Association for the right to economic initiative

The association for the right to economic initiative (Adie, pronounced adi ) is a French association recognized by public utility since 2005 (Decree of, published in the Official Journal on ), whose purpose is to allow people who do not have access to the traditional banking system (beneficiaries of social minima and unemployed) to create their own company (and thus their own job), thanks to microcredit . Adie is present throughout the French territory, as well as in the DOM and some TOM.


Adie was founded in 1989 by Maria Nowak , who remains the founding president. It was Catherine Barbaroux who chaired the association from 2011 to 2016. Frédéric Lavenir has been the president since September 2016. Since its creation, the association has granted more than 160,000 microloans.

Since 2005, Adie has been able to grant loans with positive interest rates to well-defined audiences by refinancing with financial actors (Article L511-6 of the Monetary and Financial Code) as well as loans from honors granted on own resources.

Internal operation


In 2017, L’Adie has a network of fifteen regional departments (503 employees and 1,285 volunteers), 129 branches and 196 branches located throughout the French territory (overseas and metropolitan).

External operation


Adie can be contacted by unemployed or RSA people who do not have access to the traditional banking system, that is, banks do not want to lend or even open an account. This can be the result of a temporary difficulty (banking prohibition, etc.) or, most often, a project of a too small amount.

The future creator of business (or micro ) then meets a counselor, Permanent Adie, who rides a loan file. This file is then examined by the credit committee, which decides whether or not to grant the requested funds. The examination focuses on the motivations of the person and his ability to be autonomous. The credit committee can request the help of a volunteer of the association who will have the mission to accompany the entrepreneur and help him overcome the obstacles that mark the creation of businesses (registration, taxes, etc. .)


In January 2016, Adie had granted, since its creation, more than 131,000 microloans allowing the creation of more than 94,000 companies (figures from the 2013 Annual Report of the association, available on the institutional website). In 2013, Adie issued 14,646 microcredits. Two years after their financing, micro-entrepreneurs are economically reintegrated to 84%.

Number of micro-credits granted by Adie since its creation
1990 1991 1992 1993 1994 1995 1996 1997 1998
34 91 159 278 388 698 852 1276 1492
1999 2000 2001 2002 2003 2004 2005 2006 2007
1,929 2,844 3,563 4,618 5,349 5,587 6,740 7,570 9,853
2008 2009 2010 2011 2012 2013 2014 2015
12,824 14,581 12,023 12,261 13,060 14,646 16,627 18,070


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