French social businesses get €400 million boost with EIF support


EIF signs two accords with France Active to unlock more funding for social enterprises.

The European Investment Fund (EIF) will facilitate a total of €400 million in business support by France Active, a leading financier of socially committed French firms. The EIF is guaranteeing France Active investments in social enterprises to the tune of €45 million and counter-guaranteeing €355 million of bank loans by its unit France Active Garantie to entrepreneurs with limited access to financing.

As a result, France Active will aim to double the number of beneficiary companies to 1,000 by end-2027, increasing annual support to €90 million, and France Active Garantie will expand its activities by 50% over the same period. This will lead to more than 10,000 companies benefiting from bank-loan guarantees valued at €300 million a year.”The involvement of Europe – and of the EIF in particular – is essential to the work of France Active,” said Chairman Pierre-René Lemas. “It enables us to carry out our associative project by mobilising public and private funds, banks and management companies for the benefit of fragile entrepreneurs and projects that place social utility at the heart of their model. Supporting our role as guarantor and investor, the EIF provides us with long-term support, which in turn contributes to the development of a more socially responsible economy in all regions.”The EIF backing results from a guarantee provided through the InvestEU programme, which supports more than €372 billion in investments towards EU policy priorities through 2027.

“Supporting the lending capacity of microenterprises and social enterprises is very important for maintaining job creation and activity in structures essential to social cohesion in France and throughout Europe,” said Fayolle. “Through these two agreements, the EIB Group is delighted to be able to strengthen its long-term relationship with France Active Garantie and France Active, which play an essential role in supporting and developing social entrepreneurship in France”.

Social enterprises supported by France Active through EIF and InvestEU guarantees include the Iron Academy, an association called Le Recho that supports exiled people in France and food supplier Shape-Eat, representatives of which attended the signing ceremony.

“European instruments for microfinance and social enterprises are effective in improving access to financial resources for economic players who need them most,” said EIF Chief Executive Officer Marjut Falkstedt. “This is why the EIF is renewing its collaboration with France Active Garantie and France Active Investissement to strengthen our ability to serve the social finance sector in France.”

European Commissioner for Employment and Social Rights Nicolas Schmit stressed the role of InvestEU.”InvestEU provides essential support for social enterprises across Europe,” Schmit said. “This new financial agreement will be a catalyst for some 10,000 enterprises operating in France, improving their access to financing. This will help create new jobs and contribute to strengthening the social and solidarity economy, which is a priority for the European Union, while reinforcing social and territorial cohesion.”Following are the names of the leading representatives of the Iron Academy, Le Recho and Shape-Eat and summaries of the three organisations:

Françoise Candier, director of the Iron Academy

The Iron Academy is a production school located in Stains, Seine-Saint-Denis. It trains young people who have left school without a diploma in the metal trades (CAP Métallier). The two-year course is based on a “doing to learn” approach. Supported by a public-interest association, the production school gives young people a new chance by training them in jobs that are in short supply.

France Active has invested €150,000 alongside Banque des Territoires.

Vanessa Krycève, founder of Le Recho

Le Recho is an association founded in 2016 to support exiled people in France and Europe with dignity. In order to change the way these people are looked at, the association chooses the medium of cuisine based on the principle that it is a unifying language, a driving force for inclusion and solidarity. Le Recho offers a catering service and provides meals for the Ball in Paris’s 18th arrondissement, in addition to all its food-related activities.
France Active invested €30,000 and guaranteed a €60,000 loan from the Nef banking cooperative, up to 65%.

Ananth Purushothaman, founder of Shape-Eat

Ananth Purushothaman created Shape-Eat. He benefitted from the Accès + program: a €3,000 bonus and enhanced support set up as part of the government’s scheme for inclusion through self-employment (Ministry of Labor). He set up his business in the heart of a priority district in Saint-Ouenand offers food products for athletes.

France Active guaranteed 80% of a €60,000 loan from the Caisse d’Epargne Ile de France and granted a €24,000 loan.

About the European Investment Fund

The European Investment Fund, part of the European Investment Bank (EIB) Group, designs and implements financial instruments that enable banks and funds (financial intermediaries) to better serve SMEs. It supports European SMEs by improving their access to financing through a wide range of selected financial intermediaries. Its work with France Active is part of the InvestEU program, which aims to give a further boost to sustainable investment, innovation, social inclusion and job creation in Europe.

