First assignment of group n° 111

First description of our project

First description of our project's idea
SSE Interactive Platform

1. What Problem do you want to solve ?

Currently, entrepreneurs who want to undertake social, sustainable and eco-friendly projects are facing two main issues:

- Lack of money to finance their project

- Lack of human resources and services to serve the operational aspect that will run the business.

Thus, to solve this problem, we want to create an interactive platform (cf description in the third part), on which these entrepreneurs would meet people who could then help them with the financial and operational aspects.

We are 6 students (Fabien, Guillaume, Xavier, Kahina, Nathalie and Faustine) located in Lille with few IT skills.

Then, our challenge is to find someone who is able to make our interactive platform.

2. Why does this problem exist?

This problem exists for mainly two reasons:

- Concerning the financing part, it is very hard for an entrepreneur to raise money on his own, because financial institutions (banks…) with the economic crises are less ready to lend money for these kinds of projects which are considered as unsafe and too much innovative because of the horizon and future that they cannot predict. Moreover, if they are ready to lend money, the interest rates are too high for the entrepreneurs and the risk is not taken by the bank but by the entrepreneur himself.

- Concerning the operational aspect, it is complicated to start an activity in good conditions when you have no money and no support. You have to do everything even if you are not specialised in this field. As a result, the tasks are not done properly as if they were made by professionals.

3. What breakthrough are you commited to creating?

We are going to create an interactive and easy-to-use platform.

First of all here are the steps to follow:

- Sign in on the platform and create an account where the entrepreneur could describe his sustainable and innovative project. He/She can also add an additional document like business plan, the funding plan, the market survey etc.…

- As it is an open source interactive platform, the files will be available for consultation by anyone. This way, financial institutions (which are subscribed on the platform) could get in contact and interact with the entrepreneurs thanks to our specialised messaging network, if they are interested in the project and want to go further and explore the application with the entrepreneurs.

- Concerning the operational side, our messaging network is one of our core businesses for the entrepreneurs and for all the potential support (helpers, potential contributors and financial institutions). From an entrepreneur point of view, it is a new way to explain his business needs (such as the creation of a logo, new ideas and the creation of a mobile app) and find people who will create emulation and a real support network.

- For potential contributors (people that are interested by innovative projects, SSE…), our messaging network is a way to interact with the entrepreneurs by giving advices and point of views. The potential contributors could also propose their skills freely or at a low-price (depending on the tasks and the extent of the project) towards the entrepreneurs to support their projects.

For instance, if an entrepreneur is looking for a loan and for designing a new logo in our interactive platform, he/she will find potential contributors like graphic students and financial institutions that will consider his/her needs and continue to the next stage of the process with him/her or not.

In short, our interactive platform would then create a bridge between today and tomorrow economy that will switch to a human-side focus.

