In the face of today’s social and environmental challenges, France Active is committed to a solidarity-based economy, rooted in the realities of local communities and their inhabitants, to ensure a sustainable future for generations to come. Since 2015, this commitment has guided our work: we empower entrepreneurs to take action towards a more environmentally friendly, inclusive and democratic society.

Our ambition for 2030 is clear: collective empowerment based on an ever-more-ambitious vision of social engagement. To achieve this, we are mobilising financial stakeholders and public partners to break free from determinism and transform society. Our approach? Cooperation and the pooling of knowledge and initiatives, to create a movement for change that engages citizens. We work alongside national and local authorities, European institutions, the financial sector, mutual societies and social actors to innovate at the intersection of economic performance and social progress.

Among the four key areas that shape our strategic priorities for 2030, we are working to focus our efforts more effectively by supporting sectors where social and environmental challenges are important. Through this approach, we aim to:

• develop our expertise and tailor our solutions to the challenges and specific characteristics of each sector.
• promote pathways that enable the inclusion of those furthest from the labour market, value chains for support and investment.
• work with partners and stakeholder groups to build
• incorporate the regional dimension into our work, by adapting sector-specific challenges to the different regions.

Six priority sectors have been identified for 2030:

• Sustainable agriculture and food
• Solidarity, inclusion and social cohesion
• Local shops and services for residents
• The reuse and recycling economy
• Sustainable mobility and transport for all
• Renovation and new forms of housing

Pierre René LEMAS

Président of France Active

« Our new strategic plan is our new way of standing up and taking action at our level, so that together we can find a way forward and move towards a fairer, more inclusive society, towards a ‘desirable future. »

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Discover the findings of France Active’s 2026 study on social utility: a tangible impact on employment and inclusion.

In figures

The study reveals a financial leverage effect of 2.8: for every euro invested by France Active, nearly three euros are mobilised from other partners. In terms of employment, the impact is equally significant, with a multiplier of 2.1: the number of jobs per project has more than doubled in five years, representing 9,478 additional jobs created by the 897 enterprises surveyed. Among the business leaders supported, 82% are in a vulnerable situation, and 15% are leading projects with high social or environmental value.
Another key finding: 78% of the supported businesses are still active after five years, a survival rate well above the national average (69%). 70% of vulnerable entrepreneurs emphasise that the non-financial support was crucial in developing their skills, a key asset for the sustainability of their business.

A proven model

The study highlights France Active’s ability to turn projects into lasting successes. Thanks to its support, only 15% of the most vulnerable entrepreneurs who abandoned their projects end up unemployed, demonstrating the resilience of those who receive support. The cost to the public purse? €1,500 per job created – a modest investment given the social and economic benefits generated.

A rigorous methodology

Outlook for the future

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Jean-Daniel MULLER et Jean-Michel RICARD

Co-founders of Siel Bleu

Adapted physical activity

France Active has been supporting us for many years, helping us to successfully carry out our numerous projects.

Strasbourg (Bas-Rhin)

Adapted physical activity

Founded nearly 30 years ago in Strasbourg by two young graduates in physical education, Siel Bleu continues to grow. What is the association’s aim? To promote physical activity to prevent or reduce the effects of ageing and to rebuild social ties. It now carries out more than 500,000 sessions a year in France and employs around 870 people. Its growth extends beyond the French borders to Belgium, Ireland, Spain, Madagascar, Germany and Portugal.

Thanks to the word of mouth, the association grew very quickly: "We were receiving requests from other departments that we were unable to meet. From the second year onwards, we applied for a Local Support Scheme (DLA) to help us organise the association’s growth,” he adds.