About InvestEU


The InvestEU programme provides the European Union with crucial long-term financing, mobilizing substantial private and public funds for a sustainable recovery. It also helps mobilize private investment for the European Union’s political priorities, such as the European Green Deal and the digital transition. The InvestEU program brings together under one roof the various EU financial instruments currently available to support investment in the European Union, making the financing of investment projects in Europe simpler, more efficient and more flexible. The program consists of three elements: the InvestEU Fund, the InvestEU Advisory Centre and the InvestEU Portal. The InvestEU fund is implemented by financial partners who will invest in projects using the EU budget guarantee of €26.2 billion. The entire budget guarantee will support the investment projects of the implementing partners, increasing their risk-bearing capacity and thus mobilizing at least €372 billion in additional investment.

France Active, the movement of committed entrepreneurs


France Active enables every entrepreneur to get involved in a project with a positive impact. Setting up a business and getting involved in the local community, giving meaning to your project and transforming society: that’s the challenge facing committed entrepreneurs. France Active and its 35 regional associations are there to advise them on their financing projects and give them access to a unique network of economic and social players. With its 2 finance companies, France Active supports more than 36,000 entrepreneurs. The movement mobilized 485 million euros in 2023. Every day, France Active works to develop a more inclusive and sustainable economy. Last year, businesses supported by France Active created or consolidated more than 67,000 jobs.

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Mobilizing investment to meet social and ecological challenges



France Active’s “Actifs Solidaires” initiative is designed to give all associations and social economy companies the opportunity to invest.
Much more than a new financial offering, it’s a whole approach that France Active is initiating to mobilize all its partners.
The ambition is to enable all players to consolidate their mission of social utility and to think about the future in response to social and ecological emergencies.
Here’s an update on this initiative and on the first Actifs Solidaires meetings in Paris and the regions.

https://vimeo.com/905266735?share=copy

The logic behind Actifs Solidaires is to develop the access to investment for social and solidarity based companies and non-profit organizations so they can project themselves into the future.

This approach, supported by France Active, mobilizes both its partners committed to its associative project and Social Economy leaders. It demonstrates that finance, by mobilizing the savings of citizens, is able to invest in projects whose primary expected return on investment is about their social utility.

Actifs Solidaires are men and women who, on a day-to-day basis, carry out projects based on job creation, ecology, regional development and social cohesion within a framework of democratic governance.

Actifs Solidaires also provides the financial resources to enable these players to focus on the social and solidarity-based dimension of their projects. Actifs Solidaires mobilizes all the teams at France Active and its partners, who are convinced that they are working together to serve committed entrepreneurs.

Actifs Solidaires is a new way of raising awareness of the challenges of investment among the leaders of the social economy, and of supporting them in the face of ecological, societal and digital transformations.

Finally, Actifs Solidaires is France Active’s ambition to double the number of non-profit organizations and socail economy companies it supports by 2027.


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Actifs Solidaires initiative launched across France

A launch in Paris

The first step in this process was a conference held on September 28 at Césure in Paris.

The theme of the evening was “Mobilizing finance to meet social and ecological challenges: the new deal for socially responsible investment”.

How can committed entrepreneurs respond to the profound changes in our modes of production, consumption and way of life? How can solidarity finance provide new answers to their needs?

Solidarity investors, committed entrepreneurs and France Active partners were all present to discuss the issues.

And here’s the best of them.

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New year wishes 2024



Pierre-René LEMAS

Chairman of France Active

The socio-economic context and the growing importance of climate change issues reinforce what connects us: the deep desire to transform our society through economic development that is compatible with the future of generations to come, and oriented to the inclusion of all.

The various crises we are experiencing can only lead us to take even more action. Returning to the fundamentals that drive us is the dearest wish for this new year that I express on behalf of France Active, its teams, employees and volunteers.

And it’s in the values of the Social Economy that we must refound our action. Every day, the thousands of entrepreneurs we support demonstrate that it is possible to reconcile economic development with social commitment. It’s a commitment that is built locally around issues of employment, ecology and social cohesion, within a framework of democratic governance.

Acting for a more social economy means betting on the future. A collective gamble that concerns us all.

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A second chance for childcare equipment

Séverine INKERMAN

CEO and co-founder of Tikoantik

Advise and sales of reconditioned childcare equipment

Every year, millions of new items of childcare equipment are bought in France. Most of these come from Asia. Séverine Inkerman wanted to offer a fair and sustainable alternative, releasing cleaned and inspected equipment back into the circuit at a reasonable price.

