THE VOICE
MICROFINANCE
We promote microfinance as a tool to overcome social and financial exclusion.
EMN
Conference 2026
Join us in Barcelona, Spain, from 14-16 October 2026, for insightful discussions and networking.
Resilience
Financial Health
Supporting vulnerable entrepreneurs through economic challenges.
European
Highlighting the impact of microfinance on social and economic inclusion since 2014.
Peer-to-Peer
visits
Exclusive for EMN members to explore best practices and deepen expertise on key themes
Latest opportunities
MICROFINANCE
Discover open calls for proposals, applications, and expressions of interest in the microfinance sector
Shaping the future of microfinance
Our work

Advocacy
The development of microfinance in Europe has encountered many legal and political obstacles. It is therefore important that the European Microfinance Network be strongly involved in advocacy on a wide range of issues related to microfinance, micro-enterprises, social and financial exclusion, self-employment and employment creation.

Knowledge Exchange
The peer-to-peer exchange visits, exclusively intended for EMN members, provide each EMN member with the opportunity to visit another member on a specific theme, in order to deepen the understanding of their work, to encourage exchange of good practices and to develop expertise. These bilateral exchanges, tailor-made to members’ needs and expectations, also facilitate cooperation and collaboration between EMN members.

Research
The development of microfinance in Europe has encountered many legal and political obstacles. It is therefore important that the European Microfinance Network be strongly involved in advocacy on a wide range of issues related to microfinance, micro-enterprises, social and financial exclusion, self-employment and employment creation.

