{"id":366913,"date":"2025-08-19T20:11:51","date_gmt":"2025-08-19T19:11:51","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=366913"},"modified":"2025-08-19T20:11:51","modified_gmt":"2025-08-19T19:11:51","slug":"la-microfinance-comble-le-vide-laisse-par-les-banques-tunisiennes","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/la-microfinance-comble-le-vide-laisse-par-les-banques-tunisiennes\/","title":{"rendered":"La microfinance comble le vide laiss\u00e9 par les banques tunisiennes"},"content":{"rendered":"<p class=\"ds-markdown-paragraph\" style=\"line-height: 21.45pt; background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 10.3pt 0cm 10.3pt 0cm;\"><span style=\"font-family: 'Segoe UI',sans-serif; color: #404040;\">Le secteur de la microfinance en Tunisie conna\u00eet une expansion consid\u00e9rable alors que l&rsquo;acc\u00e8s aux pr\u00eats bancaires conventionnels se restreint. Plus de 804 800 Tunisiens ont d\u00e9sormais recours \u00e0 ces institutions financi\u00e8res alternatives, selon les donn\u00e9es r\u00e9centes. Cette tendance s&rsquo;est confirm\u00e9e au cours du premier trimestre 2025, p\u00e9riode durant laquelle 113 583 nouveaux pr\u00eats ont \u00e9t\u00e9 accord\u00e9s, d\u00e9montrant l&rsquo;importance croissante de ce segment dans le paysage financier national.<br \/>\n<\/span><span style=\"color: #404040; font-family: 'Segoe UI', sans-serif;\">L&rsquo;encours total du portefeuille de la microfinance a augment\u00e9 de 33,7 millions de dinars pour atteindre 2 596 millions de dinars. La valeur des pr\u00eats accord\u00e9s durant les trois premiers mois de l&rsquo;ann\u00e9e s&rsquo;est \u00e9lev\u00e9e \u00e0 564,9 millions de dinars, soit une augmentation significative compar\u00e9e aux 511,7 millions de dinars enregistr\u00e9s au m\u00eame trimestre de 2024. Le cr\u00e9dit moyen accord\u00e9 par ces institutions s&rsquo;\u00e9tablit d\u00e9sormais \u00e0 4 974 dinars, contre 4 646 dinars un an plus t\u00f4t, indiquant une progression constante des montants allou\u00e9s.<br \/>\n<\/span><span style=\"color: #404040; font-family: 'Segoe UI', sans-serif;\">Cette expansion comble partiellement le retrait des \u00e9tablissements bancaires traditionnels du march\u00e9 du cr\u00e9dit \u00e0 la consommation. Environ 110 000 personnes ont obtenu un pr\u00eat aupr\u00e8s des institutions de microfinance au premier trimestre 2025, dont 13,3% pour la premi\u00e8re fois. L&rsquo;attrait de ces formules de financement r\u00e9side dans leur accessibilit\u00e9 et la simplification des proc\u00e9dures administratives, malgr\u00e9 des taux d&rsquo;int\u00e9r\u00eat g\u00e9n\u00e9ralement plus \u00e9lev\u00e9s que ceux pratiqu\u00e9s par les banques.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le secteur de la microfinance en Tunisie conna\u00eet une expansion consid\u00e9rable alors que l&rsquo;acc\u00e8s aux pr\u00eats bancaires conventionnels se restreint. Plus de 804 800 Tunisiens ont d\u00e9sormais recours \u00e0 ces&hellip;<\/p>\n","protected":false},"author":81,"featured_media":300670,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-366913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La microfinance comble le vide laiss\u00e9 par les banques tunisiennes - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Le secteur de la microfinance en Tunisie conna\u00eet une expansion consid\u00e9rable alors que l&#039;acc\u00e8s aux pr\u00eats bancaires conventionnels se restreint. 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