{"id":70851,"date":"2026-10-22T23:48:53","date_gmt":"2026-10-22T22:48:53","guid":{"rendered":"https:\/\/plumeseconomiques.com\/fr\/?p=70851"},"modified":"2026-10-22T23:48:53","modified_gmt":"2026-10-22T22:48:53","slug":"microfinance-800-000-tunisiens-dependent-desormais-du-microcredit","status":"publish","type":"post","link":"https:\/\/plumeseconomiques.com\/fr\/magazine\/sous-le-zoom\/microfinance-800-000-tunisiens-dependent-desormais-du-microcredit\/","title":{"rendered":"Microfinance : 800 000 Tunisiens d\u00e9pendent d\u00e9sormais du microcr\u00e9dit"},"content":{"rendered":"

Microfinance : 800 000 Tunisiens d\u00e9pendent d\u00e9sormais du microcr\u00e9dit<\/span><\/strong><\/p>\n

Le microcr\u00e9dit est devenu un pilier du financement des populations exclues du syst\u00e8me bancaire traditionnel en Tunisie. Avec plus de 800 000 b\u00e9n\u00e9ficiaires et un encours de plus de 2,5 milliards de dinars, le secteur affiche une croissance soutenue, mais suscite des inqui\u00e9tudes croissantes quant au surendettement des emprunteurs<\/span>.<\/span><\/span><\/em><\/p>\n

Un secteur en pleine expansion<\/span><\/strong><\/p>\n

En 2025, plus de <\/span>804 000 Tunisiens<\/span><\/strong> ont b\u00e9n\u00e9fici\u00e9 de pr\u00eats d’un montant total de <\/span>2,596 milliards de dinars<\/span><\/strong>, avec un pr\u00eat moyen d’environ <\/span>4 974 dinars<\/span><\/strong>. Le montant du microfinancement moyen s’est accru de <\/span>8 %<\/span><\/strong>, passant de <\/span>4 454 TND<\/span><\/strong> \u00e0 <\/span>4 821 TND<\/span><\/strong> entre fin 2024 et fin 2025<\/span>.<\/span><\/span><\/p>\n

Les montants accord\u00e9s varient selon les profils : jusqu’\u00e0 <\/span>10 000 dinars<\/span><\/strong> pour le tissu associatif et jusqu’\u00e0 <\/span>40 000 dinars<\/span><\/strong> pour les entreprises<\/span>.<\/span><\/span><\/p>\n

Un portefeuille \u00e0 risque sous surveillance<\/span><\/strong><\/p>\n

L’Autorit\u00e9 de Contr\u00f4le de la Microfinance (ACM) suit de pr\u00e8s l’\u00e9volution du secteur. Selon ses donn\u00e9es, les d\u00e9caissements r\u00e9alis\u00e9s par les institutions de microfinance (IMF) au mois de juillet 2026 ont atteint <\/span>225,2 millions de dinars<\/span><\/strong> sur <\/span>40 843 cr\u00e9dits<\/span><\/strong>. Le portefeuille \u00e0 risque des IMF s’\u00e9tablit \u00e0 <\/span>5,15 %<\/span><\/strong>.<\/span><\/span><\/p>\n

Les autorit\u00e9s insistent sur la n\u00e9cessit\u00e9 de prot\u00e9ger les emprunteurs et d’\u00e9viter l’accumulation incontr\u00f4l\u00e9e de dettes<\/span>. Le microcr\u00e9dit, s’il constitue un outil d’inclusion financi\u00e8re pr\u00e9cieux, peut en effet se transformer en pi\u00e8ge pour les m\u00e9nages les plus fragiles, avec des taux d’int\u00e9r\u00eat \u00e9lev\u00e9s et des risques de surendettement<\/span>.<\/span><\/span><\/p>\n

Lire aussi :<\/span><\/strong><\/span><\/p>\n

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Les 7 Institutions de Microfinance<\/b> confirment leur volont\u00e9 de …<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le microcr\u00e9dit est devenu un pilier du financement des populations exclues du syst\u00e8me bancaire traditionnel en Tunisie.<\/p>\n","protected":false},"author":1,"featured_media":70857,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Microfinance : 800 000 Tunisiens d\u00e9pendent d\u00e9sormais du microcr\u00e9dit","_seopress_titles_desc":"Le microcr\u00e9dit est devenu un pilier du financement des populations exclues du syst\u00e8me bancaire traditionnel en Tunisie.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"microfinance Tunisie 2026,microcr\u00e9dit Tunisie,b\u00e9n\u00e9ficiaires microcr\u00e9dit,Autorit\u00e9 de Contr\u00f4le de la Microfinance,portefeuille \u00e0 risque IMF,endettement m\u00e9nages Tunisie,pr\u00eat moyen Tunisie,d\u00e9caissements microfinance,surendettement Tunisie,Microfinance","footnotes":""},"categories":[74],"tags":[],"class_list":["post-70851","post","type-post","status-publish","format-standard","has-post-thumbnail","category-sous-le-zoom"],"_links":{"self":[{"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/posts\/70851","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/comments?post=70851"}],"version-history":[{"count":2,"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/posts\/70851\/revisions"}],"predecessor-version":[{"id":70858,"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/posts\/70851\/revisions\/70858"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/media\/70857"}],"wp:attachment":[{"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/media?parent=70851"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/categories?post=70851"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/plumeseconomiques.com\/fr\/wp-json\/wp\/v2\/tags?post=70851"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}