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> INVIP - BEST PRACTICES BY BANKS IN FAVOUR OF MIGRANTS AND REFUGEES

Between the end of 2007 and June 2009 a team of Númena's researchers developed, in partnership with four institutions from four other countries from the E.U. (Italy, Spain, Greece and Cyprus), a project on best practices on migrants and refugees access to bank services. The result of this partnership was published as an handbook in 2009, presenting the problems faced by these populations and providing examples of good practices and a set of recomendations.

In parallel Númena has organized with the Portuguese High Commissariat for Immigration and Intercultural Diversity, a conference entitled Bank and Immigrants, that took place on September 2008. An in deep study on the Portuguese situation was
also done. More information on this partnership with ACIDI is available here.


OBJECTIVES OF THE PROJECT

GENERAL OBJECTIVE
Promote the integration of migrants and refugees through the improvement of their access to banking services, in particular, access to credit for economic activities and for buying a house and set up a network of NGOs, banks, migrants' organisations and local authorities on this theme

SPECIFIC OBJECTIVE
Identify and disseminate good practices in banking services for migrants and refugees, through a trans-national and a national network of service providers (banks), clients (migrants organisations) and other stakeholders (local authorities, NGOs, manufacturer's organisations, trade unions).

BENEFICIARIES/TARGET GROUP
Migrants who need and use banking services with difficulty in the five member states. Banks and other stakeholders (local authorities, trade unions, NGO's and associations, etc.) will be also target group of the project.

EXPECTED RESULTS
- Improved access to credit by migrants and refugees for economic activities and for buying a house for migrants and refugees.
- Increased awareness raising and attention by banks and other credit institutions, NGOs, public authorities etc. regarding the access to credit and banking services.
- Better knowledge and information for migrant citizens on the opportunities of access to credit and banking services offered by banks and other credit institutions and on the ways of accessing these services.
- A trans-national handbook on good practices in the sector distributed in the five European countries involved in the study.


ACTIVITIES PERFORMED

- Mapping and analysis of needs and difficulties of access to banking and credit institutions for migrants and refugees.
- Mapping and analysis of the current good practices on these issues by banks etc.
- Identification of good practices in each member state through national workshops and meetings of various stakeholders.
- Transnational workshops aimed at defining good practices in the sector and exchange of information
- Publication of a handbook on good practices in the sector
- International conference of presentation of project results.

RESEARCH INSTRUMENTS USED AND OTHER MATERIALS:
In order to collect the information that was used in this research distinct tools and supporting materials were build:
- a questionnaire used with immigrants;
- interviews scripts to banks and to immigrant entrepreneurs
- a brochure (exterior and interior) to present the project.


FINANCING:
This project was approved to be financed by the European Commission DG Justice, Freedom and Security (JLS) through the INTI program -Integration of third country nationals (the list of approved projects can be accessed here).

DURATION:
18 months, beginning in September 2007 and end in March 2009

EUROPEAN PARTNERS:
COSPE - Cooperazione per lo Sviluppo dei Paesi Emergenti (Coordination) - Italy
MPDL - Movimiento por la Paz, el Desarme y la Libertad - Spain
Symfiliosi - Cyprus
Antigone - Information & Documentation Centre on Racism, Ecology, Peace and Non Violence - Greece

RESEARCH TEAM IN PORTUGAL:
Bruno Dias
Tiago Ralha
Rahul Kumar
Elisa Silva

The contents of this page are the exclusive responsibility of Númena and cannot in any circumstances be taken as expressing the positions of the European Union.

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