Shaping the future of microfinance

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About us

European Microfinance Network is an NGO that connects microfinance institutions, social finance organizations, and other stakeholders throughout Europe (EU and candidate countries). Since 2003, with the help of members from EU countries and candidate countries, EMN has played an important role in cultivating collaboration, encouraging innovation, and knowledge sharing across the microfinance ecosystem. We partner with EU institutions like the EIF and EIB, as well as corporations, to implement projects across Europe. EMN, together with other partners, also developed the Code of Good Conduct to ensure high standards in microfinance operations and protect clients’ interests.

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Upcoming Events

Online
January 15 - August 31

Identify, protect and monetise IP assets

This is a free online training session organized by the European Union Intellectual Property Office (EUIPO) as part of its “Ideas Powered for Business” initiative. It’s designed for business advisers, consultants and other professionals who work with small and medium-sized enterprises (SMEs) and want to understand better how intellectual property (IP) can be used as a strategic business asset. 📌 […]
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The future of microfinance is stronger together

Our network

We are proud to have 95  members from 23 countries, including EU and candidate countries. Among these, 27 organizations follow the Code of Good Conduct, showcasing their dedication to high standards in microfinance. Inside EMN there are 11 national networks that are focused on advocating for microfinance as a tool for overcoming social and financial exclusion. Inside of EMN members are collaborating across regions in project consortia and also establish partnerships between themselves for developing dedicated financial products.

EMN amplifies its support for its members through partnerships with companies offering tailored value, enabling the creation of customized events and services. Members also receive assistance from EMN in applying for SIFTA technical support, organizing study visits, and obtaining the COGC. Additionally, EMN offers its support and knowledge to members in conducting research on specific needs, like impact assessments, ensuring they are well-equipped to thrive in the evolving microfinance landscape.

Explore our latest news

Latest news

The EUIPO – European Union Intellectual Property Office is offering two online training opportunities: one focused on IP for Business Advisers and the other on IP Monetisation Opportunities. You can find more information at the links below.

🔗𝗜𝗣 𝗳𝗼𝗿 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗔𝗱𝘃𝗶𝘀𝗲𝗿𝘀

🔗𝗜𝗣 𝗠𝗼𝗻𝗲𝘁𝗶𝘀𝗮𝘁𝗶𝗼𝗻 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀

We are excited to announce that UNESCO and EMN have joined forces to develop innovative resource mobilization mechanisms for the benefit of UNESCO-designated sites and programs.

The goals of this collaboration include:

  1. Mobilizing Funding: Attract public and private funding to support communities associated with UNESCO-designated sites and programs.
  2. Developing a Sustainable Investment Ecosystem: Create a network of stakeholders dedicated to establishing sustainable investment mechanisms for entrepreneurs within UNESCO-designated sites and programs.
  3. Supporting Business Development: Offer assistance in developing viable business plans for entrepreneurs in UNESCO-designated sites and programs.
  4. Recognizing and Sharing Local Knowledge: Conduct competency mapping to identify the skills and expertise of community members within UNESCO-designated sites and programs, facilitating knowledge exchange both within and outside the networks.
  5. Assisting MEN Member Institutions: Help member institutions expand services that enhance entrepreneurs’ resilience to climate change and prevent biodiversity loss. This includes providing both financial and non-financial support, as well as implementing risk management and environmental strategies.
  6. Facilitating Funding Initiatives: Promote funding opportunities for communities living in or around UNESCO-designated sites and programs, particularly those affected by natural disasters due to climate change.
  7. Raising Awareness: Inform the member community about the latest trends in sustainable farming and explore how these practices can be integrated with microloans and impact investing.

We look forward to sharing more updates with you soon.

We are delighted to announce that during the recent EMN General Assembly held in Cagliari on October 16th, we officially established a partnership with the European Union Intellectual Property Office (EUIPO).

This partnership aims to foster cooperation among financial stakeholders to improve access to finance for SMEs and start-ups. By enabling these enterprises to leverage their intellectual property (IP) as a tangible asset in financial and investment processes, we align with the EUIPO’s strategic approach.

