Jean Claude Rodríguez-Ferrera M.Director

www.comunidadescaf.org

The CAF Model

INTEGRATIONAL MODELS FOR LOW INCOME PEOPLE SHOULD BE BASED IN...

1. Economic and emotional integration2. Multicultural relational networks 3. Individual motivation to get together/ useful

services4. Exponential integration5. Companies participation6. Low income people as main actors

THE CAF MODEL

Members manage the organisation: they are owners and customers

10-30 members buy shares

Members can ask for credits, insurances, employment

Benefit is distributed depending on number of shares

COMING TOGETHER: COMMUNITY CREDITS

Month 1Month 1 Month 2Month 2 Month 3Month 3 Month 4Month 4

Amina: 300Amina: 300 Amina: 103Amina: 103 Amina: 103Amina: 103 Amina: 103Amina: 103

Luis: 200Luis: 200 Luis: 102Luis: 102 Luis: 102Luis: 102 __

Dienaba: 300Dienaba: 300 Dienaba: 103Dienaba: 103 Dienaba: 103Dienaba: 103 Dienaba: 103Dienaba: 103

Amadou: 300Amadou: 300 Amadou: 103Amadou: 103 Amadou: 103Amadou: 103

Karina: 100Karina: 100 Karina: 51Karina: 51 Karina: 51Karina: 51

Pateh: 200 Pateh: 200 Pateh: 102Pateh: 102

Sam: 300Sam: 300 Sam: 103Sam: 103

Capital available: Capital available: 800 (20 x 40 euros)800 (20 x 40 euros)

Benefits: 0Benefits: 0

Capital available : Capital available :

308 + 100 = 408308 + 100 = 408

Benefits: 8Benefits: 8

Capital available :Capital available :

450 + 8 + 12 + 40 450 + 8 + 12 + 40 = 510= 510

Benefits: 12Benefits: 12

Capital available :Capital available :

550 + 8 + 12 + 15 550 + 8 + 12 + 15 + 80 = 665+ 80 = 665

Benefits: 15Benefits: 15

OFFERRED SERVICES

Community based Company based

Community credits(100-2.500 euros)

Credits for entrepreneurs (3.000-30.000 euros)

Emergency funds Insurances

Coffee pages Formal employment

CAF “EL INTENTO”Girona

CAF “GRUPO DE APOYO”Barrio del Raval

CAF “AYNI”Ciutat Vella

CAF “HONDUCAT”Ciutat Vella

RESULTS I

More than 500 CAFs in Europe, Latinamerica and Africa (22 in Barcelona)

More than 15.000 members from 18 nationalities working together

More than 20.000 microcredits, 2 % unpayment Credit average (Europe): 380 euros Annual Rendibility (Europe): 16 %

RESULTS II

Self-managementGrass root organisationsHigh participationMulticultural groupsFormal companies participating

NEXT STEPS

Expansion: Europe, Latm and Africa through franchise

New services: housing, investment funds

THANK YOU

www.comunidadescaf.org

jeanclaude@comunidadescaf.org