The consortium is multi-player: one partner per country (Italy, Greece, Portugal and Spain) to represent the Mediterranean area which according to EU SILC is in more need of prevention of indebtedness and have not yet developed significant strategies and tools. On the other hand, we also have NIBUD from the Netherlands as a partner that has already developed the methodologies and tools that will be implemented by the above partners and SEED Learn from Switzerland which brings specific expertise on new technologies and international cooperation.

The Consortium also involves different actors: cooperatives, associations and a public body, in order to represent key-actors in the field of non-formal education.
All members of the Consortium have a significant experiences and skills in project management and in working with target groups (vulnerable adults and migrants) in the field of basic education, access to credit, entrepreneurship.

• ANZIANI E NON SOLO SOCIETÀ COOPERATIVA – Italy
with consolidated experience in European projects, will act as project coordinator  and  will be in charge of activities taken place in Italy.
Contact person: Licia Boccaletti

• TRANSFORMANDO S.COOP.MAD – Spain
with more than ten years of experience in micro-entreprises and microfinances will be in charge of all project's activities which will take place in Spain and will also be responsible for the coordination of general dissemination and exploitation activities (WP3 and 5)
Contact person: Ana Gorostegui

• HRDC- HELLENIC REGIONAL DEVELOPMENT CENTER – Greece
promotes training, innovation and regional development, will be in charge of all project's activities which will take place in Greece will also be responsible for WP3.
Contact person: Guido Scagno

• ACIDI – Portugal
is the Portuguese high commission for migrants. They will support exploitation activities and will organise all project's activities in Portugal.
Contact person: Catarina Reis Oliveira

• NIBUD - HET NATIONAAL INSTITUUT VOOR BUDGETVOORLICHTING – Holland
an independent foundation that gives information about household finance, will coordinate WP2 and assure the transfer of their expertise to all other partners.
Contact person: Renate Van Mil

• SEED LEARN – Switzerland
Seed is a swiss no profit organisation working on communication, training and new technnologies. Seed is in charge of all project activities that will take place in Switzerland and will support mainstreaming and communication activities with the development of multimedia materials.   
Contact person: Luca Botturi.