Our collaboration will focus on the following key areas:

  1. Capacity Building: EMN and EUIPO will collaborate to develop initiatives that strengthen the capacity of Microfinance Institutions (MFIs) to recognize and value Intellectual Property Rights (IPRs) as part of the financial due diligence process.
  2. Awareness-Raising Activities: We will work together to raise awareness among European SMEs about the importance of protecting and managing their intangible assets.
  3. Exchange of Data and Information: EMN and EUIPO will promote the exchange of relevant knowledge, non-confidential data, and insights to better understand the specific needs and challenges that MFIs face regarding IPRs.
  4. Participation in Workshops and Events: We will encourage mutual participation in conferences, forums, and other relevant platforms.

 

EMN looks forward to collaborating with EUIPO to enhance support and services for SMEs.

The European Commission and the European Investment Bank (EIB) are organising the sixth edition of our flagship FI Campus 2025 event on 25, 26 and 27 November 2025 in Brussels, Belgium (in person only).

The event will also celebrate the 10th anniversary of fi-compass and our community of financial instrument practitioners.

FI Campus 2025 will cover key topics, reflecting on past developments and future directions in shared management financial instruments, including:

  • Ten years of fi-compass and the evolution of financial instruments;
  • Pioneers of financial instrument, their achievements and impact from the frontlines;
  • The future of Cohesion Policy beyond 2027 and the next CPR;
  • Innovative financial instrument solutions for a competitive future.
  • Financial instruments for sustainable and affordable housing.

Build your own FI Campus 2025 agenda on Day 3 by participating in parallel sessions:

  • ESF+ financial instruments for Social Economy in action;
  • New equity case studies (Romania, Sweden, Saxony);
  • Savings and Investments Union (SIU) to enhance financial opportunities;
  • Scale-up energy efficiency;
  • Communication and visibility for financial instruments;
  • Creating synergies for financing of migrant integration projects;
  • Financing Greentech: the role of equity, innovation and the clean industrial transition;
  • Urban development.

 

Register here!

Explore our latest publications, reports, and insightful studies

Latest publications

In this publication, the European Microfinance Network describes the latest legislative developments in Greece regarding microfinance.

Regulatory reports

Along with the evolution of microcredit over the last 20 years, the legislation on microcredit activities has formalised the presence of non-bank microfinance institutions (non-bank MFIs) in the market. In contrast to banks, non-bank MFIs are the primary microcredit providers in Europe, and they are not obligated to comply with full banking requirements to offer loans. Their main target clients are primarily excluded from the banking system, and therefore, non-bank MFIs play a key role in promoting financial inclusion. However, what is the current legislation for non-bank MFIs in Europe?
This paper examines the various legislative frameworks adopted in Europe. For EMN, this is part of a larger learning process that will help to identify regulatory approaches that are more conducive to the development of the sector. This is key to help policymakers improve their own framework, capturing the specificities of microcredit that EMN advocates for, based on EU good practices. For microfinance practitioners, this paper can be a practical tool to compare their context with that of their peers across Europe and engage in discussion with policymakers on regulatory issues.

Regulatory reports

This series of national fact sheets provides a snapshot of the various legislative frameworks concerning the provision of microcredit in Europe by non-bank financial intermediaries.
The reports cover the following thematic areas:
Regulation of lending activity
Supervisory framework for non-bank lending
Products
Incentives and support
Development of the existing framework for non-bank microcredit provision
Inclusive entrepreneurship and microenterprise development
Reports are compiled from information that was provided by EMN members operating in the different countries. The reports that are available are open and participatory documents. They will be periodically updated based on information received from members regarding the latest developments in the respective national regulatory frameworks. The aim is to provide a synoptic but up-to-date overview of the diverse regulatory environments in which non-bank financial intermediaries are operating in Europe.

Regulatory reports

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You can reach us anytime via emn@european-microfinance.org