For more than 100 years, cooperative banks and social business enterprises have provided affordable financial services including micro-lending and microcredit to millions of people around the globe and serve members of all income levels, ethnic backgrounds, political beliefs and religions, in even the most challenging environments. Whether rural or urban, located in communities struggling with political unrest or confronting economic depression, cooperative banks serve people otherwise excluded from the financial system by offering them access to high quality and affordable financial services.

Cooperative banks and social business enterprises help overcome the financial market imperfections that perpetuate poverty by expanding and deepening access to financial services. For many of the world’s poor access to finance marks the difference between simply surviving and thriving. People without access to financial services have less opportunity to generate income, accumulate assets or build human capital.

This Banking Study Tour Program in Paris would promote the microfinance et inclusive social credit concept and to explain to the bank management of emergent continents as Africa, Mediterranean, Arabian, Asia, Latin America, the important role for the stability of the financial system at the regional and local levels. It is very much clear that cooperative-mutual banks have very much importance in sustainable development. Without the help of social credit and microfinance, millions of people in the world would belacking the much needful financial support.