4.Corsi di formazione professionale, di specializzazione e di lingua italiana in collaborazione con associazioni di Volontariato,Istituzioni nazionali e locali ed i Consolati dei vari Paesi
Il progetto, intitolato “progetto FederImmigra”, sarà realizzato all’interno di una cooperazione tra azienda e si propone la finalità di promuovere l’ideazione, la messa a punto, la sperimentazione, la valutazione e la diffusione di una metodologia innovativa specialized type of inherent foreigners in Italy in order to obtain an advantage in economic and social terms.
The audience for this project are the foreigners, small and medium enterprises. Within the organization we will study the possibility of creating new professional and specialized at the same time also use information and communication technologies made available by the project partners.
In essence, it is to develop a comprehensive training archetype able to operate an adequate transfer of knowledge-oriented in terms of content, on topics and issues of vocational training, specialization and Italian language courses in collaboration con associazioni di Volontariato,Istituzioni nazionali e locali ed i Consolati dei vari Paesi. La finalità essenziale di questo progetto è, pertanto, quello di creare figure professionali all’interno dell’azienda e nel contempo creare nuove imprenditorialità e di incentivare, nel contempo, l’utilizzo di tecnologie dell’informazione e della comunicazione.
L’innovatività potrebbe risiedere anche nella metodologia da adottare, ovvero tecniche di apprendimento a distanza.
Il progetto sarà integrato dalla implementazione di una apposita infrastruttura informatica di comunicazione, nonché, lo sviluppo di metodologie di insegnamento a distanza (e-learning).
La giustificazione principale di un simile progetto è riposta nella eventuale creazione di nuove figure professionali da inserire nel contesto aziendale e imprenditoriale e nel carattere innovativo presente nel contenuto del progetto stesso.
Il percorso formativo è motivato dalla esigenza di diffondere nuove tecniche di organizzazione della conoscenza e sviluppare tecniche di apprendimento a distanza che consentano di estendere tale formazione anche ad altre risorse, superando l’ostacolo dello spazio fisico, elemento questo che a tutt’oggi risulta ancora condizionante, non permettendo di fatto un’equa redistribuzione della conoscenza su tutto il territorio.
L’obiettivo sarà pertanto quello creare nuove figure che possano essere messe in condizioni adatte ad una costruttiva interazione, per rendere più efficiente e produttivo il processo di crescita economica in Italia.
La formazione che sarà erogata ha come obiettivo di favorire il dialogo tra stranieri provenienti da differenti nazioni e la realtà italiana attraverso l’insegnamento della lingua italiana.
5.Consulenza ed assistenza fiscale e previdenziale
I cittadini stranieri iscritti alla rete degli sportelli FederImmigra potranno ottenere informazioni e assistenza in materia fiscale direttamente presso gli sportelli.
ANIMI ONLUS metterà available to highly qualified personnel to a specific activity of front office and listening. The project is FederImmigra
The initiative is the result of an agreement between the partners of the ANIMO NGO and industry experts.
The idea of \u200b\u200bopening the doors, which also performs activities of tax assistance for immigrants becoming recognized point of reference, was born from the need to work on the problems due to language differences and tax systems to reduce the distance between government and foreign nationals, thereby enhancing their integration into the social fabric.
The service will operate daily and aims to make it easier for foreign nationals, EU and non- the fulfillment of tax obligations. In particular, provide clarification and assistance on:
login
issuing tax codes and VAT registration
leases
compilation and declaration of succession
compilation and submission of the Model Law.
activity will be restricted to cover general information on tax law and procedures.
SOUL NGO, in the interest of foreign members on the national, award-stop FederImmigra to carry out the activities relating to:
applications for pensions for employees, self-employed professionals;
checks and disability support pensions and allowance accompanying
Pensions civilian blind and deaf
Questions supplement, pension increases and replenishments
verification, monitoring and adjustment of contribution statements;
redemptions and reunion of insurance periods;
's check to the family and family treatments;
compilation RED models.
's assistance in preparing declarations ISEE;
6.Reperimento di alloggi e soluzioni abitative in collaborazione con Enti pubbli ci,privati, Consorzi e Cooperative di abitazione.
Nel 2005 sono stati erogati 530 mil di euro in mutui casa agli stranieri.I mutui preferiti sono quelli trentennali e a tasso variabile.
Chi è l'immigrato che compra casa?
