{"id":373506,"date":"2025-10-23T11:49:42","date_gmt":"2025-10-23T10:49:42","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=373506"},"modified":"2025-10-23T11:49:42","modified_gmt":"2025-10-23T10:49:42","slug":"enquete-bei-ue-pres-dune-pme-sur-deux-en-tunisie-na-pas-acces-a-un-credit-bancaire","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/enquete-bei-ue-pres-dune-pme-sur-deux-en-tunisie-na-pas-acces-a-un-credit-bancaire\/","title":{"rendered":"Enqu\u00eate BEI \/ UE : Pr\u00e8s d\u2019une PME sur deux en Tunisie n\u2019a pas acc\u00e8s \u00e0 un cr\u00e9dit bancaire"},"content":{"rendered":"<p>Dans le cadre du\u00a0<strong>Trade and Competitiveness Programme<\/strong>\u00a0et afin de mieux cerner les enjeux li\u00e9s \u00e0 l\u2019acc\u00e8s au financement en Tunisie, la\u00a0<strong>Banque europ\u00e9enne d\u2019investissement (BEI)<\/strong>\u00a0d\u00e9voile le second volet de son enqu\u00eate\u00a0<strong>\u00ab\u00a0<\/strong><a href=\"https:\/\/click.agilitypr.delivery\/ls\/click?upn=u001.xOvMY6o45lEJH8Cj04k7f3gR-2FqgbwMBAoqFA081dXixzAZP8cAtbvPXEWaPrxvIxwaygGOf0-2BsH2KcvBRFRHNQ8Vk5C7oZsgjv8K7cnEAMU-3D3x3Q_DIX8V-2BRtXdkh72-2FFuNh81GoNJjGLZ-2F14XqGinjD6gtZFE2XIAbw8I8QxVDcmoEYxbXYcmAXDxYYvy5mSvalUtyzqQaSkxtuUxcW-2BDgzjJ1kexl1-2FhlCgJndRq25k3sq-2F-2BDicBlhP9DBzzbr-2BfXffKRwQXMV3Q-2BLL7fMjIxeJ-2Fp6j6vpanGEqUnNci3L47-2Fa4-2B0Mzhyal0dfsG3xNxYiDfEIRdRWANkK0i3yxltJvULu8ikzz8YedQiCbuBl9nBpQeYnWsIu-2Fh6MANgPOw67P-2FJFhbjYzcnY4U8eDxskQO-2FEbZNts8uDG2DNFKw-2FFOYO0yhlBMucbpfTS7zX5GzbYXidaNqnDLhB1P8iDoB7NawRF0GGknvAq5bNKWLwYC-2B-2F5G2QKuRHDP0XyAb4fXEBPafkLVZGIETrgjoiUSE8rTSw1Vj-2Bg4ttqDbWhRed-2BwdfiAhPlt4iV55Q2MT9osCXk6BTC6yxgcmWWEjWdfLuugTA-3D\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/click.agilitypr.delivery\/ls\/click?upn%3Du001.xOvMY6o45lEJH8Cj04k7f3gR-2FqgbwMBAoqFA081dXixzAZP8cAtbvPXEWaPrxvIxwaygGOf0-2BsH2KcvBRFRHNQ8Vk5C7oZsgjv8K7cnEAMU-3D3x3Q_DIX8V-2BRtXdkh72-2FFuNh81GoNJjGLZ-2F14XqGinjD6gtZFE2XIAbw8I8QxVDcmoEYxbXYcmAXDxYYvy5mSvalUtyzqQaSkxtuUxcW-2BDgzjJ1kexl1-2FhlCgJndRq25k3sq-2F-2BDicBlhP9DBzzbr-2BfXffKRwQXMV3Q-2BLL7fMjIxeJ-2Fp6j6vpanGEqUnNci3L47-2Fa4-2B0Mzhyal0dfsG3xNxYiDfEIRdRWANkK0i3yxltJvULu8ikzz8YedQiCbuBl9nBpQeYnWsIu-2Fh6MANgPOw67P-2FJFhbjYzcnY4U8eDxskQO-2FEbZNts8uDG2DNFKw-2FFOYO0yhlBMucbpfTS7zX5GzbYXidaNqnDLhB1P8iDoB7NawRF0GGknvAq5bNKWLwYC-2B-2F5G2QKuRHDP0XyAb4fXEBPafkLVZGIETrgjoiUSE8rTSw1Vj-2Bg4ttqDbWhRed-2BwdfiAhPlt4iV55Q2MT9osCXk6BTC6yxgcmWWEjWdfLuugTA-3D&amp;source=gmail&amp;ust=1761302439901000&amp;usg=AOvVaw2wlLDEsICg4mVnrFXRhYO0\"><strong>Enqu\u00eate BEI \/ UE : Les d\u00e9fis des PME en Tunisie en 2025<\/strong><\/a><strong>\u00a0\u00bb<\/strong>. R\u00e9alis\u00e9e aupr\u00e8s de 150 dirigeants de PME tunisiennes issues des cha\u00eenes de valeur strat\u00e9giques telles que l\u2019industrie automobile, l\u2019agroalimentaire ou le textile, cette enqu\u00eate met en lumi\u00e8re une r\u00e9alit\u00e9 parlante :\u00a0<strong>plus d\u2019une PME sur deux ne parvient toujours pas \u00e0 acc\u00e9der \u00e0 un financement formel<\/strong>.<\/p>\n<p>Repr\u00e9sentant\u00a0<strong>95 % du tissu entrepreneurial national<\/strong>, les PME et TPE contribuent de mani\u00e8re significative \u00e0 cr\u00e9er de la valeur et des emplois lorsqu\u2019elles disposent des moyens n\u00e9cessaires.<\/p>\n<p><strong>Les PME jonglent entre financements formels et solutions alternatives<\/strong><br \/>\nBien que le financement constitue un levier essentiel pour la survie et la croissance des entreprises,\u00a0<strong>toutes les PME tunisiennes ne disposent pas des m\u00eames opportunit\u00e9s d\u2019acc\u00e8s au cr\u00e9dit<\/strong>. En Tunisie, une part importante des petites et moyennes entreprises continue de rencontrer des difficult\u00e9s pour obtenir un financement formel, freinant ainsi leur d\u00e9veloppement et leur comp\u00e9titivit\u00e9.