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Giustizia sociale regionale ed europea: il prestito di dignità

Il Dr. Ignazio Barbuscia, Presidente dell’Associazione Baccarato – Fondo per la Solidarietà e l’Antiusura Ets, nella Giornata dell’Europa, si sofferma sull’importanza del prestito di dignità, recentemente introdotto nella Regione Lazio, sottolineandone la matrice fondata sul pieno rispetto dei diritti fondamentali nell’Unione Europea

(Asbac, 9.05.2022) – Settantadue anni fa, il 9 maggio 1950, l’allora Ministro degli Esteri francese Robert Schuman, proponeva il piano per la Ceca-Comunità Europea del Carbone e dell’Acciaio, mentre le conseguenze della Seconda guerra mondiale persistevano ancora nelle economie dei sei Stati fondatori della Ceca (Francia, Germania occidentale, Italia, Paesi Bassi, Belgio e Lussemburgo), creata con il Trattato di Parigi del 1951. Ricordare le basi dell’Europa, intesa nell’attuale definizione di Unione Europea a 27, significa anche riflettere e rendere attivi, nei territori, gli strumenti socio-economici dell’architettura giuridica dell’Unione Europea. In tale direzione, si pone il prestito di dignità, entrato in vigore nella Regione Lazio, il primo gennaio 2022, tramite la legge di stabilità regionale, che, attraverso le disposizioni contenute nell’art. 10, ha apportato modifiche e integrazioni alla legge 14/2015 (Interventi regionali in favore dei soggetti interessati dal sovraindebitamento o vittime di usura e di estorsione). Allo stesso art. 5 della legge 14/2015 è stato aggiunto il comma 3 bis, che apre la porta alla concessione di prestiti destinati a soggetti definiti «non bancabili», cioè a coloro che non riescono ad accedere ai prestiti bancari, perché in sofferenza socio-economica. I prestiti di dignità sono erogabili da istituti di credito convenzionati, sulla base di garanzie concesse dalle Associazioni e Fondazioni di prevenzione dell’usura, riconosciute ai sensi della legge nazionale 108/1996 (art. 15, commi 4, 5, 6). Siamo di fronte a prestiti da restituire, senza interessi, che cercano di garantire la «sussistenza minima» e la «dignità soggettiva», ai sensi del terzo comma dell’art. 34 della Carta dei diritti fondamentali dell’Unione Europea. Tale richiamo consente di inquadrare il prestito di dignità nella lotta contro l’esclusione sociale e la povertà, come fondamentale riconoscimento e rispetto dell’UE all’assistenza sociale e abitativa a coloro che non dispongono di risorse sufficienti.

Normativa regionale

Regione Lazio, Legge n. 20 del 30.12.2021 – Legge di stabilità regionale 2022 (cfr. in particolare l’art. 10), in Bur-Bollettino Ufficiale della Regione Lazio del 31.12.2021 n. 124

https://www.regione.lazio.it/sites/default/files/2022-01/Legge-Regionale-20-30122021-Legge-di-stabilit%C3%A0-regionale-2022.pdf

Regione Lazio, Legge n. 14 del 3.11.2015 – Interventi regionali in favore dei soggetti interessati dal sovraindebitamento o dall’usura

https://www.consiglio.regione.lazio.it/consiglio-regionale/?vw=leggiregionalidettaglio&id=9277&sv=vigente

Fonti normative internazionali

Carta dei diritti fondamentali dell’UE (cfr. in particolare l’art. 34)

https://unipd-centrodirittiumani.it/it/strumenti_internazionali/Carta-dei-diritti-fondamentali-dellUnione-Europea-2000/85

Claudia Pividori, Quadro giuridico dell’Unione Europea (Università degli Studi di Padova-Centro di Ateneo per i Diritti umani “Antonio Papisca”)

https://unipd-centrodirittiumani.it/it/schede/Quadro-giuridico-dellUnione-Europea/269

Approfondimenti correlati

I profili dei 27 Paesi dell’UE (data ultima consultazione del sito ufficiale dell’UE: 9 maggio 2022)

https://european-union.europa.eu/principles-countries-history/country-profiles_it

Dichiarazione di Schuman maggio 1950

https://european-union.europa.eu/principles-countries-history/history-eu/1945-59/schuman-declaration-may-1950_it

La storia dell’UE

https://european-union.europa.eu/principles-countries-history/history-eu_it

     

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