The Foundation is a signatory of the Customer Protection Pathway

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The Grameen Crédit Agricole Foundation is proud to be a signatory of the Cerise + SPTF Client Protection Pathway. This path guides financial service providers in implementing client protection standards, which are essential consumer protection practices in terms of product design and delivery, over-indebtedness prevention, transparency, responsible pricing, fair and respectful treatment of clients, client data confidentiality, and complaint resolution mechanisms.

The Customer Protection Pathway is a tool developed by CHERRY* and the Social Performance Task Force (SPTF)** to help financial services providers engage, make progress and ensure customer protection standards.

Edouard Sers, Head of Risk, Compliance, and Impact at the Foundation, expressed his enthusiasm for the launch of the Client Protection Journey: “When the Smart Campaign closed last year, I was worried that the industry would lose focus on client protection. As a partner of 76 MFIs in Sub-Saharan Africa, Southeast Asia, South Asia, Eastern Europe, and Central Asia, the Grameen Crédit Agricole Foundation pays close attention to their practices during each due diligence and stands ready to support them on their journey to excellence in client protection, through financing and technical assistance. I am delighted that CERISE and the SPTF are taking on this important role in our industry.”

Only collectively can we ensure the stability of the sector, especially in these times of climate change and pandemic. The Foundation therefore strongly encourages its partners to prioritize customer protection and join this important initiative.

 

Download the Joint Declaration

*CERISE is an association created in 1998 that promotes responsible, inclusive and ethical finance and works with various stakeholders in the sector to co-create social standards tools and social assessment tools that are free and accessible to all.

**SPTF is a non-profit organization that seeks to develop and promote standards and best practices for social performance management to make financial services safer for customers.

 

African Facility: technical assistance for ACFIME

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© Didier Gentilhomme

The African Facility is a mechanism set up in 2013 by the Grameen Crédit Agricole Foundation, in partnership with theFrench Development Agency (AFD), to support rural microfinance institutions in sub-Saharan Africa.

This system, which ends at the end of 2021, will have enabled 326 technical assistance missions to be carried out with 26 microfinance institutions for a total amount of €3.52 million in subsidies.

A look back at the program with an interview with Gaston Assagwe, Director General of theACFIME.

ACFIME (Community Agency for Micro-Enterprise Financing) is a Tier 3 microfinance institution (credit portfolio < 10 million USD) based in Burkina Faso. As of the end of December 2020, the institution served 21,504 clients with an outstanding loan of €1.9 million. It offers credit and savings products to a primarily female clientele (90%) and living primarily in rural areas (90%).

As part of the African Facility technical assistance program, consultant Pierre Houssou supported the institution in developing a risk map adapted to its challenges and its development strategy.

Why was developing a risk map important for ACFIME?

A microfinance institution founded in 2007, ACFIME has expanded its activities nationally with three branches and seven service points. From its inception, it established an internal audit department to ensure control of the institution's operations and anticipate risks. As part of the African Facility, the institution was assisted by consultant Pierre Houssou in developing a risk map. Today, periodic monitoring of the map allows for monitoring the evolution of each risk and rapid action to be taken to correct them.

What did you expect from the consultant? Did the results meet your expectations?

How to identify a risk, how to analyze it, how to measure its importance in a sustainable and viable way for the institution? Thanks to this mission, the internal audit department was first trained on the concept of risks and how to develop a risk mitigation plan. Since risks can be found in every position and every procedure or process, everyone's collaboration was essential to achieve the mission's second objective: the development of a risk map. The participatory approach used by Pierre Houssou (individual questions and answers, focus groups, votes, plenary sessions, etc.) allowed each ACFIME member to be an active participant in this major work of reflection and analysis.

 What could have been the avenues for improving this mission?

The duration of the mission could undoubtedly have been extended. But the outcome was very positive, and at the end of the mission, a risk management committee was established within ACFIME to independently update the risk mapping. We now have a precise risk mapping system tailored to financial, operational, and strategic risks, as well as effective management tools. The annual internal audit plan is also based on this risk mapping to help ACFIME evolve.

How did this mapping help you better manage risks during the Covid-19 crisis?

Since the implementation of this mapping, the identified risks have been the subject of a mitigation plan, the implementation of which has helped prevent and reduce existing risks. In the context of the Covid-19 crisis, the mapping helped ACFIME quickly turn to local financial partners, such as the Burkinabe government, to cope with the drying up of international funding, due to travel restrictions and health restrictions on a global scale.

