Developed and emerging countries: different needs, different strategies
In emerging countries, microcredit can take the form of loans ranging from €50 to €5,000 in value. Targeted customers are most often existing micro-enterprises (in sectors like commerce, services, agriculture, etc.) or investment projects. The most socially advanced microfinance institutions also provide non-financial services.
BNP Paribas is present in 10 emerging countries: Brazil, Colombia, China, India, Indonesia, Vietnam, Ivory Coast, Morocco, Senegal and Tunisia.
In developed countries, loan amounts vary between €2,000 and €20,000. Their goal is to promote financial and social integration for the beneficiaries: persons facing poverty or unemployment, or youths lacking resources or experience for their entrepreneurial project (often startups).
BNP Paribas favors projects with a strong social component, and customers facing exclusion. BNP Paribas is currently present in 7 developed countries: France, Italy, Belgium, Luxembourg, Poland, the United Kingdom and the United States.