A fundraising campaign to finance seven development projects

The objective was to finance no fewer than seven key projects:

• One of these focuses on sustainable transport to encourage as many people as possible to cycle or walk instead of driving.
• Siel Bleu is also working to train healthcare professionals and care assistants in supporting vulnerable people through non-pharmacological solutions (initial and continuing training) to address the shortage of trained staff and the lack of prescriptions for adapted physical activity, against a backdrop of an ageing population.
• The association also aims to digitalize its activities to expand its services and reach people who are too isolated or who are unable to access local support. Siel Bleu will develop a platform offering dedicated activities. To this end, the association has acquired a start-up that already offers remote physical activity programmes. Siel Bleu will develop programmes tailored to specific medical conditions via video conferencing or through adapted videos, using the technology developed by this start-up.
• The development of the Maisons Bleues is also on the agenda. These will be community spaces providing access to preventive healthcare and fostering social connections (sports and health centres, third places, independent living facilities).
• Siel Bleu is expanding internationally. To support all its projects, the association aims to establish a federation with a single objective: to reach an ever-increasing number of beneficiaries.
• Finally, it will develop new therapeutic activities. Every year, the association launches a new programme to address a specific need. The most recent one focused on endometriosis. It was developed in collaboration with specialists and is available throughout France and worldwide.

Any advice for an entrepreneur just starting out?

•  To fully commit to the project if you believe in it: there are always difficult moments, but you must persevere.
• To know how to surround yourself with the right people: having two of us from the start was crucial, and we were very quickly well supported.
• Surround yourself with partners who can help you build the project with a fresh perspective, different skills, and ask the right questions: sometimes the idea is good but doesn’t resonate with the audience. You need to put your project to the test and not hesitate to go out and knock on doors.

Have benefited

from guarantees of

320 000€

from bonus of

65 000€

from investments of

950 000€

Were supported by

France Active Alsace

It's here !

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An increasing number of women are choosing to embark on an entrepreneurial journey, drawn by the idea of working for themselves and giving new meaning to their careers. According to a study carried out by OpinionWay for France Active and the French Banking Federation, to mark the International Women’s Day, 56% of women see entrepreneurship as an opportunity to give meaning to their lives, whilst 52% of them are willing to take the plunge to bring a personal idea to fruition.

A growing desire to start a business

The latest OpinionWay survey for France Active and the FBF reveals that the desire to start a business is growing among women, but the perception of obstacles remains strong. 24% are considering starting their own business (+3 percentage points), a figure that rises to 32% among the under 60.

What are their main motivations? 56% of women want to give meaning to their professional lives and 52% want to bring a personal idea to life. Among those under 35, it is mainly economic reasons that drive them to start a business: 34% see it as a way out of a precarious professional situation.

Against the backdrop of economic uncertainty, this survey also reveals that salaried employment is regaining ground, with 49% of women preferring to be employed (an increase of 8 percentage points compared with 2025) rather than starting their own business.

The barriers to female entrepreneurship

The obstacles identified by women wishing to start a business are mainly economic, psychological or administrative. For instance, one in three women feels to lack sufficient start-up capital, whilst 27% fear they will face difficulties in accessing finance.

Furthermore, one in three women is afraid of failure, and 29% underline the complexity of administrative procedures as a major obstacle to their plans.

Ways to encourage women to start their own businesses

To this end, the survey conducted by OpinionWay for France Active and the FBF highlights three measures that would help women to start their own businesses.

• Greater equality in the private sphere

For 49% of women, a fairer division of domestic and family responsibilities is an essential prerequisite for encouraging entrepreneurship — a view shared by only 39% of men. This desire is accompanied by a growing demand for measures to facilitate a work-life balance, supported by 49% of female respondents (+ 4 points compared with previous surveys).

• Simplification of administrative procedures

The simplification of administrative procedures is supported by 53% of French people, an increase of 5 percentage points compared with 2025. Reducing complexity would help to minimise discouragement and encourage people to take the plunge into entrepreneurship.

• Support schemes and trainings

42% of women emphasise the need for support, mentoring and training programmes to help secure their business ventures.

