In the Migrant’s Paradox, Suzanne Hall takes you on an excursion to the world of migrant shop proprietors in the urban margins of five UK cities, exposing it as a world full of controversies and contradictions.
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All over the world entrepreneurs drive changes. They develop new products and services, inspire others and take decisions that result in growth of their businesses. But the world around entrepreneurs is changing and so are entrepreneurs. Life-long selfemployment or permanent wage employment are of the past. And the way people perceive self-employment is changing as well. And so must our thinking. Changes in our society call for policies and programmes in support of enterprising people. Diversity, mobility and connectivity offer new opportunities for enterprising people. Markets are changing, become more accessible and there is less need to be bound physically to one place for an entrepreneur. New avenues for business are open thanks to our improved access to information, our connectivity globally through social media and our ability to travel freely and frequently from one country to another. With less focus on life-long (self) employment people now combine paid work (or unpaid – house- work) with self-employment, or opt for just parttime entrepreneurship. New, hybrid forms of enterprising emerge. This combining of work with self-employment is rather common in developing countries, but in Europe it is a phenomenon not yet reported on in statistics and for which policy makers and service providers have no answers yet. Neither exist clear definitions or classifications. This book may serve as an eye-opener: hybrid entrepreneurs are indeed around us and deserve our attention. The research unit Financial Inclusion and New Entrepreneurship of The Hague University of Applied Science challenges policy makers, academics and service providers (such as educational institutes, business advisers and financial institutions) to pay more attention to hybrid entrepreneurs, those enterprising people who intend to create new values for a fair and sustainable society. They might not yet been seen, but they exist…..
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Amsterdam is known to be a cosmopolitan and multicultural city where newly arrived migrants find opportunities to test business ideas. Behind every business idea, there are people supporting the entrepreneurs’ initiatives and providing feedback. This chapter examines the role of those people in the process of refining business ideas being implemented in the city. The literature about the role of connections in business highlights the value of networks’ diversity for creativity and innovation. I argue that both diverse and similar business connections have their specific role in the adaptation of a business idea to Amsterdam’s context. The specific role was analyzed from 509 business connections in 41 businesses. Qualitative information and ego network maps were collected to measure similarity indexes in: place of residence, nationality, and level of education of entrepreneurs. The results show that migrant businesses in the multicultural market of Amsterdam rely on diverse and similar connections acting together: similar ones as a safety net where ideas develop and diverse ones where ideas are quickly tested. Migrant entrepreneurs actively use their business connections to carve a niche, whether strengthening relations with migrant-based markets or moving toward the high-end segments of the local market.
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Amsterdam is known to be a cosmopolitan and multicultural city with multiple economic opportunities. Such context provides suitable legal, political and economic conditions where newly arrived migrants are introducing their business ideas. Migrant entrepreneurs are interacting with the economic ecosystem of Amsterdam using their entrepreneurial ideas, and this paper examines the diversity in their networks of business contacts involved in their business idea. While earlier studies have shown the benefits for entrepreneurs when using contacts to reach resources, advice and support; the situation for migrant entrepreneurs can help us understand better various aspects of network diversity. The starting idea is that migratory processes (partially) break business connections created before migration, for example with classmates or former colleagues. But, partly thanks to digital communication, some of those networks are being kept and used as support in the country of destination. I describe the way that migrant entrepreneurs combine different people for business purposes, and based on this analysis I show the various facets of network diversity that play a distinct role to support the business of migrant entrepreneurs in Amsterdam’s urban ecosystem.Networks of contacts who are created as part of the migratory experiences contribute largely to the choice of the sector and the product. Contacts with strong relationships help migrant entrepreneurs to find their way in a new location (Fullin and Reyneri, 2011; Ambrosini, 2013; Toruńczyk-Ruiz, 2014). These contacts provide the (business) support that migrant have (partially) lost due to migrating; and they also provide information and resources used in the implementation of the business due to geographic proximity (Nathan, 2015; Solano, 2015).
