Financial Inclusion in Tunisia
This technical note provides a snapshot of financial inclusion trends and challenges in Tunisia. It follows the recent expiration of the Coordinated Vision for the Development of Microfinance in Tunisia 2011-2014, national strategy published in 2011. This document does not examine all aspects of financial sector development, but rather concentrates specifically on financial inclusion for low-income households and micro-enterprises.
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Banco Mundial |
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Estados Unidos |
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America del Norte |
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Biblioteca del Banco Mundial |
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English en_US |
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FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES |
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FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES World Bank Group Financial Inclusion in Tunisia |
description |
This technical note provides a snapshot of
financial inclusion trends and challenges in
Tunisia. It follows the recent expiration of the
Coordinated Vision for the Development of
Microfinance in Tunisia 2011-2014, national
strategy published in 2011. This document does not examine all aspects
of financial sector development, but rather
concentrates specifically on financial
inclusion for low-income households and
micro-enterprises. |
format |
Report |
topic_facet |
FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES |
author |
World Bank Group |
author_facet |
World Bank Group |
author_sort |
World Bank Group |
title |
Financial Inclusion in Tunisia |
title_short |
Financial Inclusion in Tunisia |
title_full |
Financial Inclusion in Tunisia |
title_fullStr |
Financial Inclusion in Tunisia |
title_full_unstemmed |
Financial Inclusion in Tunisia |
title_sort |
financial inclusion in tunisia |
publisher |
Washington, DC |
publishDate |
2015-06 |
url |
http://documents.worldbank.org/curated/en/2015/08/24865372/technical-note-financial-inclusion-tunisia-low-income-households-micro-enterprises https://hdl.handle.net/10986/22497 |
work_keys_str_mv |
AT worldbankgroup financialinclusionintunisia AT worldbankgroup inclusionfinanciereentunisiepopulationsabasrevenusetmicroentreprises AT worldbankgroup etatdeslieuxinclusionfinanciereentunisiepopulationsabasrevenusetmicroentreprises AT worldbankgroup lowincomehouseholdsandmicroenterprises |
_version_ |
1807159723070324736 |
spelling |
dig-okr-10986224972024-08-07T20:20:08Z Financial Inclusion in Tunisia Inclusion financière en Tunisie : Populations à bas revenus et micro-entreprises Inclusion financière en Tunisie : populations à bas revenus et micro-entreprises Etat des lieux : inclusion financière en Tunisie - populations à bas revenus et micro-entreprises Low-Income Households and Micro-Enterprises World Bank Group FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES This technical note provides a snapshot of financial inclusion trends and challenges in Tunisia. It follows the recent expiration of the Coordinated Vision for the Development of Microfinance in Tunisia 2011-2014, national strategy published in 2011. This document does not examine all aspects of financial sector development, but rather concentrates specifically on financial inclusion for low-income households and micro-enterprises. Ce document adresse un état des lieux de l’inclusion financière en Tunisie alors que la Vision Concertée pour le Développement de la Microfinance en Tunisie 2011-2014, stratégie nationale publiée en 2011, a expiré en 2014. D’acceptation commune, l’inclusion financière fait référence à un état où l’ensemble de la population et des entreprises ont accès à des services financiers correspondant à leurs besoins: épargne, moyens de paiement et transfert de fonds, crédit, assurance. Ces services sont idéalement fournis de façon responsable et pérenne, dans un cadre réglementaire propice à leur développement, par une multitude d’acteurs formels (banques, établissements financiers non bancaires, poste, institutions de microfinance, sociétés d’assurance, sociétés de transfert de fonds, opérateurs de téléphonie mobile). Ce document ne couvre pas tous les points liés au développement du système financier pris dans son ensemble mais se concentre sur les populations à bas revenus et les microentreprises. Si la Tunisie bénéficie aujourd’hui de services d’épargne de base abordables pour les populations à bas revenus grâce au réseau postal, ainsi que d’une règlementation encourageant le microcrédit, l’offre de services financiers inclusifs reste fragmentée, incomplète et finalement peu accessible. Cette définition reprend en partie celle proposée par le CGAP, consortium de 34 bailleurs de fonds internationaux dont l’objectif est de faire avancer l’inclusion financière. Il n’existe pas de définition officielle en Tunisie. Une étude IFC de 2014 s’est concentrée sur l’inclusion financière des très petites, petites et moyennes entreprises formelles en Tunisie. Les moyens de paiements sont limités et/ou peu utilisés, les options de financement sont encore trop peu nombreuses et souvent complexes pour les entreprises (garanties requises, procédures administratives) et l’assurance est quasi-inexistante. L’offre est de plus géographiquement concentrée sur le Grand Tunis et la région côtière. 2015-08-19T13:55:10Z 2015-08-19T13:55:10Z 2015-06 Report Rapport Informe http://documents.worldbank.org/curated/en/2015/08/24865372/technical-note-financial-inclusion-tunisia-low-income-households-micro-enterprises https://hdl.handle.net/10986/22497 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank application/pdf text/plain application/pdf text/plain Washington, DC |