Three inspiring and committed women

Pauline Katchavenda: inclusive, large-scale joinery recycling

Pauline Katchavenda, founder of Recyfe, is revolutionising the recycling of joinery in France with an inclusive circular economy model. At the helm of the country’s first national network for recycling end-of-life windows, she brings together 23 social enterprises to collect, process and reintroduce materials into new production, thereby reducing CO₂ emissions by over 60% per tonne of recycled glass. Her ambition is to make the entire construction sector circular, in partnership with giants such as Saint-Gobain, whilst creating local and inclusive jobs.

With Recyfe, Pauline Katchavenda demonstrates that the circular economy can combine environmental performance with social impact. The network, supported by France Active, recycles over 90% of a window’s components, preventing landfill and promoting reuse. Its approach, which is both innovative and rooted in local communities, is inspiring a new generation of entrepreneurs committed to a more sustainable and socially responsible construction industry.

Maud Simian, stakeholder in a SCIC supporting local agriculture

In Ance Féas, five farmers have joined forces to set up a cooperative (SCIC) dedicated to the rearing, processing and sale of pigs within an ultra-local supply chain. Their aim: to make use of 600 hectares of abandoned communal land by rearing pigs in the open air (fewer than 10 per hectare), ensuring minimal environmental impact. Faced with a lack of nearby processing facilities, they have set up a canning factory and a shop, thereby creating a 100% local supply chain.

With the support of the local council and residents, they process 100 tonnes of meat a year and create five jobs, revitalising the valley’s economy. The project, set up with the help of France Active, combines environmental sustainability, local roots and cooperative governance. The meat, reared and processed within 15 minutes of the farm, appeals to a loyal customer base, whilst the SCIC embodies a sustainable alternative to industrial models. Proof that collective and responsible farming can sustain local communities.

At the age of 21, she has taken over the shop where she completed her work-study placement

At the age of 21, Honorine Meunier has taken over the shop “La fée des Fleurs” in Secondigny, Nouvelle-Aquitaine, turning her work-study placement into a meaningful venture. Passionate about nature, she favours local, seasonal and pesticide-free flowers to promote responsible consumption: “This week, I received a delivery from a flower farm in Deux-Sèvres, located just a few kilometres from my workshop,” she tells us.

Supported by France Active, she embodies a bold, entrepreneurial spirit, combining environmental awareness with a strong local presence. Her aim is to promote conscious consumption and revitalise local life. Through local partnerships and a genuine offering, she demonstrates that young entrepreneurship goes hand in hand with sustainable innovation.

The Mirova Foundation supports women’s entrepreneurship

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Laura TROUDET

Co-founder and director of Skravik Sail fishing and scientific charter

Sail fishing and scientific charter

Plougastel-Daoulas (29)

Sail fishing and scientific charter

At the age of 37, Laura Troudet – a coastal oceanographer turned cooperative seafarer – co-founded Skravik, a maritime cooperative based in the harbour of Brest. Established in 2017 as an association, transformed into a SCIC in 2024, the organisation uses working sailing vessels to reinvent small-scale fishing and marine research, with a focus on sustainability and public interest.

The journey of a committed entrepreneur

A public-interest maritime cooperative

Working sailing vessels for fishing and science

A sustainable maritime transition, beyond technology

The cooperative has an ambitious vision for decarbonising the maritime sector, which goes beyond simply replacing one engine with another. For Skravik, the transition begins with reducing the role of the engine, prioritising sailing, and revitalising maritime professions.

This approach takes a thorough look at the organisation of work at sea, fishing schedules, distances travelled and the associated business models. It forms part of a wider movement towards sustainable maritime practices that can help preserve both fish stocks and the resilience of coastal areas.

“Light science” at sea: a new framework

A diversified and resilient business model

The role of France Active

“Since the beginning of the project, Skravik has benefited from the support and funding provided by France Active, which has helped to ensure its successful launch. This support has been crucial in enabling us to reach several key milestones, notably the acquisition of a second vessel, which is essential for the development of the fleet,” explains Laure Troudet. France Active has also supported the organisation’s transition to a cooperative model, providing expertise on financial arrangements and facilitating dialogue with partners in the social and solidarity economy and the local area.

