{"id":317414,"date":"2024-03-27T19:02:20","date_gmt":"2024-03-27T18:02:20","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=317414"},"modified":"2024-03-27T19:02:20","modified_gmt":"2024-03-27T18:02:20","slug":"endettement-des-menages-le-piege-qui-se-referme","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/endettement-des-menages-le-piege-qui-se-referme\/","title":{"rendered":"Endettement des m\u00e9nages : Le pi\u00e8ge qui se referme"},"content":{"rendered":"<p data-sourcepos=\"3:1-3:337\">L&rsquo;endettement des m\u00e9nages tunisiens s&rsquo;envole, atteignant des niveaux alarmants. En l&rsquo;espace de sept ans, l&rsquo;encours des cr\u00e9dits a plus que doubl\u00e9, passant de 26,29 milliards de dinars en 2015 \u00e0 55,3 milliards de dinars en 2022, selon un rapport accablant de l&rsquo;Institut National de la Statistique (INS).<br \/>\n<strong style=\"font-family: Raleway, sans-serif; letter-spacing: 0px;\">Comprendre l&rsquo;ascension fulgurante de la dette<br \/>\n<\/strong>Cette spirale infernale est aliment\u00e9e par plusieurs facteurs. D&rsquo;une part, les cr\u00e9dits \u00e0 la consommation, notamment ceux destin\u00e9s \u00e0 la r\u00e9novation ou l&rsquo;am\u00e9nagement des logements et aux d\u00e9penses courantes, explosent. D&rsquo;autre part, les pr\u00eats immobiliers \u00e0 long terme, pour l&rsquo;acquisition d&rsquo;un logement, contribuent \u00e9galement \u00e0 cette tendance. Le flux net des pr\u00eats, indicateur de l&rsquo;app\u00e9tit d&#8217;emprunt des m\u00e9nages, a suivi la m\u00eame trajectoire ascendante, passant de 1,75 milliard de dinars en 2015 \u00e0 4,06 milliards de dinars en 2022. Une seule ann\u00e9e a connu une l\u00e9g\u00e8re baisse, 2019, due \u00e0 une augmentation des taux d&rsquo;int\u00e9r\u00eat par la Banque Centrale de Tunisie (BCT).<br \/>\nLa situation est aggrav\u00e9e par la d\u00e9gradation du pouvoir d&rsquo;achat des m\u00e9nages, qui les rend plus vuln\u00e9rables \u00e0 l&rsquo;endettement. De plus, le resserrement des conditions mon\u00e9taires par la BCT, visant \u00e0 lutter contre l&rsquo;inflation, rend l&rsquo;acc\u00e8s au cr\u00e9dit plus difficile et fragilise davantage les familles endett\u00e9es.<br \/>\n<strong style=\"font-family: Raleway, sans-serif; letter-spacing: 0px;\">Un secteur des m\u00e9nages institutionnels en difficult\u00e9<br \/>\n<\/strong>Le secteur institutionnels ou agent \u00e9conomique repr\u00e9sent\u00e9 par les m\u00e9nages est particuli\u00e8rement touch\u00e9 \u00e9tant donn\u00e9 qu&rsquo;il regroupe les m\u00e9nages purs, les entrepreneurs individuels et les institutions sans but lucratif au service des m\u00e9nages. Son taux d&rsquo;endettement a connu une courbe chaotique, passant de 41,6% du Revenu National Brut Disponible (RNDB) en moyenne entre 2015 et 2019, \u00e0 52,4% en 2020, avant de redescendre \u00e0 49,5% en 2022.<br \/>\nCe profil erratique refl\u00e8te l&rsquo;instabilit\u00e9 de la situation et l&rsquo;urgence de trouver des solutions durables. L&rsquo;endettement croissant des m\u00e9nages repr\u00e9sente une menace pour la stabilit\u00e9 \u00e9conomique et sociale du pays. Il sied au demeurant de mettre en place des mesures pour endiguer cette spirale et prot\u00e9ger les familles les plus vuln\u00e9rables.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;endettement des m\u00e9nages tunisiens s&rsquo;envole, atteignant des niveaux alarmants. En l&rsquo;espace de sept ans, l&rsquo;encours des cr\u00e9dits a plus que doubl\u00e9, passant de 26,29 milliards de dinars en 2015 \u00e0&hellip;<\/p>\n","protected":false},"author":81,"featured_media":310103,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,6],"tags":[],"class_list":["post-317414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Endettement des m\u00e9nages : Le pi\u00e8ge qui se referme - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"L&#039;endettement des m\u00e9nages tunisiens s&#039;envole, atteignant des niveaux alarmants. 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