Founders in portrait:

Founders in portrait:

With advice, support and provision for your own boss

The number of women starting a business is growing. However, setting up “you” in the male-dominated scene is often not easy. That is why the Gründerinnenzentrale in Berlin has set itself the task of promoting women-specific support and answering key questions from founders.

Women often have a different career path than men: in many cases, they have to manage a family alongside their self-employment and therefore start their own business relatively often part-time. Not only then does old-age provision play a decisive role. Because many women start rather small-style and usually have too little money to take care of their retirement. For her retirement, this can have devastating consequences. Antje Ripking, project manager of the Gründerinnenzentrale, reports in an interview on what founders are working on, what questions they have, what concerns they may have about founding and how to motivate women to start up.

Women-specific support: Personal advice is important

Of course, the life and work histories of company founders are very different. But there are some worries, fears and problems that women have to deal with most of all. “As before, it is unfortunately mostly the women who have to reconcile family and work. This has economic implications for their entire life. As a result, they often opt for part-time self-employment with less financial input, spend less on old-age provision, which in turn affects retirement, and so on, “explains Ripking. This structural disadvantage requires founders to provide specific advice that takes their individual living realities into account. This involves both the evaluation of business ideas as well as the right financing, insurance and pension provision.

The demand for advice in the founders’ office is very high: “Demand has been increasing steadily since our founding in 2006. We now have about 1,700 inquiries per year and more than 600 women participate in our (networking) events, “says Ripking.

Founders: Small loans are hard to come by

The Gründerzentrale is committed to allowing women to participate in social prosperity as much as men. To achieve this goal, it tries to compensate for unequal treatment in economic development. The Gründerinnenzentrale refers interested parties, for example, to the nationwide women’s finance organization Goldrausch eV The association also awards small grants in the form of micro-loans for business start-ups. How important that is, figures show: “Around 80 percent of women start with a capital requirement of up to 5,000 euros. However, even such sums are still hard to come by because they are not worthwhile for the banks, “explains Ripking.

Gründerinnenzentrale: “We work with many women professionals”

Women in some ways need different advice than men. This is not due to different abilities, but rather to often different life situations. The Gründerinnenzentrale serves as a first point of contact for start-up interested parties. There women can get in touch with like-minded people and exchange experiences and problems. Amongst other things, start-up experts help to think through and concretize start-up ideas. In addition, if necessary, the Gründerzentrale also provides further women-friendly and recommendable institutions and counseling facilities. “We work with start-up consultants, (web) designers, coaches, mediators, insurance and finance professionals and lawyers,” said Ripking.

Old-age poverty among women: Is precautionary duty a solution?

The start time during start-up usually costs a lot of money. “Since the costs of health and social insurance are enormously high, many founders often neglect retirement provision first,” says the expert from practice. Nevertheless, she has a zwiegespaltene opinion on a pension. Because “as the social security systems look for the self-employed at the moment, I consider a precautionary obligation for many founders difficult to implement. You can hardly bear the costs for the other insurance companies now. In my opinion, a general change in this system may be desirable, similar to the situation with the KünstlersKolzialkasse (KSK). “Those insured with the KSK only pay about half of their contributions out of their own pockets. The remaining part is financed, inter alia, by a federal subsidy. Self-employed women would pay according to this model in about as much social security and health insurance contributions as employees



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Pensions: “At least 10 percent of the income is advisable”

The pension is a constant and unpopular companion of self-employed. Nevertheless, the costs for the future pension should not stand in the way of any start-up idea. Of course, how well founders are cared for in retirement depends on many factors: time, investment and business success play a central role. There is therefore no patent remedy. But a good pension strategy should not be missing. For financing and insurance issues, the Gründerinnenzentrale recommends independent advice from finanzkontor .

The insurance specialist Birgit Wichert explains in a brief interview that occupational disability insurance in the first phase of its foundation is one of the most useful forms of provision for emergencies. “For old-age provision, there is usually no money left at the beginning.” She goes on to explain: “As soon as the business is up and running, founders, for example, can make good provision for old age with Rürup Pension and benefit from the tax advantages. In general, I would advise self-employed women to cover the same amount of money as the employee share of the statutory pension insurance, ie about ten percent of their income. Of course, as soon as a certain level of income is reached, it will not be necessary to invest 10 per cent more in old-age provision but can be invested elsewhere. “

Home Help Center Installment Loan Interest Rates and Terms Question

Home Help Center Installment Loan Interest Rates and Terms Question

For most installment loans, the interest rate is credit-dependent. Depending on the creditworthiness, each borrower receives an individual interest.

The credit-independent interest rate, on the other hand, is a standard interest rate. All borrowers receive the same interest rate. Nevertheless, the creditworthiness of the applicant is not important. After all, even banks with a credit rating-independent interest grant banks only if the borrower has sufficient creditworthiness. The bar is often higher for credit-independent loans.

For while banks can offset a higher credit default risk by a higher interest rate on credit-based lending rates, such a risk-off is not possible for credit-independent loans.

With an appropriate filter setting in the credit calculator on, interested parties can search specifically for fixed rate offers.

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The economic fabric is still not ready

Persistent rain is once again raised the level of the Seine. But the bulk of the economy is still not ready for such an event. By Vincent Balouet, consultant specializing in managing large business risks.

The current rainfall event is intense and causes a rise in the Seine and Marne, heading to the heart of the country’s main economic hub. If a major flood on the Ile-de-France impacts very directly the people, the real challenge, by far, the maintenance of activity in the area. The current episode should not lead to a disaster for this time, but it should be remembered that the plan prepared by the government (protection of underground and sensitive installations) is essentially stalled on a hill “in 1910 “that is to say, corresponding to a risk centennial (with 1 in 100 chance to occur each year). But the more unusual events are increasing, even for some ever seen. Around Paris, Prague has seen a flood “500 tonnes” in 2002, London rainy episode 450 tennis, New York and an 850 terminal at the Sandy storm. In France, we bet on chance and, worse, companies are notoriously under-informed.


Recall the risk in a few words: at first, important consequences on the population (about one million people affected) and already colossal problems to solve, especially in the health sector. Then a direct impact on economic activity (initiation specific business continuity plans in all flood-affected businesses) and financial implications particularly in the property market and especially business and the default risk borrowers for the financial sector. Finally unencrypted impacts to date in terms of potential de-land following a sustainable departure of part of the Parisian employment to regional cities less exposed. Duration of the crisis: from 3 months to 2 years.

Do not bury the subject

What remaining pragmatic? President Macron has made an excellent decision in appointing a “Mr. Reconstruction” to help the St. Martin and St. Barts island after the disaster, Irma. A pilot in the cockpit to adjust quickly and well the problems. This same solution was implemented during the preparation for the introduction and the transition to the Euro, or when bug in 2000. And it worked well.

To protect the economic fabric of Paris, there is nothing, not even a type of site, co-facilitated by public authorities and by a person familiar with the economy and authoritative on business risks. Not difficult, inexpensive and effective, such a device would, for example, require operators of vital importance to communicate effectively with companies saying that their march and no longer walk and forecasts return to normal. .. The business owner can then arbitrate its risk. Today, these same business owners have no idea of the consequences of the economic fabric of a flood as exceptional as those occurring in neighboring countries.