Marpa de la Doller

Located in Sentheim, a town of 1,600 inhabitants in the heart of Alsace, this home for independent living (Marpa) has a maximum capacity of 25 residents. Average age: 87. All have their own private flat (40 m2 T1bis for singles and 50 m2 T2 for couples), with the option of sharing meals together and taking advantage of the communal areas, as well as socialising and taking part in activities. The aim is to enable everyone to participate in the life of the home. They can give their opinion on the week’s menu or the programme of activities, lend a hand with cooking or preparing the table… It’s a real home from home, where everyone’s abilities are valued and their sense of usefulness is boosted! And it’s all run by one woman, Sandra Grentzinger, who cares about everyone’s well-being.

Natacha Kancel, Drain’ailes project manager

Natacha Kancel has set up her Drain’ailes back-to-work workshop in Sainte-Rose, north of Basse-Terre in Guadeloupe, a town often cited for its unemployment and crime rate. On this farm, she employs a dozen women, mostly single mothers, in three activities: agroforestry (cocoa, vanilla, coffee, etc.), permaculture organic farming (market gardening, fruit trees, etc.) and agro-processing (sauces, seasonings, juices, etc.). Drain’ailes is the first association in Guadeloupe to benefit from a interest-free loan.
This tool provides an accessible solution and real leverage for associations that often have difficulty accessing bank loans. France Active is co-financing up to 70% of the needs, alongside the Banque des Territoires, the Region and the Department. Natacha Kancel wanted to create this place of integration for women and by women through the memory of her grandmother, who provided for the family by cultivating the land.

Women’s entrepreneurship is booming, despite persistent obstacles. With support schemes like those offered by France Active, more and more women are daring to take the plunge and give life to their projects. The inspiring stories of Clémence, Sandra and Natacha show that it is possible to succeed, even in sectors and territories that have been little explored by women.

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Event: a new look at solidarity-based savings

When savers get involved in transforming our economy.

On 5 December last year, France Active invited financial players to change the way they look at solidarity-based savings on the 1st anniversary of Actifs Solidaires, an initiative aimed at making investment accessible to voluntary sector managers and Social Economy companies. The aim of the event is to demonstrate how citizen savings respond to local social and ecological challenges through socially responsible investment. Discover the programme and replay of this evening event, which took place at the Maison de la Conversation in Paris.

>> From savings to solidarity-based investment :

In recent years, social and environmental needs have become increasingly pressing. At the same time, the economic models of associations and Social Economy companies have come under pressure (increasing number of beneficiaries, inflation, falling subsidies, public calls for projects, etc.). Against this backdrop, France Active has launched a programme to encourage these structures to invest in order to bounce back, cross thresholds and further develop their social utility. This initiative, called Actifs Solidaires, is celebrating its 1st year.

How are these socially useful projects financed? Through socially responsible citizen savings! To help finance projects run by associations and Social Economy companies, France Active invests French people’s solidarity savings. These savings are little-known (France Active-Fair survey by OpinionWay), even though the French are the biggest savers in Europe. Yet this survey shows that if they knew about solidarity-based savings, they would be in favour of it, because it meets their expectations, both in terms of its social and ecological impact and its level of profitability over the medium and long term.

>> Event of the 5th December in Paris

At this event, France Active looked again at the concerns of savers to demonstrate how solidarity-based savings responds to them and how it helps to finance associations and companies in the Social Economy.

• How does solidarity-based savings transform the economy?
• How does it help to support sustainable projects with strong potential for social innovation?
• How does solidarity financing provide a strong territorial base and a collective dimension to the development of these territories?

These will be the 3 themes addressed during the evening.

You can activate the subtitles in the setting of the video

>> Programme:

17:00 – Opening by Pierre-René Lemas, Chairman of France Active

Talkshow with investment players:

• Laurence Laplane-Rigal, Amundi
• and Cédric Renaud, Caisse d’Épargne

Entrepreneurs:

• The directors of Protectus, Les Alchimistes
• and Jardins de la voie romaine

Social Economy and solidarity-based savings players:

• Marion Le Cam, Fédération Nationale de l’Offre de services de la MSA
• and Éric Larpin, Label Finansol

Talkshow hosted by Sébastien Borgnat, former LCI morning show journalist.

To close the event, Pierre-René Lemas called for solidarity-based savings schemes to be made universally available, giving employees of SMEs and large groups alike access to this type of savings. This will enable the associations and Social Economy companies that benefit from them to expand their activities.

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2025, a socially committed year

Pierre-René LEMAS

Président of France Active

Bold, resilient, militant and socially committed, the entrepreneurs we support inspire us. In the new year, they will show us just how necessary it is to mobilise if we want to move our society towards greater inclusion, greater ecology and greater solidarity.

Despite all the economic, social and political uncertainties we are experiencing, and to combat the inward-looking attitudes that could take hold of us all, we must act at every level to put back at the heart of all our exchanges the great principles of solidarity that underpin our way of living together. Transforming our economy, an ambition that we have held dear since the beginning of our history, is one of the possible responses to the various crises we are experiencing. In the New Year, I hope that financial players, public decision-makers and businesses will become more involved in this long-awaited transformation. I also hope that citizens will regain the power to act on the major challenges we face.

More and more entrepreneurs will be able to put the issues of employment, social cohesion, ecology and democratic governance at the heart of their projects throughout the world.

A very happy and socially committed year to you all.

https://vimeo.com/1038901225

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