Potential experts already identified

• Caisse Solidaire • La Nef • Autonomie et Solidarité • Les Cigales • Bpifrance

Resources used by the team

NAME OF THE MEMBER OF THE TEAM	ACCESSED RESOURCES
Guillaume COBAT	Videos: • Economie.gouv.fr (2015) : Martine PINVILLE présente l’économie sociale et solidaire http://www.economie.gouv.fr/ess-economie-sociale-solidaire • LCP "Thèmes de campagne : croissances" (2012) : L’économie sociale et solidaire : une nouvelle façon de faire la croissance‬ https://www.youtube.com/watch?v=qwQtj27NaeA • Asiafoundation (2010) : Access to Credit‬: Women Entrepreneurs in Bangladesh https://www.youtube.com/watch?v=zLV1MTpC5qA Book : • Barthélémy, A. et Slitine, R. (2011), Entrepreneuriat social : innover au service de l'intérêt général, Editions Vuibert Documents: • LesEchos.fr (2014) : Entrepreneur, pourquoi une banque vous dit "non" ? http://business.lesechos.fr/entrepreneurs/financer-sa-creation/entrepreneur-pourquoi-une-banque-vous-dit-non-60366.php# • OECD.org (2015). Les PME et les entrepreneurs doivent diversifier leurs sources de financement face à la persistance des difficultés de crédit http://www.oecd.org/fr/presse/les-pme-et-les-entrepreneurs-doivent-diversifier-leurs-sources-de-financement-face-a-la-persistance-des-difficultes-de-credit.htm • Kauffman Foundation (2015) : Access to Credit Remains a Challenge for Entrepreneurs Despite Improving Economy http://www.kauffman.org/newsroom/2015/02/access-to-credit-remains-a-challenge-for-entrepreneurs-despite-improving-economy • Kiva : Loans that change lives http://www.kiva.org/ • L’Express (2014) : Economie sociale et solidaire (ESS): les trois nouvelles aides au financement http://lentreprise.lexpress.fr/gestion-fiscalite/budget-financement/economie-sociale-et-solidaire-ess-les-nouvelles-aides-au-financement_1630206.html
Fabien PARADIS	Videos: • Adie.org (2015) : Créer sa boîte, c’est possible avec l’Adie ! https://www.youtube.com/watch?v=IZENLIkCt1A&feature=youtu.be • Le Labo de l’Economie Sociale et Solidaire (2013) : Regards d’économistes sur l’économie sociale et solidaire https://www.youtube.com/watch?v=3uGkGcHgt94 • 3emeRI (2014) La Troisième révolution industrielle en Nord-Pas de Calais https://www.youtube.com/watch?v=BPWn9IzPz18&feature=youtu.be Book : • Alexander Osterwalder et Yves Pigneur (2011), Business Model nouvelle génération : Un guide pour visionnaires, révolutionnaires et challengers, Edition Pearson Documents: • The Guardian (2013) : Solidarity economy: finding a new way out of poverty http://www.theguardian.com/global-development-professionals-network/2013/oct/09/brazil-solidarity-economy-labour • Caisse solidaire (2015) : Lancement de la charte des circuits courts économiques et solidaires http://www.caisse-solidaire.fr/blog/2015/06/09/lancement-de-la-charte-des-circuits-courts-economiques-et-solidaires/ • Le Labo de l’Economie Sociale et Solidaire (2015) : Les Circuits courts économiques et solidaires http://www.lelabo-ess.org/?Les-Circuits-courts-economiques-et • Le Labo de l’Economie Sociale et Solidaire (2013) : Regards d’économistes sur l’économie sociale et solidaire http://www.lelabo-ess.org/?Regards-d-economistes-sur-l • Conseil National des Chambres Régionales de l’Economie Sociale (2012) : Panorama de l’économie sociale et solidaire http://www.finansol.org/_dwl/panorama-ess.pdf
Xavier STEVENS	Videos: • RegioNetwork (2014) : ‪La politique de cohésion de l’Union européenne : investir dans vos régions et dans vos villes https://www.youtube.com/watch?v=gylVsA1tyPA#t=179 • Le Labo de l’Economie Sociale et Solidaire (2013) : Les circuits courts de l'Economie Sociale et Solidaire https://vimeo.com/69169802 • Le Labo de l’Economie Sociale et Solidaire (2013) : "La Banque qui veut prêter plus" https://vimeo.com/53159227 • Up group (2014) : Tu connais l’Economie Sociale et Solidaire ? https://www.youtube.com/watch?v=kX69DitE1mA Book : • OuiShare, Société collaborative, La fin des hiérarchies (2015), Edition Rue de l’échiquier Documents: • Le Labo de l’Economie Sociale et Solidaire (2014) : L’ESS dans la stratégie Europe 2020 : http://www.lelabo-ess.org/?L-ESS-dans-la-strategie-Europe • Le Labo de l’Economie Sociale et Solidaire (2013) : Des finances solidaires renforcées pour une économie sociale et solidaire en expansion http://www.lelabo-ess.org/?Des-finances-solidaires-renforcees • Le Labo de l’Economie Sociale et Solidaire (2012) : France 2 diffuse un documentaire sur la Nef http://www.lelabo-ess.org/?France-2-diffuse-un-documentaire • Le Monde.fr (2013) : Pour une économie sociale et solidaire "de combat" http://www.lemonde.fr/idees/article/2013/11/21/pour-une-economie-sociale-et-solidaire-de-combat_3517568_3232.html • Chambre Sociale de l’Economie Sociale et Solidaire : Qu’est-ce que l’ESS ? http://www.cress-fc.org/index.php/economie-sociale-et-solidaire
