Professional Documents
Culture Documents
ENTREPRENEURSHIP
for people in
Interface communities
"The European Commission support for the production of this publication does not constitute an
endorsement of the contents which reflects the views only of the authors, and the Commission
cannot be held responsible for any use which may be made of the information contained therein."
Who is this module for?
This module can be used by anyone (person or organisation)
who is passionate about doing something to change or
address interface challenges in their communities, towns,
cities or regions. It is also for existing enterprise agencies and
VET providers who want to learn more about supporting and
serving their diverse communities.
About this Module
Having come through Modules 1-3, you should be coming to
this module enthused and inspired, bursting with ideas of
how you can improve your Interface Community. In this
module and the next (Module 5) we will look at Enterprise
and Entrepreneurship in more detail as a key integration
and community development tool.
Module 4 works to foster a culture and deeper appreciation for
entrepreneurship among marginalised and minority groups in
Interface Communities. It looks at some of the specific barriers
these groups face and offers some inspiration by way of case
studies for how communities and organisations can work to
help these be overcome.
Learning Focus of Module 4
In this module you explore
Why Entrepreneurship ?
Benefits of Entrepreneurship in Interface Areas
Barrier to Entrepreneurship for Marginalised Groups – migrants,
ethnic entrepreneurs etc.
Case Studies of Successful Migrant, Ethnic and Marginalised
Entrepreneurs
Best practice (and replicable!) EU projects and programmes
supporting Migrant, Ethnic and Marginalised Entrepreneurs
Signposting to Enterprise Supports in the Netherlands
Practical Learning Focus
This module includes individual and group work
exercises with the following icons
Group Discussions
Video
Downloadable Resources
for extra reading
Why Entrepreneurship?
Entrepreneurship is not only about new ventured and
creation, it is also about a way of thinking and behaving. It
is about people who see an opportunity, gather the
resources required, and then build a group of people about
them who will help fulfil the ambition identified.
People with entrepreneurial characteristics are generally
positive in their mindset, individuals who look to make
things happen, rather than wait for others to lead the way
It is recognised that the greater the participation rate in
entrepreneurial activities, the better the economic
growth, which is beneficial for a society as a whole. In this
way by embracing entrepreneurship and contributing to
society as whole, those that are from disadvantaged
interface areas and minority groups can "cross the divide"
and establish themselves as important contributors to
local economies and communities.
Why Entrepreneurship?
According to the economic growth theory,
entrepreneurial activity helps to further a level of
general welfare of a society where growing incomes
living standards and life quality also improve.
If they are residents of the European Union they can live in the
Netherlands without a visa. Migrants from outside the European
Economic Area must have a visa/permit to work, live or study in
the Netherlands.
• International benefits:
Entrepreneurial activities pursued
by minorities, particularly those
from other countries, can pave the
way for domestic and
international trade expansion’‘
Refer to Module
Learner Workbook.
The tiny island of Bute in Scotland is one of the last places you'd
expect to find a Syrian hair salon. But for the past year the island
has been home to 15 Syrian families trying to rebuild their lives.
The BBC's Mohamed Madi went to Bute to meet one of them.
Traveller entrepreneur
Meet Leanne McDonagh –
Artist, Teacher and Traveller
EXERCISE 2:
WATCH LEANNE’s
VIDEO & Download
CASE STUDY
Refer to Module
Learner Workbook.
• Peer to peer support for each other gave them the encouragement
to name their fears and to take a risk in trying to overcome them.
In terms of ethnic
SECOND/THIRD
GENERATION
ETHNIC MINORITIES
26
MILLIO
minorities, the European N 2% Finland
Union tell us there are at
present
13.6 million
roughly
resident immigrants &
ethnic minorities & 26 million UK 7%
when second & third generations 9% Netherlands Germany 9%
ethnic minorities are taken into
account. 9% Belgium Austria 9%
The proportion of ethnic
France 9%
minorities varies in the Member
States, from under 2% in Finland
to around 9% in Germany, France,
the Netherlands, Belgium &
Austria to 7% in the UK .
Profile of Ethnic Minority
Businesses
▶ The number of entrepreneurs has grown since 2000 and the share of
ethnic entrepreneurs has grown form 12 percent in 2000 to 14
percent in 2007.
▶ Ethnic minority businesses still tend to be concentrated in the
hospitality sector.
▶ Ethnic minority business owners earn on average less profit than
indigenous entrepreneurs, although this gap is narrowing. The ratio
of the profit of ethnic entrepreneurs in comparison with indigenous
entrepreneurs decreased from 0.90 to 0.85 from 2000 to 2009.
▶ Access to finance is a perennial issue for EMBs (and often for small
firms per se).
https://www.rijksoverheid.nl/binaries/rijksoverheid/documenten/rapporten/2011/02/21/monitor
-vrouwelijk-en-etnisch-ondernemerschap-2010/definitief1912011-rapport-vrouwelijk-en-etnisch-
ondernemerschap.pdf etnische minderheden ondernemerschap
Video Case Study – Rafael dos
Santos
Overcoming barriers such as language and
integrating in to the culture are the first
steps in becoming a migrant entrepreneur
but the endless battles with your inner
voice to defeat you are part of every day
life of a migrant.
Rafael talks about the three main
barriers to entrepreneurship he faced:
FUNDING | NETWORK | KNOWLEDGE
He also talks about barriers as also being
driving forces – “because you are too
ashamed to go back home with your tail
between your legs.” EXERCISE 4: WATCH RAFAEL
DOS SANTOS VIDEO
Click to watch
https://www.youtube.com/watch?v=LwUn
Refer to Module Learner Workbook.
Uiyh-8Q
Barriers to Migrant Entrepreneurship
– Access to Funding
Click to watch:
https://www.youtube.com/
watch?v=s-
Signposting to Enterprise
Support in the Netherlands
▶ In Module 2,we explored how community champions can raise funds
to resource their projects. Supporting enterprise projects is a
different format and approach.
▶ For any start up business, the challenge of putting together the
financial investment package can be daunting, but research is very
clear, it is all the more challenging for those from a minority
background. Signposting and access to information and grants is
absolutely critical.
The Chamber of Commerce is the First Stop Shop for anyone seeking information
and support on starting or growing a business in the Netherlands. There are 19
offices spread over the Netherlands, including 5 ‘Ondernemerspleinen’ (Plazas for
Entrepreneurs) in Amsterdam, Arnhem, Eindhoven, Groningen and Rotterdam.
• Conditions
– You are 18 years old or older;
– You are a starting entrepreneur or an existing entrepreneur with less
than 5 employees;
– Your company is active in the Netherlands;
– You have a detailed businessplan.
Qredits .
microfinance
Based on business plan –everything comes back to the
business plan
• Max. € 50,000.00
• Term from 1 to 10 years
• Interest rate of 8.75% or 9.75%
• Possibility to extra redemption
• Including free e-learning
• Optional: 1 year coaching
• Useful loan calculator - qredits.nl