La banque du développement social en Europe


CEB and Qredits sign a €16.6 million loan agreement to support micro-businesses in the Netherlands

2 août 2018

PARIS - The Council of Europe Development Bank (CEB) andQredits Microfinanciering Nederland signed a Framework Loan Agreement worth€16.6 million in order to facilitate access to financing for micro-enterprises and to support financial inclusion and job creation. 

In the Netherlands, entrepreneurship is an important driver of economic growth and job creation and, while microfinance has seen an important development since 2009, the supply of microloans to entrepreneurs is lagging behind a rising demand. 

Qredits is a social enterprise that supports entrepreneurs in the Netherlands to successfully start or invest in their company. The only microfinance provider operating nationwide and with the support of the Dutch government, Qredits has already provided more than 13,000 loans for a total amount of more than 260 million euros.

The CEB-funded programme, which is in line with the Dutch government’s objective of supporting social integration and financial inclusion, will target in particular self-entrepreneurs on social security benefits who would like to develop their own start-up. In addition to financing, it will provide training and technical advice. 

The programme is expected to make a significant contribution to the integration or re-integration into the labour market of unemployed and inactive persons, thus having a positive impact on job creation and preservation across the country. 

Elwin Groenevelt, CEO Qredits said: "The Council of Europe Bank is the ideal partner for us in view of its strong social mission. It is great that one of the largest social development banks in Europe is interested in the microfinance sector. We are convinced that with this loan we have started a long period of cooperation." 


CEB Governor Rolf Wenzel expressed his satisfaction with the project approved and said: “Facilitating access to financing for micro, small and medium-sized businesses is one of the CEB’s main lines of action. I am very pleased that entrepreneurs with plans to start a micro-business will benefit from this CEB loan, especially since the beneficiaries include vulnerable people such as migrants and unemployed persons.” 

Netherlands, a member country of the CEB since 1978, has benefitted from €766 million in loans to finance social projects, primarily in the sectors of job creation and preservation, energy efficiency and municipal investments.


Fondée en 1956, la CEB (Banque de Développement du Conseil de l'Europe) compte 41 États membres, dont 22 pays d'Europe centrale, orientale et du Sud-Est formant les pays cibles de la Banque. En tant qu'instrument majeur de la politique de solidarité en Europe, la Banque finance des projets sociaux en mettant à leur disposition des ressources levées dans des conditions reflétant la qualité de sa notation (Aa1 auprès de Moody's, perspective stable, AA+ auprès de Standard & Poor's, perspective positive et AA+ auprès de Fitch Ratings, perspective stable). Elle accorde des prêts à ses États membres, à des établissements financiers et à des autorités locales pour le financement de projets dans le secteur social, conformément à son Statut.

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