More than 90 Crédit Agricole Points Passerelle, available at most of the Regional Banks, help people facing financial difficulties as a result of unforeseen circumstances by working with them to put together personalised solutions.
Since its creation, the Points Passerelle network has helped over 197,000 households.
The network also runs preventive initiatives including, on average, 9,000 budgeting workshops each year, some of them specifically for young people.
Advisors and volunteers involved in the Points Passerelle network are trained by IFCAM. The training covers legal, economic and relational aspects to ensure the support they provide is both caring and effective.
The Centre Loire Regional Bank has opted to train all its employees in how to help personal customers facing financial difficulties.
Since 2023, Crédit Agricole S.A. has been a patron of Crésus, a federated network of non-profits whose role is to support people facing financial difficulties and safeguard against excessive debt. As part of this partnership, it supports budget education programme Dilemme Éducation. This fun programme teaches young people about issues to do with day-to-day budget management through a workshop based around a board game* specially created by Crésus. The Group offers employees the opportunity to work with Crésus by co-leading Dilemme workshops as part of its J’agis skills mentoring programme.
In Spain, Sofinco runs financial education workshops with COCEMFE (Spanish Confederation of People with Disabilities) and publishes dedicated articles on its blog.
* Participants have to manage a budget made up of fixed and variable costs, answer questions on the subject of budget management, finance a project or face day-to-day events that have a positive or not so positive impact on their finances. To date, the Group’s financial support has made it possible to run 90 workshops attended by over 1,260 people.
Find the entire financial education topic :
-
Financial education at Crédit AgricoleToday marks the start in France of Financial Education Week, part of Global Money Week, an initiative coordinated by the OECD than has been running in 176 countries since 2012. Its twin goals are to encourage young people to take an interest in money matters and to raise awareness among adults and entrepreneurs of issues related to their finances and risk. -
Initiatives aimed at young peopleChildren are increasingly familiar with basic financial ideas. While 44% need explanations on how a bank account works and 52% on what a budget is, 71% are unfamiliar with stocks and shares and 69% with financial investments. Furthermore, they all mainly talk about money with their parents (93%), with their friends (76%) and at school (66%).This tells us that financial education is essential. -
Financial education for all customersEnsuring our customers are financially informed is a constant concern for the Group, particularly when it comes to the most complex financial concepts. This type of financial education comes in various forms.Below are just a few examples. -
Training: a key priorityIFCAM, the Crédit Agricole group’s university, plays a key role in financial education by offering training tailored to the needs of employees, directors and sometimes even customers of the Group: