Aid for women entrepreneurs in Spain

Aid for women entrepreneurs in Spain

Image result for women entrepreneurFor many women and also for many men, entrepreneurship has become an outlet for the crisis and the unemployment situation.

On the other hand, female entrepreneurship has become a struggle of the authorities to try to stop the inequality between sexes since there is still a large wage gap as well as level of responsibility in companies.

To do this, they have created programs to support women ‘s entrepreneurship and p romotion of equality in employment. These are managed by the Ministry of Health, Social Services and Equality through the General Directorate for Equal Opportunities . The main functions of this General Management are two:

Main programs to help women entrepreneurs

Due to all these inequalities, the institutions in recent years have created a series of programs aimed at helping women entrepreneurs in different areas and in different ways, among which are:

  • Microcredits for entrepreneurs. It consists of a series of microcredits under very advantageous conditions for women to undertake. No guarantees are required, they do not have opening, study or amortization commissions and a fixed maximum interest of 7.75% is applied. In addition, they have a repayment term of 6 years. Its purpose is to promote the establishment, maintenance, consolidation and growth of companies managed by women.
  • Business Support Program for Women (PAEM). It has more than 12 working and helping women entrepreneurs through direct and personalized attention in the Chambers of Commerce and through the portal
  • Innovatia Program . It is a project promoted by the University of Santiago and the Women’s Institute aimed at supporting the entrepreneurial spirit of the new university graduates and helping them to implement their personal projects.
  • Innovative Entrepreneurs It is a program financed through FEDER Funds and that with the collaboration of the Foundation of the School of Industrial Organization (EOI) and other institutions such as CCAA and County Councils. Its objective is to help women entrepreneurs through personalized support and consulting in innovative knowledge sectors.
  • Program with agro-food cooperatives . This is a project aimed at promoting the leadership and employment of women in the decision-making bodies of the agro-food cooperatives.
  • Female entrepreneurship in emerging sectors . With the collaboration of the INCYDE Foundation and co-financed with the EEE Funds, this program promotes assistance to women entrepreneurs through counseling, information, personalized follow-up and assistance in accessing financing. It also promotes the free use of services from Chambers of Commerce and direct access to Business Incubators.

Radiography of women in the labor market and Spanish entrepreneur

Regarding the figures, it must be borne in mind that women’s data is still far below that of men in the labor market.

In this sense, according to the latest data from the General Directorate for Equal Opportunities, the female activity rate is 52.9% .

Regarding entrepreneurship, the entrepreneurial activity index is 4% in women and the presence of these as employers is 30.33%. In addition, another fact to take into account, is that women represent only 33.4% of total self-employment .

According to the latest studies of the sector, the profile of the Spanish entrepreneur is a woman between 25 and 34 years old , with university studies , who creates her business with an initial investment of between 1,000 and 2,000 euros and who launches into entrepreneurship because she is in unemployment situation.

How is the relationship of women with money and finances?

How is the relationship of women with finances and money? Are there differences today with respect to man?

Image result for women and moneyI tell you my experience. Currently I am an expert in training people, families and the self-employed to have a good relationship with money and achieve healthy finances . I started very young, with 19 years, to work in a Financial Entity, a world classically dominated by men, with a mentality towards money very different from that of women. We entered by opposition several compañeras and that fact had value then, because it was a world traditionally attended by men. Currently the presence of women in companies, banks and savings banks is widespread.

How did we feel? On the one hand, there was great curiosity about this silent invasion of women in the financial field. On the other hand, we felt some rejection. Some of our colleagues openly expressed their disagreement that women who “should have been in their homes” and “leave jobs for men” had been given the opportunity! as it had always been done!

But the labor revolution had long since begun in the world, especially in the most advanced countries. Women, definitely, we had prepared and trained in schools and universities to occupy a space in the social and work environment. So my classmates and I were making ourselves known for being hardworking, serious, fulfilling, effective. In addition, we are discreet, in the background, away from the ambitions of promotion that showed the male partners.

Since that time my professional career in Banking and Savings Banks has been developed to hold management positions and to know widely the complex financial world. What do I value most about this stage? I have had the opportunity to meet thousands of people and discover their patterns of how they relate to money and finances. Throughout my personal and professional experience I have understood what are the emotional difficulties that prevent people from accessing a wealth mentality. Now I share my knowledge with people in a practical way.


