Emmaus Europe

This was more than just a football tournament

In July Emmaus Europe and IFS-Emmaus organised the first edition of the Emmaus Football Championship for Peace and Human Rights in Srebrenica. Touching speeches were delivered, new friendships were made and unforgettable experiences were had. This event brought together over 70 people, including 31 companions from 17 groups in 13 different countries. They reflected the diversity of Emmaus in Europe.

We had a good time over there,” says Gusti, a companion who has been living in the Emmaus Cabries community for 4 years. He signed up for the event in order to play football and to learn more about the Emmaus movement across Europe, but he did not expect to get so emotional when listening to people’s stories and whilst attending a conference on non-violence, “it was the first time I had ever been to a meeting like that. The content was really interesting and I learned a lot…Listening to Dzile and Abdul almost brought me to tears. I will never forget those moments.”

The stories of Dzile, who escaped the Srebrenica genocide, and Abdul, an Afghan refugee who is now a photographer, were indeed amongst the most touching moments in the agenda of this event on building peace and respecting human rights.

Zizou, a former companion who has now become a group leader in Cabries, agrees with Gusti, “I remember hearing about the war in Yugoslavia on TV and so to find myself in Srebrenica over 20 years later it was…emotional.” When we asked him what he thought of the stories of Dzile and Abdul, Zizou was unable to find the words to express himself, he was overcome with emotion. What he did outline was the importance of meeting people and the fun he had when playing football, “after the first day we had already become good friends and that was thanks to the football games. There were people from different age groups and cultures, who spoke several different languages…events like this are just amazing!”

This event was organised with a simple set-up: with time for listening to others, workshop sessions and conferences in the morning and football in the afternoon. In between the two we set aside some quiet time, time for artistic activities, for self-expression or for people to do anything else that they want to do. And nobody was forced into anything, “we felt like we were on holiday even though we had an agenda for meetings, the meetings were interesting too!” remembers Leïla, the leader of the Emmaus Iasi group in Romania who came to this event with seven companions from her group. “This event was a unique opportunity to bring companions to a gathering where they did not need to speak a foreign language and where they could learn more about the movement on the European level”. Aurélie, the leader of Emmaus Cabries, agreed with Leïla, “this event struck a chord with the companions. In 15 years with Emmaus this is the first time that I have seen so many of our companions attending an event and getting involved in the conferences. Within our communities we often live in a bubble and the wider movement…it’s almost something theoretical in a way so it’s great to spend some time to learn more about it and to see just how diverse and rich our movement is”.

On the workshop/conference agenda: a visit to the Srebrenica genocide museum and memorial followed by the intense speech by Dzile (a survivor of the massacre who chose to return to the region despite the trauma in order to build peace). The next day Daniele Taurino, a philosopher and member of the movement for non-violence, invited the participants to learn more about the concepts of non-violence in the context of a Europe at war. The next day Afghan photographer Abdul Saboor spoke with gentleness and a disarming simplicity about how he became an exile and about his work as a photographer. An exhibition of 16 of his photos was set up in the next room and Abdul took the time to tell the stories behind each and every photo.

The morning sessions were emotional and the participants sometimes left for lunch with heavy hearts. “It was like you dropped a rock into my heart Abdul…” said Maria-Luisa after listening to Abdul’s story. The afternoon sessions of football and relaxation helped people to shed this burden and to meet other members of the group. How many friendships were forged around the football pitches, in the stands cheering the players on or during the goal celebrations?

Sport as a mechanism for integration and learning

François, who is the Chair of the Emmaus Switzerland Federation and who has been part of the movement for almost 8 years, tells us more, “we never, or hardly ever, get the opportunity to sit down and share things with the companions. [At Emmaus meetings] we often talk about concepts, priorities, statutes, etc. But at this event, everyone was welcome, everyone was equal. Sport puts everybody on an equal footing. It felt important.”

During the football games in the afternoons nobody had a status, nobody was wearing a specific “hat”. There were no longer the participants on one side and the speakers, organisers, interpreters and sound engineers on the other side: everybody suddenly transformed into football players. François continued, “we just let everybody be themselves, the ‘Emmaus family’ feeling was really the aftertaste of this event”.

“The energy of the participants and their interest in the activities offered made everything easy to organise” said Sabina, the national delegate for Bosnia and a member of the executive committee of Emmaus Europe. Sabina also vividly remembers the unique atmosphere of this event.

As a co-organiser for this event on the behalf of IFS-Emmaus, Sabina’s expectations were high: she hoped that IFS would renew its relationships with groups from Western Europe and that a message of hope could be sent out to our Ukrainian friends. Yes – it is possible to rebuild, to see peace reborn from a pile of ash despite atrocities, as was the case in Srebrenica.

To conclude this amazing event the organisers had scheduled a ‘graduation ceremony’. Thus all of the participants were able to leave with a souvenir and all of the groups were able to take a trophy, of sorts, home with them. François told us, “during the graduation ceremony a companion told me, “nobody has ever given me a hug like that”. That just makes you want to cry! Moments like that are a gift, you know the event has been a success when you hear that”.

