[en] Three years after the financial crisis had started in August 2007, the fact is that the situation goes on being the same in general terms. For that reason, the so-called microfinanciation could clarify, at least to a certain extent, all the doubts concerning management financiation. The real aim of this project is to make evident the fact that microfinanciation is on the one hand essential for any kind of firm, but on the other hand, it is even more necessary for all those entities dealing with social economy if we take into account the difficulties of access to the traditional way of asking for a credit due to the special peculiarities that its structure of capital shows. Having at our disposal the adequate financial instruments for the companies within the scope of social economy is an essential condition for the economic growth that enables us to overcome the crisis and at the same time it can grant the fulfilment of the social politics that the previously mentioned entities are supposed to have been created for. Bearing in mind all the aspects that have already been taken into consideration, it would be logical to accept the development of financial instruments such as the "European instrument of microfinanciation Progress", that has been approved by the European Parliament and that is specifically intended to be used by microcompanies within the ambit of social economy and by disfavoured groups. The starting point of these microcredits needs an organized structure that allows us to process a considerable number of requests and that structure can be provided by credit co-operatives. It seems to be a generalized opinion the fact that the origin of the microcredit is situated in the creation of the Grameen Bank but there are antecedents not only in Spain but in other European countries as well, that place this financial instrument _the microcredit_ in the origin of the birth of credit co-operatives. For that reason, the past experience can really be applicable to the present moment.

[es] El panorama, tres años después del inicio de la crisis financiera internacional en agosto de 2007, no es muy distinto del inicial, por lo que la denominada microfinanciación puede dar algo de luz en el sombrío entramado de la financiación empresarial. El objetivo de este trabajo es poner de manifiesto que, si bien la microfinanciación es esencial para cualquier empresa, lo es más para las entidades de economía social dadas las dificultades de acceso al crédito tradicional por las peculiaridades que presenta su estructura de capital. Contar con instrumentos financieros adecuados para las empresas del sector de la economía social es condición esencial para el crecimiento económico que nos haga sortear la crisis y que asegure el cumplimiento de la política social a que están llamadas a cumplir las citadas entidades. Por ello cabe acoger favorablemente el desarrollo de instrumentos financieros como el "instrumento europeo de microfinanciación Progress", aprobado por el Parlamento europeo y destinado específicamente a microempresas del sector de la economía social y a grupos desfavorecidos. La puesta en marcha de estos microcréditos precisa una estructura organizativa que permita procesar de manera normalizada un elevado número de solicitudes, y esa estructura puede ser prestada por las cooperativas de crédito. Resulta generalizada la idea de que el origen del microcrédito se sitúa en la creación del Grameen Bank, pero existen antecedentes, tanto en España como en otros países europeos, que sitúan al instrumento financiero del microcrédito en el origen del nacimiento de las cooperativas de crédito, por lo que la experiencia pasada puede ser aplicada al momento actual.