{"id":394907,"date":"2026-09-01T19:28:08","date_gmt":"2026-09-01T18:28:08","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=394907"},"modified":"2026-09-01T19:28:08","modified_gmt":"2026-09-01T18:28:08","slug":"microcredit-sur-lhonneur-les-nouvelles-regles-fixees-par-la-bct","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/microcredit-sur-lhonneur-les-nouvelles-regles-fixees-par-la-bct\/","title":{"rendered":"Microcr\u00e9dit sur l&rsquo;honneur : les nouvelles r\u00e8gles fix\u00e9es par la BCT"},"content":{"rendered":"<p class=\"ds-markdown-paragraph\"><span class=\"\">La Banque centrale de Tunisie a publi\u00e9, le 1er septembre 2026, une circulaire \u00e0 destination des \u00e9tablissements bancaires. Ce texte fixe les conditions et les modalit\u00e9s de traitement des demandes de microcr\u00e9dits accord\u00e9s sur l&rsquo;honneur, en application du d\u00e9cret-loi n\u00b0 148 de 2026, dat\u00e9 du 23 juillet 2026. L&rsquo;objectif de cette circulaire est d&rsquo;uniformiser la proc\u00e9dure de r\u00e9ception des requ\u00eates des clients, afin de garantir l&rsquo;\u00e9galit\u00e9 de traitement entre eux et d&rsquo;assurer un classement des demandes selon leur ordre d&rsquo;arriv\u00e9e.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">\u00c0 cette fin, chaque banque est tenue de cr\u00e9er une plateforme num\u00e9rique exclusive, \u00e0 partir du 1er octobre 2026, pour le d\u00e9p\u00f4t obligatoire des demandes de pr\u00eat ou de financement sur l&rsquo;honneur. Chaque plateforme doit enregistrer la date et l&rsquo;heure pr\u00e9cises du d\u00e9p\u00f4t et d\u00e9livrer un accus\u00e9 de r\u00e9ception \u00e9crit au demandeur. Ce m\u00e9canisme permet d&rsquo;\u00e9tablir un ordre de priorit\u00e9 et de calculer les d\u00e9lais impartis pour l&rsquo;examen des dossiers.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">Par ailleurs, cette initiative s&rsquo;inscrit dans une d\u00e9marche de modernisation des services bancaires et de simplification des proc\u00e9dures. En sus, ces plateformes apporteront une plus grande transparence et une meilleure tra\u00e7abilit\u00e9 dans le traitement des demandes, tout en respectant les dispositions l\u00e9gales relatives \u00e0 la protection des donn\u00e9es personnelles et aux exigences de s\u00e9curit\u00e9 informatique. D&rsquo;autre part, avant la mise en service effective des plateformes, les banques, sous le contr\u00f4le de la Banque centrale, d\u00e9ploieront des campagnes d&rsquo;information. Ces actions visent \u00e0 pr\u00e9senter clairement les conditions, les modalit\u00e9s de d\u00e9p\u00f4t, les \u00e9tapes d&rsquo;\u00e9tude et les d\u00e9lais de d\u00e9cision, \u00e0 travers des capsules explicatives diffus\u00e9es prochainement.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Banque centrale de Tunisie a publi\u00e9, le 1er septembre 2026, une circulaire \u00e0 destination des \u00e9tablissements bancaires. Ce texte fixe les conditions et les modalit\u00e9s de traitement des demandes&hellip;<\/p>\n","protected":false},"author":81,"featured_media":347342,"comment_status":"open","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-394907","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>Microcr\u00e9dit sur l&#039;honneur : les nouvelles r\u00e8gles fix\u00e9es par la BCT - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"La Banque centrale de Tunisie a publi\u00e9, le 1er septembre 2026, une circulaire \u00e0 destination des \u00e9tablissements bancaires. 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Ce texte fixe les conditions et\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realites.com.tn\/fr\/microcredit-sur-lhonneur-les-nouvelles-regles-fixees-par-la-bct\/\" \/>\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=\"2026-09-01T18:28:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/02\/business-man-woman-sitting-equal-piles-coins-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mariem Ben Yahia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mariem Ben Yahia\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/realites.com.tn\/fr\/microcredit-sur-lhonneur-les-nouvelles-regles-fixees-par-la-bct\/\",\"url\":\"https:\/\/realites.com.tn\/fr\/microcredit-sur-lhonneur-les-nouvelles-regles-fixees-par-la-bct\/\",\"name\":\"Microcr\u00e9dit sur l'honneur : les nouvelles r\u00e8gles fix\u00e9es par la BCT - R\u00e9alit\u00e9s Magazine\",\"isPartOf\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/microcredit-sur-lhonneur-les-nouvelles-regles-fixees-par-la-bct\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/microcredit-sur-lhonneur-les-nouvelles-regles-fixees-par-la-bct\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/02\/business-man-woman-sitting-equal-piles-coins-scaled.jpg\",\"datePublished\":\"2026-09-01T18:28:08+00:00\",\"author\":{\"@id\":\"https:\/\/realites.com.tn\/fr\/#\/schema\/person\/742fc648fbdec4ba284018a5ce1fead1\"},\"description\":\"La Banque centrale de Tunisie a publi\u00e9, le 1er septembre 2026, une circulaire \u00e0 destination des \u00e9tablissements bancaires. 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