Our international action
About Adie
Inspired by Muhammad Yunus’s microcredit model, Maria Nowak adapted the concept for France and founded Adie in 1989. Adie is a regulated non-profit microfinance institution committed to defending everyone’s right to economic initiative.
Adie provides financing and support to entrepreneurs, while also offering access to micro-insurance products and personal loans designed to help people gain access to employment.
Our impact
Adie’s action generates a sustainable economic and social impact:
95% of clients are in professional activity 2 to 3 years after obtaining the loan.
78% of the businesses created are still in operation 3 years after the funding.
Each euro invested in Adie generates €4.94 in economic returns after 2 years.
Key figures at the end of 2025
105,000 active clients
€360 million in outstanding loans
47,000 funding grants disbursed in 2025
⅓ of our portfolio is located in the Overseas Territories
€500 million in total assets
Today, Adie relies on
209 branches in mainland France and overseas territories
4 call centers
950 employees and 1,400 volunteers
Adie branches
Adie branches in the city’s disadvantaged neighborhoods
Customer service platforms
Our international programmes and services
International engagement has been at the heart of Adie’s DNA since its creation, inspired by the microcredit model developed by Muhammad Yunus through Grameen Bank in Bangladesh.
Since 1989, we have contributed to the creation of five microfinance institutions in Europe and the Mediterranean region, as well as two European networks in the sector. Today, we continue to share our experience with our European and international peers to strengthen the impact of microfinance. Today, our international activities focus on three key areas:
Putting our expertise at the service of microfinance stakeholders through technical assistance, consulting, and audit assignments, as well as participation in the governance of institutions.
Working with our international partners to co-develop cooperation projects and contribute to European research and advocacy initiatives.
Exploring new practices through peer-to-peer exchanges, particularly through the Erasmus+ programme.
Our expertise for microfinance actors
With more than 35 years of experience in France and internationally, Adie puts its expertise at the service of organisations seeking to develop inclusive microfinance services tailored to the needs of entrepreneurs.
Adie International: Discover Our Work!
Explore our interactive map to discover examples of our international cooperation projects, technical assistance missions, and European exchanges through the Erasmus+ programme.
Taking action with our international partners
We develop partnerships with microfinance institutions, European networks, public-sector stakeholders and organisations committed to financial inclusion and entrepreneurship.
A history of co-creation with our partners
Working alongside local partners, Adie has contributed to the creation of five microfinance institutions in Europe and the Mediterranean region. Today, it is involved in the governance of AFI, Microlux and Microstart.
