The first beneficiaries of microcredit

My Aunt is in microcredit

Financing your driving license, replace the water heater or offer new teeth. This is what can serve as personal microcredit offered this summer by the Crédit Municipal de Paris.

This mini-loan (from 300 to 3000 euros) is for Parisians and Ile individuals who wish to implement a project and modest incomes that are too uncertain to allow them to access conventional bank loans. Saliha, Albert and John Fidel are part of the first beneficiaries. Testimonials.

“As soon as the loan was agreed, I ran to the cemetery to tell my wife”

Leaning on the kitchen table in his apartment located a few meters from Ménilmontant market in the twentieth arrondissement of Paris, Albert, 67, said: “I lost my wife on 29 June. When I found myself in front of the invoice funeral, I ran high. I never thought it was so expensive. 5725 euros just for the stele and a basic model and more! I first thought of a conventional bank loan … “You’re too old,” I was told the bankers. Annoyed, I wrote to the mayor who referred me to the municipal credit. In two weeks, it was settled. They lent me 3,000 euros that I missed to pay their last respects to my wife … I remember very well the time the loan was agreed. I ran to the cemetery to say to my wife, that’s it, everything is settled. ”

“I intend to repay the entire loan as soon as possible, I prefer”

Big smile, Jean-Fidel, 41, gives us an appointment at the offices of Crédit Municipal de Paris, “because he loves to come back from time to time to salute the ladies of microcredit super nice.” They gave him a loan to finance his license.

“So far, I manage without a car, but it is a bit of a drag. Especially to work in the Paris suburbs. I have to take three different buses and a colleague picks me. So microcredit, it was an opportunity to finance during driving without it beating down my budget. I earn my living (1,800 euros), but when the support is removed, rent and shopping … There is not much left. There I borrowed 1300 euros over two years, or 60 euros per month. It’s manageable. But I will try to pay off the loan as quickly as possible, it’s never good to be in debt. As they say: who pays his debt is enriched … ”

“For once something is sounds spot that I search”

Saliha, 38, receives us in his office, very proud to have landed a job part-time consultant employability. A beautiful contrast. Because to get there, Saliha has frankly struggled.

“I decided to resume my studies there four years. I would never have thought to face many obstacles. Forced to chain odd jobs and classes, too much hassle with the administration … We never see the end. Training (equivalent pro license) cost 3350 euros. In calculating my tight budget, I knew I could pay 180 euros per month max. But I was stuck. Unemployed, banks will not lend you money. But, working, it was almost impossible to follow my training.

I am seriously beginning to despair when a friend told me about microcredit. At first, I tried the stuff, the clause that was not going to stick… And no, it worked. I hallucinated for the first time in my life, I was told “it’s possible” without my being obliged to fight … ”