{"id":13375,"date":"2022-11-25T15:34:54","date_gmt":"2022-11-25T19:34:54","guid":{"rendered":"https:\/\/immigrantquebec.com\/fr\/?p=13375"},"modified":"2022-11-25T15:35:21","modified_gmt":"2022-11-25T19:35:21","slug":"le-microcredit-investir-dans-son-avenir","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/le-microcredit-investir-dans-son-avenir\/","title":{"rendered":"Le microcr\u00e9dit : investir dans son avenir"},"content":{"rendered":"

Des barri\u00e8res financi\u00e8res et linguistiques peuvent se dresser entre un projet migratoire et des objectifs professionnels. Le parcours de Mme\u00a0Fernandez prouve que bien entour\u00e9, il est possible d\u2019y arriver. <\/em><\/p>\n

\u00ab\u2009C\u2019\u00e9tait presque par accident\u2009\u00bb, raconte Mme\u00a0Fernandez, que son conjoint et elle se retrouvent dans un avion pour Montr\u00e9al, en 2016, avec en main un aller simple vers le pays qui va devenir le leur.<\/p>\n

Il y a plusieurs ann\u00e9es, alors que le couple r\u00e9side encore dans leur Venezuela natal, aux prises avec une crise \u00e9conomique et politique majeure, Mme\u00a0Fernandez envisage d\u2019\u00e9migrer au Qu\u00e9bec. \u00ab\u2009Mais ce n\u2019\u00e9tait pas possible pour nous \u00e0 ce moment-l\u00e0, pour des raisons financi\u00e8res\u2009\u00bb, se souvient-elle, mais aussi parce qu\u2019elle estimait que les conditions d\u2019apprentissage du fran\u00e7ais \u00e9taient difficiles \u00e0 conjugueur avec un emploi \u00e0 temps plein.<\/p>\n

D\u00e9tenant la double nationalit\u00e9 v\u00e9n\u00e9zu\u00e9lienne et espagnole, Mme\u00a0Fernandez choisit plut\u00f4t de se tourner vers l\u2019Europe. Le couple s\u2019installe alors en Irlande, o\u00f9 il restera un an et demi.<\/p>\n

C\u2019est l\u00e0, de mani\u00e8re plut\u00f4t inattendue, qu\u2019une opportunit\u00e9 se pr\u00e9sente pour partir au Qu\u00e9bec. \u00ab\u2009Et on l\u2019a saisie\u2009!\u2009\u00bb, s\u2019exclame Mme\u00a0Fernandez.<\/p>\n

Des obstacles \u00e0 surmonter<\/h2>\n

Si le r\u00eave peut enfin devenir r\u00e9alit\u00e9, il se heurte malgr\u00e9 tout aux d\u00e9fis et aux impr\u00e9vus qui accompagnent g\u00e9n\u00e9ralement un projet migratoire, y compris le mieux pr\u00e9par\u00e9.<\/p>\n

Dipl\u00f4m\u00e9e en psychologie du Venezuela, et avec pr\u00e8s de huit ann\u00e9es d\u2019exp\u00e9rience professionnelle, Mme\u00a0Fernandez est confront\u00e9e aux exigences de l\u2019Ordre des psychologues pour pouvoir continuer \u00e0 travailler dans son domaine au Qu\u00e9bec.<\/p>\n

Au Qu\u00e9bec, plusieurs m\u00e9tiers et professions sont r\u00e9glement\u00e9s<\/a>. Apr\u00e8s son d\u00e9part du Venezuela, elle avait pu continuer \u00e0 exercer comme psychologue dans un cabinet priv\u00e9 en Irlande. Mais au Qu\u00e9bec, Mme\u00a0Fernandez doit obtenir des \u00e9quivalences afin de reprendre son activit\u00e9 professionnelle, qu\u2019elle souhaite poursuivre \u00e0 tout prix.<\/p>\n

Pour obtenir le permis n\u00e9cessaire, l\u2019Ordre lui demande de reprendre trois cours \u00e0 l\u2019universit\u00e9, dont l\u2019un qui concerne les pratiques \u00e9thiques et d\u00e9ontologiques qu\u00e9b\u00e9coises, auxquels s\u2019ajoutent quelque 800\u00a0heures d\u2019internat.\u00a0<\/span><\/p>\n

En parall\u00e8le, Mme\u00a0Fernandez doit apprendre le fran\u00e7ais et pr\u00e9parer l\u2019examen prescrit par l\u2019Office qu\u00e9b\u00e9cois de la langue fran\u00e7aise.<\/p>\n