Training the next generation of seafarers

Beyond its fishing and research support activities, Skravik has set itself a strong educational mission: to help train the next generation of seafarers by immersing them in a cooperative environment where technical autonomy goes hand in hand with collective values. On board, learning takes place in conditions as close to reality as possible, encompassing sailing manoeuvres, a detailed understanding of marine ecosystems and the sharing of a culture of teamwork. This educational aspect aims to inspire vocations and demonstrate that a different approach to maritime work is possible.

Collective achievements and a vision for expansion

Has benefited

from a guarantee of

67 500€

from an investment of

135 000€

Was supported by

France Active Bretagne

It's here !

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In 2026, the social and solidarity economy (SSE) has established itself as a key player in the ecological and social transition in Europe. With 11.5 million jobs and a key role in the inclusion and resilience of territories, the SSE enjoys massive support from citizens: 80% of Europeans are in favour of direct public funding for SSE organizations, according to the Special Eurobarometer 567*.

However, access to financial resources remains a challenge for many enterprises. How are SSE actors, and France Active in particular, mobilizing European and national levers to respond to these challenges? Which role will the SSE play in the future European budget for 2028-2034?

European funding: a lever for the social and solidarity economy

Since the creation of the European Union, promoting social, economic, and territorial cohesion has always been the cornerstone of European policies and budgets.

European funds, such as the European Social Fund (ESF+) and the European Regional Development Fund (ERDF), as well as European programs such as InvestEU, Erasmus+, and Horizon Europe, are pillars that have sustained over the years the development of the social and solidarity economy in line with the needs of local areas and their inhabitants.

These fundings have contributed to promote job creation and skills development, social inclusion, innovation, SMEs’ competitiveness. Through its work, France Active contributes to the achievement of European policy objectives in France, particularly in terms of social, economic, and territorial cohesion. Working closely with the European Commission and the managing authorities in charge of the European funds at the national and local level, the France Active network supports structural projects in the regions, mobilizes financial instruments that promote financial inclusion, and deploys innovations in the fields of solidarity-based financing and business support with other European partners.

France Active: a key player in financing the social and solidarity economy in Europe

A comprehensive support model

An active European advocacy

France Active is a member of the European Federation of Ethical and Alternative Banks (FEBEA) and participates in the European Commission's working groups on the social and solidarity economy, particularly in relation to the Social Economy Action Plan 2021-2030.

The objective: based on its experience on the ground, contribute to design new European policies on the SSE improving access to financing for SSE associations and enterprises and enhancing its visibility at the European level.

Challenges and perspectives for the next programming period

With the current European programming period coming to an end in late 2027, new challenges are emerging around the place of the SSE in the future European budget. In a rapidly changing economic and geopolitical context, which is giving rise to new priorities, France Active reaffirms the importance of taking full account of the realities of the regions and their needs in the future budget. A twofold ambition: to preserve the place of social, economic, and territorial cohesion at the heart of the budget and to develop committed entrepreneurship as a driver of European competitiveness through European fundings that maximize leverage.
A few first concrete action proposals are:

• Maintaining and strengthening European policies and financial resources allocated to supporting entrepreneurship in the regions (microbusinesses/SMEs) and promoting the development of the social and solidarity economy.
• Promoting a model of committed entrepreneurship that provides social and environmental solutions, reduces territorial inequalities, and promotes the creation of local and sustainable jobs.
• Increasing the use of financial instruments for the benefit of territories and their inhabitants.
• Recognizing and strengthening the role of solidarity-based financial intermediaries as operators of European policies in the territories.