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This report maps different programs that supportrefugees on the road to entrepreneurship. The municipality of The Hague, along with the refugee and migrant support organization EnterStart (MigrantINC) asked for an evaluation of the program The Hague Test Garden (from now on called The Test Garden) where refugees can ask for help starting their own businesses. The evaluation is not just based on the experiences in The Test Garden; other programs have been included in the evaluation to come to a broader view of the road to entrepreneurship and the obstacles encountered. The increased inflow of refugees in Dutch society and on the Dutch labor market has generated different support programs for starting-up a business. Some of these programs already existed but shifted to accommodate the needs of this specific target group. Other programs were initiated to support refugees because of perceived barriers in Dutch society. Most programs are private initiatives, funded on a project basis. In the Netherlands, refugees that hold a residence permit are called ‘status holders’. Upon arrival, they received a temporary permit for at least five years. They need to follow a civic integration and language program and they are expected to be part of the (regular) education system or labor market as soon as possible. The Test Garden started in 2016, a time when multiple support systems for refugee-entrepreneurs began their programs. This report starts with a short overview ofrefugee flows to the Netherlands. The main part of the report consists of the comparison and evaluation of the different programs. The information was gathered through literature, websites, and in-depth interviews with program managers and others involved. Interviews with the participants are only included for The Test Garden (Appendix 1 gives an overview of the meetings and interviews). LinkedIn: https://www.linkedin.com/in/karijn-nijhoff-89589316/
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Introduction by Klaas Molenaar and Margot Lobbezoo about the diversity of entrepeneurs. Every day we meet entrepreneurs; when we visit the deli at the corner, order a taxi, have a cup of tea in the bar on the other side of the street or go to a hairdresser. They are everywhere and they have many faces. And there are many opinions about entrepreneurship.
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Om actief te kunnen deelnemen aan de samenleving, moet iemand toegang hebben tot financiële diensten. Onze samenleving wordt steeds meer divers, mobiliteit en sociale media beiden nieuwe kansen voor ondernemende mensen. Ondernemers zijn niet meer plaats gebonden en kennen geen grenzen als zij markten verkennen. Werk en ondernemen worden steeds meer in combinatie opgepakt. Oude vormen ondernemen en werken verdwijnen snel. Deze hybride vormen van ondernemen vragen om een kijk op financiële ondersteuning. Banken die daar niet op inspelen zullen zien dat mensen zelf het heft in handen nemen. Crowdfunding, P2P platforms, en informele spaar – een leen groepen komen snel op als reactie daarop. Mensen willen weer zeggenschap en controle hebben over hun geld. In het buitenland is gebleken dat microfinanciering een goed instrument is om mensen die buitengesloten zijn, weer bij de maatschappij te betrekken ( Financial Inclusion). Microfinanciering leert anders te denken over geld en ondernemend handelen. Microkredieten bewijzen dat je waarde kunt genereren door maatschappelijk verantwoord handelen en de relatie tussen mensen en organisaties weer centraal te stellen. Ondernemende mensen, die worden ondersteund door microfinanciering, blijken vaker voor nieuwe (meng)vormen van ondernemen te kiezen, waarbij het sociale of maatschappelijk belang ook een belangrijke rol speelt ( New Entrepreneurship). Nederland en andere Europese landen kunnen veel leren van de ontwikkelingen die door microfinanciering in ontwikkelingslanden zijn ingezet. Door terugkoppeling (Reversed Transfer of Knowledge South – North) kan deze kennis bijdragen aan de totstandkoming van meer klantgerichte financiële diensten voor ondernemende mensen, ongeacht hun nationaliteit of sociaal-economische status.
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In this article we look at the various paths taken by transnational and domestic entrepreneurs based on their education and work experience. These act as catalysts for skills that allow migrant entrepreneurs to better position themselves in different markets. Differences in migrant entrepreneurs allow us to better understand the strategies employed and the consequences for society and the economy at both domestic and transnational levels. Earlier research has extensively analysed individual characteristics of migrant entrepreneurs and, to a much lesser extent, the geographical nature of their business activities.This article addresses this gap by looking at the geographical orientation of migrant entrepreneurs’ businesses. The research question is as follows: In what ways are transnational or domestic activities of Moroccan migrant entrepreneurs in the Netherlands and Italy influenced by skills acquired in earlier experiences? We provide empirical evidence on the different paths leading to domestic and transnational activities using a micro-level perspective of the experiences collected in the narratives of first-generation Moroccan migrant entrepreneurs who have migrated to Milan or Amsterdam (N=70).Four different paths combining these two life experiences emerged from the interviews: #1 Job-based, #2 Education-driven, #3 Job-education merger, and #4 By chance (neither education nor work experience). The most relevant paths for migrant entrepreneurs seem to be the first (#1) and third (#3) paths. Furthermore, our findings show that transnationally oriented entrepreneurs have an extended business-oriented education and rely on skills learned, in contrast to domestically oriented entrepreneurs who become entrepreneurs ‘by chance’.
