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Of Mice and Unemployed: Rethinking Micro-Enterprise and Small Business

MFC Policy Paper No. 3: Of Mice and Unemployed: Rethinking Micro-Enterprise and Small Business, 2015 The paper discusses the complex relationships between firms size and job creation in the EU which shows that there is a need to better understand the dynamics of the job creation and destruction process. Promoting jobs through self-employment and small [...]

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Research paper: Financing Gap and SME Employment Growth: Beyond Access to Finance

MFC Research paper: Financing Gap and SME Employment Growth: Beyond Access to Finance The key aim of our research was to investigate the relation between the perceived changes in financing gap and employment growth by SMEs in the EU. The paper builds on and extends the analysis of SAFE survey data, in order to focus [...]

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Measuring Financial Inclusion in the EU: Financial Inclusion Score

MFC Research paper: Measuring Financial Inclusion in the EU: Financial Inclusion Score The paper presents a radical new approach to measuring financial inclusion in the EU: a financial inclusion score that treats financial inclusion as the efficiency with which a financial system transforms the conditions of access (infrastructure, regulations, etc) into the actual use of [...]

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EBA – Innovative uses of consumer data

Innovative uses of consumer data by financial institutions: A financial regulator’s view Rita Bairros - Consumer Protection, Financial Innovation and Payments, EBA 7th December 2016, European Banking Authority-  Access the presentation here

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Is debt relief rehabilitative?

Is debt relief rehabilitative? (Ahlström, R., & Edström, S., Savemark M.) The Swedish Consumer Agency, Report 2014

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Early detection and constructive response about households financial difficulties

Early detection and constructive response about households financial difficulties: EFIN Working paper EFIN Research - Working Group on Over-Indebtedness Participants : Iskra Balkanska (professeur-BG), Didier Gillet (Parcours Confiance-FR), Olivier Jérusalmy (EFIN-EU) Nadine Lilienthal (ESBG-EU), Nadzeya Sasnouskaya (EFIN-BE), Jan Siebolds (City of Amsterdam-NL), Theresa Tedd (Local Authority representative-UK), Fabien Tocqué (UNAF-FR)    

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Indicators to monitor over-indebtedness

Indicators to monitor over-indebtedness - EFIN Working Paper Working Group on Over-Indebtedness Participants: Justyna Pytkowska (coordinator – Microfinance Centre), Olivier Jérusalmy (EFIN), Andrea Falanga (EFIN), Beata Świecka (Szczecin University)  

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Unfair Lending Practices and Toxic Loans

Unfair Lending Practices and Toxic Loans - EFIN Working Paper Working Group on Over-Indebtedness: Participants : Farid Aliyev (BEUC), Anne Fily (BEUC), Olivier Jérusalmy (EFIN), Nadzeya Sasnouskaya (EFIN-BE)  

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Impact of Big Data on Financial services (FSUG paper)

Impact of Big Data on Financial services (FSUG paper) - COFACE presentation to the 7th December Conference "Personal Insolvency", EU Parliament, Brussels  

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Data on over-indetedness, costs and benefit, key preventive measures- A French case

Data on overindetedness and key preventive measures, cost and benefit analysis - A French case Crésus presentation at the EU Parliament - EFIN conference on 7th December 2016

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