Living Conditions Nominees

Living Conditions nominees

CPR Invest - Social Impact

Avec ce fonds, CPR AM propose aux investisseurs une méthodologie transversale pour appréhender, via une gestion active, la thématique des inégalités définie autour de 5 piliers : Revenus et Marché du travail, Politique fiscale, Santé & Education, Diversité, Droits humains & Besoins de base. Chacun des cinq piliers regroupent des critères d’évaluation propres aux Etats (par exemple : progressivité du système fiscal, salaire minimum, part des dépenses d’éducation et de santé dans le PIB, etc.) et d’autres propres aux entreprises (par exemple : écarts de rémunérations, conditions de travail, politique de diversité, formation des salariés, etc.). L’objectif est d’obtenir un univers d’investissement qui surperforme socialement l’indice de référence du fonds (MSCI All Country World Index), en rassemblant les entreprises les plus vertueuses selon leur participation à l’effort de réduction des inégalités dans leur pays d’origine.

Contact :

Pauline Marteau -

Habitat & Humanisme Pensions de Famille

Context: Housing for very low-income people facing life hardships (loss of partner or job, health, old age, etc.) is still a major issue in France. The state-sponsored social housing sector (c. 5M flats housing about 10M people) does not cater well for under-resourced/disadvantaged people. Since 1985 HH very social housing is targeting this leftover population by offering access to decent affordable housing and social inclusion. As of end-2019 HH managed 8,750 flats of different types all over France, Belgium and Luxemburg. The Project: Pensions de Famille (PDF) is one of HH housing offering, among others like individual flats, intergenerational houses, nursing homes, and refugee centers. A PDF welcome mostly single people so that they feel at home without being lonely. Residents pay a subsidized rent. They are helped towards social inclusion by 1 or 2 House Manager and volunteers. A PDF building has 20 housing units on average (small flats of 20 to 25 sq meters) and collective areas (kitchen, living room, laundry room, garden, etc.), and is located in town centers, close to shops, transports and medical services. Residents have a right to stay as long as they want/can.

Contact :

Bernard de Coudenhove - Lydie Crepet ( -

Solifap by AG2R la Mondiale

Solifap was born from the meeting of AG2R LA MONDIALE and the Fondation Abbé Pierre and their shared desire to provide structural support to associations fighting against poor housing. Solifap is one of the solutions to the societal challenges of our time that have emerged from the €32 million Innovation Fund set up in 2011 by AG2R LA MONDIALE. Its two founders, who had each invested €6 million, have since been joined by other institutional investors, employee savings plan managers and private individuals, who have brought its intervention capacity to more than €40 million; a capacity that Solifap deploys in three directions: land, financial (equity loans and loan guarantees) and consulting. Since 2014, Solifap will have helped to house 3,000 people by having committed nearly 28 million euros, acquired 180 homes and supported 54 actors in the fight against poor housing throughout the country. By 2022, Solifap's ambition is to have acquired 300 housing units, supported 75 associations and convinced 1,000 individual shareholders (compared to just under 500 today).

Contact :

Philippe Dutertre -

Vivre en beguinage by France beguinage

In response to the demand for supported housing, the association VIVRE EN BEGUINAGE was created in January 2017 to structure and organize life in the béguinages. The béguinages are small collective housing complexes of 10 to 25 individual social rental units, benefiting from shared living spaces and guest rooms. The association's activities focus on human accompaniment for the benefit of people in vulnerable situations or loosing their autonomy, with the aim of maintaining social ties and fighting against isolation and loneliness. The association promotes a way of life that encourages conviviality and mutual aid by counting on the benevolence of its neighbors, to preserve its autonomy as long as possible and to maintain good health. The association relies on the land company France Béguinage, which finances the construction of the béguinages and is the owner. It is 99% owned by the Amundi Finance & Solidarity Fund, a major player in SSE.

Contact :

Mathieu AZZOUZ /Christophe BAIOCCO ( /

KIMS Microfinance

KIMS Microfinance was launched in 2014 as Somalia’s first and only privately-owned microfinance institution. KIMS Microfinance operates on a commercial basis providing enterprise financing and linked savings services to low income but economically active Somalis and Somali small businesses. KIMS vision is to offer diverse microfinance services with a priority focus on low income youth and women in both urban and rural areas in Somalia. KIMS mission is to achieve this through contributing to the economic and social development by provision of high quality diversified microfinance services including savings and financing of small and microenterprises according to the Islamic sharia principles while continuing to occupy a pioneering position in the financial sector.

Contact :

Justin SYKES