 

SOLIDARITY BANKERS: TWO “DIGITAL STRATEGY” MISSIONS AVAILABLE

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©GODONG

Solidarity Bankers is a skills volunteering program launched by the Grameen Crédit Agricole Foundation and Crédit Agricole SA in 2018 with a dual objective: on the one hand, to support microfinance institutions and impact businesses financed by the Foundation with technical assistance, and on the other hand, to promote the skills of Group employees who wish to get involved in socially useful projects.

The missions can take place during the Solidarity Banker's working hours (skills sponsorship) AND/OR during holidays (volunteering).

Currently, two “Digital Strategy” missions are available in the field or remotely:

  • Field mission in favor of Smart Credit (Moldova)

Smart Credit is a microfinance institution founded in 2010 by five local professionals with a shared vision: to provide financial services to socially disadvantaged people and small Moldovan entrepreneurs. The institution has over 3,000 active borrowers and manages a portfolio of €4.4 million.

The selected Solidarity Banker will be responsible for assessing the institution's digital strategy and contributing to its development. Experience in IT project management and fluency in English are required.

For more information, see the mission sheet on ca-solidaires.fr.

  • Field or remote mission for OXUS (Kyrgyzstan)

OXUS Kyrgyzstan (OKG) is a microfinance institution that provides financial services to the working poor and underbanked in Kyrgyzstan. The institution serves 8,000 active borrowers and manages a portfolio of €6.4 million.

The selected Solidarity Banker will be responsible for supporting OKG in evaluating digitalization processes and developing a new digital strategy, including a detailed action plan. Experience in IT project management, ideally with digitalization projects, is required. Fluency in English is required; knowledge of Russian would be a plus.

For more information, see the mission sheet on ca-solidaires.fr.

To apply, send your CV and cover letter (or 2 paragraphs outlining your motivations) to:

 

 

[TESTIMONY] A SOLIDARITY BANKER IN CAMBODIA

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©Philippe Lissac/GODONG

Launched by the Grameen Crédit Agricole Foundation and Crédit Agricole SA in 2018, Solidarity Bankers is a skills-based volunteer program open to all Crédit Agricole Group employees in support of microfinance institutions or impact businesses supported by the Foundation.

Discover the opinion piece by Jean Baptiste Bounes, Solidarity Banker at SODICA, who carried out a remote mission between 2020 and 2021 in support of Phare Performing Social Enterprise (PPSE).

Fighting poverty through entrepreneurship

The Grameen Crédit Agricole Foundation, and more specifically the Solidarity Bankers program, were introduced to me by Eric Campos during a CACIF corporate plenary session in December 2019. I was immediately drawn to the Foundation's mission to combat poverty by promoting socially impactful entrepreneurship and inclusive finance in developing countries. I then contacted the Foundation to receive the various Solidarity Bankers offers and apply for those that matched my motivations and skills.

After several interviews conducted by the Foundation team, I was selected to advise PPSE in Cambodia on its fundraising strategy.

The proposed mission met my expectations in every way: to be able to put my skills to good use on a project with a strong social impact in a difficult context linked to Covid-19; to discover a new culture and to get out of my professional comfort zone.

The challenge of this mission was to be able to successfully collaborate remotely over a long period while maintaining intensity in the fundraising process.

A remote mission during a pandemic

Due to restrictions related to the health context, I participated through my intervention with PPSE in the Foundation's first remote Solidarity Bankers mission.

Unlike field missions, which typically take place over two consecutive weeks, my mission was carried out one day per week over 15 weeks. This schedule was better suited to a fundraising operation, allowing me to be present alongside the manager and shareholders for the long term.

Real educational work was carried out during the first discussions to ensure that the level of understanding of the different issues was the same for each participant.

Additionally, weekly meetings were organized to maintain close collaboration despite the distance. Defining the various stages of the process in advance also facilitated its smooth execution. This planning allowed the Foundation to consider new remote missions with confidence.

Skills volunteering: an experience to be repeated

This experience was very enriching, both on a human and professional level.

First of all, the real autonomy I was given allowed me to ask myself the right questions, assert myself, and gain the confidence to successfully complete my daily tasks. This experience undoubtedly marked a turning point in my professional career.

