Impact assessment of per Merito and mamma@work products 2024
16 July 2025
Intesa Sanpaolo has published the report on the 2024 results of the social impact assessment of the "per Merito" loans, dedicated to supporting university students, and "mamma@work", designed for new working mothers.
Both financing products are supported by the Fund for Impact, an Intesa Sanpaolo tool to promote credit inclusion initiatives with a high social impact, with an availability of €300 million, which allows leveraged credit to be disbursed up to €1.5 billion.
The assessment of the social impact of "per Merito" and "mamma@work" is carried out through a process developed by the Impact Department of the Banca dei Territori Division of Intesa Sanpaolo called "RIM – Impact Survey" which uses specific questionnaires to detect the effects generated by the Bank's credit on beneficiaries and on society.
per Merito
With over 21 thousand students benefiting between 2019 and the end of 2024 and a total of over €384 million funded, "per Merito" will produce positive social impacts estimated at 20 years in approx. €315 million, of which €42 million of tax and social security impacts. Thanks to the funding received, a quarter of the students funded (about 5,200) did not have to give up attending the course of study or did not have to change it.
mamma@work
Between July 2020 and the end of 2024, more than 400 new working mothers obtained the loan for a total of about 8.7 million, with a long-term socio-economic impact estimated at about €19 million. It is also estimated that about 156 mothers have avoided losing their jobs or switching to part-time contracts.
Last updated 18 July 2025 at 11:00:09
