Thursday, June 18, 2015, Good Finance was invited to the Responsible Finance Workshops, organized by Good Credit in order to reflect on the new issues of the sector: how has it changed, and what should be its role vis-à-vis the company? It is because these challenges are important to us that we wanted to highlight the vision of finance that we are defending, and that helps to meet some of these new challenges.

Company and manager

Company and manager

Can we be both financial and responsible? How to raise awareness among our customers, on any scale? Are there really “responsible companies” and others? These are questions that have fueled the debate for an hour, and to which the four main speakers have given different answers, each in their own way, but keeping in mind a common goal: to have an impact on society, beyond its traditional sector of activity.

Through the voice of Bénédicte Gueugnier, the Financial Foundation of the Exchequer launched the subject by detailing the vocation of its company to contribute to the academic success of disadvantaged students. Today, there are thirty-five girls and three boys whose studies in preparatory classes are financed, thanks to the donations of the employees. This awareness of her employees, Marie Saltiel, Family Office Manager at Amplegest, has also successfully experimented, offering them an innovative experience: give them € 1,000 to finance the charity of their choice.

Crédit Agricole Pyrénées-Gascogne has opened new horizons on the subject, evoking the system of Tookets set up in 2011. Nicolas Layous has given us some details about this tool: it is a currency association and solidarity, can be issued by any company wishing to provide financial support to associations, while involving its customers and employees.

Finally, it was the turn of Boris Pourreau, CEO of Running Heroes, to take the floor to expose his vision of the subject. The line between “responsible companies” and others tends, according to him, to fade with the entrepreneurs of the “Generation Y”, the latter enhancing the application of their beliefs day by day. This is how he started a partnership with Unicef, organizing a connected race around the world whose registration fees are directly returned to the association; a way to share its infrastructure and know-how with direct actors in the social sector.

Participatory finance


Vincent Auriac very rightly introduced the participants by recalling that he was “surrounded by numbers 1”:

  • Unilend, represented by its CEO Nicolas Lesur, n ° 1 of the SME / SME loan
  • And obviously, Loan Union, No. 1 loan between individuals, including Frederic Chaignon (Sales Director) is the spokesperson

Mr. Chaignon joined Mr. Lesur in highlighting key figures, setting the stage for crowdlending: crowdfunding has grown by 100% per year in the last two years, and has reached 150 € million in 2014. But how to justify such growth? Ephemeral fashion phenomenon? Pale copy of a developed concept (by a Frenchman, remember it) in the United States? Participants at these Workshops have precisely demonstrated the opposite, highlighting in particular how this evolution of finance was evident at a time when the Livret A remuneration does not exceed 1%, and where the complexity of conventional financial products makes them. inaccessible. By addressing a new asset class, households, Union Loan and its partners have created a transparent system, in which both borrowers and lenders are beneficiaries.

Sensing that this is a major development for the sector


Has also announced the deepening of its links with crowdfunding platforms, by forming a partnership with Anaxago. It will develop products of crowdequity, sign of the impact of this evolution with the banks, which will have to be followed carefully in the years to come.

To go further and find out more, you can also consult the report on our loan conference, a new asset class?