I also had the chance to work alongside a company with a strong social impact and Impact Investing funds, which was really important to me as I find this world exciting and promising.

This mission also brought me a lot on a human level. I discovered a very different culture and met inspiring and enriching people.

I would particularly like to thank Dara Huot, CEO of PPSE, for her extreme generosity, kindness, and trust. The investment in terms of time and workload is certainly significant, but if I had to do it all over again, I would do it again without hesitation.

 

 

African Facility: technical assistance for GRAINE SARL

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© Didier Gentilhomme

 

The African Facility is a mechanism set up in 2013 by the Grameen Crédit Agricole Foundation, in partnership with theFrench Development Agency (AFD), to support rural microfinance institutions in sub-Saharan Africa.

A look back at this program through the testimony of Eléonore Marie Céline Compaore-Gyebre, Manager of GRAINE SARL.

Founded in 2006, the Burkinabe microfinance institution GRAINE SARL (Investment and Savings Support Group) is a Tier 3 organization (credit portfolio < 10 million USD). At the end of December 2020, GRAINE SARL offered group and individual credit products to 17,926 clients, mainly women (75%), living in rural areas (66%), for an outstanding credit of €4.9 million.

As part of the African Facility technical assistance program, GRAINE SARL received support throughout its digital transformation process. Consultant Thomas Carrié assisted the institution with the implementation of new integrated cloud-based information management software, secure data migration, and user training.

Why was the implementation of a new Information and Management System (MIS) important for GRAINE SARL?

By 2018, we had reached a level of growth that required more powerful information management software than the one we were using. Consolidating data and producing reporting had become unachievable within the required timeframe. In addition, given the extent of the network (6 branches and 29 service points), we wanted to develop innovative financial products to better meet customer needs and improve our profitability. The acquisition of new integrated software allowed us to interconnect all the counters as well as the head office. This tool allowed us to have a consolidated view of the information collected in the field in real time, to make data collection more reliable, to secure it and to develop new products.

What did you expect from the consultant? Did the results meet your expectations?

Beyond the acquisition of this new software, we needed someone with a deep understanding of the microfinance sector and the issues surrounding digitalization. Thomas Carrié, working with Yempabou Samuel Nidjergou, based in Ouagadougou, provided excellent support, from defining our needs to configuring and deploying the software. They then helped us manage data migration and user training, all while respecting the deadlines! We are very satisfied with the service, both in terms of the consultants' expertise and interpersonal skills.

What is your assessment of this mission and what could have been the areas for improvement?

Previously, each counter operated in a non-centralized manner, and the GIS was cumbersome. Since everything was manual, verification was difficult and the risk of error high. Furthermore, monitoring and maintaining all the servers was expensive. Centralizing data using the new cloud-based GIS allows us to monitor the status of operations on a daily basis and guarantee the security and reliability of the information collected. The GIS has thus saved us time, money, and security. We are now completely satisfied with it, even if updates are sometimes faulty due to power outages or poor internet connectivity in the country.

Have you improved customer satisfaction or developed new products or services using GIS?

The reliability of the information is now optimal, and we obtain 90% of customer satisfaction. The new GIS has allowed us to offer new local services such as the digitalization of tontine collection (daily savings collection).), the establishment of the SMS Banking[1] and the ability to make credit disbursements or savings deposits regardless of the service point. We want to strengthen the digitalization of information collection. To this end, we will equip our agents with digital tablets so that they can record all information concerning potential customers in the field.

 

[1] THE SMS Banking is a form of Mobile Banking allowing MFIs to send messages to their clients' mobile phones. This service also allows clients to carry out certain operations via SMS (for example: making a savings deposit or withdrawal).

The Foundation, partner of the 1st edition of the Impact Finance Barometer

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The Grameen Crédit Agricole Foundation is a partner in the first edition of the Impact Finance Barometer, launched at the Zero Exclusion, Zero Carbon, Zero Poverty Global Forum on September 2, 2021. This publication, coordinated by Convergences, is the result of a collaborative effort bringing together impact finance experts, analysts, investors, and microfinance institutions. It compares different visions of impact investing and financial inclusion around the world.

With the theme "financing social and environmental transitions," this Barometer presents key figures from the sector and the levers for developing inclusive finance that serves people and the planet. How can funding be redirected toward an impactful project? How can investors and project leaders connect? Is there a common measure of impact?

