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

Guillaume COBAT

• (2015) : Martine PINVILLE présente l’économie sociale et solidaire

• LCP "Thèmes de campagne : croissances" (2012) : L’économie sociale et solidaire : une nouvelle façon de faire la croissance‬

• Asiafoundation (2010) : Access to Credit‬: Women Entrepreneurs in Bangladesh

Book :

• Barthélémy, A. et Slitine, R. (2011), Entrepreneuriat social : innover au service de l'intérêt général, Editions Vuibert


• (2014) : Entrepreneur, pourquoi une banque vous dit "non" ?

• (2015). Les PME et les entrepreneurs doivent diversifier leurs sources de financement face à la persistance des difficultés de crédit

• Kauffman Foundation (2015) : Access to Credit Remains a Challenge for Entrepreneurs Despite Improving Economy

• Kiva : Loans that change lives

• L’Express (2014) : Economie sociale et solidaire (ESS): les trois nouvelles aides au financement


• (2015) : Créer sa boîte, c’est possible avec l’Adie !

• Le Labo de l’Economie Sociale et Solidaire (2013) : Regards d’économistes sur l’économie sociale et solidaire

• 3emeRI (2014) La Troisième révolution industrielle en Nord-Pas de Calais

Book :

• Alexander Osterwalder et Yves Pigneur (2011), Business Model nouvelle génération : Un guide pour visionnaires, révolutionnaires et challengers, Edition Pearson


• The Guardian (2013) : Solidarity economy: finding a new way out of poverty

• Caisse solidaire (2015) : Lancement de la charte des circuits courts économiques et solidaires

• Le Labo de l’Economie Sociale et Solidaire (2015) : Les Circuits courts économiques et solidaires

• Le Labo de l’Economie Sociale et Solidaire (2013) : Regards d’économistes sur l’économie sociale et solidaire

• Conseil National des Chambres Régionales de l’Economie Sociale (2012) : Panorama de l’économie sociale et solidaire


• RegioNetwork (2014) : ‪La politique de cohésion de l’Union européenne : investir dans vos régions et dans vos villes

• Le Labo de l’Economie Sociale et Solidaire (2013) : Les circuits courts de l'Economie Sociale et Solidaire

• Le Labo de l’Economie Sociale et Solidaire (2013) : "La Banque qui veut prêter plus"

• Up group (2014) : Tu connais l’Economie Sociale et Solidaire ?

Book :

• OuiShare, Société collaborative, La fin des hiérarchies (2015), Edition Rue de l’échiquier


• Le Labo de l’Economie Sociale et Solidaire (2014) : L’ESS dans la stratégie Europe 2020 :

• Le Labo de l’Economie Sociale et Solidaire (2013) : Des finances solidaires renforcées pour une économie sociale et solidaire en expansion

• Le Labo de l’Economie Sociale et Solidaire (2012) : France 2 diffuse un documentaire sur la Nef

• Le (2013) : Pour une économie sociale et solidaire "de combat"

• Chambre Sociale de l’Economie Sociale et Solidaire : Qu’est-ce que l’ESS ?


• CFAmériques (2014) : Qu’est-ce que l’économie sociale ?

• FranceTV (2013) : L'Economie sociale et solidaire, un secteur "créateur d'emplois" selon Benoît Hamon

• Up Group (2012) : Entretien avec Jean Philippe Poulnot, acteur majeur de l'Economie Sociale et Solidaire

Book :

• Shapiro, R. (2012), The Real Problem Solvers: Social Entrepreneurs in America, Stanford Business Books


• La Croix (2015) : La finance solidaire, vecteur de cohésion sociale

• Alternatives économiques (2012) : La finance solidaire aujourd’hui

• L’Express (2014) : Loi sur l'Économie sociale et solidaire (ESS): le guide pour l'entreprise

• Fast Company (2015) : Defining The Sharing Economy: What Is Collaborative Consumption—And What Isn't?

• Courrier Picard (2015) : 60 emplois créés dans l’économie sociale et solidaire à Amiens

Nathalie COMPAIN

• A Story about Social and Solidarity Economy by Challenging the Crisis

• Crédit Coopératif - Finances Solidaires

• TV5 Monde (2014) : France : l’avenir est-il à l’économie solidaire ?

Book :

• Rifkin J. (2010), The Empathic Civilization: The Race to Global Consciousness In a World In Crisis


• Jégourel Y. & Maveyraud S., The Financial Performance of Solidarity Investment Funds: the French Case

• Marques J. (March 2014), Social and Solidarity Economy, Between Emancipation and Reproduction, UNRISD website

• Masterson E. and T. & Teller-Ellsberg J. (2010), Solidarity Economy I: Building Alternatives for people and planet.

• Oxfamblogs (2013) : What is Social and Solidarity Economy and why does it matter?

• United Nations Research Institute for Social Development : (2014), Monnaie Complémentaire versus Microcrédit Solidaire et Tontines, UNRISD website

Faustine BINET

• Canal + 2015 documentaire d’Yvan Macaux

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


• Alternatives Economiques (2006) : Finance solidaire

• Le (2014) : La finance solidaire ne connaît pas la crise

• Le (2014) : Les assureurs se lancent timidement dans la finance solidaire

• The Economist (2015) : Advancing, not retreating

• The Guardian (2015) : Beyond Wall Street: the encouraging growth of new financial models