Lorient (Brittany)
Advise and sales of reconditioned childcare equipment

Every year, millions of new items of childcare equipment are bought in France. Most of these come from Asia. Séverine Inkerman wanted to offer a fair and sustainable alternative, releasing cleaned and inspected equipment back into the circuit at a reasonable price.The idea is simple: future parents come for a meetingto help identify their needs in terms of equipment for their new baby. Using Tikoantik’s list, they can buy this equipment from the website and get the items sent directly to their home.The idea for this company came in 2021, at the peak of the Covid 19 pandemic. A small group of parents, interested by the circular economy, came together to think of an alternative to buying new childcare equipment. Especially when the first child arrives, parents need advice, quality control, and guarantees. This is what Tikoantik offers.With this project, Séverine Inkerman wanted to build a real local ecosystem, based on a social and community-oriented economy: she works with Esat Alter Ego to clean the equipment, and with the professional reintegration company Book Hémisphères for logistics and product shipping. Their items are intended for parents and for childcare professionals (such as nursery managers, for example).At the same time, Tikoantik is working to help people change their behaviour, using awareness workshops and events to help parents become more environmentally aware.To get this project off the ground, Séverine Inkerman received support from France Active as part of the Emergence Space package. “The most precious thing we got from France Active was their benevolent yet demanding perspective on our project”, she tells us.

Web site

Has received

a guarantee of

33 000€

from the “Place de l’émergence” programme

10 000€

Was supported by

France Active Bretagne

And supported by

Caisse des Dépôts

In 2022

It’s here !

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Ô filles de l’eau: a mobile fishmongers, helping protect and preserve French fisheries

Laurie DUÉE and Susie BATALLA

Co-founders of Ô filles de l’eau

Mobile fishmongers in and around Reims

Opening a fishmongers was my dream, and the Accès+ programme allowed up to access a bank guarantee and a grant , which really gave us the boost we needed to get off the ground.

Reims (Marne)
A mobile fishmongers

Ô filles de l’eau is the result of two entrepreneurs coming together: Laurie and Susie.

Laurie is 24, and is passionate about fish. She started working at the fishmarket with her father at the age of 16, while she was still at school. It gradually became clear that this would be her career. She took her exams to become an apprentice fishmonger and got valuable work experience in supermarkets and restaurants. For greater independence, to promote sustainable fishing, and to be able to choose the products she sells, she decided to start up a mobile fishmongers.

It was at this point that she met Susie. She was helping her mother, who had just switched jobs to become an organic market gardener. At 29 years old, Susie had been working in corporate management and human resources in a few different companies, but wasn’t enjoying her work.It was only natural that they pooled their skills to found “Ô filles de l’eau”, a mobile fishmongers that visited various communes around Reims. They also offer catering services, providing an “oyster bar” service for weddings and corporate events. Lastly, they sell monthly fish baskets and are starting to provide home deliveries.They want to bring a fresh new image to the fishmonger’s trade: dynamic, young, feminine, and in support of certified, labelled French fish.

They discovered France Active when they started up their project, recommended by a friend and the banks that they spoke to. “The Accès+ grant from France Active gave us a little more cash to help launch our project, the cashflow training made us more comfortable managing the company, and the bank guarantee was a real push in the right direction. Without this guarantee, we might not have had our loan.”

They are open from Tuesday to Saturday in the markets in and around Reims, offering their products for a year now. New projects are already in the pipeline, in particular sharing their expertise by taking on an apprentice, and even one day getting a workshop so they can develop new products and expand their range.
Focus on the Inclusion Programme for Independent Workers:
In March 2021, France Active responded to a call for project launched by the Ministry for Work, Jobs, and Integration. France Active took the opportunity to enhance their Creation Pact with new support modules for the most vulnerable entrepreneurs, based around 4 key themes:

  • Financial education (managing cashflow, maintaining good relations with your bank, dashboards and management tools, crowdfunding, and financial analysis and management),
  • Protection and security (risk prevention, social and legal protection, civil liability, cyber-risks),
  • Digital awareness (finding new clients, building a brand, etc.),
  • Awareness of the commitments that come with building a business.

And, for young people from 18 to 30 years old, a €3,000 grant.

Web site

Have received

a guarantee of

28 000€

a bonus of

3 000€

Was supported by

France Active Champagne Ardenne

In 2022

It’s here !

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Investing to meet social and ecological challenges


A look back at France Active’s annual general meetings.

