# Tunisia microfinance credit expansion

> Live situation record from CLSTR: https://clstr.news/situations/tunisia-microfinance-credit-expansion
> Updated: 2026-07-27T10:56:07.000Z. Sources: 2. Developments: 2.

In early July 2026, Tunisian micro‑finance institution Enda Tamweel closed a 160 million TND syndicated loan, bringing total bank credit in the sector to about 123 billion TND. A few weeks later, on 23 July 2026 the government issued Decree No. 2026‑148 to establish interest‑free, guarantee‑free “honour” credit lines for individuals, micro‑project promoters, SMEs and community companies. The scheme 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 period and up to six months of grace. Each bank must allocate 8 % of its 2025 net profit – roughly 120 million dinars – to a dedicated account to fund the lines. The policy aims to address financing gaps for sectors lacking collateral, building on the recent influx of capital to micro‑finance lenders.

## Timeline

### 2026-07-27: Tunisia launches interest‑free micro‑finance credit lines for SMEs and individuals

Tunisia's 2026 decree creates interest‑free, guarantee‑free micro‑finance credit lines for individuals, micro‑projects and SMEs, funded by banks allocating 8 % of 2025 profits.

2 sources. https://clstr.news/cluster/tunisia-launches-interestfree-microfinance-credit-lines-for-smes-and-individuals

### 2026-07-08: Tunisia's microfinance lender Enda Tamweel secures 160 million TND syndicated loan as total bank credit reaches 123 bn T

Enda Tamweel secured a 160 million TND syndicated loan led by Amen Bank, while Tunisia’s total bank credit rose to 123 billion TND in 2025, driven by professional lending.

2 sources. https://clstr.news/cluster/tunisias-microfinance-lender-enda-tamweel-secures-160-million-tnd-syndicated-loan-as-total-bank-cred

---
Cite as: Tunisia microfinance credit expansion. CLSTR, https://clstr.news/situations/tunisia-microfinance-credit-expansion