{"id":304672,"date":"2023-11-02T10:58:57","date_gmt":"2023-11-02T09:58:57","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=304672"},"modified":"2023-11-02T10:58:57","modified_gmt":"2023-11-02T09:58:57","slug":"le-ftdes-sonne-le-tocsin-les-pme-tunisiennes-etouffees-par-le-manque-de-financement","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/le-ftdes-sonne-le-tocsin-les-pme-tunisiennes-etouffees-par-le-manque-de-financement\/","title":{"rendered":"Le FTDES sonne le tocsin: Les PME tunisiennes \u00e9touff\u00e9es par le manque de financement"},"content":{"rendered":"<p>Dans une \u00e9tude r\u00e9cente consacr\u00e9e aux \u00ab\u00a0Probl\u00e8mes de financement de l&rsquo;\u00e9conomie,\u00a0\u00bb le Forum tunisien des droits \u00e9conomiques et sociaux (FTDES) souligne l&rsquo;imp\u00e9ratif absolu du secteur bancaire tunisien \u00e0 jouer un r\u00f4le central dans le financement des investissements et des projets. La critique du faible soutien apport\u00e9 aux Petites et Moyennes Entreprises (PME) r\u00e9sonne fortement : malgr\u00e9 leur repr\u00e9sentativit\u00e9 \u00e0 hauteur de 90% dans l&rsquo;\u00e9conomie nationale, elles ne drainent que 12% des financements disponibles. Le constat est sans appel : le syst\u00e8me bancaire doit amorcer une m\u00e9tamorphose radicale afin de dynamiser l&rsquo;\u00e9conomie, soutenir les particuliers, et propulser les PME vers un avenir plus prometteur.<br \/>\n<strong>Les causes profondes des probl\u00e8mes de financement<br \/>\n<\/strong>La pr\u00e9sentation de cette \u00e9tude \u00e0 Tunis, lors d&rsquo;une journ\u00e9e d&rsquo;\u00e9tude, a \u00e9t\u00e9 l&rsquo;occasion pour Abdeljelil Bedoui, responsable de l&rsquo;\u00e9tude FTDES, de tirer la sonnette d&rsquo;alarme sur la fragilit\u00e9 du financement de l&rsquo;\u00e9conomie tunisienne, dans un contexte de crise financi\u00e8re publique complexe. Au c\u0153ur de ce dilemme, les effets historiques et structurels, h\u00e9ritage du colonialisme, se font sentir. L&rsquo;h\u00e9morragie des richesses vers des contr\u00e9es \u00e9trang\u00e8res a gravement entam\u00e9 le taux d&rsquo;\u00e9pargne, le laissant ch\u00e9tif. Le mod\u00e8le de d\u00e9veloppement en vigueur depuis l&rsquo;ind\u00e9pendance, particuli\u00e8rement depuis les ann\u00e9es 1960, se r\u00e9v\u00e8le impuissant \u00e0 accro\u00eetre la richesse productive. La faute \u00e0 de multiples voies clandestines de transfert de capitaux et \u00e0 la contrebande d&rsquo;argent orchestr\u00e9e par des entit\u00e9s non-r\u00e9sidentes, habilit\u00e9es \u00e0 extraire leurs profits et honorer leur dette.<br \/>\n<strong>Les recommandations de l&rsquo;\u00e9tude<br \/>\n<\/strong>L&rsquo;\u00e9tude a mobilis\u00e9 cinq \u00e9conomistes de renom : Abdejalil Bedoui, Zied Saadaoui, Mongi Mokadem, Mohamed Sami Nebiet et Nourel Houda Jelassi. Divis\u00e9e en plusieurs parties, elle aborde l&rsquo;histoire des probl\u00e8mes de financement et leurs liens avec le mod\u00e8le de d\u00e9veloppement, la contribution du secteur bancaire \u00e0 l&rsquo;\u00e9conomie nationale, l&rsquo;apport des financements \u00e9trangers \u00e0 la Tunisie, la n\u00e9cessit\u00e9 de promouvoir l&rsquo;\u00e9pargne nationale, et l&rsquo;importance cruciale de l&rsquo;\u00e9conomie sociale dans le paysage \u00e9conomique.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans une \u00e9tude r\u00e9cente consacr\u00e9e aux \u00ab\u00a0Probl\u00e8mes de financement de l&rsquo;\u00e9conomie,\u00a0\u00bb le Forum tunisien des droits \u00e9conomiques et sociaux (FTDES) souligne l&rsquo;imp\u00e9ratif absolu du secteur bancaire tunisien \u00e0 jouer un&hellip;<\/p>\n","protected":false},"author":81,"featured_media":304675,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,6,1464],"tags":[],"class_list":["post-304672","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie","category-entreprises"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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