Loans without Jobs

An important initiative initiated by the Pastoral Development of the Solidarity Economy to guarantee the work of its citizens.


The SPES fund , thanks to agreements with leading banks, allows access to five-year loans for the start of new autonomous activities (commercial, craft, production and services).

What is worth stressing is that no capital guarantees will be required for the loan but the preparation of a business plan from which the feasibility and profitability of the initiative can be identified.


These are micro – credits of 20 thousand euro at zero interest rates repayable up to a maximum of five years to help the unemployed and those left without work who have a project idea to implement, but do not have the necessary financial resources. In practice, starting October 5, those wishing to start a new business, or as was pointed out this morning at the press conference, those who want to emerge from the black work, must fill out a form present in the parishes of the territory; the questions will be forwarded to a special commission that will evaluate the exclusive criterion of the feasibility of the project and the moral qualities of the applicant. The whole phase of the initial start-up will be followed by a competent tutor and this is the great novelty of the challenge.


The project is part of the work carried out by the foundation “In Nome della Vita Onlus” chaired by prof. Sergio Sciarelli who, at the behest of Cardinal Sepe, has been formed to coordinate and support specific projects of solidarity and intends to carry out a concrete intervention to help combat the serious problem of unemployment. In this direction, this initiative is active for the promotion and support of self-employment through the microcredit mechanism .