Initiative France is an NGO founded in 1985. This article looks at their approach to microcredit and their innovative approach to loan disbursement where loans are in fact trust-driven instead of return-driven. It must be emphasised that the gratuity of the loan does not represent a charitable act but an economic investment with the aim of mobilising the solidarity of members in the same local community to promote economic development. Consistent with its mission, it offers a personal microloan, “loan on trust”, with a zero per cent interest rate, unsecured and free of charge, complemented by human and technical assistance such as business elaboration, networking, coaching and monitoring.