Caisse d’épargne et ADIE : une configuration partenariale innovatrice

While market forces have been pushing cooperative savings and loan institutions towards the mainstream, partnerships between these institutions and associations involved in social microcredit have been forming due to forces of mutual assistance. The structure of this kind of partnership is studied in this article using the example of the Caisse d’épargne in the Ile-de-France-Paris region (CE IDF-Paris) and the Association pour le droit à l’initiative économique (ADIE) in Ilede- France, which are partners in lending to microentrepreneurs. Through a social economic approach, the institutional and organizational characteristics of this partnership can be identified as well as the perspectives opened. While this partnership can better respond to the needs of those excluded from the financial market, in the process it also contributes to modernizing the original aims of the Caisse d’épargne