INCLUVIA – Financial Empowerment for Inclusive Societies

Coordinated by IKF Malmö, INCLUVIA is a planning project for an upcoming Horizon Europe proposal under Cluster 2: Transformations – Towards a More Inclusive and Equitable Society.

The project focuses on the relationship between gender, household indebtedness, and labor market developments, and how these factors affect families' economic well-being. Special attention is given to vulnerable groups, including women with a migration background, persons with disabilities, workers in precarious sectors, and young people outside formal systems.

INCLUVIA combines macro-financial modelling, behavioural research, and social innovation laboratories to develop solutions that strengthen gender equality and economic well-being. Through Financial Empowerment Labs in multiple countries, participants test and develop innovative tools, including:

• Financial education
• Mentoring with a focus on emotional intelligence
• Digital inclusion

The project aims to create solutions that make a real difference for families’ economic security and societal participation.