{"id":49541,"date":"2025-04-30T11:18:29","date_gmt":"2025-04-30T15:18:29","guid":{"rendered":"https:\/\/www.wes.org\/fund\/grantee\/mission-asset-fund\/"},"modified":"2025-04-30T11:18:29","modified_gmt":"2025-04-30T15:18:29","slug":"mission-asset-fund","status":"publish","type":"wes_fund_grantees","link":"https:\/\/www.wes.org\/fr\/resource-library\/blog\/fund\/grantee\/mission-asset-fund\/","title":{"rendered":"Mission Asset Fund"},"content":{"rendered":"

\u00c0 propos de Mission Asset Fund<\/h4>\n

Mission Asset Fund<\/a> (MAF) croit que les meilleures solutions se trouvent dans les forces des communaut\u00e9s historiquement marginalis\u00e9es. Depuis 2007, MAF a r\u00e9volutionn\u00e9 le domaine du d\u00e9veloppement d’actifs en innovant avec des programmes financiers responsables qui aident les communaut\u00e9s d\u2019immigrants. Les programmes et services de MAF r\u00e9pondent aux besoins complexes des communaut\u00e9s \u00e0 faible revenu gr\u00e2ce \u00e0 une approche en trois volets\u00a0: reconna\u00eetre la r\u00e9silience et la sagesse des communaut\u00e9s, concevoir des programmes qui transforment les pratiques financi\u00e8res quotidiennes en opportunit\u00e9s d\u2019\u00e9pargne et de cr\u00e9ation de cr\u00e9dit, et \u00e9tendre ces programmes \u00e0 l\u2019\u00e9chelle nationale en s\u2019appuyant sur des principes de conception centr\u00e9s sur l\u2019utilisateur et sur la technologie.<\/p>\n

Quel type de travail la subvention facilitera-t-elle\u00a0?<\/h4>\n

Cette subvention soutient les Lending Circles<\/a> de MAF, qui rassemblent des personnes pour former des pr\u00eats de petits montants \u00e0 taux z\u00e9ro. MAF agit en tant que service de pr\u00eats, en garantissant que chaque membre du cercle re\u00e7oit un pr\u00eat et rapporte les paiements de chaque emprunteur aux trois principales agences de cr\u00e9dit am\u00e9ricaines. Les scores de cr\u00e9dit des clients de MAF ont augment\u00e9 de plus de 120\u00a0points en moyenne, avec pr\u00e8s de 80\u00a0% des clients qui terminent le programme avec un cr\u00e9dit de cat\u00e9gorie prime ou presque prime. \u00c0 mesure que les gens \u00e9tablissent et augmentent leur score de cr\u00e9dit, la porte \u00e0 un cr\u00e9dit plus abordable, \u00e0 d’autres services financiers et \u00e0 un chemin vers la mobilit\u00e9 \u00e9conomique s’ouvre. Gr\u00e2ce au financement de cette subvention, MAF s\u2019efforce d\u2019\u00e9tendre et de reproduire son mod\u00e8le Lending Circles (cercles de pr\u00eat), en fournissant une formation et une assistance technique \u00e0 plus de 70\u00a0partenaires \u00e0 but non lucratif int\u00e9ress\u00e9s \u00e0 lancer des cercles de pr\u00eat locaux dans 18\u00a0\u00c9tats am\u00e9ricains et \u00e0 Washington, D.C.<\/p>\n

Pourquoi ce travail est-il important ?<\/h4>\n

Pour des millions de familles d\u2019immigrants aux \u00c9tats-Unis, les outils n\u00e9cessaires pour atteindre la s\u00e9curit\u00e9 financi\u00e8re sont hors de port\u00e9e. Les personnes qui n’ont pas de compte bancaire de base ni de score de cr\u00e9dit sont exclues des services traditionnels et doivent souvent recourir \u00e0 des services co\u00fbteux de change de ch\u00e8ques et de pr\u00eats sur salaire\u00a0; elles peuvent se voir refuser un logement et m\u00eame \u00eatre \u00e9cart\u00e9es d’emplois n\u00e9cessitant une v\u00e9rification de cr\u00e9dit. Ces d\u00e9fis ont \u00e9t\u00e9 amplifi\u00e9s pendant la pand\u00e9mie de COVID-19 et le ralentissement \u00e9conomique qui en a r\u00e9sult\u00e9, ce qui a d\u00e9vast\u00e9 le bien-\u00eatre \u00e9conomique de nombreuses familles d\u2019immigrants et de r\u00e9fugi\u00e9s. MAF aide les communaut\u00e9s \u00e0 r\u00e9pondre \u00e0 des besoins urgents d\u2019aide financi\u00e8re tout en offrant des formations pour s\u00e9curiser l\u2019avenir financier des individus au sein de la communaut\u00e9.<\/p>\n

