COPIE 2: Access to finance community

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Access to finance summary

Lead partners: Flanders and Czech Republic Partners: Germany, Dissemination partner: Spain Lead Expert: to be appointed

Description and objectives

This cop is intended to bring together a range of people working to support disadvantaged individuals and groups’ access and manage finance from banks and through microcredit.


The following are the key stages;

An understanding the current economic situation, opportunities and challenges

Primary research using the COPIE tool and secondary research to report on the existing activities in the field of access to finance and microcredit within the regions.

A review of international good practice examples

Mapping of existing practices in order to give clear recommendations for expanding what works, reducing what doesn’t and filling any gaps

Short term exchanges of staff working in the field Activities Research on the state of the art of inclusive access to finance

Documenting best practice approaches that have been used

Establishing ESF funded training programmes to learn from the above and increase the capacity of core support structures to deliver a truly inclusive finance system for those starting or growing their business.

Work on developing actions to support the European Initiative on Microfinance at regional level and particularly to explore training and awareness raising of practitioners and MAs and IAs on how to use Jasmine

Exploration of the potential for widening micro finance approaches to work with new issues such as financial inclusion, personal lending as well as microcredit. Working on access to bank credit for micro enterprises and the self employed from disadvantaged backgrounds

Milestone for Deliverables

State of the art report during development phase (May 2009)

ESF training programmes end year 2009

Recommendations for mid term reviews of ESF programmes


Practitioners focused at the interface with clients, Development agencies, support structures and NGOs, Public and private sector financiers, Communities, entrepreneurs and business owners, Managing authorities that wish to use the ESF or ERDF to support entrepreneurs in accessing and managing finance.