PerMicro

Microcredit for Family and Business

Torino,

Italy

www.permicro.it

About PerMicro

PerMicro is one of the first Italian institution to grant microcredits and disbursements. Since October 2016, it has disbursed 14.169 microcredits, for a total amount of EUR 95,843,990 (2,232 business microcredits and 11,937 family microcredits). Its mission is to create employment and social inclusion through professional disbursement of microcredits, financial education and services for starting-up and supporting enterprises, with the aim of reaching the complete sustainability of its activity. PerMicro supports professionals with a good entrepreneurial idea and those with significiant financial needs (home, health, education), who are excluded from traditional credit channels because of insufficient credit history or precarious working position.

PerMicro reached sustainability at the end of 2015 and it is considered a successful business model in Europe.

PerMicro collaborates with the Association PerMicroLab to offer to its entrepreneurs important auxiliary services, such as mentorship and monitoring.

We became a B Corp because we believe, together with many others, that every day we must work for a better and more equal world, showing that we care about people and about environment.

We want to be protagonists of the change we seek by giving the opportunity of social and financial inclusion to those who are excluded from traditional credit channels.

The Change We Seek®

PerMicro seeks a big change in financial and social inclusion: they want to help people to move from an 'unbankable' situation to a 'bankable' one. This means that, thanks to microcredit, one day they will be able to have access to traditional credit channels.

It might seem unbelievable, but their mission is to lose their best customers!

What makes us a better company?

B Impact Report

Certified since: 

November 2016
Summary:

Company Score

Median Score*

Environment

Environment

The Environment section of the Assessment evaluates a company's environmental performance through its facilities; materials, resource, and energy use; and emissions. Where applicable, it also considers a company's transportation/distribution channels and environmental impact of its supply chain. This section also measures whether a company's products or services are designed to solve an environmental issue, including products that aid in the provision of renewable energy, conserve resources, reduce waste, promote land/wildlife conservation, prevent toxic/hazardous substance or pollution, or educate, measure, or consult to solve environmental problems.

2
7
Workers

Workers

The Worker section of the survey assesses the company's relationship with its workforce. This section measures how the company treats its workers through compensation, benefits, training, and ownership opportunities provided to workers. It also focuses on the overall work environment within the company through management/worker communication, job flexibility and corporate culture, and worker health and safety practices.

22
18
Customers

Customers

The Customers section of the Assessment measures the impact a company has on its customers. The section focuses on whether a company sells products or services that promote public benefit, and if those products/services are targeted towards serving underserved populations. Questions in this section will measure whether a company's product or service is designed to solve a social or environmental issue (e.g. improves health, preserves environment or creates economic opportunity to individuals or communities, promotes the arts/sciences, or increases the flow of capital to purpose-driven enterprises).

42
N/A
Community

Community

The Community section of the survey assesses a company's impact on its community. The Community section evaluates a company's supplier relations, diversity, and involvement in the local community. The section also measures the company's practices and policies around community service and charitable giving. In addition, this section includes if a company's product or service is designed to solve a social issue, including access to basic services, health, education, economic opportunity, arts, and increasing the flow of capital to purpose-driven enterprises.

11
17
Governance

Governance

The Governance section of the Assessment evaluates a company's accountability and transparency. The section focuses on the company's mission, stakeholder engagement, and overall transparency of the company's practices and policies.

13
6
Overall B Score
89
55

80 out of 200 is eligible for certification

*Of all businesses that have completed the B Impact Assessment

*Median scores will not add up to overall

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