Faced with social and environmental challenges, France Active reaffirms its commitment to an economy that serves the society, where economic performance goes hand in hand with social and environmental impact. In Europe, this vision translates into active advocacy for ambitious public policies that integrate the social and solidarity economy as a pillar of cohesion and transition. By acting collectively with local and European stakeholders, France Active proves that the economy can be a driver of social justice and environmental resilience to build a “desirable future” accessible to all.

Some concrete examples

La Cravate Solidaire is an association that fights against inequalities in access to employment by offering personalized support (coaching, workshops, networking) to people who are excluded from the job market. Thanks to a participatory loan and support from France Active, it has been able to develop its activities into several regions, helping thousands of beneficiaries each year to regain confidence and find a job.

"France Active has been a key partner in structuring our business model and raising the funds needed for our national development. Their participatory loan has enabled us to professionalize our team and support 5,000 job seekers in 2025, compared to 2,000 in 2020. Their network has also connected us with big companies committed to inclusion. " — Yann Lotodé, Head of the development at La Cravate Solidaire.

Le Fournil Bio, in Guadeloupe, is a cooperative that promotes organic and local agriculture by transforming agricultural products into organic flour and bread. Thanks to France Active’s support, the project has been able to secure its economic model and develop its activity, thereby contributing to the region's food sovereignty.
“Magali Lacambra, our France Active advisor, was immediately very invested in our project. She guided us, introduced us to the right people, and helped us move forward. And beyond that, her answers were always concrete, simple, and effective.” — Fanny Simonin, manager of Fournil Bio.

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Creating a more socially conscious and environmentally friendly world requires a combination of boldness and commitment. That’s why France Active has chosen to give a voice to entrepreneurs who have taken on this challenge. Discover their inspiring stories. Supported by our network, they put people at the heart of their business model and tell us about their journeys in this 3rd series of videos entitled ‘Bold and committed’.

Espoir 73 – Esat Le Haber - Savoie

Mineka – Auvergne Rhône-Alpes

Nomade Coiffure – Franche-Comté

Défi production – Occitanie

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Hélène VAUDON

Managing Director of CIDIL

Work integration scheme

Montbron, Charente

Work integration scheme

Thirty years later, the association continues its work with the same conviction: to offer a better future to those who are marginalised.

‘We are in a rural area, about 30 kilometres from Angoulême. Too far away to benefit from services such as CAF, CPAM or France Travail, but close enough not to be considered isolated. Consequently, we had to come up with our own solutions,’ recalls Hélène Vaudon, director of the association.

Offering more and more opportunities
In its early days, the association simply offered support services to job seekers.

It was when the Seuil Charente Périgord community of municipalities (now La Rochefoucauld – Porte du Périgord) acquired an old farm that the idea of creating a social integration project took root. This place then became a space for learning and knowledge transfer, where job seekers could train in construction trades, but also discover organic market gardening.

‘Market gardening is close to my heart because it symbolises a return to the land, meaningful, practical work, and the opportunity for everyone to see the fruits of their labour. It is also a very accessible activity for people in very precarious situations,’ emphasises Hélène Vaudon.

Creating a virtuous circle
Far from limiting itself to training in the building and market gardening sectors, CIDIL has gradually developed an ecosystem of solidarity-based and sustainable activities, creating a virtuous economic dynamic in the region.

The integration projects have diversified to include maintenance of green spaces, production and sale of organic vegetables, and production of vegetable jams. The harvests not only supply individuals, but also the Banque Alimentaire, local authorities and even a local secondary school, contributing in this way to reinforce the short supply chains and local roots. More recently, the association opened a farmers' market promoting local products and providing training opportunities for sales professions.

All these projects reflect the same ambition: to combine integration with usefulness, proximity and solidarity.

A new beginning in Montbron

After years of development, challenges and successes, CIDIL is now preparing to take another major step forward: moving from Souffrignac to Montbron.

The new premises, located in close proximity to the market garden, will bring all the teams together in one place, enabling better coordination of activities and offering more suitable working conditions.

