The pandemic of Covid-19 has been a setback for commerce and, specifically, for those who are dedicated to providing services to the sectors most affected by the restrictions. It is the case of the House of Memories, a store of Terrace which is dedicated to making embroidery, engravings and customizations of all kinds for corporate and private events such as weddings, baptisms or communions.
“The store fell into a hole of losses, uncertainties and fears of which I thought I could never raise my head,” explains Ada Pujol, owner of the Egarense store. Economic problems led her to a situation that ended up affecting her emotional health, generating many insecurities that hinder day-to-day business management. Ada’s is just one case of the 126 that the Pimec Foundation and Endesa are assisting through the Emppersona program, an initiative that aims to help self-employed persons over 45 years of age to regain confidence, resume, look for work or refloat your business.
According to data from the Pimec Foundation, 95% of the participants in the program have liquidity problems, 80% problems accessing aid from public administrations, 60% psychological problems and 45% are insolvent. “I started looking for help and came across the program. Thanks to the psychological care they gave me, I was able to face the situation and the training pills have helped me to get up to date on issues such as social networks and time management, for example, ”says Pujol.
The program is still open and any company or autonomous person that is in a difficult situation can sign up through the web. Subsequently, the Pimec Foundation studies and selects the cases, and in a few weeks begin to prepare a feasibility plan and begin to develop a business improvement plan with mentoring, advice and training of the participants.
Solve problems and activate employability
The Pimec Foundation emphasizes that having the capacity to adapting to changes is essential. In this sense, emotional well-being is essential to gain confidence and face problems. “Thanks to Emppersona we are coming out of the hole and we are raising our heads. You have to face the situation with a lot of positivity and with the desire to do many things, ”says Pujol.
Rosa Maria Juny, director of the Pimec Foundation, highlights that “economic problems are accentuated as the months go by and there is an increasing need to obtain short-term results.” The program combines the resolution of economic problems with reactivation of employability and psychological support. “The actions we carry out are aimed at refloating the companies and, if necessary, providing emotional, legal, job orientation, re-entrepreneurship and circular entrepreneurship support to make it possible,” says the director of the foundation.
Regarding the territorial scope, 40% of the 126 companies served by the program are located in Barcelona and the Vallés Occidental would represent the second area with 15% of the participants. In third place would be the Baix Llobregat with 12% of the participants.
Second Chance Law: Key Element
A key element for many companies and businesses that have been doomed to a complex financial situation has been the Law of Second Chance. Approved in 2015, This mechanism allows freelancers and companies to refinance their debts in terms of viability or cancel them. “The person can go back to the system, can go back to being a new consumer, a recipient of credit. We work so that the fact of having debts is not a factor of social exclusion ”, he explains Miquel Àngel Salazar, economist and lawyer and advisor to the Emppersona program.
“It is very important that the participants know how to undo the emotional blockage when they cannot face their obligations and that they see that there is a way out of their situation”, assures the advisor. In this sense, he emphasizes that it is very important that the Second Chance mechanism goes beyond technical-legal advice. “We give people a second chance. They can start again and are cleared of their debts “, assures the advisor.
Endesa’s public responsibility plan
This initiative has the backing of Endesa through its Public Responsibility Plan. Right now the second phase has been activated, which has a budget of 25 million euros. The objective now is socio-economic recovery through urgent aid to the most vulnerable people and the reactivation of the business fabric. The first phase, which was endowed with 12 million euros, was allocated to the purchase of medical supplies and donations to public and private institutions that were fighting the pandemic.