Ha un permesso di soggiorno in tasca da almeno due o tre anni, è un lavoratore dipendente o un piccolo imprenditore, ha tra i 25 e i 35 anni, nel 60% dei casi è sposato e il più delle volte è romeno o marocchino.
A tracciare l'identikit è Kìron, franchising di mediazione creditizia che fa capo al gruppo Tecnocasa, in uno studio sui mutui accesi dai cittadini stranieri per acquistare un'abitazione in Italia.
Secondo Kìron è il settore che sta crescendo di più tra i finanziamenti erogati ai cittadini stranieri, che nel 2005 ha raggiunto un volume complessivo di 6,5 miliardi di euro tra prestiti finalizzati (54,2%), prestiti personali (37,7%) e mutui casa (8,1%).
Proporzionalmente al numero di presenze in Italia, i più propensi ad indebitarsi risultano gli africani, seguiti da sudamericani e asiatici, mentre i più resti sono i cittadini di Paesi europei che non fanno parte dell'Ue. Quanto però a volume dei crediti erogati, i primi in classifica sono i Romeni (6,02% del totale), seguiti da Marocchini (5,66), Albanesi 2,58) ed Egiziani (1,52).
Prevalentemente gli i immigrati buildings are oriented towards small (50-60 sqm), situated on the outskirts of cities or countries. Mortgages are more likely to ask those living in the north, "because-we read in the study - a more stable economic and social condition." The 71% of foreign borrowing to cover between 80% and 100% of the price of the house. They call on average € 127mila, little more than the Italians (the national average is 124mila €), but with significant differences between one community and another, ranging from € 107mila paid an average of Moroccan citizens, the Filipinos 158mila .
Immigrants choose types of mortgages very long and riskier than the Italians. 95% will pay the debt in more than 21 years, in 30 years, 78% of the time. A lord it are adjustable rate mortgages (87.2%), the demand for which is rising, followed by flexible or mixed rate (6.9%). "Compared to Italians - Kiron note - you highlight a selection of products to certain types of riskier. Foreign nationals are in fact more" optimistic "of Italian citizens and show an approach to debt less inhibiting and restrictive."
The market is important and growing, but now requires intervention by the banks. According
Kiron "The offer must be differentiated by cost and suitable for the needs and characteristics economiche e si dovranno modificare i parametri relativi alla valutazione del merito creditizio.È necessaria – si aggiunge - una attività di implementazione delle banche dati, che attualmente si basano su parametri e dati che si riferiscono ai cittadini italiani, che come è evidente,non corrispondono alle diverse caratteristiche proprie dei cittadini stranieri".
Scenari immobiliari futuri
Case: boom di acquisti tra gli immigrati 131mila nel 2006, +19% negli ultimi tre anni.
Nel 2008 una compravendita su cinque sarà conclusa da cittadini stranieri
Viene dall'est europa e sceglie un appartamento tra gli 80 e i 100mq che paga circa 120mila euro accendendo un mutuo.
È il profilo dell'immigrato che Buy house, an increasingly important figure in the Italian property market.
As stated in the 2007 report recently published by Immigrants and Home Real Estate Scenarios, in the last three years the trades that have had an immigrant as a buyer increased by 19 percent to in 2006, the 131mila units (16.3% of all transactions concluded in the residential market). Higher growth in turnover (value of homes purchased) that, from 2004 to 2006, increased by 50 percent, from 10.2 billion to 15.3 billion euro.
If the housing market remained stable in 2007 the share trading is expected to reach 142,000 (+8.4%) for 17.5 billion euro expenditure (+14.4%) while the next two years, a sale should be completed in five Italian immigrants.
The main obstacles for immigrants who want to buy a house costs are high (the available budget is between 100 thousand and 130 thousand euro) and the scarcity of supply. The search times of the dwelling have increased considerably, especially a year now and range from six to nine months (about 20 percent more for the Italians).
In the course of just three years the average expenditure on housing increased by 25.8 percent, rising from € 93mila to 117mila, and forecasts for 2007 see a further increase up to € 123mila (+5.1 per percent). Expenditure che resta fortemente legata alla disponibilità di un mutuo bancario. Tra il 2004 ed il 2006, la percentuale del prezzo di acquisto coperta dal mutuo è salita dal 70,1 per cento all'85,6 per cento, e la tendenza, per l'anno in corso, è per un ulteriore aumento.