What difficulties do women have, even today, in the economic sphere?

Women, especially those from the rural world or with little culture, have difficulties in mastering finances. The “patterns” or roles of man and woman were once very defined. The contribution of income to the household, historically, has corresponded to man. The woman was responsible for the upbringing and care of the house. Understanding bank statements, card contracts, loans, financial products and all the extensive bank terminology has been difficult for women.

How has this lack of financial education influenced women?

Image result for financial educationIf the woman has decided to start a business, it has been difficult to develop a business plan that includes the essential pillars for its viability: Product, Marketing, Marketing, Financing, Sales Channels.

Key # 1: Women still need to strengthen their knowledge in the area of ​​finance, know the financial and banking terminology, know how to prepare a business plan and foresee its viability. The benefits are important: They will feel more secure, they can focus on the specialty they have. Finances will no longer be a problem but a resource to be managed.

Does it cost women to exercise their leadership in economic issues?

Oh, so many years occupying a second place in society leaves a mark on women! Women have been occupying positions in society and exercising responsibilities, albeit at the cost of enormous personal effort to fulfill the best in work, at home, with family and children. The reconciliation of personal and professional life is a pending issue in our country.

So many open fronts, coupled with the lack of support from governments, has made women choose in many cases to occupy more discreet jobs, to deal with family businesses, trying to maintain the difficult balance of exercising business leadership with the role of wives, mothers and daughters.

Key No. 2 : Women should promote policies to reconcile personal and professional life that allow us to have an economic, social and educational coverage essential in the years of upbringing and education of children. In this way, when the woman does not have on herself the greater part of responsibility in the raising and care of the home, she will be able to concentrate also on the professional development, exerting the leadership that is her own.

“At this point, despite the fact that 60% of graduates are women and have the best records, there is still no effective correspondence between that preparation and their presence in the management positions. “Women represent a great talent potential for companies, which is already evident in their excellent academic records and their results in competitive examinations and first years of professional career, which can not be wasted. It would be very effective to promote, from civil society, more than from public institutions, a platform with broad support that aims to boost the use of female talent in business and productive activity “.

Disturbing: “that presence is not stable and significantly recedes with any wind of crisis.” Source: # The manager woman in Spain

In summary, I think there is still a very large gap in the occupation of women in management positions, especially in the economic area. In my opinion, women, by our values, exercise an important benefit in the productive society. We are more prudent in the assumption of risks, tend to think about the team or set of social and economic needs for our education as “carers”. Except for exceptions, of course! Leadership, professional development and good relationship with money are related. We have much to do. Each of us, with training, knowledge and experience, we are moving forward from our workplace, from our company.

What do you think?

Muriel Penicaud: “We will move to an obligation of result in terms of equality between men and women”

The Minister of Labor is giving herself three years to close the 9% salary gap that continues to exist between men and women and remains unexplained. It details for “Les Echos” the government’s plan to try to achieve this ambitious goal.

Image result for Muriel PenicaudOn the occasion of International Women’s Day on March 8th, the government presents a plan of about twenty measures to fight against the wage inequalities between men and women in the company as well as the sexist and sexual violence in the world of work. The Prime Minister, Edouard Philippe, received all the social partners on Wednesday to present the plan that details the Minister of Labor, Muriel Pénicaud, for “Les Echos”.

What is your plan to fight against inequalities between men and women?

This action plan is submitted today to the social partners. In terms of wages, we all agree on the fact that the law that sets the principle of “equal pay for equal work” is 45 years old, and still today it is not applied and inequalities persist. delete by 2022. It’s ambitious but inescapable.

So we looked for pragmatic measures that could change the game. Today, in France, for equal work, the unexplained gap between the remuneration of a man and a woman is 9%. The problem must be tackled head-on. It is a question of social justice for women but also of competitiveness for companies. Many studies show that mixed enterprises are more efficient, more innovative and more attractive.

How do you plan to do it?

The first topic is the measurement of the pay gap. Today, she is not normal. We will make available a software free of rights (NDRL: as it exists in Switzerland), which will be integrated into the payroll software from 2019 for companies with more than 250 employees and in 2020 for others that will measure this gap . This will allow each company to evaluate the wage effort needed to remove it.

