“Without Adie, I wouldn't have made it”: a mobility microcredit to no longer be excluded from the job market

Adam Benalal et Cloé Keita Bonetti ont bénéficié du microcrédit mobilité de l’Adie. Midi Libre – Dorian Cayuela

Not having a car or a driver's license means not having access to the job market most of the time. With the Adie mobility microcredit, their lives have changed. Testimonies during the Mobility for All Week.

The kilometers on foot, Cloé Keita Bonetti knows perfectly well what it's like when she loses her vehicle, vandalized in 2020. No more car, no more work. A resident of La Martelle, but on the Montpellier village side, the neighborhood is then poorly served by public transport and the bus stop is far from her home. "All my travel was restricted and complicated. What's more, it was impossible for me to find work without a car. It was depressing“, she remembers.

As a recipient of RSA, she knows that she will not have access to any credit to purchase a vehicle. She needs a solution. She will find it, in 2022, on the Adie website, which specializes in microcredit. To access it, in addition to the usual supporting documents (ID, income statement, bank statement, proof of address), she must also present the income of the person who is acting as guarantor for her. All that remains is to cross her fingers.

“I have a vehicle, I can work”

The file is validated by the commission in less than a month, but she refuses the microcredit, because”with 3,500 euros, you can't have a decent vehicle, and I couldn't afford to have it repaired all the time“, she says. She puts together a new application a year and a half later, after putting some money aside.

The partnership that Adie has formed with a car dealership allows it to have access to a new vehicle and a microcredit of 5,000 euros in December 2023. What has changed for her since then ? "I was able to start working again. As an office cleaner, I travel to different places and at different times. Without a vehicle, it would be impossible", she explains.

It is, with a few variations, the same path that Adam Benalal followed. Living in the Saint-Martin district of Montpellier, Adam has a work accident that causes him to lose his vehicle and his job. He also finds himself disabled. Precariousness sets in. Father of a large family, he absolutely has to find work. It is in security that he finds it, but the staggered hours of this job and the dispersion of companies across the territory make the exercise thorny.

He therefore has to find a car on credit, but he knows that he will not have credit from the banks. It is Adie that will grant him a mobility microcredit of 6,000 euros in October 2023. “Of course, I already have problems with the used vehicle that I bought. It's not luxury, but it has given me a real breath of fresh air. Without Adie, I wouldn't have gotten through it“, he says.

The survey conducted by Adie among beneficiaries of the mobility microcredit confirms that this system is an effective lever for professional integration. 71% of its beneficiaries saw their situation improve and 77% of job seekers consider that this funding helped them in their search.

“A vehicle often leads to a job in the process, and a job which, moreover, is sustainable“, recalls Hicham Alaoui, regional manager of mobility microcredit at Adie. Whether we like it or not, the “car” remains essential for finding a job.

Key figures for microcredit

19,000 new personal microcredits were granted in 2022 and 2023 at nationally.

1 315 microcredits people were taken out granted in 2022 in Occitanie, i.e. 7% of the activity.

94 % of these microcredits were granted. granted for access to or retention in employment.

3 108 € : average amount in 2021, i.e. 180 € less than the national level.

35 months : average repayment period compared to 21 months at national scale.

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