Just before the departure Joanna from Emmaus Lublin, who played the role of interpreter for the nine Polish people and the four Ukrainians present at the tournament, summed things up perfectly for this unique event, “these have been the five best days of my life!”

Everything paid off and the Emmaus movement was the winner.

Bosnia Herzegovina Defending human rights / Migration  News

Many fans came to watch their favourite teams play. © Emmaus Europe

Knitting together a social and circular future for textiles

An interview with Yvette Gumbs, the national delegate for the Netherlands. Yvette represented Emmaus Europe at the conference organised by RREUSE on the urgent topic of textile waste and the impact that this has on the fashion industry.

Let’s get started by talking about the current challenges in the textile market. What do you think are the main problems we are currently facing with regards to the textile industry?

The textile market is facing significant challenges in terms of sustainability and waste management. One of the main problems is the linear nature of this industry: textiles are produced, used and then thrown away at breakneck speed. Thus huge amounts of textile waste are produced and a significant proportion of these textiles end up being sent for incineration or to landfill sites.

Another challenge is the social impact of the textile industry, especially in manufacturing for fast fashion. In several regions across the globe working conditions are poor, wages are low and workers’ rights are often violated. We must solve these problems in order to build a fair and sustainable future for the textile sector.

Given the complexity of these challenges, how can we move towards a more circular and responsible textile industry in terms of its social impact?  

The transition towards a more circular and socially-responsible textile industry requires a multifaceted approach with the involvement of several stakeholders. First of all we must promote the adoption of more circular and socially-oriented business models amongst textile producers. They may need to focus on producing less in order to produce better as well as implementing new practices such as repairing items and taking into account the end of life when designing pieces.

Furthermore, consumers themselves play a key role in this transition. It is essential that we raise awareness about the consequences of fast fashion and that we encourage people to adopt more responsible behaviours such as purchasing second-hand clothing or renting clothing. Consumers may also decide to support sustainable brands that have adopted more ethical and environmentally-friendly practices.

Lastly, political decision-makers should encourage the adoption of sustainable practices by implementing legislation that limits the importing of products that are produced under sub-standard social and environmental norms as well as legislation that encourages reuse – by making Extended Producer Responsibility compulsory and by rewarding companies that take initiatives in order to protect the environment.

Extended Producer Responsibility (ERP) is a political tool that extends the financial and/or operational responsibility of a producer in order to include the management of the post-consumption phase for the product in question. The aim of this mechanism is to help us to reach our national and European objectives for recycling and waste diversion. Furthermore, ERP policies generally transfer the costs (either partially or fully) of waste management, and of the physical collection of waste items, from local authorities to the producers.

As regards textile reuse, have you come across any innovative solutions? Are any of the solutions promising in terms of reducing textile waste?

There are many exciting, innovative solutions in textile reuse that have a lot of potential. One such solution is technologies that recycle old pieces of textile into new fibres that can then be used to create new pieces. This solution helps to reduce our needs for new materials as well as reducing both waste and energy consumption.

Another great solution is the emergence of collaborative platforms. Such platforms facilitate the trading and renting of clothing as well as boosting the second-hand market. These platforms thus promote a culture of reuse for clothing, instead of simply throwing pieces away after they have been worn a few times.

Furthermore, social enterprises and NGOs like Emmaus have made significant progress in promoting reuse practices thanks to initiatives based on skills development and upcycling. Communities are thus able to create value from textiles that had been thrown away, and this then has an economic and social impact within the groups.

Circular economy / The environment  Netherlands News

Conference organised by RREUSE 22-23 June 2023, Berlin. © RREUSE

2023

Newsletter

Banks and poverty: how to prevent the hellish cycle?

In partnership with other French organisations, Emmaus France has just published a manifesto for universal financial inclusion.

In September 2021, inflation observed since summer 2021 was eroding people’s purchasing power and led to fears of households’ financial situations worsening; with household finances already weakened by the COVID crisis. Spearheaded by Emmaus France, a collective of organisations has formulated 16 recommendations for better financial inclusion and improved access to vital payment methods and banking services, involving beneficiaries in the process.

We met Thibaut Largeron, the report coordinator for Emmaus. He explains to us the challenges involved and the proposals made.

 Why have you decided to tackle this issue in France?

In France, the Emmaus Movement is a financial inclusion pioneer. In 1967 via SOS Familles Emmaüs (SOS FE), we invented personal supported microcredit, a concept that would be taken up by the public authorities in the 2000s. Our strong point: offering these advances from Emmaus’ own funds and outside the traditional banking system, sometimes to people with zero repayment capacity for whom funding a project (buying a vehicle, for instance) will enable them to access employment!

Likewise, budgeting and debt issues are at the heart of SOS FE’s work: since these organisations were founded, our volunteers have been offering support and budget advice to households, just like the budget advice service set up by the State in 2018.