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Money alone is not enough. Also, not for young refugees and migrants aspiring to become self-employed. They might be the necessary to survive, the idea to explore an opportunity or the aspirations towards growth and expansion like any other entrepreneur. Likewise, there are various forms in which they will become self-employed: it might be solo or hybrid self-employed, a micro or small enterprise, and even a medium sized one. Ans in all cases (external) financing will be needed to start and develop the new ventures but knowledge as well how to use it. The aim to the Young Migrant Entrepreneurs Capacity Building project (in brief YMCB in this guide) is to develop an innovative approach to support young migrants’ entrepreneurship through a combination of education, training, and mentoring. The overall connotation is that access to finance deals with the possibility that individuals or enterprises have to access financial services, including credit, deposit, payment, or insurances provided by third parties – formal and informal. Poor access to finance limits individuals, households, and entrepreneurs to function. Access to finance is expected to benefit society at large by accelerating economic growth and helping to raise income for those in the lower end of the income distribution pyramid in reducing income inequality and poverty. But that is only one face of the same coin. Over the past years it has become evident that effective access to finance is determined by: - How well-prepared the prospective migrant/refugee entrepreneurs are to get started - The level of preparation of trainers and coaches working with migrant or refugee entrepreneurs and how well they understand the context their clients live and operate - The level of understanding of staff for FI’s and the degree to which appraisal procedures do not automatically exclude this group as potential clients
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Op het evenement Meedoen Geld(t)?, in 2016 georganiseerd door het lectoraat Financial Inclusion and New Entrepreneurship (FINE) van De Haagse Hogeschool, is een boekje uitgedeeld met een algemeen overzicht van een aantal (nieuwe) vormen van financiering voor het midden- en kleinbedrijf en zelfstandigen in Nederland. De deelnemers stelden het op prijs om een breder overzicht te krijgen van de diverse – bestaande en opkomende – vormen van formele en informele maar ook alternatieve en nieuwe vormen van financiering voor het MKB, of voor de zelfstandige zonder of met personeel (ZZP/ ZMP) , en nietgeregistreerde ondernemende mensen. Studenten hebben regelmatig laten blijken dat zij zich willen oriënteren op de nieuwe, alternatieve vormen van financiering en de implicaties daarvan op bedrijven. Dit overzicht geeft hen maar ook docenten én (startende) ondernemers informatie over het bestaan, de mogelijkheden en werkwijze van verschillende bestaande en opkomende financieringsinstrumenten en spelers in de markt. Deze handleiding stelt de student in staat zich een beeld te vormen van de diverse financieringsmogelijkheden voor het MKB of voor de ZZP’er of ZMP’er. Kennis nemen van de verschillende vormen is de eerste stap naar het ontwikkelen van een systeem waarin de MKB’er of ZZP’er/ ZMP’er de juiste mix van financiering kan verkrijgen. Als de student later misschien zelf aan de slag wil gaan in een onderneming, heeft hij of zij baat bij een bredere kijk op financieringsmogelijkheden. En als de student komt te werken bij financiële dienstverleners of adviesbureaus is het belangrijk dat hij of zij goed in staat is om samenwerking met anderen te zoeken. Op die manier kunnen ondernemers de juiste mix van financiële diensten ontvangen. Het boek is mede gebaseerd op ons onderzoek in 2017 naar de ontwikkelingen bij de bestaande banken in Nederland, geleid door Richard van der Linde. Ook is dankbaar gebruikgemaakt van de uitkomsten van deelonderzoeken die zijn uitgevoerd door studenten aan de HHs over de geschiedenis van banken in Nederland (Fabian van Hagen) en hun dienstverlening (Zulikha Hesam).
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