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SUPPORT ACTION CONTRE LA FAIM THROUGH SOLIDARITY-BASED SAVING! WANT TO MAKE YOUR SAVINGS HAVE A POSITIVE IMPACT ? WANT TO DO SOMETHING MEANINGFUL WITH YOUR MONEY ? FIND OUT ABOUT THE SOLIDARITY-BASED FINANCIAL PRODUCTS THAT WILL SUPPORT OUR ACTIVITIES.
In France, through solidarity-based saving, you can use your money to fund projects with a social, humanitarian or environmental impact. Several independent certification labels are currently in place and strive to guarantee the solidarity-based nature of these products.
The aim of solidarity-based saving is to put savers who want to invest ethically (individuals, businesses, etc.) in touch with organisations involved in this type of investment. You can save this way through certified financial products distributed by certain banks, employee savings schemes or direct investment into the capital of an SSE (social and solidarity economy) business.
For your savings plan, you can choose products with labels managed by FAIR – the group of finance providers with a social impact. There are other organisations active in this sector that offer attractive savings schemes. Many finance establishments are prioritising transparency and a sustainable solidarity commitment to support more and more associations.
How can my savings play a role in encouraging economic, social and environmental development in developing countries and have a positive impact on the lives of people facing difficulties? It couldn’t be any simpler :
In partnership with banks, insurance providers and asset management firms, we have implemented financial facilities that allow you to take action, through the donation of interest and solidarity-based investment.
Donations to Action contre la Faim are eligible for tax relief of 75% of the amount of the donation, up to a maximum of €1000 (according to 2021 declaration rules).
If the donation is more than €1000, the tax relief becomes 66% for the remaining amount of the donation, up to a limit of 20% of your taxable income.
With this type of savings scheme, you will use the interest on your savings account to help people facing difficulties and save lives! Make your money productive over time and help Action contre la Faim to fight hunger for the long term.
Among the solidarity-based bank partnerships out there, Action contre la Faim has several solidarity-based savings products in partnership with Crédit Coopératif, the cooperative bank.
As the bank of the social and solidarity economy, businesses of the real economy and citizens who share the same humanist vision of the world, Crédit Coopératif works with its customer-members to build a real, fairer, more local, more environmentally friendly, more human economy. Crédit Coopératif innovates and strives to build a socially engaged finance model, giving its customers the power to act individually and collectively.
The ‘Act’ (‘Agir’, in French) savings account delivers interest of 0.75% per year. Your capital is guaranteed and your savings are available at all times. With this savings account, 50% of the annual interest you earn is automatically paid to Action contre la Faim at the end of the calendar year. You will receive a tax receipt, with which you can deduct 75% of the donation made via your Act account from your taxes. *up to €15,300 and 0.05% gross/year beyond that.
This is a new solidarity-based finance tool to support the social and solidarity economy.
The solidarity-based sustainable development savings account (previously called Codevi) is an interest-bearing savings account with access to funds at all times. Deposits and withdrawals can be made freely. The limit for the LDDS is €12,000 and its annual interest rate is 0.50%.
Following the Sapin II bill, which came into effect in France in October 2020, the LDDS allows savers to donate to charities (to contribute towards ACF’s humanitarian missions, for example).
Action contre la Faim is an LDDS beneficiary association at Crédit Coopératif, Boursorama, Société Générale and BforBank. Once you have notified your bank of how much you wish to donate, the bank will pay it to us directly from your LDDS.
This way, your savings will have a direct impact on our work and help us to take action against world hunger.
If you would like more information about the different solidarity-based savings accounts available to you, get in touch with us.
Created in 1987 by Crédit Coopératif, this investment fund helps several French associations financially so that they can fight against world hunger. Essentially, the capital is invested in bonds. Every year, you donate half of the yield to an association selected from the list of available beneficiary organisations. This is an ethical investment in that it donates to humanitarian organisations such as Action contre la Faim.
Action contre la Faim has several other bank partnerships:
With this savings account, you decide how much of the interest you receive at the end of the calendar year you want to donate to Action contre la Faim (50%, 75% or 100%) to help people facing difficulties all over the world.
Crédit Municipal de Toulouse offers the Solidarity-Based Savings Account, which benefits several charities, including Action contre la Faim.
Nef is an ethical, independent bank that exclusively finances projects with a positive impact, with no speculative activity. To help to respond to the climate and social emergencies, Nef has become an Action contre la Faim partner through its solidarity-based savings products: the Nef Savings Account and the Nef Time Deposit Account, for which Action contre la Faim is one of the beneficiary associations. Nef customers can pay ACF all or part of their annual interest in the form of donations.
Your bank can help us too! Some banks will boost their customers’ support by donating in their own name.
BNP Paribas customers can give the excess cents in their current account balance every month to one or several associations participating in the initiative. They can also add a small fixed amount of their choice (below €50).
As a sign of its commitment and attachment to solidarity and similar values, BNP Paribas contributes to the donations made by its non-business customers as part of this joint initiative. This support is precious to ACF and allows the association to build up funds to be used in the event of emergency operations or forgotten crises.
With your bank card, you can make a difference every day, spontaneously, with no constraints. After all, many little streams make a mighty river!
‘AGIR CONTRE LA FAIM’ CARD – CRÉDIT COOPÉRATIF
The ‘Agir contre la faim’ [Take Action Against Hunger] card is a Visa card that, as well as the usual services, offers a solidarity component. First of all, every time this card is ordered, €3 are paid to Action contre la Faim. Then, the bank will donate 12 cents every time you withdraw money from a cash machine in the Crédit Coopératif, Banques Populaires or Caisses d’Epargne network. Withdrawing money from a cash machine not in this network will generate 5 cents for Action contre la Faim, at no cost to the cardholder: the donation is made by Crédit Coopératif.
Crédit Coopératif also offers an ‘à la carte’ way of donating: holders of the ‘Agir’ card can choose to make a personal donation of the amount of their choice (between 5 cents and 5 euros) to Action contre la Faim every time they use the card, pay with it or withdraw money.
‘FOR OTHERS’ CARD – CIC
Thanks to the ‘For Others’ card, you can now support Action contre la Faim while shopping. The cardholder will set a threshold purchase amount (between 5 and 30 euros) (1) above which a donation will be made to Action contre la Faim. (1) The cardholder will set the amount of the donation made with every purchase of at least 5 euros.
YOUR CONTACTS AT ACTION CONTRE LA FAIM
For any further information, don’t hesitate to contact Lorie Ebanga and Fabienne Planès Cary via email at the following addresses: lebanga@actioncontrelafaim.org and fplanescary@actioncontrelafaim.org