More generally, ethical finance issues are one of the Movement’s priorities, affect all of our beneficiaries, and are relevant at the international level too: access to banking services for the most vulnerable people, access to credit, savings schemes, etc. . Nowadays, the financialization of our society and the liberal capitalist system mean that the banks’ economic model is based on exploiting the most vulnerable people: people on low incomes are hit hard by bank penalty charges, and those who are digitally excluded have to pay charges for services that are free online…without even mentioning the banks’ investments in fossil fuels!

The Emmaus Movement in France, via the national organisation, is also a member of the Observatoire de l’inclusion bancaire (Monitoring Unit for Banking Inclusion), headed by the governor of the Banque de France, under the auspices of the Ministry of Finance. The unit brings together representatives of all the relevant stakeholders (public bodies, third-sector organisations, banks). It is the central body for measuring and fostering financial inclusion. It gives us a legitimate voice, and, above all, we are expected!

When we use the term “financial inclusion”, what are we actually talking about?

According to the World Bank, financial inclusion means that individuals and businesses have access to […] financial products and services – transactions, payments, savings, credit and insurance […]. Banks therefore play a pivotal role in this process, as financial inclusion does not just boil down to having access to a bank account, but more general use of banking products and services: savings, access to credit, account services, account fees and penalty charges, etc.

The Manifesto for Universal Financial Inclusion covers all of these highly varied topics. We want to enable access to payment methods for all, for instance for the Emmaus companions without leave to remain, or asylum seekers, who do not have access to cash in France. Like many Emmaus groups around the world, we want to foster access to credit for vulnerable people, so that they can access employment and be independent. We are taking action to pre-empt and avoid serious debt through budgeting workshops for young people and prison leavers, and we want to roll them out more widely.

Finally, we are calling for a reform of bank fees to make them fairer: how can we accept that bank penalty charges in France bring in over €6.7 billion for the banks, with an average profit margin of 86%, and all on the backs of the poorest people? SOS Familles Emmaüs see every day in their work how these penalty charges fuel the spiral of serious debt. Finally, the last part of the manifesto focuses on news relating to the Ukraine war.

 The SOS Familles Emmaüs concept only exists in France. Can the model be replicated?

Indeed, there are 62 SOS Familles Emmaüs today in France. Solely made up of volunteers, they cater for and provide a listening ear to anyone experiencing financial problems. Having assessed their situation, the SOS FE put forward solutions to balance their budgets, avoid serious debt, and leave behind their difficulties. The SOS FE offer bespoke, personalised solutions that best fit each person’s situation; it is really painstaking work! For instance, they may offer a reimbursable financial advance, funded by the work of a community or committee of friends in the local area; making for a real chain of Emmaus solidarity!

These budgeting and “making ends meet” issues affect all Europeans: the precarious nature of employment, benefits not being uprated, the cost of housing and transport…all combine to quickly plunge households into problem debt. Costs are rising – with an average 10.4% inflation in Europe (10.5% in the UK and 8.6% in Germany, for instance) – and debt is piling up, and many households are experiencing major financial problems.

Moreover, for many years, the share of “fixed costs” (owed by households contractually or via subscriptions) has continued to rise! The work of the SOS FE chimes with other local contexts, and could quite easily be tailored to them. Moreover, outside Europe other groups are offering financial advances for occupational activities – while this differs, the issues around support may be similar.

Is legislation the same across Europe?

In France, we are fortunate to have a large number of mechanisms that protect people who are financially vulnerable. Indeed, over the past decade and thanks to the efforts of anti-poverty and consumer protection associations, the legal framework has been added to and improved. Several laws and then decrees have put in place an overall cap on bank penalty charges for the most “vulnerable”. In 2006, the State created a personal supported microcredit service, enabling people unable to access traditional credit to fund the expenditure involved in getting back into work. The legal right to a bank account (notably for people without leave to remain) has been simplified, but it still needs improving. Since 2016, France has had a national strategy on economic, budgeting and financial education (EDUCFI). However, there is still a lot to be done or to be improved!

What is being done in France could inspire other European countries, just like we draw inspiration from Belgian “universal banking service” or “basic banking service” initiatives, which also exist in Portugal (Cuenta Serviços Mínimos Bancários). At the European level, Emmaus France has worked on the rollout of the new directive on consumer credit, which the European Commission is in the process of finalising.

So are there things to be done at the European level?

Totally! As I was saying, the first stage could involve exchanges of practices to share our issues and draw inspiration from each other. This could also be highly beneficial!

For a year, Emmaus France has also been taking part in the European “Financial Inclusion Europe” working group. This network of experts and academics is committed to solving financial exclusion by engaging with the EU institutions and raising their awareness, but also giving a voice to those affected. The EU may be the right level at which to achieve change! The new credit directive is a step in the right direction, i.e., protecting and informing consumers.

Resources

Manifesto for Universal Financial Inclusion
Comparative analysis of basic bank accounts in Europe (Financité research – Anne Fily)

France News Tackling Poverty / Solidarity