commission européenne 1 -1- investing in competitive businessess and high quality jobs stimulating...
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Commission européenne--11--
Investing in competitive businessess and high quality jobs
Stimulating entrepreneurs and new enterprise
“Financing business start-up with ESF supportedmicro-loan funds”
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Commission européenne--22--
3.000
7.000
12.200 12.400
24.600
11.200
19.700
24.100
33.200
46.100
14.200
26.700
36.300
45.600
70.700
2000 2001 2002 2003 2004
West Ost D insgesamt
Mit dem ESF geförderte Gründer 2000 - 2004
ISG ESF-Monitoring
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Commission européenne--33--
0,81,9
3,3 3,1
5,6
11,7
21,8
27,6
30,2
34,8
12,3
4,0
2000 2001 2002 2003 2004 2000 2001 2002 2003 2004 2004 in D KfW 2004
Reichweite der ESF-Gründungsförderung in % der Gründungen
ISG ESF-Monitoring
Ost
West
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Commission européenne--44--
2.500 €
3.750 €
7.700 €
9.600 €
10 %
6 %
Ost
West
Gründer Ost
Gründer West
Jugendliche Z3
Besch. LZA Z3
Ausgaben für die ESF-Gründungsförderung 2004
ISG ESF-Monitoring
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Commission européenne--55--
103.000
39.900
33.500
9.100
8.200
3.600
Traditionelle QAS
ABM-begleitende Qualifizierung
Vollzeitqualifizierung von AL
Einstellungszuschüsse
Existenzgründerseminare
Existenzgründerzuschüsse
Effekte der Gründungsförderung in Sachsen - Kosten pro erfolgreichem Integrationsfall
ISG Halbzeitbewertung OP Sachsen
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Commission européenne--66--
78
63
30
23
35
3
3
9
31
63
45
94
ABM-begleitende Qualifizierung
Traditionelle QAS
Vollzeitqualifizierung von AL
Einstellungszuschüsse
Existenzgründerseminare
Existenzgründerzuschüsse
arbeitslos beschäftigt / selbständig
Effekte der Gründungsförderung in Sachsen - Verbleib nach 6 Monaten- Vergleich zu anderen Förderinstrumenten in %
ISG Halbzeitbewertung OP Sachsen
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Commission européenne--77--
2
4
9
10
11
13
13
14
17
18
19
22
24
34
Fördermittel trotz Zusage nicht ausgezahlt worden
Mein (Ehe)Partner wollte das nicht
Beantragung Überbrückungsgeld
Absatz nach Gründung eingebrochen
Fehlende Kenntnisse Lieferanten/Konkurrenz
Kosten zu niedrig kalkuliert
Qualifizierte Mitarbeiter zu finden
Finanzierungsbeitrag bei Bank zu gering
Durch Familienpflichten stark belastet
Anderes Darlehen zu bekommen
Werbung/Produkt erreicht (noch) nicht den Kunden
Existenzgründerdarlehen zu bekommen
Fehlende betriebswirtschaftliche Kenntnisse
Absatz kam nur schleppend in Gang
Probleme von Gründern
RWI ESF-Evaluation 2005
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Commission européenne--88--
10,8
12,2
17,4
14,0
16,3
25,0
8,8
6,9
4,7
11,8
42,3
15,3
26,9
7,1
D
UK
Irl
NL
Belgien
Italien
Frankr.
Lux
Schweden
Fin
Griechl.
Span.
Portugal
Dänemark
Selbständigenquoten in der EU-15 und in Deutschland 2003
Eurostat
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Commission européenne--99--
30
18
12
7
33
28
18
15
5
34
37
33
21
8
1
bis 1.000
bis 2.000
bis 3.000
bis 4.000
über 4.000
unter 500
unter 1.000
unter 2.000
unter 4.000
über 4.000
West Ost
Umsätze ESF-Gründer 2004 im Monat in % (RWI 2005)
Monatseinkommen Gründer aus Arbeitslosigkeit 2004 in % (ISG)
RWI ESF-Evaluation 2005; ISG
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Commission européenne--1010--
micro-loan funds supported by the ESF
Germany: 2 micro-loan funds Obj.1 (operative)1 micro-loan guarantee fund Obj.3
(planned)Denmark: 1 micro-loan fund in Obj.3 (planned)England: 8 micro-loan funds (3 operative)
ESF contribution: DE: 23,9 m€ UK: 12,4 m£DK: 12,0 m€ (planned)
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Commission européenne--1111--
Mecklenburg-Vorpommern Obj. 1
Micro-loan fund
Total investment: 6 m€ + 1,5 m€
Investors: ESF – 68,5% Land 31,5%
Run-time: 10/2004 – 12/2008
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Commission européenne--1212--
Max. loan: 10 000 € Recipients: newly created SME,
lender and SME resident in M-VInvest. phase: Applications before actual start-up Redemption: within 5 years but earlier admissible
first 6-12 months without redemptionPayment: paid out at 100%,
No fees or management costs Interest rate: fixed 5% p.a. on the remaining debt. Securities: None
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Commission européenne--1313--
Basis for decision: business plan to forecast all expenditure and income generated within 12 monthsSupporting basis: written opinion of the chamber or sector organisationSize of loan: calculated from deficit: expenditure and incomeSupporting proof: concept of business, professional c.v., proof of qualifications, licenses, etc.
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Commission européenne--1414--
average loan: 8 500 €. Total investment: 2.4 m€ by 10/2006 - 5.1 m€ future
Applications per 10/2006:1049 total485 positive296 negative193 withdrawn
Loan recipients:22 age < 25 398 age 25 to 5065 age > 50
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Commission européenne--1515--
176 (36,2%) retail 103 (26,8%) gastronomy, catering97 (20,0%) services - business related87 (17,9%) services – other60 health, veterinary, social services33 trade/repair motor vehicles26 culture, sport, entertainment18 wholesale trade, trade agency18 dataprocessing, databases IT
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Commission européenne--1616--
do´s and don´ts – ESF funds manager
don´t: n+2
do or don´t: be profit-orientated
don´t: go it alone, steer
do: monitor, evaluate, control
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Commission européenne--1717--
do´s and don´ts – management of fund
Analysis, targeting, business-planning:
do: specify, focus, forecast, spread risks, terminate
don´t: be excusive, unflexible, undecided
Management:
do: source competence, monitor, steer, adapt, re-focus
don´t: underestimate, isolate,
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Commission européenne--1818--
Conclusion:
Support entrepreneurshipby taking up the entrepreneurial approach
Make full use of the ESFInstall and manage a micro-loan fund
No risk – No profit!