Over-indebtedness and financial exclusion

Access to finance is a basic service that is essential for citizens to be economically and socially integrated in today's society and a prerequisite for employment, economic growth, poverty reduction and social inclusion. Over-indebtedness can be caused by, and contributes to, social exclusion of individuals and families, harming their participation in economic and social life. Thus the issue of over-indebtedness and financial exclusion became also the subject of various Peer Reviews.

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European Commission
DG Employment, Social Affaires and Equal Opportunities