Volkskredietbank voor

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• Volkskredietbank voor
• Noord-Oost Groningen
• The Dutch approach
• H.L. Norder MBA

London nov 2008 ECRC
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Introduction myself

• H.L. Norder MBA
• Director volkskredietbank VKB.nl
• Board member NVVK.eu
• Adv board member Nibud.nl
• Board member Progresz.nl
• Board member SCS
• Member SBN.nl
• Board member ECRC.eu
• President comm HDBAssen.nl
• And also a kind of private live

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Organogram VKB
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Surrounding

• Municipalities VNG
• Social security divosa
• Social service mo groep
• Banking (normal) NVB
• Banking social Nvvk

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Our position?

• National partners
• NVVK -gt all (social) banks
• Recofa /wsnp -gt insolvention court
• VNG/MO-groep -gt social security
• Consumenten bond -gt client board
• Nibud -gt advice board

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How it is started

• churches (salvation army)
• Government (Volkskredietbank)
• Pawn shops (Lommert)

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National changing's

• good economic situation
• Low profile government
• other solutions in the market
• So, less necessary to serve as social institute

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but times are changing

• Debt solving is back on the social agenda
• Technical solution available by the
  (volks)kredietbanken
• Development integrative approach
• The social problems are visualised

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National numbers

• Registered debt problems
• - 2004 150.000
• 2005 160.000
• 2006 180.000
• 2007 180.000

• Nvvk
• SR 43.000 (vkb 600)
• BBR 20.000 (vkb 2000)

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Relation to the national government

• Structure
• Department (social, law or economic)
• Law
• lobbying
• Fido, wfd, wtk, wsnp, btw
• Finance
• Wsnp -gt yes
• Amicable -gt no

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Activities

• Prevention individual/ collectives
• Intake crisis intervention
• Balancing income bank card/ soft or tough
• Debt solving arrangements or refinance
• Responsible credit small loans
• Wsnp request / appliance

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Butterfly approach debts and finance
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Workingproces (department Time)
Prevention / information /coaching
Finscan Action Agenda
Class room
Start proces
Advice appointment
lt 1 week
Integrative intake
20 days
Balancing income
coaching
Debt solving
loan
Social services
first bbr 70 dgn
support (Q)
Support (external)
law
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Effect and results

• 75 in 24/36 months succesfull
• Recidive in 3 year lt 5
• Social results
• Self esteem of clients
• Reduction of social exclusion
• Less housing conflicts ( 2 mio)
• Less energy conflicts

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AutomatisationQuality -gtCMS-gtdigital
CMS
Integrated management control info
ISO processen
Finscan
Allegro
OpusR
Globe Exact
ExTendis
Digital Process book
Office (word Excel, acces, ppt)
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Nowadays organisation

• National network
• Social banking
• Debt solving
• Local oriented and organised
• But fully depended on local municipal finance

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Strong points

• Locally good organised
• Successful and effective approach
• Neutral position
• Embedded in local situation
• High tech solutions

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Weak points

• No force by law
• Competion by shylock s
• Difference approach per region
• No national structure
• Fully depended on local finance
• Dependend on local politics

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Future perspective

• Better national position forced by law
• National quality standard
• Financial support from national to local
• Better balance amicable and wsnp

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How does it fit together!
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How it is financed

• Any client account is positiv
• Interest on small loans 7-10
• Fee 720,- per account / per activity
• Payed by the municipality (mostly)

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And now you!

• Any questions?
• Any remarks?
• But anyway.
• Thanks for your atttention ?