貧困層の社会的包摂に取り組むスペインのマイクロクレジット

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  • ヒンコンソウ ノ シャカイテキ ホウセツ ニ トリクム スペイン ノ マイクロクレジット
  • Microcredit to Include the Poor among the Community in Spain

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Abstract

The Spanish National Statistics Institute reported that the total number of residents in Spain as of January 1, 2011 was 47,150,819 inhabitants, and out of them 5,730,667 were foreign nationals, representing 12.2% of the total number registered. It also reported that in the first quarter of 2011, the number of unemployed persons stood up 4,910,200 and the unemployment rate reached 21.29% which was the highest in the European Union. Apart from the registered population, it is said that a large number of illegal immigrants live in Spain, looking for decent jobs. Under the current situation, a lot of microcredit institutions have provided the poor with small-uncollateralized loans to alleviate poverty. Their strategies are focused mainly on the limited financial support. In 2009, one microcredit institution launched upon a new project which organized the poor and adopted an integrated approach that both financial supports and non-financial ones were implemented. This paper examines how this project tries to include the poor among the community, with a focus on financial supports and non-financial ones. First, it provides a general overview of this project. Then, it describes the relationship between the project side and the project's group members. Finally, it suggests that this project is a social business which contributes to social inclusion.

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