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Beyond the threshold


ico educazione internacorso educazione finanziariaBeyond the threshold. Improve the integration of migrants through skills and knowledge in the economic and financial field



Italy, Spain,
Portugal, Belgium


From September 17 , 2012 to March 16, 2014



The project, which is co-funded by the European Fund for Integration intends to facilitate the integration of migrants from third countries in the societies of the hosting European country. The project focuses, in particular, on improving integration through access to the job market and an effective and mindful management of the migrants' financial resources. These aspects are highlighted also in the EU principles for integration, which state that the employment of migrants and their access to public and private services are a key factor in the process of integration.
The project coordinated by ACRA, is implemented, as well as in Italy, in other 3 European countries: Spain, Portugal and Belgium.

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Promote, through courses of basic training, effective language skills that enable migrants to more easily access the job market and the financial services in the hosting country.

In a more broader sense the project will contribute , therefore, to strengthen the integration of migrants from third countries in Italy, Portugal, Spain and Belgium helping them to achieve financial independence.



  • Language course: basic concepts in the economic and financial field.
  • Training course for learning how to communicate in the job world.
  • Training course in start up and management of small businesses.
  • "Dream Big!" competition to finance the best business ideas submitted by migrants.
  • Training course in financial literacy.
  • Production of a kit with financial information to distribute to the banks in Italy.
  • Production and distribution of information material on job opportunities and with other useful information for the migrant communities.
  • Production and broadcast of radio programs dedicated to economic and financial issues tailored on the needs of the migrants.
  • Awarding of a scolarship to 8 migrants attending the higher training course "Labour Migration Academy" organized by ILO Training Centre in Turin.
  • Organization of an event in every country involved with a meeting between migrant entrepreneurs and enterprises of the hosting country.




Direct beneficiaries and stakeholder:

  • Around 1,750 migrants from third countries living in Italy, Spain, Portugal and Belgium attending the activities implemented by the project.
  • Bank institutions and agencies, companies, cooperatives, employment centres and training centres: at least 240 involved in the activities and around 2,000 reached by the information material produced by the project.

Indirect beneficiaries:

  • The families of migrants who will indirectly benefit from the project results and outputs.
  • Local Authorities of the countries involved who will be informed to give continuity on the territory to the results achieved.




Amongst the migrants attending the training courses there aren't just single people but also representatives of the associations and/or groups of migrants already rooted in the hosting territories: this will guarantee a multiplier effect and follow up of the experience within the associations they belong to.
The tools created, such as the kit on financial services, and the contents of the courses have been elaborated and planned to be easily accessible and understandable to migrants, also for those who do not speak the Italian language fluently. In this way the project provides a solid and consolidated base of understanding for a mindful management of savings and a greater clarity of the services present on the hosting territory.



Total value:
826.724,80 €


Principal funder:

ue   European Integration Fund


FORMAPER- Formazione e Servizi per l'imprenditorialità
CO.LI.DO.LAT- Coordinamento Ligure Donne Latinoamericane
SA-Fundation Sevilla Acoge
FAMSI-Fondo Andaluz de Municipios Para la Solidaridad Internacional
IMVF- Instituto MArques de Valle Flor
CAAD Belgique asbl