Avec son mari, qui poursuit de son c\u00f4t\u00e9 des \u00e9tudes doctorales, \u00ab\u2009c\u2019\u00e9tait beaucoup de pression \u00e9conomique\u2009\u00bb, reconna\u00eet Mme\u00a0Fernandez. \u00ab\u2009Ce n\u2019\u00e9tait pas possible pour moi de maintenir un travail \u00e0 temps plein en m\u00eame temps de suivre les cours \u00e0 l\u2019universit\u00e9 et l\u2019internat\u2009<\/strong>\u00bb, admet-elle.<\/p>\n

Un pr\u00eat \u00e0 taux bas<\/h2>\n

Une fois encore, le hasard fait bien les choses\u00a0: \u00e0 travers la banni\u00e8re courriel d\u2019un organisme de bienfaisance, Mme\u00a0Fernandez entend parler du Moulin Microcr\u00e9dits<\/a>, qui propose aux personnes immigrantes d\u2019obtenir des micropr\u00eats pour leur permettre de r\u00e9aliser leur projet professionnel au Canada.<\/p>\n

\u00ab\u2009Au d\u00e9but, j\u2019ai rempli des formulaires, j\u2019ai envoy\u00e9 les documents qu\u2019ils m\u2019ont demand\u00e9s, et ensuite j\u2019ai eu un rendez-vous avec une conseill\u00e8re \u2014 qui \u00e9tait vraiment gentil et qui m\u2019a aid\u00e9e \u00e0 comprendre un peu le processus\u2009<\/strong>\u00bb, d\u00e9taille Mme\u00a0Fernandez. En suivant seulement quelques \u00e9tapes, elle est redirig\u00e9e vers une banque partenaire, aupr\u00e8s de laquelle elle ouvre un compte et obtient une marge de cr\u00e9dit.<\/p>\n

Avec le support de sa conseill\u00e8re du Moulin Microcr\u00e9dits, la future membre de l\u2019Ordre des psychologues du Qu\u00e9bec a re\u00e7u un pr\u00eat d\u2019un an, le temps de compl\u00e9ter ses \u00e9quivalences.<\/p>\n

Selon elle, \u00ab\u2009l\u2019avantage \u00e9vident est que les taux d\u2019int\u00e9r\u00eat sont tr\u00e8s bas, compar\u00e9 aux autres possibilit\u00e9s de cr\u00e9dit qui existent sur le march\u00e9.<\/strong> Pour moi, l\u2019important c\u2019\u00e9tait aussi d\u2019avoir quelqu\u2019un qui pouvait me rediriger vers les ressources sp\u00e9cialis\u00e9es pour les gens qui suivent un parcours d\u2019\u00e9quivalences professionnelles\u2009<\/strong>\u00bb, poursuit-elle. Gr\u00e2ce au r\u00e9f\u00e9rencement du Moulin Microcr\u00e9dits, \u00ab\u2009j\u2019ai d\u00e9j\u00e0 des organisations identifi\u00e9es qui peuvent me fournir des informations, m\u2019aider \u00e0 mieux construire mon CV ou savoir comment me pr\u00e9senter [devant un futur employeur]\u2009\u00bb, se r\u00e9jouit-elle.<\/p>\n

Cinq ans apr\u00e8s son arriv\u00e9e au Qu\u00e9bec, Mme\u00a0Fernandez esp\u00e8re pouvoir pratiquer \u00e0 nouveau en tant que psychologue d\u2019ici un an. Si elle n\u2019est pas \u00e0 l\u2019abri de nouveaux impr\u00e9vus, elle sait maintenant o\u00f9 trouver le support pour atteindre son objectif professionnel.<\/p>\n

Et malgr\u00e9 les obstacles qu\u2019elle a eu \u00e0 surmonter, elle n\u2019envisage pas de quitter le Qu\u00e9bec, dont elle admire la culture et la diversit\u00e9.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Il est possible de surmonter les barri\u00e8res financi\u00e8res qui peuvent se dresser entre un projet migratoire et des objectifs professionnels.<\/p>\n","protected":false},"author":3481,"featured_media":13377,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-13375","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conseils-d-experts","8":"entry"},"acf":[],"yoast_head":"\nLe microcr\u00e9dit : investir dans son avenir - Immigrant Qu\u00e9bec<\/title>\n<meta name=\"description\" content=\"Il est possible de surmonter les barri\u00e8res financi\u00e8res qui peuvent se 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