PERMICRO S.P.A.
Our team is composed of professionals with deep experience in microfinance, non-bank lending, social finance, and small business development. We bring together diverse backgrounds — from credit risk management to community development — unified by a shared belief that fair financial access changes lives. Every member of the PERMICRO S.P.A. team is committed to the ethical principles that guide our institution. We are proud to serve our clients with integrity, expertise, and genuine care.
Marco has over 20 years of experience in financial inclusion and non-bank lending across Southern Europe. He founded PERMICRO S.P.A. with the vision of creating a regulated, client-centered microlender that could operate at scale without compromising on ethics. Under his leadership, the institution has grown steadily while maintaining a strong social mission.
Sonia oversees the loan assessment and disbursement processes, ensuring that every credit decision is both financially sound and socially responsible. She brings 15 years of experience in credit risk management from both banking and microfinance settings. Her team is known for combining rigorous analysis with a human approach to each application.
Luca leads PERMICRO S.P.A.'s partnerships with public institutions, development funds, and business support organizations. He has a background in small business advisory and has helped design several of our sector-specific loan programs. His work ensures that our products remain relevant to the evolving needs of micro and small enterprises.
Fatima manages PERMICRO S.P.A.'s outreach programs targeting underserved communities, including recent migrants and low-income households. She holds a master's degree in development economics and has worked extensively with NGOs and social finance organizations. Her programs have directly supported hundreds of first-time borrowers in accessing formal credit.
Giovanni is responsible for ensuring that all of PERMICRO S.P.A.'s activities comply with applicable lending regulations, consumer protection laws, and internal ethical standards. He has a legal background specializing in financial regulation and has served on advisory panels for non-bank lending policy. His work is central to maintaining the trust and credibility of the institution.
PERMICRO S.P.A. provides microloans, business financing, and consumer microcredit to individuals and small businesses seeking financial inclusion.