Immigrants access to Credit in Italy - Integration through credit and oppotunities for the economy? E-stat Gruppo Delta, in scientific partnership with Censis, has analysed the economical behaviour of 800 immigrants residing in Italy, in order to define the key traits of this complex mosaic, made up of so many different "subjective points of view" and defining its main components. IMMIGRANTS AND ECONOMIC CITIZENSHIP CONSUMER STYLES AND ACCESS TO CREDIT IN MULTI-ETHNIC ITALY Abstract It is however undeniable that foreign immigrants living in Italy today show a remarkable economic vigour and that their relationship with the credit system shows appreciable levels of social-economical inclusion. Indeed, the average 51% yearly increase 1of overall credit granted to immigrants, between 2000 and 2004, is enough to point out that the role of foreigners living in Italy has rapidly changed and, together with it shall the credit offer system change in order to be able to seize new business opportunities, the one a modern country (as Italy wants to be) can offer. Defining a generic credit product for immigrant families is not enough. It will be necessary to devise a whole family of products and services, as many as the different needs and demands of the immigrant families; just like it is with the different credit products addressed to Italians. Only those credit operators will therefore be competitive, that will manage to tear down the seriously limited strategy of focussing only on an "all-Italian" market, and will instead broaden their view on those market segments that are composed also by foreigners capable of bringing up new opportunities as well as a variety which represents a great wealth to be preserved at all costs. Taking the aforesaid assumption as starting grounds. ID: 37127 Author(s): iff Publication date: 30/03/06

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Created: 30/03/06. Last changed: 30/03/06.
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