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MICROCREDIT REGIONAL PROGRAMME - Abruzzo

Purpose

This notice is intended to promote the creation or development of micro-activities (sole proprietorships, self-employed and professionals).

Regional Microcredit Fund
Abruzzo Region established a Regional Fund for Microcredit, which favors the lending activities of banks or other financial intermediaries to non-bankable, ie without credit history and ability to provide capital guarantees for interventions related to the start up business or self-employment or their consolidation.


Resources available
The Regional Fund for Microcredit has a budget of € 965,000.00.

Managing Body
FIRASpA - Via Parini, 21 - 65122 Pescara

Subjects applicants
All residents in the Abruzzo region of at least one year, with no other real property, except for the first home and related works, and that they are:

- unemployed workers, immediately available to carry out and looking for work;
- unemployed, looking for a job, without having previously held a work;
- self-employed, self employed and / or active micro-enterprises with turnover less than € 15,000 in 2009.
The new micro-enterprises or new employment activities will be constituted by the date of disbursement of the loan.

Operation Fund
The Abruzzo Region with its Regional Fund for Microcredit provides 50% of each requested funding, aimed to sustain the costs of establishment or consolidation of activities. The funding can not be greater than € 10,000.00, with a repayment plan of up to 5 years (60 monthly installments of which 6 of grace). The Annual Percentage Rate (APR) of the individual funding may not exceed the percentage rate Average (TEGM) on personal loans as published by the Ministry of Economy and Finance (Law 108/1996).

Mode participation
This notice is to COVER, applications may be submitted from May 28, 2010 and will be accepted while the castle of the guarantee referred to Regional Microcredit Fund. The application form should be submitted together with:
- in one of the original members Banks Framework Agreement between the Region and ABI;
- a copy to the Managing Body - FIRA SpA, Via Parini, 21-65122 - Pescara - by registered letter with acknowledgment of receipt and with the words: REQUEST FOR NOTICE "Regional Program of microcredit


APPLICATION FORM MICROCREDIT


from the Site:

Development Abruzzo SpA - www.abruzzosviluppo.it

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SGSL - Occupational Safety Management System

safety in the workplace has become the subject of specific laws and regulations in all industrialized countries (in Italy there is the Legislative Decree no. 81/2008, which replaced 626/1994).

for a businessman the creation of a safety management system is the best way to fulfill the legislative requirements also gaining improvements in management.

In particular, the standard reference now universally adopted for the generality of the plant is OHSAS 18001 (Occupational Health & Safety Assessment Series).

Adopt OHSAS 18001 by the possibility a tangible recognition to companies that set up an Management System Health and Safety of Workers.

INAIL provides for a remission of variable size from 5 to 10% for INAIL contributions paid in the previous year, which added to the bonus_malus linked to fewer accidents, can rise up to 32 to 40%.

.10 Furthermore, Article L.123 of 08.03.2007 gives employers a tax credit to a maximum of 50% of the costs incurred for employee participation in programs and training in the field of security work.

The application must be submitted no later than January 31 of each year on a special form (MOD OT24).

It 'important to note the renewability of the relief each year and it is expected that access is indeed for those who have "implemented a safety management certificate, both for those who have" maintained ".

As for the aspects the liability of legal persons and companies, Article 30 of Decree No. 81/2008 states that if a company has built an organizational model, and section 5 specifically mentions the SGSL OHSAS 18001.2007, suitable and effective implementation, the latter exempt the Company from administrative responsibilities provided in the Decree No. 231/2001; are clearly applicable to any criminal penalties.

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PIT ABRUZZO - Integrated Territorial Project - download application

BURA

On Special 18 of 14/04/2010, with no determination 23/03/2010 DI/21 the scheme has been the adoption of contemporary notices PIT (Territorial Integrated Programme) - Activities GB 2.1 "Support Program for SME investment projects of technological innovation, process and organization of services ".

Beneficiaries

SMEs, including cooperatives, consortia and companies within the primary activity codes ATECO 2007, as listed in annex to their calls and have already registered and active in the business register

date of publication of notices.

Eligible expenses

are eligible expenses incurred after the publication of the notice on the BURA up to 12 months from the date of grant assistance. Are only permitted expenses incurred solely for the purpose of the project of innovation, with the exception of used goods:

- purchase of machinery, equipment, facilities, hardware and software only for a maximum of 20% of eligible expenses;

- consulting engineering firms of product, process and technical and economic feasibility, for a maximum of 20% of eligible expenses;

- acquisition of patent rights, licenses, know-how, for a maximum of 20% of eligible expenditure;

- technical expertise to a maximum of 3% of the total eligible cost of the project.

The facility consists of a capital grant on eligible expenditure, under "de minimis". Are not permitted projects with costs less than € 20,000.00. The assistance required in terms of percentages can not exceed 50% of eligible project costs.

The application, prepared according to the form attached to their calls, and download sites of the four provinces of Abruzzo ( http://www.provincia.pescara.it/ - http://www.provincia.chieti.it / - http://www.provincia.teramo.it/ - http://www.provincia.laquila.it/ ) must be sent on the 60th day following the date of publication of this notice on the BURA, then not later than 12 noon on June 14, 2010, to the competent offices of the four provinces. Text taken from the site Abruzzo Development

download application for the Province of Chieti
download application for the Province of PESCARA
download application for the Province of Teramo
download application for the Province of L'AQUILA

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illegitimate DIRECTORY WITHOUT record of service

A recent ruling by the Tax Commission has ruled the region Lombardia if the folder that payment has been received by the taxpayer by mail without the same being notified by the bailiff, is illegitimate.

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INTRA REAL ESTATE SERVICES

Under the new rules laid down by art. 7-c Lett. a) of Presidential Decree 633/1972 VAT on services related to the property is attributable to the state where the same stresses.
Therefore, if the client and the provider is established in Italy but the property is to fuyori of state borders, the provision shall be deemed abroad.

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if the role is' LESS THAN 8,000 HOURS OF WORK EURO

When amounts less than € 8,000 on the rolls will no longer be possible to include ipopteca legal. For registration
past, the taxpayer must take action to request the cancellation by submitting a special request at the counters of Equitalia.

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The Ministry of Labour, in response to a question asked by the ANC about the mode of computation of time used by employees to travel to a collection point, clarifies that:

- if the company requires employees to go to a specific collection point where, taking tools or means required to perform the work prorpio => working hours starts from the moment in which the employee logs on to the "collection point (where one can find the means corporate reach sites),

- if the company does not require employees to travel to a specific collection point but it is up to them => orarrio the work commencing from when the employee arrives at the yard.

CHALLENGES 13/2010

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ENTER Payroll by the consultant.

The Ministry of Labor in response to a question, clarified that it is possible for employers to have his counsel that processes payroll, sending the same e-mail address of the employee of the firm assisted.
Ministry likewise point out that the responsibility for the failure to receive the prospectus charged by your employee, remains in the hands of the employer.



CHALLENGES 8 / 2010