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-373507\" src=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/10\/Infographic_PR2_2025_tunis-1_page-0001-1.jpg\" alt=\"\" width=\"1366\" height=\"672\" srcset=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/10\/Infographic_PR2_2025_tunis-1_page-0001-1.jpg 1366w, https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/10\/Infographic_PR2_2025_tunis-1_page-0001-1-300x148.jpg 300w, https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/10\/Infographic_PR2_2025_tunis-1_page-0001-1-1024x504.jpg 1024w, https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/10\/Infographic_PR2_2025_tunis-1_page-0001-1-768x378.jpg 768w\" sizes=\"(max-width: 1366px) 100vw, 1366px\" \/><\/p>\n<p>Tandis que\u00a0<strong>44 % des dirigeants d\u00e9clarent avoir obtenu un pr\u00eat aupr\u00e8s d\u2019une institution financi\u00e8re<\/strong>,\u00a0<strong>15 % se sont vu en refuser un\u00a0<\/strong>et\u00a0<strong>38 % ont encore recours \u00e0 des sources informelles<\/strong>\u00a0(proches, amis, r\u00e9seaux personnels) pour financer leur activit\u00e9.<\/p>\n<p>D\u2019autre part, seulement\u00a0<strong>3\u202f% des r\u00e9pondants d\u00e9clarent ne jamais avoir sollicit\u00e9 un financement formel ou informel<\/strong>, ce qui met en \u00e9vidence la n\u00e9cessit\u00e9 des PME tunisiennes \u00e0 obtenir un soutien financier externe pour soutenir leur activit\u00e9 et leur croissance.<\/p>\n<p><strong>Harmoniser les contraintes bancaires locales avec les besoins des PME<\/strong><br \/>\nLes PME se retrouvent souvent face \u00e0 des conditions de pr\u00eat qu\u2019elles estiment dissuasives.\u00a0<strong>Les taux d\u2019int\u00e9r\u00eat peu avantageux (82 %)<\/strong>,\u00a0<strong>les garanties exig\u00e9es trop importantes (52 %)<\/strong>\u00a0et\u00a0<strong>la complexit\u00e9 des proc\u00e9dures (53 %)<\/strong>\u00a0figurent parmi les principaux freins identifi\u00e9s. Des obstacles immat\u00e9riels, comme\u00a0<strong>le manque d\u2019accompagnement (30\u202f%)\u00a0<\/strong>et\u00a0<strong>l\u2019insuffisance d\u2019information sur les options de financement disponibles (28\u202f%)<\/strong>, viennent \u00e9galement limiter l\u2019acc\u00e8s \u00e0 ces dispositifs.<\/p>\n<p>La BEI collabore \u00e9troitement avec les banques tunisiennes afin de\u00a0<strong>rendre le syst\u00e8me financier plus favorable<\/strong>\u00a0aux PME. \u00c0 travers le TCP, la BEI propose aux institutions financi\u00e8res locales des m\u00e9canismes de garantie partag\u00e9e visant \u00e0\u00a0<strong>r\u00e9duire leur exposition au risque<\/strong> lorsqu\u2019elles financent les projets d\u2019investissement port\u00e9s par les PME issues des cha\u00eenes de valeur strat\u00e9giques.<\/p>\n<p><strong>Un obstacle direct \u00e0 l\u2019ambition exportatrice<\/strong><\/p>\n<p>Au-del\u00e0 de l\u2019activit\u00e9 locale, ce manque d\u2019acc\u00e8s au financement agit \u00e9galement comme un\u00a0<strong>frein \u00e0 l\u2019internationalisation<\/strong>. D\u2019apr\u00e8s l\u2019enqu\u00eate,\u00a0<strong>35 % des PME tunisiennes affirment que la difficult\u00e9 \u00e0 obtenir un cr\u00e9dit limite directement leur capacit\u00e9 \u00e0 exporter<\/strong>. De plus,\u00a0<strong>45 % de celles qui r\u00e9ussissent \u00e0 exporter le font \u00e0 une \u00e9chelle restreinte<\/strong>, faute de moyens pour s\u2019adapter aux normes internationales, d\u00e9velopper leur r\u00e9seau logistique ou investir dans la prospection commerciale.<\/p>\n<p>\u00ab\u00a0<i>M\u00eame avec des perspectives solides \u00e0 l\u2019international, acc\u00e9der au cr\u00e9dit reste un v\u00e9ritable d\u00e9fi en Tunisie. Les solutions financi\u00e8res propos\u00e9es sont rarement en phase avec la r\u00e9alit\u00e9 des PME locales. On nous demande des garanties que nous ne sommes pas en mesure de fournir et les taux appliqu\u00e9s rendent souvent le financement peu accessible.