The topic of my project concerns the issue in economic sphere, the mechanisms, the actors involved in its creation and diffusion, the methods and criteria that allow the establishment and development of the trust relationship between economic operators. The topi will be dealt with the context of relations between ethical finance (financial sector that for the granting of credits and the allocation of resources makes use, in addition and to a prevalent extent with respect to the classical economic-financial criteria, of moral and ethical evaluations) and social enterprises of the Third Sector (social reality that does not identify itself with the market or with the State and whose members are private subjects that pursue civic and social purposes without profit), scope in which the role of trust has an absolute centrality. The idea of developing this topic is due to the growing importance that these sectors have acquired in the national economy and the theoretical and, in a broader sense, political importance that the theme of ethical finance tends to play. "Banca Etica" created in Italy a significant and expanding activity fabric (in 2017 net income of 2.3 million) involving organizations operating in four specific sectors: international and social cooperation, culture, environment. The third sector is also a rapidly growing sector: it is estimated to grow by more than 11% in the period 2011-2015 and a number of volunteers and employees of over 6 million (Source: Censimento permanente Istituzioni non profit, cited in "Vita", 21.12.2017). The first part of the work will include references to theoretical reflections on the new ethical dimension of the economy and on the centrality of the issue of trust in economic and financial relations, and a documentary section concerning the role of ethical finance in Italy, its relations with third sector and the presence and diversification of the two sectors with specific attention to the South. The second part, of empirical survey, will examine case studies of the provinces of Syracuse and Catania selected for the homogeneity of the business profile (intervention sector, size and turnover). The cases identified concern the social cooperatives Prospettiva (CT), Passwork (SR) and Arcolaio (SR), which operate in the sector of socio-educational and welfare services having among their privileged references minors in difficulty and social inclusion of disadvantaged people. Prospettiva is a type A cooperative, which deals with the management of socio-health, training and lifelong learning services; Arcolaio is a type B cooperative, aimed at the employment of disadvantaged people; Instead, Passwork is a mixed cooperative that deals with both socio-educational services and the inclusion and integration of disadvantaged people. Their contribution to economic development and social cohesion of the territory is outlined by the widely consolidated relationships with institutions such as Municipalities, regional structures, ASP and others. These realities will be studied through an empirical research that includes two main phases: first, general data collection on the profile of the company and its links with Banca Etica and public bodies; second, with qualitative interviews to be carried out through a questionnaire addressed to qualified witnesses of both Banca Etica and the identified companies, aimed at investigating the sociological origin of the bond established between Banca Etica and the financed entities, noting in particular the role so-called "trust diffusers", individuals and institutions that already have trust and certify the trustworthiness of other individuals for issuing the loan.
Il focus del mio progetto di tesi è il tema della fiducia in ambito economico, dei meccanismi e degli agenti della sua creazione e diffusione, delle modalità e dei criteri che consentono l'instaurazione e lo sviluppo del rapporto fiduciario tra gli operatori economici. Il tema sarà trattato assumendo a contesto di riferimento il rapporto tra finanza etica (settore finanziario che per la concessione di crediti e l'allocazione delle risorse si avvale, in aggiunta e in misura prevalente rispetto ai classici criteri di ordine economico-finanziario, di valutazioni di tipo morale ed etico) e imprese sociali del terzo settore (realtà sociale che non si identifica nè con il mercato nè con lo Stato e i cui componenti sono soggetti di natura privata che perseguono senza scopo di lucro finalità civiche e di natura sociale), ambito in cui il tema della fiducia riveste un ruolo di assoluta centralità. L'idea di sviluppare questo argomento nasce per la crescente importanza che questi settori hanno assunto nell'economia nazionale e per il rilievo anche teorico e, in senso lato, politico, che il tema della finanza etica tende a rivestire. Banca Etica ha creato in Italia un tessuto di attività significativo e in espansione (nel 2017 utile netto di bilancio 2,3 milioni) che coinvolge organizzazioni operanti in quattro settori specifici: cooperazione sociale, cooperazione internazionale, cultura e tutela ambientale. Anche il terzo settore costituisce un settore in forte crescita: se ne stima una crescita di oltre l'11% nel periodo 2011-2015 e un numero di addetti volontari e dipendenti di oltre 6 milioni (Fonte: Censimento permanente istituzioni non profit, citato in Vita, 21.12.2017). La prima parte del lavoro comprenderà riferimenti alle riflessioni di natura teorica sulla nuova dimensione etica dell'economia e sulla centralità del tema della fiducia nelle relazioni economiche e finanziarie, e una sezione documentale riguardante il ruolo della finanza etica in Italia, i suoi rapporti con il terzo settore e la presenza e diversificazione territoriale dei due settori con specifica attenzione al Mezzogiorno. La seconda parte, di