A major event in the institutional life of France Active, the general meetings of the association and its two financial guarantee and investment companies were held on May 31 at La Recyclerie in Paris. It was an opportunity for the associative movement to review the past year and look ahead to the years to come. The major decision of the General Meeting was the vote by the directors on the network’s development plan. To meet the social and ecological challenges facing an increasing number of entrepreneurs, France Active aims to double its solidarity investor activity and increase its guarantor activity by 50% by 2027. The general meetings of France Active’s entities on May 31 approved the raising of three new funds: 10 million euros for the national association, 10 million euros for its guarantee company, and 200 million euros for its investment company. The first concrete result of these fund-raisings is the new solidarity investment offer, which will be deployed from next September. It will enable social non-profit organizations and companies to meet unmet investment needs. Whether they are encountering difficulties in sustaining their economic model, or wish to respond to new opportunities, they need specific support for their development, and appropriate financing. France Active’s financing offer provides solutions for entrepreneurs at every stage of their project’s life cycle.

France Active Garantie: securing entrepreneurial paths

At the France Active Garantie General Meeting, Dominique Pillon-Godart and Kevin Fournaux from France Active Picardie spoke about the deployment of the Accès+ program in Picardy. Among other things, they talked about the implementation of an educational strategy for beneficiaries, designed to desecrate the relationship with the bank. The aim is to bring project owners and their bankers closer together, so that they can access the guarantee as early as possible in the life of a project. In Picardie, France Active has proudly achieved its Accès+ objectives, thanks to webinars tailored to the needs of beneficiaries and co-constructed with the national association.

France Active Investissement: investing in social benefits

France Active Investissement’s Annual General Meeting was an opportunity for Yesil Rusconi, Director of France Active Ile-de-France, to present a project supported in close collaboration with ADEME (the French Agency for Ecological Transition). She underlined the strong complementariry of the two networks in their support for the company “Le pav鮓. This company reconciles social and environmental concerns. It produces building materials in panel format using plastic waste on a territorial industrial scale, in line with local needs and available resources. The company, created in 2018, was supported from the beginning by France Active and ADEME and again when it scaled up a year ago. The first plant, based in Aubervilliers, employs people on integration schemes in collaboration with ARES (a social insertion association), and recycles 300 tonnes of waste annually. A second plant is currently being developed in Burgundy, at Chalon-sur-Saône.

France Active: connecting solidarity forces

After sharing the association’s main results and validating the annual accounts, the focus was on “Territoire de solutions“, a collaboration and incubation experiment carried out in the “Seine Eure” region, aimed at helping entrepreneurial solutions emerge or accelerate in response to identified social and environmental challenges.

Benoit Rugel, Director of France Active Normandie, Claire Leclerc, Director of SocialCobizz and Pierre Hourcourigaray, Director of l’Adress came to testify.

They showed how, by acting collectively and involving citizens as well as local players, they have been able to support project leaders wishing to create in the social and solidarity economy. This approach enables them to help them formalize, structure and turn their entrepreneurial ideas into reality. They were then joined by Lynda Lahalle, Social Economy delegate and vice-president of the Normandy region’s economic development commission, who presented the ‘Super incubator’, the territorial social economy hub piloted by the region.

Round table: social challenges, ecological challenges, what kind of citizen ownership of the economy?

  • Claire Thoury, President of Mouvement Associatif, gave a sociologist’s view of how citizens, through associations, are taking up this issue.
  • Anne-Catherine Husson-Traore, general director of Novethic, the sustainable transformation accelerator of the Caisse des Dépôts Group. As a former journalist, she shares her knowledge of the major transformations of the financial sector and sustainable finance in particular.
  • Pierre-René Lemas, president of France Active.

Pierre-René Lemas opens the debate as follows: “This afternoon, we collectively decided to take a step forward. France Active is more than 30 years old, initially founded around social and solidarity values, the association was able to add the ecological dimension. France Active is well aware that social and ecological aspects go hand in hand together.
Today we have defined our five-year horizon: doubling our investment activity and increasing our guarantee activity by 50%. We are equipping ourselves with new resources to this end. Our objective remains the same: to use finance as leverage to develop the Social Economy and enable those who are furthest from employment to create their businesses.”

Claire Thoury continues: “France Active is an activist organization, it uses the codes of traditional classical economics to transform society.
I call on the Social Economy to do the same, to repoliticize itself. We depoliticized it and forgot why we were together. What are our common goals? And what sacrifices are we willing to make to achieve them? The economic dimension has taken too much precedence over the political dimension.
Let us bring together the imperatives of social justice and the imperatives of ecological transition, while integrating an essential pillar that is democracy in order to allow citizens to get involved.”