<\/i>\u00a0\u00bb, t\u00e9moigne un dirigeant de PME tunisienne.<\/p>\n<p>Pour r\u00e9pondre \u00e0 ces blocages structurels, le\u00a0<strong>Trade and Competitiveness Programme<\/strong>\u00a0offre un accompagnement technique et financier sur-mesure visant \u00e0 lib\u00e9rer le potentiel d\u2019investissement des PME et renforcer leur comp\u00e9titivit\u00e9 sur les march\u00e9s internationaux. En Tunisie,\u00a0<strong>la BEI collabore avec l\u2019UBCI et la BH Bank\u00a0<\/strong>afin d\u2019accompagner les PME des cha\u00eenes de valeur exportatrices dans leur processus d\u2019internationalisation.<\/p>\n<p><strong>M\u00e9thodologie\u00a0<\/strong>:\u00a0L\u2019enqu\u00eate\u00a0<wbr \/>Banque europ\u00e9enne d\u2019investissement \/ Union europ\u00e9enne :<br \/>\nLes d\u00e9fis des PME en Tunisie en 2025, commandit\u00e9e par la Banque europ\u00e9enne d\u2019investissement (BEI) et r\u00e9alis\u00e9e par l\u2019institut de sondage Potloc, a \u00e9t\u00e9 conduite en mai 2025 aupr\u00e8s de 150 propri\u00e9taires et\/ou dirigeants de PME tunisiennes, repr\u00e9sentatifs \u00e0 l\u2019\u00e9chelle nationale. Les entreprises interrog\u00e9es appartiennent majoritairement au tissu productif des principales cha\u00eenes de valeur exportatrices cibl\u00e9es par le Programme\u00a0<i>Trade and Competitiveness<\/i>\u00a0de la BEI, cofinanc\u00e9 par l\u2019Union europ\u00e9enne. Ces cha\u00eenes de valeur concernent les secteurs de l\u2019agroalimentaire, de l\u2019automobile et du textile.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans le cadre du\u00a0Trade and Competitiveness Programme\u00a0et afin de mieux cerner les enjeux li\u00e9s \u00e0 l\u2019acc\u00e8s au financement en Tunisie, la\u00a0Banque europ\u00e9enne d\u2019investissement (BEI)\u00a0d\u00e9voile le second volet de son enqu\u00eate\u00a0\u00ab\u00a0Enqu\u00eate&hellip;<\/p>\n","protected":false},"author":145,"featured_media":289204,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,4,6],"tags":[],"class_list":["post-373506","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-actualites","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Enqu\u00eate BEI \/ UE : Pr\u00e8s d\u2019une PME sur deux en Tunisie n\u2019a pas acc\u00e8s \u00e0 un cr\u00e9dit bancaire - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Dans le cadre du\u00a0Trade and Competitiveness Programme\u00a0et afin de mieux cerner les enjeux li\u00e9s \u00e0 l\u2019acc\u00e8s au financement en Tunisie, la\u00a0Banque europ\u00e9enne\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realites.com.tn\/fr\/enquete-bei-ue-pres-dune-pme-sur-deux-en-tunisie-na-pas-acces-a-un-credit-bancaire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Enqu\u00eate BEI \/ UE : Pr\u00e8s d\u2019une PME sur deux en Tunisie n\u2019a pas acc\u00e8s \u00e0 un cr\u00e9dit bancaire - R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"og:description\" content=\"Dans le cadre du\u00a0Trade and Competitiveness Programme\u00a0et afin de mieux cerner les enjeux li\u00e9s \u00e0 l\u2019acc\u00e8s au financement en Tunisie, la\u00a0Banque europ\u00e9enne\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realites.com.tn\/fr\/enquete-bei-ue-pres-dune-pme-sur-deux-en-tunisie-na-pas-acces-a-un-credit-bancaire\/\" \/>\n<meta property=\"og:site_name\" content=\"R\u00e9alit\u00e9s Magazine\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/realites.tn\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-23T10:49:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2023\/07\/bei.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"813\" \/>\n\t<meta property=\"og:image:height\" content=\"558\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"M. 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