This edition also looks back at the challenge of financial inclusion in the face of the Covid-19 crisis, and in particular the impact of this crisis on microfinance institutions.

Edouard Sers, Director of Risks & Impact at the Foundation, spoke on this subject at the 3Zero World Forum:

“The Covid-19 crisis has had a significant impact on the Grameen Crédit Agricole Foundation’s partner microfinance institutions (MFIs), an impact that should be nuanced depending on the region and the countries affected. The two main financial consequences of the crisis have been a generalized increase in credit risk, which has impacted profitability (especially in 2020) and, consequently, an impact on equity. At the beginning of the year, 60% of the MFIs surveyed thought they needed new equity. By mid-2021, the latest surveys we conducted show that one in five MFIs is still looking for a solution to adequately recapitalize. On the other hand, there has been no widespread liquidity crisis, and despite the loss of profitability for many, the sector has generally demonstrated responsibility by maintaining jobs. We therefore remain optimistic given the sector’s great resilience. In order to support its partners, the Foundation continues to develop its financing and technical assistance offerings.” It also regularly shares the findings of its Covid-19 Observatory based on surveys conducted in partnership with ADA And Inpulse to collect the feelings of the actors on the ground.

Discover the Barometer here .

Discover the report from the Grameen Crédit Agricole Foundation: “The impact of the Covid-19 crisis on microfinance institutions. Findings and perspectives” ".

The Foundation works towards the financial inclusion of refugees

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© Didier Gentilhomme

Since 2019, the Grameen Crédit Agricole Foundation, Swedish International Development Cooperation Agency (AIDS) and the United Nations High Commissioner for Refugees (UNHCR) join forces to support refugee populations in Uganda.

The Foundation has been selected by the Swedish International Development Cooperation Agency (Sida) and the United Nations High Commissioner for Refugees (UNHCR) to design and coordinate an innovative program aimed at improving the livelihoods, resilience and financial inclusion of refugees and host communities in Uganda.

Hanadi Tutunji, Financial Inclusion Officer at the UNHCR, looks back on this four-year joint program.

How is financial inclusion a sustainable solution for refugees in Uganda?

Uganda hosts approximately 1.5 million refugees and asylum seekers, making it the largest host country in Africa and the third largest in the world. It has one of the most progressive refugee policies in the world and is a leading country in implementing the Comprehensive Refugee Response Framework (CRRF) and the Global Compact on Refugees (GCR). In Uganda, refugees live in settlements close to host communities and have access to the same national public services, including health, education, water, livelihoods, and sanitation. Refugees also have freedom of movement, the right to work, and have been included in the country's National Development Plan III.

A large majority of the refugees (94%) live in 13 settlements located in the southwest and north of the country. The remaining 6% live in urban areas near Kampala. Despite Uganda's progressive and inclusive policies, the poverty rate among refugees is nearly twice that of host communities, creating challenges for peaceful coexistence and security issues, particularly for women, girls, and people with special needs.

In 2020, the World Food Programme reduced food rations for refugee populations by 301,000 people due to a lack of funding. The impact of this reduction in food rations was compounded by the COVID-19 crisis and the nationwide lockdown. As a result of the lockdown, 131,000 refugees were forced to stop working (especially those living in urban areas), further increasing their food and financial insecurity.

Durable solutions must therefore be found to address the humanitarian and development challenges facing Uganda, particularly given the large number of refugees in protracted displacement.

Financial inclusion helps increase refugees' access to financial systems, expand economic activity, and promote microenterprises and self-employment. Financial and non-financial services offered to refugees help them sustainably meet their needs. It is therefore important to engage with and facilitate the private sector to develop and deliver tailored financial services to refugees, including access to savings, loans, insurance, and remittances.

Can you explain the specifics of the program?

The program aims to improve access to credit for refugees and their host communities so they can develop income-generating activities. The program's ultimate goal is to improve the resilience of approximately 100,000 households among these populations.

This program, which leverages mixed financing (public and private capital), includes three components: a lenders' guarantee fund, debt financing for three microfinance institutions (MFIs) and technical assistance for MFIs and refugees.

UNHCR shares socioeconomic data, facilitates access to refugees, trains MFI staff on refugee needs and protection, and monitors refugees' participation in financial and business training. The Grameen Crédit Agricole Foundation, with financial support from Sida, provides the technical assistance component of the program, which aims to provide refugees with non-financial services, such as business training and financial education. Technical assistance also helps cover some of the initial set-up costs incurred by MFIs to expand their lending operations to refugees.