La stragrande maggioranza degli immigrati si orienta verso l'acquisto di abitazioni di fascia medio bassa, ma è in crescita l'area di coloro che compra appartamenti in immobili nuovi e in zone residenziali (adesso rappresenta il 15% del totale ma entro il 2008 potrebbe toccare il 20%). Quasi la metà delle case comprate da immigrati è tra i 50 e gli 80 metri mentre il 4,5% è inferiore ai 30 metri e l'8,5% tra i 30 e i 50 metri. Il 27,5% degli acquisti regards apartments between 80 and 100 meters while only 5.1% relates to houses over 120 meters. When choosing a home is increasingly urgent demand for efficient public transport network and the ability to be connected to good jobs. Immigrants
buy predominantly in the north (in 73.2% of cases in 2006) and the Centre (21.5% of the total) and South (5.3%) represent only one quarter of sales. In Rome, 22.5% of homes purchased were chosen by immigrants (but will be 24.7% in 2007 according to the survey), while in Milan compraven say the percentage of the total immigrants in 2006 was 10.5 % (will drop to 9% in 2007).
Se si considera la ripartizione regionale Lombardia, Veneto e Piemonte sfiorano insieme il 50% delle compravendite complessive (in testa la Lombardia con il 17,4%).
La fascia più consistente di acquirenti arriva dall'Europa dell'Est (il 33,8% del totale), con albanesi e romeni in testa, seguono immigrati dal subcontinente indiano (19,1% ), quindi cinesi (14,6%) e nordafricani (14%). In molti casi - spiega la ricerca di Scenari immobiliari - la scelta di comprare è legata alla difficoltà di trovare proprietari disposti a dare una casa in affitto oltre alla crescita degli affitti (il 60% degli intervistati la indica come motivazione) ma anche al desiderio di ricongiungimento familiare.
7.Assistenza legal for all legal disputes with public bodies, companies and private
L 'ANIM.I. Non-profit National Association for the 'Immigration in Italy
is composed of 540 Italian lawyers, present in all the provinces of Italy to form associations for legal assistance to foreign immigrants, to study legal problems arising from the socio-economic and social integration and cultural integration of immigrants, in cooperation with their countries of origin.
Association:
- pursues exclusively charitable purposes;
- performs only the activities mentioned in the Statute and those with directly related;
- do not distribute, even indirectly, profits and surplus funds, reserves or capital during its existence, unless the use or distribution is required by law or are made to other non-profit social organizations which, by law, statute or regulation are part of the same structure;
- uses the profits or operating surpluses for the institutional activities and those directly related thereto;
- in case of dissolution for any reason, will donate the assets of the organization, felt the control body, to other non-profit organization or public purposes, salvo diversa destinazione imposta dalla legge.
8.Sportello bancario Online
a.Il Microcredito
Il microcredito è uno strumento di sviluppo economico che permette l'accesso ai servizi finanziari alle persone in condizioni di povertà ed emarginazione.
Nei Paesi in Via di Sviluppo milioni di famiglie vivono con i proventi delle loro piccole imprese agricole e delle cooperative nell'ambito di quella che è stata definita economia informale.
La difficoltà di accedere al prestito bancario a causa dell'inadeguatezza o della mancanza di garanzie reali e delle microdimensioni imprenditoriali, ritenute troppo piccole dalle banche tradizionali, non consente these productive activities to start and grow free from wear. Micro-credit schemes provide alternatives for these micro-enterprises and in a sense, are comparable to loans.
fact, the problem of finding resources to start a business is common to both the profit sector and to non-profit, but the latter is made particularly painful by the very limited opening that offers the traditional circuit of credit.
resources must then be collected by other means and may be critical knowledge of local interest loans to public institutions, national or international projects to provide strong value social. A privileged port of entry to this world wide and a bit 'messy is represented by www.ideaetica.it: site goal is to support projects with ethical characteristics promoted by associations, cooperatives, organizations of various kinds, including businesses and government agencies including: the support is declined for information, consulting and in terms of visibility, making it possible to get in touch with an audience particularly interested in initiatives with these requirements. It 'a real ethical incubator projects, like the caption that accompanies the logo on the home page.Fra the most important resources of ethical idea is obviously the database on subsidized loans regional, along with the service on European tenders.
