A collaboration began already in 2019 and which is now confirmed for another three -year period. Among the Anti -usury Foundation Salus Populi Romani, promoted by the diocese of Rome and Banca Mediolanum and Mediolanum EF Foundation, a new agreement has been signed which facilitates the provision of funding in favor of “non -bankable” people, that is, with difficulty in having access to credit with ordinary paths and which are in evident difficulty. “We have dealt with and deal with many people and families,” explained Monsignor Benoni Ambarus, auxiliary bishop of Rome coveted diaconia of charity. «The first case did not end, while many other cases yes. But we didn’t stop because we have always said: “If these people do not find help in us where will they go? Where will they end?”
“A path, the one started in 2019”, explains Giustino Trincia, president of the Salus Populi Romani Foundation and director of the Diocesan Caritas of Rome, who “had a constant growth, confirmed by the concrete results and the positive feedback of the people helped, who encouraged to continue on this path”. It does not fail to underline “with pleasure that the project is renewed on the day of the memory of Saint Paul VI, because it was the pontiff who gave life to Caritas and first placed the question of the debt of poor countries bringing the themes of finance within the social doctrine of the Church. A pontiff who has encouraged the universal Church so much to courageously take steps forward to bring together the two faces of God’s love for everyone: that of charity and that of justice “. Starting from these assumptions, he recalls what we managed to do in favor of families and people thanks to the collaboration with Mediolanum. And he cites five qualifying points: first of all, the fact that access to credit has been allowed to subjects on the threshold of poverty or low income excluded from the traditional banking system, with innovative and replicable results. Secondly, as the secretary Fabio Vando also recalled, the alliance for the social and financial inclusion of population bands in difficulty. A risk sharing model (60% bank, 40% foundation) which represents almost a unicum in Italy. There is talk of rescue loan that responds to real and diversified needs, such as the consolidation of debts, housing needs and start of micro -enterprises, with particular attention to vulnerable families.
In addition, thanks to the Mediolanum Foundation, there is an external subject that verifies the conditions of access to the project and has an important role of accompanying and financial education. Thanks to this way of proceeding the success rate in the return is very high, with very few cases of difficulty, confirming the effectiveness of the accompanying and selection model.
Finally, a constant dialogue between the bank and the Foundation thanks to the territorial network of the diocesan Caritas.
Going to the numbers it has been seen that the beneficiaries of the loan are 53% of the family nuclei, with 13% of monogenial families mainly mothers with minor or adults dependent, the remaining 34% is represented by the sunshine people who have no other cohabitants. It focuses in the age group between 30 and 65 years of age 80% of those who received the loan.
“Banks have a duty to listen to the territory”, explained Giovanni Pirovano, president of Banca Mediolanum, “and to fully exercise their social function, helping to prevent the phenomenon of wear and promoting the financial inclusion of those honest families who, unfortunately, are considered” non -bankable “. With this spirit, the bank has chosen to renew its commitment in Lazio, an agreement that testifies to the concrete will to take on some of the economic inequalities that affect our community. The “rescue loan”, which turns 16, represents for us a tangible example of social responsibility: a conscious debt tool that can help people reconstruct their future, returning to them dignity and access to banking services and therefore full participation in civil life “.
With the renewal of the Convention for another three years Banca Mediolanum confirms, available to the Anti -usury Foundation Salus Populi Romani in Rome, a rotary credit line with a ceiling of 500,000 euros which will be used to grant loans with installment reimbursement to subjects in difficulty, identified thanks to the careful work of the Foundation in close collaboration especially with the listening centers of the territory. And undertakes to provide installment loans to subjects considered non -banking with a maximum duration of 5 years (60 months) – within the limits of the rotary ceiling indicated above – for a maximum amount for each individual financing of € 20,000.