Thanks to the program, MFIs were able to open new branches in the districts of Moyo (Parlorinya settlement), Yumbe (Bidibidi settlement), and Isingiro (Nakivale settlement), where many refugees live. As of the end of March 2021, 14,777 loans had been granted by the MFIs benefiting from the program, including 6,423 loans (44%) to refugee populations. 19,294 people had also benefited from training. Since the program targets both refugees and their host communities, it facilitates links between communities, thus promoting their peaceful coexistence.

What are UNHCR's priorities and perspectives for financial inclusion worldwide?

Refugees' financial needs evolve over time, ranging from financing survival means at the time of arrival to more comprehensive services such as savings, payments and credit at a later stage.

Financial inclusion represents a stepping stone from humanitarian assistance to sustainable business development. UNHCR ensures that refugees and vulnerable people in host communities have access to affordable and appropriate financial services, and that responsible financial service providers deliver these services.

To strengthen financial inclusion, UNHCR aims to expand its partnerships in the future, continue to support and motivate its partners to provide sustainable services to refugees, and support them in their advocacy efforts to improve the regulatory framework.

 

 

[INTERVIEW] African Facility: technical assistance for MLF Zambia

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© MicroLoan Foundation (Zambia)

The African Facility is a mechanism set up in 2013 by the Grameen Crédit Agricole Foundation, in partnership with theFrench Development Agency (AFD), to support rural microfinance institutions in sub-Saharan Africa.

This system, which ends at the end of 2021, will have enabled 326 technical assistance missions to 26 microfinance institutions for a total amount of €3.52 million in subsidies.

 A look back at this program through the testimony of Jack Ngoma, Executive Director of MLF Zambia.

Established in 2008, MLF Zambia is a Tier 3 microfinance institution (credit portfolio < 10 million USD). At the end of December 2020, the institution offered credit products and training to a clientele of almost 23,000 women living in rural areas, for an outstanding loan of €830,217. As part of the African Facility's technical assistance program, MLF Zambia was supported in developing a business plan for the period 2021-2025. The consultant in charge of the mission, Thomas Lendzian, from Tukumuka Consulting, enabled the institution to frame its strategy and define an operational action plan, in particular to enable MLF Zambia to expand into new areas and find new sources of financing.

 Why was developing a business plan important for your institution?

An outside perspective was needed to thoroughly analyze the microfinance market in Zambia, to enable us to clearly position ourselves and strengthen our competitiveness. Furthermore, we wanted to be able to effectively communicate our long-term objectives to stakeholders, some of whom are potential investors. The support of the Grameen Crédit Agricole Foundation was very useful at every stage of the business plan implementation.

 What did you expect from the consultant? Did the results match your expectations?

We were looking for a firm with microfinance expertise and field experience that would help us improve our business planning process. Thomas Lendzian, from the local consulting firm Tukumuka Consulting, was the ideal candidate, and it turned out to be a particularly judicious and relevant recruitment. We appreciated his knowledge of the different regions of Africa, and Zambia in particular, as well as his understanding of industry strategies and trends. The business plan allowed us to better understand the local sector and precisely define our growth projections. We are now equipped to compete and have clarified our long-term objectives. Developing this business plan also allowed us to more clearly communicate our organizational objectives to our staff and stakeholders, and to approach investors identified as relevant.

 What are the priorities defined in the business plan? 

Among the strategic pillars of the five-year business plan, we are targeting significant growth, with the goal of serving 80,000 clients by 2025. We also aim to strengthen our operational efficiency through a revised lending methodology using agent networks and smart technology. We are also focusing on product diversification to provide clients with access to flexible credit products tailored to their activities, particularly agricultural ones. Through the formulation of this business plan, we also hope to establish strategic partnerships with relevant investors and business partners. Finally, strengthening MLF Zambia's social impact, particularly through client retention and improving women's living conditions, is a major objective for the coming years.

 

The agricultural sector in Africa analyzed by the Foundation for Agriculture and Rural Affairs in the World (FARM)

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© Didier Gentilhomme (Benin)

The Foundation for Agriculture and Rurality in the World (FARM) is a recognized public utility foundation, whose mission is to promote efficient agriculture and agrifood sectors that respect producers, consumers and the environment, particularly in countries of the South.

