{"id":394971,"date":"2026-09-02T23:58:13","date_gmt":"2026-09-02T22:58:13","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=394971"},"modified":"2026-09-02T23:58:13","modified_gmt":"2026-09-02T22:58:13","slug":"mise-en-oeuvre-des-credits-sur-lhonneur-a-partir-du-mois-doctobre","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/mise-en-oeuvre-des-credits-sur-lhonneur-a-partir-du-mois-doctobre\/","title":{"rendered":"Mise en \u0153uvre des cr\u00e9dits sur l&rsquo;honneur \u00e0 partir du mois d&rsquo;octobre"},"content":{"rendered":"<p class=\"ds-markdown-paragraph\"><span class=\"\">Les \u00e9tablissements bancaires tunisiens entameront, au cours du mois d&rsquo;octobre prochain, la r\u00e9ception des demandes de pr\u00eats et de financements sur l&rsquo;honneur. Cette information a \u00e9t\u00e9 communiqu\u00e9e par une source responsable au sein du secteur bancaire. Cette \u00e9ch\u00e9ance interviendra une fois que les banques auront achev\u00e9 la mise en place des plateformes \u00e9lectroniques destin\u00e9es \u00e0 recueillir ces requ\u00eates, en coordination avec la Banque Centrale de Tunisie.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">L&rsquo;autorit\u00e9 mon\u00e9taire exercera une fonction de contr\u00f4le tout au long de cette proc\u00e9dure, afin de garantir le respect des dispositions \u00e9nonc\u00e9es dans la circulaire et dans le d\u00e9cret num\u00e9ro 148 du 23 juillet 2026. \u00c0 cet effet, chaque banque sera tenue de transmettre \u00e0 la BCT un \u00e9tat mensuel r\u00e9capitulatif des cr\u00e9dits accord\u00e9s sur les ressources du compte du ligne de financement sur l&rsquo;honneur, des montants effectivement pr\u00e9lev\u00e9s et de ceux qui restent \u00e0 utiliser, ainsi qu&rsquo;un inventaire exhaustif de l&rsquo;ensemble des op\u00e9rations enregistr\u00e9es. Par ailleurs, les pr\u00eats consentis au titre des lignes de microfinancement sur l&rsquo;honneur, telles que d\u00e9finies par le premier article du d\u00e9cret pr\u00e9cit\u00e9, sont octroy\u00e9s \u00e0 court terme. Leur remboursement s&rsquo;effectue sur une p\u00e9riode maximale de deux ans, sans application d&rsquo;int\u00e9r\u00eats, avec la possibilit\u00e9 d&rsquo;accorder un diff\u00e9r\u00e9 de paiement ne pouvant exc\u00e9der six mois. En sus, la banque ne peut exiger la fourniture de garanties ou de cautions, quelle qu&rsquo;en soit la nature.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">Le d\u00e9cret num\u00e9ro 148 a par ailleurs fix\u00e9 le montant plafond pour chaque pr\u00eat ou financement accord\u00e9. Ce plafond s&rsquo;\u00e9l\u00e8ve \u00e0 25 000 dinars pour une petite ou moyenne entreprise ou une soci\u00e9t\u00e9 civile, \u00e0 10 000 dinars pour le porteur d&rsquo;un petit projet, et \u00e0 5 000 dinars pour un particulier souhaitant financer des besoins de consommation. D&rsquo;autre part, chaque banque est tenue d&rsquo;affecter une proportion minimale de 50 % des lignes de cr\u00e9dit sur l&rsquo;honneur aux petites et moyennes entreprises ainsi qu&rsquo;aux soci\u00e9t\u00e9s civiles, \u00e0 l&rsquo;exception de celles dont les statuts constitutifs d\u00e9finissent un champ d&rsquo;intervention diff\u00e9rent. Qui plus est, l&rsquo;attribution des financements devra respecter deux principes fondamentaux : la priorit\u00e9 sera donn\u00e9e en fonction de l&rsquo;ordre de d\u00e9p\u00f4t des demandes, et le principe d&rsquo;\u00e9galit\u00e9 de traitement entre les candidats devra \u00eatre scrupuleusement observ\u00e9.<br \/>\n<strong>MBY<\/strong><br \/>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les \u00e9tablissements bancaires tunisiens entameront, au cours du mois d&rsquo;octobre prochain, la r\u00e9ception des demandes de pr\u00eats et de financements sur l&rsquo;honneur. Cette information a \u00e9t\u00e9 communiqu\u00e9e par une source&hellip;<\/p>\n","protected":false},"author":60,"featured_media":317056,"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-394971","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>Mise en \u0153uvre des cr\u00e9dits sur l&#039;honneur \u00e0 partir du mois d&#039;octobre - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"Les \u00e9tablissements bancaires tunisiens entameront, au cours du mois d&#039;octobre prochain, la r\u00e9ception des demandes de pr\u00eats et de financements sur\" \/>\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\/mise-en-oeuvre-des-credits-sur-lhonneur-a-partir-du-mois-doctobre\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mise en \u0153uvre des cr\u00e9dits sur l&#039;honneur \u00e0 partir du mois d&#039;octobre - 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