This project promises both continuity and renewal for the association. Despite the difficulties it has faced, CIDIL is committed to continuing to reinvent itself to meet the needs of its region and its inhabitants.

France Active, an indispensable support
Like many social and solidarity economy organisations, CIDIL has experienced recurring cash flow difficulties as a direct result of its fragile and demanding economic model.

During these difficult times, the association was able to count on the invaluable support of France Active, which offered to include them in the Local Support Programme (DLA).

This scheme enabled the association to conduct an in-depth assessment of its situation, clarify its strategy and put in place a realistic action plan to overcome the crisis.

‘Without this support, we would not have been able to move forward,’ says Hélène Vaudon.

For nearly thirty years, France Active has remained an essential partner of CIDIL, supporting it in its transitions and contributing to the sustainability of its integration and local development actions in the Charente region.

With a guarantee of

€42,000

With an investment of

€146,000€

Were supported by

France Active Nouvelle Aquitaine

Since 2005

It's here !

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At the end of October, representatives from around 100 countries gathered to attend the GSEF, the Global Social and Solidarity Economy Forum Bordeaux GSEF 2025. France Active took the opportunity to highlight the potential of the social and solidarity economy in addressing the major challenges of today and tomorrow. This is even more important at a time when economic, environmental, political and social crises are intensifying. Here is a look back at the three key lessons learnt from this unmissable event.

1. The social and solidarity economy (SSE) is gaining recognition and becoming more structured at all levels.

For its 2025 edition, the GSEF stopped off in France for the first time. Many French SSE stakeholders (entrepreneurs, financiers, local authorities, public partners, associations, etc.) attended to promote this sector, which alone accounts for 10% of GDP and 14% of private sector jobs in France¹.

The French SSE model is the result of several decades of commitment and structuring. The 2001 Fabius law on 90/10 funds gave a boost to solidarity finance, while the 2014 Hamon law laid the foundations for more widespread development of the SSE, to name just a few notable advances. ‘This regulatory framework has, of course, encouraged social innovation, the creation of new models and the emergence of a dense and varied ecosystem of actors,’ explains Yesil Rusconi, Head of the European and International Affairs at France Active. ‘But it should be noted that this movement has also grown worldwide in recent years. We are delighted about this.’

In 2021, Europe has adopted an Action Plan for the Social Economy (SEAP). In 2024, the United Nations General Assembly adopted a resolution emphasising the importance of the SSE for sustainable development. Similarly, the International Labour Organisation and the Organisation for Economic Co-operation and Development (OECD) see the SSE as a key driver for a more inclusive and sustainable economy. ‘This formal high-level recognition is a guarantee of credibility for all stakeholders involved.’

2. Facing crises with a double response: cooperation and local roots

The Forum GSEF 2025 took place at a time when many questions are being asked about the future of the social and solidarity economy. With crises shaking the world, is its model at a turning point? Will it be able to continue building solutions for the future? Will it find the funding necessary to support it?

The conference co-organised by the Caisse d'Épargne and France Active, entitled ‘Financing together: a catalyst for cooperation and territorial impact’, outlined responses around a strong message reiterated by Yesil Rusconi: "To support a project and help it overcoming the various storms that are part of a company's life, it is crucial to be able to count on a collective of actors. Hence the importance of mixed financing that mobilises public and private resources, banks, SSE partners or financiers such as France Active, local authorities, etc. It is through them that it is possible to have the right leverage. But also the right impact at the territorial level, which is the right scale of action for useful and sustainable solutions."

On the ground: CIDIL's winning model

Combining mixed financing and local roots, CIDIL (Carrefour pour l’insertion et le développement des initiatives locales) has been promoting employment and social cohesion in Nouvelle Aquitaine for over thirty years. A project supported by France Active.

> Read the story

3. An international SSE: the paradigm for tomorrow?

1. Source : Direction générale du Trésor. Retour
2. Conférence inter-régionale des réseaux régionaux multi-acteurs.. Retour

Others news

• 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)