Spain
Microcredits programme
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The
total of foreigners people with residence permit in Aragon
at 31th December 2000 was 17590 people, what represents
1,48% of the total population (in Spain almost 2%).
It's
necessary to add those people in non-regular situation
what take us to a global sum of about 35000 immigrants,
what represents a 2,9% of the aragoneese population.
The
microcredits programme is not addressed only to immigrants
population, but to any collective with precise economic
difficulties.
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Description
of the problem: |
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The
economical situation of the immigrants is many times precarious,
they have incomes that only let them subsist. This situation
get many times worse for the debts acquired in their origin
countries for the travels to Spain, as for the promise
of regular envoy of money to their families.
Then
when they have the need of acquiring a consumption good,
travelling for familiar reasons, or solving any problem
related to documentation, they face a very important economical
problem.
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Description
of the solution: |
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The
microcredits programme is allowing by one hand to solve
precise needs in the field of consumption, and by other
hand, on meeting demands individually and through detailed
proceedings, to identify other trouble that can be tackle
from other programmes of the organisation.
The
microcredits are given on the base of an exhaustive analysis
of each individual situation, and above all taking into
account the destination of the money has a justified purpose
that lets the social normalisation of the immigrant.
Both
the final quantity that is lent, and the payments and instalments
are designed according to the individual needs and possibilities.
It's
made a monitoring to each immigrant that receives a credit,
not only of the compliment of the payments, but of any other
trouble they have, in this way a socio-educative labour
and assumption of responsibilities can be made.
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The number of dossiers studied in the first seven months
of working have been 102. The total number of microcredits
granted have been 58.
These
consumption credits have been used for familiar grouping,
travel to the origin country for taking the visas and/ or
solving legal situations, obtaining of driving permission,
deposits and rents for housings, purchase of consumption
goods (washing machine, study books….), payment of
the medical treatments in origin countries, payment of social
security quotas for house working servers…
The
50% of the immigrants that have accessed to this programme,
have been informed and advised in order to ask for social
benefits they have right to, and specific subventions for
the housing rents.
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Practical
considerations : |
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The personnel needed to carry out the programme are two
social workers.
The
agents implied in the programme are: UGT and CAI (financial
entity).
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IF
YOU WISH ANY FURTHER INFORMATION, PLEASE CONTACT TO:
UGT
Aragón.
Calle
Costa, 1-3ô planta.
50001 Zaragoza
Tels.
976 70 01 00 - 976 70 01 10
Fax. 976 70 01 01
ugt@aragon.ugt.org
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