Wednesday, February 11, 2015

SPAIN: We may already have your bench to bedside: Fiare Ethical Banking – EntornoInteligente

SPAIN: We may already have your bench to bedside: Fiare Ethical Banking – EntornoInteligente

Cinco Dias / We can already bench to bedside. The group led by Pablo Iglesias has launched an initiative microloan to get resources to finance his campaign for the parliamentary elections in Andalusia. We want your supporters granted to the group interest-free loans 100 euros to 10,000 euros, which will be returned once to access the electoral subsidy for political parties. To articulate this campaign crowdlending, we have selected a financial institution to oversee the process. It is Fiare Banca Etica.

Fiare operates in Spain as a branch of Banca Popolare Etica, a cooperative of Italian credit has 15 years of history and 37,000 partners. Six months ago Fiare obtained the relevant banking license from the Bank of Spain – the number 1.550- and has a capital of 49.7 million euros

In October last year Fiare began operating in Spain. as a financial institution and since then has attracted just under one million euros in savings and granted loans amounting to 819,000 euros.

The first branch of Banca Etica which provided Fiare-the trade name chosen to operate in Spain was in Bilbao, but the company already has agents in Madrid and Barcelona.

So definitely become a financial institution in Spain, Fiare worked as a society to support social economy actors (NGOs, associations, neighborhood platforms …), with a minimum area individuals, subject to Italian law and with many operational and technical constraints.

Since October, and really provide services to individuals with all the core portfolio: internet banking, savings account and term-between 12 and 60 months, money receipts, debit card Servired (rural banks) and all collateral to customers of any other entity. Depositors have coverage Deposit Guarantee Fund (FGD)

Millennium entity

Fiare Banca Etica emerged from the union of two projects based on ethical finance. Banking Popolare Etica y Fiare operating in Spain since 2005. Both initiatives aim to be “tools in the service of social transformation through financing projects of social and solidarity economy and promoting a culture of financial intermediation, under the principles of transparency, participation, democracy and credit as law “, says the company on its website www.fiarebancaetica.coop.

For the extension of credit s, Fiare evaluates the creditworthiness according to both economic factors (technical analysis) and (assessment of social sensitivity, environmental, ethics) project noneconomic elements. Thus, the entity agrees not to fund projects that are linked to arms production, with intensive animal husbandry or non-renewable energy.

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