2023-07-12 14:05:22
Get out of work, go to daycare to pick up the kids and go do some shopping. A banal end to the day, but which, a year ago, was an obstacle course for Céline Himmer, 38. Freshly divorced, unemployed, this resident of Mantes-la-Jolie (Yvelines) finds herself, in 2021, with three dependent children, with no other means of transport than the city bus network and the J line of the Transilien. “What was supposed to take me thirty minutes, like a doctor’s appointment, I dedicated my day to it”she recalls.
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Céline Himmer dreams of ending her sales career to become a medical secretary. But, for that, it is still necessary to be able to follow the training by going several times a week to Poissy, 30 kilometers from her home. She peels the classified ads for cheap cars published on Leboncoin. “With my budget, I only found wrecks or dodgy ads. »
His Pôle Emploi adviser then told him about Club Mobilité, a solidarity company of social utility co-created, in 2015, by Action tank enterprise and poverty, the Renault Group, the Association for the right to economic initiative, specialist in microcredit, and the Caisse d’épargne. This initiative allows job seekers, excluded from the new car market, to subscribe to a long-term rental with option to purchase (LOA). Beneficiary of the program since March, Céline Himmer pays 70 euros per month (over three years, with an option to purchase 8,000 euros) for a Dacia Spring (electric). Thanks to her new car, she landed an apprenticeship contract in a medical analysis laboratory.
“The key to employment”
“A section of the population does not have access to leasing, because the banks consider that these people have too low an income, at a time T, to be solvent. Conversely, the preferred approach is that microcredit, which involves taking into account the future income that the person will receive thanks to their new car, because mobility is the key to employment”, explains Nicolas Douziech, project manager for Le Club Mobilité. And, according to the company, this bet pays off, since the beneficiaries of the program are neither more nor less often in default of payment than other borrowers.
A long-lasting model which claims to be independent of any public subsidy, except those already existing – the conversion bonus and the ecological bonus make it possible in particular to lower the cost of electric cars for the beneficiaries. “We trade car fleets with Mobilize Financial Services [la filiale de leasing de Renault] to benefit from the most advantageous rates, but the economic model is not at a loss »specifies Jacques Berger, director of Action tank enterprise and poverty.
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