{"id":376879,"date":"2024-07-08T13:51:10","date_gmt":"2024-07-08T11:51:10","guid":{"rendered":"https:\/\/www.fiarebancaetica.coop\/?post_type=cbwpt_area_stampa&#038;p=376879"},"modified":"2024-07-08T13:51:11","modified_gmt":"2024-07-08T11:51:11","slug":"fiare-banca-etica-destina-100-milions-deuros-al-financament-de-pimes-de-leconomia-social","status":"publish","type":"cbwpt_area_stampa","link":"https:\/\/www.fiarebancaetica.coop\/ca\/area-de-prensa\/fiare-banca-etica-destina-100-milions-deuros-al-financament-de-pimes-de-leconomia-social\/","title":{"rendered":"Fiare Banca Etica destina 100 milions d&#8217;euros al finan\u00e7ament de pimes de l&#8217;economia social"},"content":{"rendered":"\n<ul class=\"wp-block-list\">\n<li><strong><em>Fiare Banca Etica, l&#8217;entitat cooperativa dedicada \u00edntegrament a les finances \u00e8tiques ha anunciat la creaci\u00f3 d&#8217;una nova l\u00ednia de cr\u00e8dit espec\u00edfica per a les petites i mitjanes empreses de l&#8217;economia social dotada amb 100 milions d&#8217;euros per als dos pr\u00f2xims anys.<\/em><\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>La nova l\u00ednia de cr\u00e8dit de Fiare Banca Etica<\/strong> suposa una resposta a l&#8217;<strong>informe \u2018Necessitats de finan\u00e7ament de l&#8217;Economia Social 2024\u2019<\/strong> realitzat amb el suport del Ministeri de Treball i Economia Social i presentat fa tan sols uns dies. L&#8217;informe revela, donat el seu dinamisme, l&#8217;<strong>alta necessitat de finan\u00e7ament de les pimes de l&#8217;economia social<\/strong> i, entre les pimes d&#8217;economia de mercat, l&#8217;alta demanda de productes financers, especialment l\u00ednies de cr\u00e8dit i instruments a curt termini.<\/p>\n\n\n\n<p>La l\u00ednia suposa una reserva de fons per un total de 100 milions d&#8217;euros per a l&#8217;economia social en els pr\u00f2xims dos anys i un complement al Projecte Estrat\u00e8gic per a la Recuperaci\u00f3 i Transformaci\u00f3 Econ\u00f2mica d&#8217;Economia Social i de les Cures i el Fons d&#8217;Impacte Social. 50 milions seran destinats a <strong>inversions a mitj\u00e0 i llarg termini <\/strong>com a necessitats d&#8217;inversi\u00f3 en equips o habitatge cooperatiu en cessi\u00f3 d&#8217;\u00fas o lloguer social i els 50 restants per a necessitats puntuals de liquiditat, avan\u00e7ament de factures i altres exig\u00e8ncies a curt.<\/p>\n\n\n\n<p>El <strong>preu m\u00e0xim<\/strong> est\u00e0 fixat en Eur\u00edbor a 12 mesos +2%, per\u00f2 es desplomar\u00e0 fins a +0,25% en funci\u00f3 de les garanties ofertes i els valors de l&#8217;economia social representats per l&#8217;empresa. En el cas de comptar amb una garantia hipotec\u00e0ria, el preu es reduiria fins al +1,25%; i fins al +1% si es disposa d&#8217;aval d&#8217;una societat de garantia rec\u00edproca.<\/p>\n\n\n\n<p>Per a mesurar la <strong>responsabilitat social de l&#8217;empresa<\/strong> i, aix\u00ed, obtenir acc\u00e9s al cr\u00e8dit o millors condicions, Fiare Banca Etica ha definit fins a 150 indicadors agrupats en set \u00e0rees de valor: governan\u00e7a, treball, cadena, qualitat del producte, medi ambient, xarxes i comunitats i transpar\u00e8ncia i legalitat.<\/p>\n\n\n\n<p>L&#8217;<strong>impacte<\/strong>, tant el que habitualment t\u00e9 l&#8217;organitzaci\u00f3, com el que pret\u00e9n provocar gr\u00e0cies a l&#8217;obtenci\u00f3 del finan\u00e7ament, ser\u00e0 tamb\u00e9 calculat a trav\u00e9s de 40 indicadors de 24 \u00e0rees d&#8217;impacte i tingut en consideraci\u00f3.<\/p>\n\n\n\n<p>Les entitats s\u00f2cies o conveniades de Fiare Banca Etica disposaran de condicions avantatjoses com una comissi\u00f3 d&#8217;obertura del 0,5% -enfront d&#8217;un 1% per a la resta- i una TAE m\u00ednima del 4,43% per a casos en els quals s&#8217;apliquin tots els descomptes i un m\u00e0xim del 6,51% per a aquells casos en els quals no s&#8217;apliqui cap rebaixa. Les <strong>empreses liderades per dones<\/strong> tamb\u00e9 obtindran un descompte del 0,25%.<\/p>\n\n\n\n<p><strong>\u201cA Fiare creiem en l&#8217;economia social. La nostra experi\u00e8ncia \u00e9s que l&#8217;economia social sempre respon, d&#8217;aqu\u00ed ve que h\u00e0gim posat tants recursos a la seva disposici\u00f3\u201d<\/strong>, afirma el director de Desenvolupament i Estrat\u00e8gia de Fiare Banca Etica, Juan Garibi. \u201cEstem segurs no sols que aquest producte ve a cobrir una necessitat no satisfeta de l&#8217;economia social, sin\u00f3 que els fons s&#8217;esgotaran\u201d, sost\u00e9.<\/p>\n\n\n\n<p>L&#8217;<strong>informe \u2018Necessitats de finan\u00e7ament de l&#8217;Economia Social\u2019<\/strong> ofereix una saludable radiografia de les pimes de l&#8217;economia social i analitza les caracter\u00edstiques d&#8217;aquestes que influeixen en la demanda de finan\u00e7ament i en la seva estructura financera, l&#8217;origen i destinaci\u00f3 del finan\u00e7ament i els obstacles per a obtenir-la.<strong> El 78,2% de les pimes d&#8217;economia social va tenir necessitat de finan\u00e7ament, especialment les dedicades a les activitats sanit\u00e0ries (94,2%), les exportadores (85,2%) i les innovadores (88,9%).<\/strong><\/p>\n\n\n\n<p>La dificultat perqu\u00e8 les entitats comprenguin els models de negoci van ser un dels obstacles m\u00e9s comuns de les pimes de l&#8217;economia social per a accedir a aquest finan\u00e7ament.<\/p>\n","protected":false},"author":6693,"featured_media":0,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"tag":[],"coauthors":[10743],"class_list":["post-376879","cbwpt_area_stampa","type-cbwpt_area_stampa","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fiare Banca Etica destina 100 milions d&#039;euros al finan\u00e7ament de pimes de l&#039;economia social - Fiare Banca Etica<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiarebancaetica.coop\/ca\/area-de-prensa\/fiare-banca-etica-destina-100-milions-deuros-al-financament-de-pimes-de-leconomia-social\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fiare Banca Etica destina 100 milions d&#039;euros al finan\u00e7ament de pimes de l&#039;economia social - Fiare Banca Etica\" \/>\n<meta property=\"og:description\" content=\"La nova l\u00ednia de cr\u00e8dit de Fiare Banca Etica suposa una resposta a l&#8217;informe \u2018Necessitats de finan\u00e7ament de l&#8217;Economia Social 2024\u2019 realitzat amb el suport del Ministeri de Treball i Economia Social i presentat fa tan sols uns dies. 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