Anne-Catherine Husson-Traore adds: “Faced with the gigantism of the challenges that await us here and now, re-politicization is obviously necessary.
It is essential to put in place a sustainable economic, social and ecological model because today it is not the case. Faced with global problems, we need global solutions, and finance is one of the solutions. We need to bring social aspiration, citizenship and finance together.”

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Crafting local beer in Guyana

Guylene CONSTABLE

Founder and president of the Brasserie de l’Ouest Guyanais

Crafting local beer

My project came together really well, thanks to the support I got! Charline Nazaret, an adviser from France Active Guyane, didn’t just ask me to fill in a form. She guided me through the process and told me what people actually expected of me.

Mana, Guyana
Crafting local beer

The Brasserie de l’Ouest Guyanais makes craft beer using local products (only the malt, yeast, and hops, which are not produced in Guyana, are imported). They currently market two types of beer: a citrus-based lager and a darker beer with hibiscus flowers and ginger. Their beers are available on tap and in 75cl bottles. The brewery recycles champagne bottles, reusing them for their beers.

They also collect the spent grains (the remaining malt residue once the beer has been brewed) to make flour, which they sell. You can use this to make cookies, crackers, and other baked goods – “we put together a collection of recipes that we give our customers alongside the flour. We try to recycle as much as possible. It would be great to reach zero waste!” says Guylene Constable, founder and president of the brewery.

From advertising photographer to adult educator, teacher at the University of Guyana to e-learning project manager, Guylene Constable has known many different careers. The seed for this first project was planted in 2015, but it wasn’t until 2022 that it really took root. Her partner’s cousin is a master brewer in Belgium. Her first idea was to sell Belgian beer in Guyana, but a cost study revealed that there just wouldn’t be enough of a market and “it would end up too expensive”. With support from her friends and family, she decided to make her own beer and distribute it.

“My project came together really well, thanks to the support I got! Charline Nazaret, an adviser from France Active Guyane, didn’t just ask me to fill in a form. She guided me through the process and told me what people actually expected of me. Putting together an application file for a local authority isn’t the same as doing it for France Active. They really supported me, and the project has been a success.
I get a loan from Crédit Agricole, a guarantee from France Active, and support from the European LEADER programme. ”

She had to overcome a number of obstacles when she started up her business, not least an increase in prices. “During Covid, there was no production at all. When everybody got back to work however, it was difficult to find somewhere to brew. The one I’d chosen was only available in ten months, and I needed it in two. I had to change strategy, but this ended up being more expensive. What’s more, maritime freight costs had doubled! Little by little, I opened up new client opportunities: I was at the Salon de l’Agriculture, I was selected for the Made in France trade show, I’ll start selling beer in two Carrefour Contact in Guyana and a Mercure Hotel in Cayenne. I’ve made headway overseas too.
Also, we’re working on a new recipe. We’re going to run tests with restaurant clients in a few weeks.
It’s still early, but the results so far have been positive! And when things aren’t going so well, I’ve got my partner to help pick me back up. ”

Any advice for entrepreneurs?
“You need to hang on and be patient. One of the qualities you need to be an entrepreneur is tenacity. You also need to be able to take a step back and listen to your consumers. ”

Have received

a guarantee of

43 600€

Was supported by

France Active in Guyana

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Scop Ti: restoring the local herb and aromatic plant industry

Olivier LEBERQUIER

President of the Scop Ti administrative council

Flavoured teas and infusions, made in France

For us it was essential to place people who have fought for this factory at the heart of this new project.

Gémenos (Bouches du Rhône)
Flavoured teas and infusions, made in France

Olivier Leberquier joined Fralib at the beginning of his working life. He worked as a maintenance technician until the Le Havre site closed, leading to an 18-month conflict. 152 employees were offered an equal or better position in Gémenos, in the south of France. They fought to find someone to take over the Le Havre site, but they only came two years after it closed. They took on too few workers, and got the site for a symbolic one franc.
52 people accepted Unilever’s offer to go and work in Géménos. The company “sold” these employees the idea that this was the European flavoured tea factory, providing tea for the whole of Western Europe. They would have a job until they retired.This relied on two major technical elements within the factory: the cutting line and natural flavouring.
In 1998, they decided to shut down the cutting line, and in 2000 the natural flavouring department.