At the interface between action and research, FARM fuels debates between decision-makers and development actors through the publication of studies, the organization of events and its contribution to pilot projects.

The agricultural sector in Africa, and particularly in sub-Saharan Africa, has also been a central focus of the Grameen Crédit Agricole Foundation's work since 2008. We invite you to discover the latest articles published by Jean-Christophe Debar, consultant for FARM, on the financing of agricultural policies and the food dependency of the African continent.

The vast majority of governments in sub-Saharan Africa are struggling to meet the commitment made in Malabo in 2014: to devote at least 10 billion of their budgets to agriculture. The economic crisis and rising debt levels due to Covid-19 are making it even more difficult to support the agricultural sector, which is a major challenge in terms of food security, combating deforestation, and adapting to climate change.

Contrary to popular belief, sub-Saharan Africa's reliance on food imports is relatively modest: around 15 to 20 percent of consumption, depending on the country. However, Africa may need to rely more on global markets due to soaring demand driven by population growth, the negative impact of climate change on yields, and the need to combat deforestation.

A founding member of FARM, the Crédit Agricole Group is now increasing its financial support to enable it to expand its scope of study, broaden its scope of intervention, and strengthen its methods of action. The Grameen Crédit Agricole Foundation is also involved in this new FARM development plan by implementing resource synergies and joint forward-looking discussions starting in 2021.

Discover the entire FARM blog

 

 

The Foundation provides skills support to the Plastic Odyssey LAB

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© Yann Vanbesien

19 tons of plastic enter the ocean every minute, less than 10% of the plastic produced is recycled, and 80% of marine pollution comes from coastal cities in the poorest countries. Faced with this observation, the teams of Plastic Odyssey decided to take action by organizing a round-the-world expedition on their ambassador ship. The goal? To build a global network of local plastic recycling initiatives. On board their ship, sorting, recycling, and pyrolysis technologies are made available to entrepreneurs to help them recover waste.

Alongside this expedition, the project's crew members launched their "Plastic Odyssey Lab" (PO LAB) acceleration program to provide skills training to recycling entrepreneurs. Following an initial call for projects in France, six successful candidates were able to join the ambassador ship in July 2021.

On the program:

  • Technical support from Plastic Odyssey engineers, which allows the winners to test their manufacturing processes using on-board recycling machines
  • Entrepreneurial support provided by the Crédit Agricole group via the Grameen Crédit Agricole Foundation and the Regional Banks.

Drawing on its expertise in promoting impactful entrepreneurship, the Foundation has specifically designed training modules for the PO LAB winners, all startups:

" We first analyzed the winners' projects and needs, most of them well in advance of their entrepreneurial adventure. In particular, we helped them develop an impact business plan, or, for the most advanced, to specify possible technical and financial partnerships in the impact sector. We also needed to analyze the needs that the PO LAB could meet during their incubation. Once their needs were identified, we sought out the best experts in the Crédit Agricole Regional Banks (CRCAs) linked to the winners' regions. During the PO LAB, the winners benefited from individual sessions with each expert from the CRCAs and Village by CA, on topics such as marketing, human resources, and local financing. In addition, group sessions were organized with the Foundation on the financial structure and strategy of an impact company and the specific nature of fundraising for impact startups. » – Céline Hyon-Naudin, Social Business Investment Officer, Grameen Crédit Agricole Foundation

Once the PO LAB is completed, the Foundation continues its entrepreneurial support for the winners by organizing a new training session in Marseille this fall:

" Individual sessions on specific themes are planned after the PO LAB with the Foundation, to give the winners time to integrate their technical tests into their entrepreneurial project. We are currently working on these modules and the following issues could be addressed, for example: Which business model should be chosen (NGO, ESUS, SAS)? Which product strategy should be adopted to best meet the identified social and environmental needs? How to organize logistics flows (waste supply, inventory management, distribution of finished products)? » – Céline Hyon-Naudin

The boat is currently moored in Dunkirk, and the Plastic Odyssey teams plan to launch their Mediterranean expedition in late fall 2021. Other PO LAB sessions are planned in countries around the Mediterranean. In Egypt and Morocco, Crédit Agricole Group networks are also mobilized to support this acceleration program. This is a fine example of the Crédit Agricole Group's collective commitment, in line with the Societal Project.

 

Learn more about Crédit Agricole's support with Plastic Odyssey.

 

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