“TREMPLIN! Helping people move out of the informal sector”
About this good practice
Distrustful of the public authorities or discouraged by regulatory obstacles, tens of thousands of French people engage in informal activities by setting up businesses without registering them. Working informally means exposing oneself to risks that increase exclusion from society: no insurance, no pension rights, no access to state welfare…Registration of “informal activities” can lead to entrepreneurs becoming bankable, a necessary component for securing their business path, and for local development.
Special consultants identify informal entrepreneurs helping by specific partnerships with local and community associations with adapted communication tools.
The support focuses on:
- A diagnostic phase to evaluate the entrepreneur's background, skills and needs.
- A pre-registration phase (choice of legal status, related obligations, financial projections and registration procedures).
- Microcredit financing for business development.
- Additional modules are possible: Financial management: analysis of the entrepreneur's financial situation and strengthening of management skills.
Training guide covering all the topics of entrepreneurship and a monthly income-expenses booklet are provided.
This system makes it possible to reach an "invisible" public that Adie (or any other institution) would not otherwise reach and to restore trust in institutions and create economic value through formalised activity, enabling these entrepreneurs to gradually move off the welfare system.
Resources needed
Annual cost in Seine-Saint-Denis in 2023: 100,000€ for the operating part (communication, support, administration – covered by the structure, free of charge for beneficiaries) + 415,00€ for financial resources.
The scheme is supported by public and private funding (local Authorities + JP Morgan
Evidence of success
-7 start-ups in 2020, 62 start-ups in 2021, 86 start-ups in 2022, 85 start-ups in 2023
-In 2023, in Seine-Saint-Denis, 171 project microcredits were granted for a total amount of €415,000 (an average of €2,400 per person supported).
-Registration rate one year after: 50%.
-In 2021, Adie, with the help of KPMG, measured its socio-economic impact (SROI). The result: for every €1 of funding granted to Adie, there is a €2.53 economic impact for the local authority (after 24 months).
Potential for learning or transfer
The innovative nature of the project lies mainly in the specific support services that have been designed and deployed to enable beneficiaries to take the next step by making their business official.
The "Tremplin!" project made it possible to reach a fundamentally different audience by gradually guiding people with informal activities towards formalisation. The main source of referrals is "word of mouth" (51%), which is a guarantee of the quality of the programme, even if it is necessary to "reach out" to this specific target group.
The positive results of the experiment show that long-term individual support, combined with appropriate access to finance, leads to better results in terms of business registration.
Adie therefore wants to make this scheme a permanent part of its range of services and make it accessible in new areas, thereby becoming the benchmark player in terms of support for business registration.