Our Goals for Inclusive Finance
PERMICRO S.P.A. exists to demonstrate that responsible microlending and viable business outcomes are not in conflict — they reinforce each other. Our strategic goals are built around expanding access, improving client outcomes, and maintaining the financial integrity that allows us to keep lending. We measure success not only by portfolio growth but by the number of businesses that remain active and the number of families that achieve greater financial stability three years after their loan. Every goal listed below is tied to a measurable internal indicator that we review quarterly.
Reach Underserved Borrowers
We set annual targets for the share of our portfolio allocated to first-time borrowers, migrants, and individuals without formal employment contracts. These targets are reviewed by our board and reported in our annual transparency statement.
Expand Geographic Coverage
PERMICRO S.P.A. is progressively extending its direct lending and partnership network to regions where mainstream bank branches have been closing. We prioritise areas with high rates of self-employment and limited credit infrastructure.
Simplify Application Processes
We are continuously reducing the documentation burden on applicants, particularly for loans below €10,000, by developing alternative evidence pathways — including bank transaction data and sector-specific income proxies — in place of traditional payslip requirements.
Support Business Survival
We track the three-year survival rate of microenterprise borrowers and use this data to refine our credit assessment and coaching methods. Our current target is a 70% survival rate across all business loan cohorts.
Proactive Debt Management
When a borrower signals financial difficulty, our policy is early engagement rather than enforcement. We offer restructuring options and connect clients with partner organisations that provide business recovery support.
Financial Literacy Investment
PERMICRO S.P.A. allocates a defined annual budget to free financial education workshops for current and prospective borrowers, covering topics from cash-flow planning to VAT management for the self-employed.
Sustainable Portfolio Growth
We aim to grow our loan book at a pace that preserves credit quality and capital adequacy. Rapid growth at the expense of responsible underwriting is explicitly excluded from our business plan.
Regulatory Excellence
We invest continuously in compliance infrastructure, staff training, and internal audit capacity to ensure that our operations meet or exceed all applicable regulatory requirements, including AML, data protection, and consumer credit directives.
Strategic Partnerships
PERMICRO S.P.A. actively pursues partnerships with public guarantee funds, EU structural fund programmes, and philanthropic investors to leverage its capital base and extend the reach of subsidised credit to the most vulnerable borrowers.