Microcredit as a socio-economic integration tool for Migrants, Refugees. Case Study : ADIE, a non-for-profit organization providing MICROFINANCE Services, France.

Clotilde EKOKA DIKANDA , ADIE (Association pour le Droit à l'Initiative Économique)

In a context of increasing Wars in several parts and countries worldwide involving Military and Police forces, Rebel groups and mostly Civilians compelled to internal displacement or outside borders, at the same time in the Global North and Global South, Governments fearful of these migratory waves are closing their frontiers. World leaders claim publicly the rise of extremisms, the economic danger related to inflation and mass unemployment as well as the imperative of a national identity construction to justify the increasing rejection of Migrants, Asylum seekers and Refugees. Since the ratification of the United Nations Charter in 1945, armed conflicts have increased within States leading to several types of crises among which forced migration and displacement. Paradoxically, a Law “Asylum and Migration” was promulgated on January 26, 2024 in France to control immigration, while being one of the signatory countries of the Universal Declaration of Human Rights. An answer to what might be seen as a repressive law is the socio-economic integration of Migrants and Refugees. In France the action of ADIE has a significant impact on the integration of immigrants representing over 30% of the Clients’ portfolio, by allowing them to create their own businesses with access to microcredit.

Keywords: Migrant Populations and Refugees, International Migration, Inequality, Disadvantage and Discrimination, Population projections, forecasts, and estimations

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