The Fédération Nationale des Caisses d’Epargne (FNCE) participated in 2012-2013 in the European project CAPIC (Cooperation for Inclusive Affordable Personal Credit).
CAPIC was an 18 month EU project on knowledge and data exchange related to affordable personal credit. This project has been selected under the call for proposals funded by Article 04 03 12 of the EU Budget – Pilot project – All-inclusive cooperation between public authorities, companies and social enterprises in favour of social inclusion and integration into the labour market.
The project consisted in analyzing four case studies on existing practices in Belgium, France, Italy and United Kingdom, in order to identify best practices; afterwards, five dissemination workshops were organized in order to spread the acquired knowledge. FNCE gave a feed-back of the know-how and in-depth experience of personal microcredit acquired by the Caisses d’Epargne, through Parcours Confiance (see related case study). Other French partners were Secours Catholique (Caritas) and the Caisse des Dépôts et Consignations (CDC), the national French public bank.
The main purpose of this pilot project was to promote personal microcredit at a European level. More widely, it put forward new models for cooperation between public institutions, companies and social enterprises, to achieve social change: an issue in which French Savings Banks are deeply committed.