A specific envelope for women’s catch-up in the context of mandatory annual negotiations is a path to explore. We could give businesses until 2022 to comply with the law. If they are not, they will be punished. We will substitute an obligation of result for the present obligation of means.

Does having a dedicated envelope in the mandatory annual negotiations for women’s catch-up pay the risk of depriving other employees of an increase?

That’s why we’re giving businesses a deadline by 2022 to eliminate unexplained pay gaps between men and women. If you do it over a year, you run the risk that no man will be increased over this period. Over several years, we avoid this pitfall.

Will you also reform the sanctions regime?

Yes. The sanctions of companies that do not respect the principle of “equal work for equal pay” will be increased The sliders are not yet fixed We will discuss with the social partners We will also multiply the controls by the labor inspectorate corporate obligations with regard to equal pay, starting this year, and going from 1,700 checks a year to 7,000 checks a year.

You mentioned the idea of ​​publishing the names of companies that do not respect their obligations, the name and shame. Will you do it?

Sanctions are not enough. In addition, we want to set corporate transparency goals. Public opinion has changed, it has become much more sensitive to the subject. There is now a strong image issue around professional equality. We must rely on it. We will therefore force companies to publish on the Internet the overall wage gap and give elected representatives of the Social and Economic Committee access to detailed data by category of employee.

And because listed companies must set the example and the, we will involve their governing bodies on the subject. We are going to ask for the update of the Afep / Medef code so that the boards of directors produce an annual debate on equal pay on the principle of “comply or explain”, that is to say apply or explain.

What other levers do you plan to operate?

We also count on the action of the professional branches which must produce an annual report. They will have to give an account of their action on classifications, the promotion of gender diversity so that they serve women’s career paths. We will also reform the Equality label, and push the best practices to better reconcile family life and professional life, such as telecommuting for example, which is now a right since the publication of ordinances on labor law. This right also benefits men. It should also be added to the fact that now employees working at least half-time, of whom there is a majority of women, will have the same rights to training as full-time employees.

What is the link with Marlène Schiappa’s bill on March 21?

Marlene Schiappa’s bill is broader, it concerns sexist and sexual violence in society as a whole. We work closely together because it is also a subject of the world of work. We have planned several measures on this point in our plan announced this Wednesday. As for the legislative measures concerning equal pay and working life, they will be included in the draft law on the freedom to choose one’s professional future, which I will present to the Council of Ministers at the end of April. The fact of appointing a referent in the company that allows the victim to have an interlocutor with whom she can speak with confidence and the training of all professionals likely to accommodate victims are part of it.

Equality between men and women: the government unveils its plan of attack

+ VIDEO. Fifty measures, much of which had been announced in recent weeks, were presented this Thursday at an interdepartmental council.

The government unveiled this Thursday morning, on the occasion of International Women’s Day, its plan of attack for gender equality. In total, about fifty measures, much of which had been announced in recent weeks.

The current context of “liberation of the word of women” and listening to this word “must allow us to make even faster progress” to “meet the urgency and be up to the stakes,” said Edward Philippe at the end of an Interministerial Council, which was symbolically held at the Curie Museum in Paris. An envelope of 420 million euros is planned to implement this plan.

Involvement of the whole society

Gender equality will be the priority of the agenda of the French presidency of the G7 in 2019, announced the Prime Minister, who also wanted the public services to be “exemplary” with “more balanced appointments on management jobs of State “.

He also called on the whole society to get involved. “Promoting the culture of equality between women and men will not be achieved only through official statements, ex cathedra speeches at school,” he said. “All those who have something to say in society must grasp it,” he said, citing teachers, artists, and “all cultural production for youth” .


Believing that “everything starts at school” because it is “at the beginning of the process of socialization that we must fight against sexist prejudices” , Edouard Philippe confirmed that a “referent equality would be appointed in each school” from of the autumn of 2019. To develop the mix of trades, the objective is to have in higher education 40% of girls in the scientific sectors by 2020.

Equal pay

Regarding professional equality, the government announced Wednesday that companies with more than 50 employees with “unjustified” gender pay gaps will be punished from 2022 with a financial penalty of up to 1% of their mass. wage. This measure will be included in the law on social reforms (unemployment insurance, apprenticeship, vocational training) that Muriel Pénicaud must submit to the Council of Ministers at the end of April.