Kahina METREF	Videos: • CFAmériques (2014) : Qu’est-ce que l’économie sociale ? https://www.youtube.com/watch?v=k5nEI0bMMdc • FranceTV (2013) : L'Economie sociale et solidaire, un secteur "créateur d'emplois" selon Benoît Hamon http://www.francetvinfo.fr/economie/emploi/video-l-economie-sociale-et-solidaire-un-secteur-createur-d-emplois-selon-benoit-hamon_376634.html • Up Group (2012) : Entretien avec Jean Philippe Poulnot, acteur majeur de l'Economie Sociale et Solidaire https://www.youtube.com/watch?v=cV8mFOqAjgQ Book : • Shapiro, R. (2012), The Real Problem Solvers: Social Entrepreneurs in America, Stanford Business Books Documents: • La Croix (2015) : La finance solidaire, vecteur de cohésion sociale http://www.la-croix.com/Solidarite/Dans-l-economie/La-finance-solidaire-vecteur-de-cohesion-sociale-2015-05-18-1313199 • Alternatives économiques (2012) : La finance solidaire aujourd’hui http://www.alternatives-economiques.fr/la-finance-solidaire-aujourd-hui_fr_art_1152_59183.html • L’Express (2014) : Loi sur l'Économie sociale et solidaire (ESS): le guide pour l'entreprise http://lentreprise.lexpress.fr/creation-entreprise/etapes-creation/loi-sur-l-economie-sociale-et-solidaire-ess-le-guide-pour-l-entreprise_1544073.html • Fast Company (2015) : Defining The Sharing Economy: What Is Collaborative Consumption—And What Isn't? http://www.fastcoexist.com/3046119/defining-the-sharing-economy-what-is-collaborative-consumption-and-what-isnt • Courrier Picard (2015) : 60 emplois créés dans l’économie sociale et solidaire à Amiens http://www.courrier-picard.fr/region/60-emplois-crees-dans-l-economie-sociale-et-solidaire-ia167b0n646529
Nathalie COMPAIN	Videos: • A Story about Social and Solidarity Economy by Challenging the Crisis https://www.youtube.com/watch?v=a6fTpAyqSpk • Crédit Coopératif - Finances Solidaires https://www.youtube.com/watch?v=5FvLj8CuNeI • TV5 Monde (2014) : France : l’avenir est-il à l’économie solidaire ? https://www.youtube.com/watch?v=B-bKgEbfP5g Book : • Rifkin J. (2010), The Empathic Civilization: The Race to Global Consciousness In a World In Crisis Documents: • Jégourel Y. & Maveyraud S., The Financial Performance of Solidarity Investment Funds: the French Case http://www.univ-orleans.fr/gdre09/articles/JegourelMaveyraud.pdf • Marques J. (March 2014), Social and Solidarity Economy, Between Emancipation and Reproduction, UNRISD website http://www.unrisd.org/marques • Masterson E. and T. & Teller-Ellsberg J. (2010), Solidarity Economy I: Building Alternatives for people and planet. http://www.communityeconomies.org/site/assets/media/Ethan_Miller/Miller_Solidarity_Economy_Key_Issues_2010.pdf • Oxfamblogs (2013) : What is Social and Solidarity Economy and why does it matter? https://oxfamblogs.org/fp2p/beyond-the-fringe-realizing-the-potential-of-social-and-solidarity-economy/ • United Nations Research Institute for Social Development : (2014), Monnaie Complémentaire versus Microcrédit Solidaire et Tontines, UNRISD website http://www.unrisd.org/servet
Faustine BINET	Videos: • Canal + 2015 documentaire d’Yvan Macaux https://youtu.be/X9LcZyPN-3k Book : Rifkin, J. (2015), The Zero Marginal Cost Society: The Internet of Things, the Collaborative Commons, and the Eclipse of Capitalism, St. Martin's Griffin Documents: • Alternatives Economiques (2006) : Finance solidaire http://www.alternatives-economiques.fr/finances-solidaires_fr_art_223_31232.html • Le Monde.fr (2014) : La finance solidaire ne connaît pas la crise http://www.lemonde.fr/argent/article/2014/05/20/la-finance-solidaire-ne-connait-pas-la-crise_4421755_1657007.html • Le Monde.fr (2014) : Les assureurs se lancent timidement dans la finance solidaire http://www.lemonde.fr/argent/article/2014/10/09/les-assureurs-se-lancent-timidement-dans-la-finance-solidaire_4502993_1657007.html • The Economist (2015) : Advancing, not retreating http://www.economist.com/news/finance-and-economics/21660549-forecasts-decline-capitalism-are-premature-advancing-not-retreating • The Guardian (2015) : Beyond Wall Street: the encouraging growth of new financial models http://www.theguardian.com/sustainable-business/2015/jan/14/beyond-wall-street-growth-of-new-financial-models-circular-economy