Working Groups
EMN organises Working Groups to strengthen the involvement of its members in the Network. The activities carried out by the different Working Groups are very diverse: organisation of workshops, elaboration of research papers, publications, creation of new tools for microfinance management, etc.
Discover who we are
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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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 European Association of Service Providers for Persons with Disabilities (EASPD) launches today a joint statement on the next EU Budget, endorsed by 68 European networks and 288 national organisations from 32 countries. Together, the EUFunds4Social coalition calls on the European institutions to safeguard and strengthen a standalone European Social Fund (ESF) and European Regional Development Fund (ERDF).
The Multiannual Financial Framework (MFF) is the EU’s seven-year budget. Its current framework sets the spending priorities and ceilings for close to €2 trillion from 2021-2027. The two most relevant programmes for employment, education and social inclusion are the European Social Fund + and the European Regional Development Fund; which invests hundreds of millions each year into the inclusion of persons with disabilities. With the current framework coming to an end in 2027, the European Commission published last summer its proposals for the next 7-year programming 2028-2034. The highlight was a radical change to EU Funding, merging several funding streams (including ESF+ and ERDF) under National and Regional Partnership Plans. Both the Council of the European Union and the European Parliament are now negotiating their own positions on the Commission proposals.
To influence this process, the EUFunds4Social Coalition was set-up to bring the perspective of those who will ultimately be transforming funding into concrete initiatives for people across Europe, especially those most excluded. The Coalition now publishes its fourth joint statement. Launching the Joint Statement, Thomas Bignal, Secretary General of EASPD, highlights:
“the European Commission is right to want to make the biggest impact with the EU’s budget by focusing on big and strategic reforms. From our experience, the EU Budget is at its best when strategic priorities are set at European level, but the programmes themselves are adapted to regional needs. We already have a model for that: ESF+ and ERDF. Let’s build on what works, not overhaul a broadly successful system”.
Irene Bertana, Head of Policy EASPD, who also coordinates the EUFunds4Social Coalition, said:
“local and Regional authorities rely on the ESF+ and ERDF to fund social initiatives, including improving access to employment, education and training, and reaching out to those who need it the most. The EU Commission’s current proposal has less guaranteed funding for these initiatives, no earmarking for those most excluded, and risks that the EU budget becomes a bargaining chip between central and regional authorities. This is why we call for ESF+ and ERDF as strong, independent, and protected programmes.”
In more technical terms, the statement, endorsed by 356 organisations, including 68 European networks, calls on the European Parliament and Council of the European Union to:
- Secure strong and dedicated budgets for ESF and ERDF, at least equal to current budgetary funding levels adjusted for inflation, and provided as grants;
- Maintain the ESF as the EU’s core instrument for people-centred investment, aligned with the European Pillar of Social Rights, the EU Anti-Poverty Strategy, and the Social Economy Action Plan;
- Preserve current ESF earmarking for social inclusion, child poverty, material deprivation, youth employment, and capacity-building for civil society and social partners;
- Strengthen and mainstream the partnership principle across all EU funds, including direct funds, ensuring meaningful participation of social actors at all levels of governance;
- Reinstate and enforce enabling conditions to ensure EU investments uphold fundamental rights and support implementation of the UN Convention on the Rights of Persons with Disabilities;
- Improve access for small not-for-profit actors through simpler procedures, lighter reporting requirements, stable pre-financing, adequate co-financing, and national helpdesks.
The EUFunds4Social Coalition brings together European social services, NGOs, public health and service providers, lifelong learning and social economy actors, workers, and social partners. It represents millions of organisations, enterprises, and people, including those most excluded in society. Since March 2025, its actions aim to ensure social investment is strengthened, not weakened, in the next EU budget. The priority is ensuring that higher social spending is secured, and resources earmarked in particular for supporting the inclusion of disadvantaged people through the next EU budget. Read the full statement here.
Support Documents
- Joint Statement: “100 billion Euros for social spending? The devil’s in the details”
- Joint Statement “Time for Ambition: The EU needs a strong Social Fund to live up to its commitments”
- Joint statement: “Keep what works: 8 success factors for a future ESF+”
- European Commission – what is the ESF+?
- Helpdesk Project
- EU funds for social services: technical guidance on effective interventions
- MEPs demand a strengthened and separate European Social Fund Plus post-2027
- European Parliament Committee on Employment and Social Affairs Opinion on the proposal for a Council regulation laying down the Multiannual Financial Framework for the years 2028 to 2034
Created in 2020, the L’Oréal Fund for Women is an endowment fund dedicated to supporting grassroots organizations and associations that assist highly vulnerable women and girls and combat gender-based and sexual violence. The Fund supports projects that provide access to education, social and professional integration, and the protection of women’s rights, contributing to the resilience of women and girls in highly precarious situations.
While the 2026 call for applications has not yet opened, EMN members can prepare in advance and review the selection criteria. Having an account is required to apply:
New users: must review the selection criteria before creating an account.
Existing users: must confirm that they have read the selection criteria.
This is a unique opportunity for members to present projects that make a tangible difference for women and girls, and to gain visibility in the international social and microfinance community.
Check their website for more information and to review the selection criteria
EMN is excited to welcome Globus Bank as a new member of our network!
Globus Bank is a private commercial bank in Ukraine that focuses on supporting national recovery by providing sustainable and accessible financial solutions. Its mission is to promote economic stability and address the needs of micro, small, and medium-sized enterprises through tailored lending programs and sustainable finance instruments. The bank aims to accelerate Ukraine’s transition to energy independence by financing energy-efficient solutions for condominium associations and ESCO companies. Additionally, Globus Bank actively advocates for the economic interests of combat veterans by offering specialized preferential financial instruments.
All initiatives implemented by the bank are aimed at creating positive impact and are based on core values such as resilience, environmental responsibility, and social justice. By focusing on high-impact sectors, the bank ensures the sustainability of results and implements a results-oriented strategy. Globus Bank is committed to high social ideals and develops banking products that actively contribute to poverty reduction, peacebuilding, and the creation of a prosperous future for Ukraine.
Check the member profile.
Explore our latest publications, reports, and insightful studies
Latest publications
This 13th edition of the Survey on Microfinance in Europe, produced by the European Microfinance Network (EMN) and the Microfinance Centre (MFC), draws on data from 198 microcredit providers operating across 30 European countries in 2024.
While the primary focus is on EU-27 countries, the survey also includes data from candidate and potential candidate countries, offering a comprehensive picture of the sector’s European footprint. This edition places a particular emphasis on social outreach to vulnerable groups and microbusinesses.
Microfinance overview surveys
In this publication, the European Microfinance Network describes the latest legislative developments in Greece regarding microfinance.
Regulatory reports
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