[REVISION HISTORY]
Tunisia interest‑free honor loan program
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What changed
2026-08-04 19:35 UTC → 2026-08-07 12:43 UTC ·
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removed
In late July 2026 Tunisia issued decree 148 148, under law No 41 of 2024, to create a zero‑interest “honor loan” scheme aimed at for households, micro‑projects, SMEs and community companies. Banks Commercial banks must allocate at least 8 % of their 2025 net profits to fund the programme, which caps loans at 5,000 dinars for individuals, 10,000 dinars for micro‑projects and 25,000 dinars for SMEs, with a two‑year repayment term term, a six‑month grace period and a ten‑day ten‑working‑day decision window for applications. The total funding pool is estimated at about 120 million dinars. Within days, experts highlighted implementation challenges. They warned A model application form has begun circulating, but detailed eligibility criteria and required documentation have not yet been published. Banks are prohibited from demanding collateral. Experts warn that banks, forced to lend without risk‑based pricing, might may favour low‑risk dossiers, limiting that the scheme’s social impact. The decree’s application vague evaluation rules were described as vague, could limit impact, and that the allocated budget was deemed potentially may be insufficient for the large pool of applicants. Observers called potential borrowers. They call for strict central‑bank oversight to ensure the programme measure moves beyond a symbolic measure. gesture.
Versions
- 2026-08-07 12:43 UTC Tunisia interest‑free honor loan program
- 2026-08-04 19:35 UTC Tunisia interest‑free honor loan program
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