rilevazione empirica, esaminerà casi studio delle province di Siracusa e Catania selezionati per l'omogeneità del profilo d'impresa (settore di intervento, dimensioni e fatturato). I casi individuati riguardano le cooperative sociali Prospettiva (CT), Passwork (SR) e l'Arcolaio (SR), che operano nel settore dei servizi socio-educativi e assistenziali avendo tra i loro riferimenti privilegiati i minori in difficoltà e l'inclusione sociale di soggetti svantaggiati. Prospettiva è una cooperativa di tipo A, ovvero si occupa della gestione di servizi socio-sanitari, formativi e di educazione permanente; Arcolaio è una cooperativa di tipo B, volta all'inserimento lavorativo di persone svantaggiate; Passwork è invece una cooperativa mista che si occupa sia di servizi socio-educativi che di inclusione e integrazione di soggetti svantaggiati. Il loro contributo allo sviluppo economico e alla coesione sociale del territorio è testimoniato dai rapporti ampiamente consolidati con istituzioni quali Comuni, strutture regionali, ASP ed altri. Tali realtà verranno studiate attraverso una ricerca empirica che prevede due fasi principali: una prima, di raccolta dati generale sul profilo dell'impresa e i suoi legami con Banca Etica e gli enti pubblici; una seconda con interviste qualitative da realizzare attraverso un questionario rivolto a testimoni qualificati tanto di Banca Etica quanto delle imprese individuate, volto ad indagare l'origine sociologica del legame che si viene ad istituire tra Banca Etica e le realtà finanziate, rimarcando in particolare il ruolo dei cosiddetti "diffusori di fiducia", individui e istituzioni che godono già di fiducia e certificano l'affidabilità di altri individui per l'emissione del prestito.
Le relazioni di fiducia tra finanza etica e imprese sociali: tre studi di caso nella Sicilia orientale
BRUNO, ALESSANDRO
2017/2018
Abstract
The topic of my project concerns the issue in economic sphere, the mechanisms, the actors involved in its creation and diffusion, the methods and criteria that allow the establishment and development of the trust relationship between economic operators. The topi will be dealt with the context of relations between ethical finance (financial sector that for the granting of credits and the allocation of resources makes use, in addition and to a prevalent extent with respect to the classical economic-financial criteria, of moral and ethical evaluations) and social enterprises of the Third Sector (social reality that does not identify itself with the market or with the State and whose members are private subjects that pursue civic and social purposes without profit), scope in which the role of trust has an absolute centrality. The idea of developing this topic is due to the growing importance that these sectors have acquired in the national economy and the theoretical and, in a broader sense, political importance that the theme of ethical finance tends to play. "Banca Etica" created in Italy a significant and expanding activity fabric (in 2017 net income of 2.3 million) involving organizations operating in four specific sectors: international and social cooperation, culture, environment. The third sector is also a rapidly growing sector: it is estimated to grow by more than 11% in the period 2011-2015 and a number of volunteers and employees of over 6 million (Source: Censimento permanente Istituzioni non profit, cited in "Vita", 21.12.2017). The first part of the work will include references to theoretical reflections on the new ethical dimension of the economy and on the centrality of the issue of trust in economic and financial relations, and a documentary section concerning the role of ethical finance in Italy, its relations with third sector and the presence and diversification of the two sectors with specific attention to the South. The second part, of empirical survey, will examine case studies of the provinces of Syracuse and Catania selected for the homogeneity of the business profile (intervention sector, size and turnover). The cases identified concern the social cooperatives Prospettiva (CT), Passwork (SR) and Arcolaio (SR), which operate in the sector of socio-educational and welfare services having among their privileged references minors in difficulty and social inclusion of disadvantaged people. Prospettiva is a type A cooperative, which deals with the management of socio-health, training and lifelong learning services; Arcolaio is a type B cooperative, aimed at the employment of disadvantaged people; Instead, Passwork is a mixed cooperative that deals with both socio-educational services and the inclusion and integration of disadvantaged people. Their contribution to economic development and social cohesion of the territory is outlined by the widely consolidated relationships with institutions such as Municipalities, regional structures, ASP and others. These realities will be studied through an empirical research that includes two main phases: first, general data collection on the profile of the company and its links with Banca Etica and public bodies; second, with qualitative interviews to be carried out through a questionnaire addressed to qualified witnesses of both Banca Etica and the identified companies, aimed at investigating the sociological origin of the bond established between Banca Etica and the financed entities, noting in particular the role so-called "trust diffusers", individuals and institutions that already have trust and certify the trustworthiness of other individuals for issuing the loan.È consentito all'utente scaricare e condividere i documenti disponibili a testo pieno in UNITESI UNIPV nel rispetto della licenza Creative Commons del tipo CC BY NC ND.
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https://hdl.handle.net/20.500.14239/6902