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Recently, in the boardroom of the Agency for Local Development and Employment of Cartagena (ALDE), has developed the fifteenth Microcredit Commission based on the agreement made ​​with Microbank la Caixa, which are awarded to microcredit without collateral business projects.

The purpose of this committee is to study the feasibility of such projects submitted by entrepreneurs that your credit history or your lack of guarantees has difficulties accessing bank finance through the usual channels.

The commission has a multidisciplinary and involved eight technicians of the City Councillors representing the following; Planning, Social Services, Women, Youth, Department of Trade and advice to entrepreneurs and SMEs Local Development Agency and Employment.

It has been studied and tentatively approved three projects:

- A franchise of clothes and shoes in the Old Quarter, a cafe-bakery products typical of Cartagena and the Region in the Historic Area. - A Butchers in the station area

These projects represent an investment of 79,970 euros and 23,120 microloans request, 13,000 and 8,500 euros respectively.

All three have been sent to Microbank La Caixa for final approval, and if so, the Local Development Agency and Employment is committed to monitoring and business advice during the first year of the company.

CONDITIONS OF MICROCRÃ ‰ appropriations

Purpose: Home, consolidation or expansion of micro-autonomous business and economic initiatives and freelancers.

Occasionally it may finance capital.

Beneficiaries: Individuals with a self autoempleo.Profesionales project with a yearly income of 60,000 legal euros.Persona.

Micro (less than 10 employees).

Maximum Amount:

25,000 euros (with a maximum of 95% of the investment).

Term:

Monthly

Period: 60 months including 6 months of default option.

Interest rate: Up to 31/12/2012: 8.25 from 31/12/2012 to ciento.A as described in the Third Covenant Convention.

Warranties:

Without collateral.

Requirement:

Having a business plan and a feasibility favorable report by the entity.

Source: Ayuntamiento de Cartagena