In September 2010, they announced that the site would close.
The main priority was to save the factory’s jobs: “We wouldn’t have closed the door on a company willing to preserve our jobs and our industrial tools. We worked on an alternative solution, supported by a number of partners: our experts, local authorities, regional authorities… We had a few options: a takeover, a SCOP (Participatory Cooperative), or a SCIC (Collective Interest Cooperative), based on the idea that the local identity was one of the main strengths of the project (one of the main parts is the re-establishment of herb farming in our region). In the end, we opted for the SCOP.
Scop Ti, in particular with the “1336” brand (the number of days we fought with Unilever), has restored the herb farming industry to the local area. During our struggles, Scop Ti tested the possibility of sourcing linden from the Drôme. It is grown locally, dried by local producers, and then packaged by Scop Ti. Olivier Leberquier explains: “in comparison, Eléphant brand linden comes from Latin America, is unloaded in the port of Antwerp, is sent to Germany to be cut and flavoured, is packaged in Poland and then sold in France, as it is only used by French consumers. This is a disaster for the environment. Here at Scop Ti, all our organic infusions are made in France.

Olivier Leberquier continues: “the fight against Unilever lasted for 4 years, and 76 employees stuck it out to the end. We used this time to fine-tune our project: the democratic basis of the company, the funds… We put people at the heart of this company project. They are all part of the new team – even if it wasn’t necessarily the best thing from a financial point of view, we couldn’t imagine doing it any other way.
France Active supported us via a number of DLA initiatives (local support initiatives): initially, when we hit the first obstacles, and still today, as we are looking to buy land with partners and create a space dedicated to ESS (a social and community-based economy).”


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support from

DLA

Was supported by

France Active Provence Alpes Côte d’Azur

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Reconciling family and professional life with creating a business

Andi MALANDA

Founder of Super Food Africa

African grocery store

The France Active advisor gave me what I was missing: a listening ear and the possibility of a guarantee.

Nantes (Pays de la Loire)
African grocery store

From idea to reality

Right now is a great time for professional retraining. It was both the desire for change and necessity that drove Andi Malanda, 35, to open an African grocery shop in Nantes last summer: “I was convinced that this type of shop, which was lacking in the Saint Joseph district, could be successful. I started thinking about it six years ago, when I saw the example of another local shop”. At the time, this mother of 4 children was still providing home care services, after having been a hospital worker for 8 years. In the little time she had left between family and professional life, she launched her own market study to research and assess the customer base for tropical products in the Saint Joseph district, where she herself moved in 2019.

Setting up the project

Her first budget forecast indicated that the project could work. But finding premises was more problematic. It took her almost three years.. “I started prospecting, but at the same time I didn’t have a bank to finance the premises”, explains Andi Malanda. As I was in contact with the Maison de la création in Nantes, I managed to set up an appointment with France Active. The advisor gave me what I was missing: a listening ear and the possibility of a guarantee. As my family provided me with capital, a bank finally approved my file and at the same time I found premises. ”

Opening the shop

Super Food Africa opened its doors in October, after works to ensure it was compliant with regulatory standards, financed by a loan guaranteed by France Active, as part of the Accès + programme*. And as Andi Malanda’s intuition predicted, customers flock to her shop for products that they can’t find elsewhere, products from the Congo, where she is originally from, and from other African countries: cassava leaves, chillies, palm oil. The food comes from wholesalers or other grocery shops in the Paris area. She also relies on African diaspora festivals to develop the activity. But the St. Joseph’s district alone, with its new housing offer, guarantees business opportunities for Super Food Africa. The store also has the advantage of being a 5-minute walk from her own home so she is still available for her children.

Focus on the Inclusion through Self-Employment programme:

In March 2021, France Active responded to a call for projects launched by the French Ministry of Labour, Employment and Integration. On this occasion, France Active extended its Creation Pact with new support modules for the most fragile entrepreneurs, focussing on 4 themes:

  • financial education (managing cash flow, managing relations with your banker, management charts and tools, crowdfunding and financial analysis and management),
  • protection and security (risk prevention, social and legal protection, civil liability, cyber risks)
  • digital awareness (for prospecting, brand awareness, etc.),
  • awareness of commitment.

And for young people aged 18 to 30, a bonus of €3,000.

Has benefited

from two guarantees for a total amount of

8 000€

Was supported by

France Active Pays de la Loire

In 2022

It’s here !

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