Mettre en \u00e9vidence les forces inh\u00e9rentes des membres de la communaut\u00e9 immigrante d\u00e9montre la valeur du capital social et des relations humaines. Alan, un client qui participe activement \u00e0 Lending Circles depuis plus de 10\u00a0ans, a d\u00e9clar\u00e9 lors d\u2019une formation de Lending Circles\u00a0: \u00ab\u00a0Pour moi, \u00e0 un moment donn\u00e9, ce n\u2019\u00e9tait plus une question de cr\u00e9dit. Ces gens se sont rencontr\u00e9s il y a une heure, et maintenant nous nous aidons mutuellement \u00e0 atteindre nos objectifs financiers. Cela renforce la communaut\u00e9.\u00a0\u00bb<\/p>\n","protected":false},"featured_media":25641,"template":"","grant_category":[875],"class_list":["post-49541","wes_fund_grantees","type-wes_fund_grantees","status-publish","has-post-thumbnail","hentry","grant_category-financial-access-and-inclusion","grant_group-united-states"],"better_featured_image":{"id":25641,"alt_text":"A group of people in a conference room","caption":"","description":"","media_type":"image","media_details":{"width":394,"height":276,"file":"2020\/07\/Mission-Asset-Fund-2020.jpg","sizes":{"medium":{"file":"Mission-Asset-Fund-2020-300x210.jpg","width":300,"height":210,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2020\/07\/Mission-Asset-Fund-2020-300x210.jpg"},"thumbnail":{"file":"Mission-Asset-Fund-2020-150x150.jpg","width":150,"height":150,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2020\/07\/Mission-Asset-Fund-2020-150x150.jpg"},"team":{"file":"Mission-Asset-Fund-2020-185x185.jpg","width":185,"height":185,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2020\/07\/Mission-Asset-Fund-2020-185x185.jpg"},"people":{"file":"Mission-Asset-Fund-2020-394x276.jpg","width":394,"height":276,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2020\/07\/Mission-Asset-Fund-2020-394x276.jpg"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":null,"source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2020\/07\/Mission-Asset-Fund-2020.jpg"},"acf":{"status":"past","logo":34884,"attributes":"default","grant_category":"Comp\u00e9tences et programmes de soutien","grant_amount":"200\u00a0000\u00a0USD","grant_term":"D\u2019octobre 2020 \u00e0 ao\u00fbt\u00a02022","grant_focus":"Mission Asset Fund met \u00e0 profit la force de la communaut\u00e9, la confiance sociale et les atouts culturels pour aider les immigrants \u00e0 formaliser et \u00e0 renforcer leur vie financi\u00e8re, et \u00e0 devenir visibles, actifs et prosp\u00e8res sur le march\u00e9 financier am\u00e9ricain.","attr_location":"San Francisco, Californie, \u00c9tats-Unis","attr_term":"Octobre\u00a02020","attr_organization":"

Subvention \u2013 <\/span><\/span>Soutien aux projets<\/strong><\/p>\n

Pour Mission Asset Fund (MAF), les meilleures solutions r\u00e9sident dans les points forts des communaut\u00e9s historiquement marginalis\u00e9es. Les programmes et services de MAF r\u00e9pondent aux besoins complexes des communaut\u00e9s \u00e0 faible revenu gr\u00e2ce \u00e0 une approche en trois volets\u00a0: reconna\u00eetre la r\u00e9silience et la sagesse des communaut\u00e9s, concevoir des programmes qui transforment les pratiques financi\u00e8res quotidiennes en opportunit\u00e9s d\u2019\u00e9pargne et de cr\u00e9ation de cr\u00e9dit, et \u00e9tendre ces programmes \u00e0 l\u2019\u00e9chelle nationale en s\u2019appuyant sur des principes de conception centr\u00e9s sur l\u2019utilisateur et sur la technologie.<\/span>\u00a0<\/span><\/p>\n

Cette subvention soutient les Lending Circles de MAF, qui rassemblent des personnes pour former des pr\u00eats de petits montants \u00e0 taux z\u00e9ro. MAF agit en tant que service de pr\u00eats, en garantissant que chaque membre du cercle re\u00e7oit un pr\u00eat et rapporte les paiements de chaque emprunteur aux trois principales agences de cr\u00e9dit am\u00e9ricaines. Pour des millions de familles d\u2019immigrants aux \u00c9tats-Unis, les outils n\u00e9cessaires pour atteindre la s\u00e9curit\u00e9 financi\u00e8re sont hors de port\u00e9e. MAF aide les collectivit\u00e9s \u00e0 r\u00e9pondre \u00e0 leurs besoins imm\u00e9diats en mati\u00e8re d\u2019aide financi\u00e8re et offre des formations pour assurer l\u2019avenir financier des personnes au sein de la communaut\u00e9.<\/span><\/p>\n","attr_website":"missionassetfund.org","attr_amount":"200\u00a0000\u00a0USD"},"yoast_head":"\nMission Asset Fund - WES<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wes.org\/fr\/resource-library\/blog\/fund\/grantee\/mission-asset-fund\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mission Asset Fund\" \/>\n<meta property=\"og:description\" content=\"\u00c0 propos de Mission Asset Fund Mission Asset Fund (MAF) croit que les meilleures solutions se trouvent dans les forces des communaut\u00e9s historiquement marginalis\u00e9es. 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