The site updates on new legislative and regulatory, administrative and tax also has a detailed review of legislation and an archive of case studies, a valuable tool for comparison, sorted by type of organization involved (non-profit association, municipality , cooperative, school, sports club etc..) and refer to the categories of persons (disabled, youth, women, teachers, unemployed) have any doubt, for example on some requirement to be satisfied, on submission of applications to participate in ' allocation of funds or anything else, you can send your question via the web: will an answer which will be added to the archive and then will be to the benefit of all users of the site.
To illustrate why this? Very Simple Idea
ethics launches a concrete proposal: the creation of a microcredit company SOLIDARITY SPA, a reality that was created to respond to requests for financial support from certain kinds of subjects "weak" who find it difficult to access the ordinary channels of bank credit. Although an aim to social content, "Microcredit Solidarity spa" does not aim to make the charity a grant. The initiative has already been implemented in Italy, in some areas but not in character nazionale e sistematico. A tale iniziativa devono partecipare Banche, Istituzioni locali, quali Provincia, Comuni,Curia e le principali realtà del volontariato.
La Struttura del finanziamento dovrebbe rappresentare una concessione volta a sovvenire necessità finanziarie non ricorrenti di privati e famiglie destinata in genere a:
- superare temporanee esigenze di liquidità derivanti da difficoltà eccezionali del soggetto richiedente e/o del suo nucleo familiare(quali pratica dei permessi di soggiorno, ricongiungimento familiare, contributo per affitto ecc,)
avviare delle micro attività imprenditoriali(in abbinamento a Idea etica, per la ricerca del finanziamento pubblico).
b.MOBIL MAT
Mobil Mat, Istituto Electronic Money is a structure that operates within diun'autorizzazione issued by the Supervisory Board, Bank of Italy, solely in the collection of funds for the operation of the Regulations and Transfer of them. The circuit is
International MASTER CARD.
The initiative has several purposes.
To provide businesses and individuals a money transfer service, greatly reducing the burden indecent normally paid to the banking system.
accounts and the cards have no fees account, seal, stamp duty and extract.
operations are arranged via SMS and e-mail or, for the less computer, via a telephone IVR system that is speech recognition. Connecting via e-mail
consumer area (www.mobilmat.it) is possible, at no cost, please see the balance and handling of your account or your card. It
debit card, then prepaid.
It 's true that there are many in circulation, ours are cheaper.
refills can be made at any branch of the PT or any bank or at our Point of Sale (PV) is
Assimpresa agent locations generale.Le Soul or whoever you may be sub-agencies or Point of Sale.
Each card costs for the customer (ie point of sale or Sub Agency) 5.00 €.
Every movement has a cost.
Withdrawal from ATM 1.90 €. Any other
handling € 0.99.
withdrawals abroad from country euro zone € 2.50. Drawing from an area
extra € 4.00%.
There are actually special cards, called Young Country, or, for young people abroad for reasons of travel, study or tourism or relatives of immigrants (emigrant remittances) for which such levies (carried out anywhere in the world) cost only 2.00 €. This
in general.
The issuance of each card from the PV to the right to ask more than the cost of emissions (up to € 5.97) one-off that we recommend should not exceed € 10.00 and, along with the cost of which above, is to step up cost of each card for the customer to a total of € 15.00. Once.
The proceeds received by the PV to activate the card (max € 10.00) are attributable to his total.
are also attributable to the PV of the income relating to recharges (in different ways depending on whether the partner is PV UIC or UIC): € 2.00 per transaction.
income relating to the movement are attributed to the PV sub agency or the extent of 14.00%. These
income (especially on movements) that may flow to your solidarity fund.
A possible draft Co-branding (MOBILMAT-Assimpresa-animated) that determines the level of the cost of the service may be determined by Animo.
And in this case, the proceeds amounted to 25.00%.
are substantial profits that are not operating costs.
are generated automatically from the handling of the cards.
There is another parallel initiative (but not replacement), which is one of our paper - more debt, more and Mastercard circuit - that is a loyalty card that allows savings on purchases at stores, chain stores or handlers fuel service stations settled immediately credited to the card.
is linked to this card (on request) the provision of microcredit in the first level - € 1500.00 - with light steps and a second level up to € 5,000.00 a bit 'more formalized.
Even the proceeds from this initiative could fuel the revenue of the solidarity fund.
9.Sportello Insurance Online
See, for example, the attached document
