Publication:
Financial Inclusion in Tunisia: Low-Income Households and Micro-Enterprises

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dc.contributor.authorWorld Bank Group
dc.date.accessioned2015-08-19T13:55:10Z
dc.date.available2015-08-19T13:55:10Z
dc.date.issued2015-06
dc.description.abstractThis 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.en
dc.description.abstractCe 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.fr
dc.identifierhttp://documents.worldbank.org/curated/en/2015/08/24865372/technical-note-financial-inclusion-tunisia-low-income-households-micro-enterprises
dc.identifier.doi10.1596/22497
dc.identifier.urihttps://hdl.handle.net/10986/22497
dc.languageEnglish
dc.language.isoen_US
dc.publisherWashington, DC
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectFINANCIAL SYSTEM DEVELOPMENT
dc.subjectBUSINESS OWNERS
dc.subjectEMPOWERMENT
dc.subjectMONETARY POLICY
dc.subjectSAVINGS SERVICES
dc.subjectDEPOSIT
dc.subjectFINANCIAL SERVICES
dc.subjectBORROWER
dc.subjectECONOMIC GROWTH
dc.subjectDEPOSITS
dc.subjectPEOPLE
dc.subjectCAPITAL ACCUMULATION
dc.subjectMONEY LAUNDERING
dc.subjectFINANCING
dc.subjectMICRO-ENTERPRISES
dc.subjectINTEREST
dc.subjectGUARANTEES
dc.subjectEMPLOYMENT OPPORTUNITIES
dc.subjectSAVINGS ACCOUNTS
dc.subjectINTEREST RATE
dc.subjectINSURANCE SERVICES
dc.subjectBANKING SERVICES
dc.subjectBANK ACCOUNT
dc.subjectENTREPRENEURS
dc.subjectINEQUALITIES
dc.subjectEXCLUSION
dc.subjectREVENUES
dc.subjectMONEY TRANSFER
dc.subjectFORMAL FINANCIAL SECTOR
dc.subjectMONEY-LENDERS
dc.subjectINSURANCE POLICIES
dc.subjectFINANCIAL DIFFICULTY
dc.subjectLOAN
dc.subjectVENTURE CAPITAL FIRMS
dc.subjectLOAN AMOUNT
dc.subjectBORROWERS
dc.subjectAVERAGE BALANCE
dc.subjectPAYMENTS
dc.subjectBANKRUPTCY
dc.subjectCURRENT ACCOUNTS
dc.subjectMFIS
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectINCOME- GENERATING ACTIVITIES
dc.subjectECONOMIC ACTIVITY
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectFORMAL FINANCIAL SERVICE
dc.subjectINTERNATIONAL FINANCE
dc.subjectANTI-MONEY LAUNDERING
dc.subjectEXPATRIATE
dc.subjectSAVINGS
dc.subjectINDEBTEDNESS
dc.subjectFINANCIAL NEEDS
dc.subjectFINANCIAL INSTITUTION
dc.subjectCHECKING ACCOUNT
dc.subjectPARTIAL CREDIT
dc.subjectCURRENCY EXCHANGE
dc.subjectUNION
dc.subjectCURRENT ACCOUNT
dc.subjectFINANCES
dc.subjectINTEREST RATES
dc.subjectECONOMIC EMPOWERMENT
dc.subjectFIRST LOANS
dc.subjectPAYMENTS SERVICES
dc.subjectPAYMENT
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectDEBT
dc.subjectLIMITED ACCESS
dc.subjectFINANCING NEEDS
dc.subjectFINANCIAL PRODUCTS
dc.subjectMICRO-ENTREPRENEURS
dc.subjectLENDERS
dc.subjectSOCIAL SECURITY
dc.subjectVENTURE CAPITAL
dc.subjectLOANS
dc.subjectENTERPRISES
dc.subjectFARMERS
dc.subjectELECTRONIC PAYMENTS
dc.subjectAGRICULTURAL BANK
dc.subjectASSET ACCUMULATION
dc.subjectFINANCIAL SYSTEM
dc.subjectSMALLHOLDERS
dc.subjectFINANCE
dc.subjectFOREIGN CURRENCY
dc.subjectBANKS
dc.subjectSMALL LOANS
dc.subjectUNIONS
dc.subjectUNEMPLOYMENT
dc.subjectINVESTMENT BANKS
dc.subjectGRANT
dc.subjectFORMAL FINANCIAL INSTITUTION
dc.subjectCAPITAL
dc.subjectOPERATING COSTS
dc.subjectSMALL ENTERPRISES
dc.subjectBASIC NEEDS
dc.subjectWOMAN
dc.subjectFAMILY
dc.subjectACCESS TO FINANCE
dc.subjectNEW COMPANIES
dc.subjectINCOME-GENERATING ACTIVITIES
dc.subjectFINANCIAL EXCLUSION
dc.subjectBANK
dc.subjectMICRO- ENTREPRENEURS
dc.subjectMAXIMUM LOAN AMOUNT
dc.subjectCREDIT
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectUNIVERSAL ACCESS
dc.subjectINVESTMENT BANK
dc.subjectDEBT COLLECTION
dc.subjectLOAN CONDITIONS
dc.subjectWORKING CAPITAL
dc.subjectHOUSEHOLD
dc.subjectAUTOMATIC TELLER
dc.subjectACCESS TO SAVINGS
dc.subjectFINANCIAL EDUCATION
dc.subjectREPAYMENT
dc.subjectREPAYMENT RATES
dc.subjectENTERPRISE
dc.subjectFINANCIAL ACCOUNT
dc.subjectUNIVERSAL BANKS
dc.subjectDEMAND FOR SAVINGS
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectJOB CREATION
dc.subjectCASH MANAGEMENT
dc.subjectINSURANCE PREMIUM
dc.subjectCREDIT GUARANTEE
dc.subjectFINANCIAL SERVICE
dc.subjectCREDIT BUREAU
dc.subjectDIVERSIFICATION
dc.subjectPOSTAL SAVINGS
dc.subjectMICROCREDIT
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectPROFITABILITY
dc.subjectACCESS TO CREDIT
dc.subjectMICROFINANCE
dc.subjectECONOMIC OPPORTUNITIES
dc.subjectMONEY ORDERS
dc.subjectBANK LOAN
dc.subjectSECURITY
dc.subjectBANK LOANS
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectINVESTMENT
dc.subjectOUTSTANDING DEBT
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectCOMMERCIAL BANKS
dc.subjectHOUSEHOLDS
dc.subjectPAYMENT SERVICES
dc.subjectEQUALITY
dc.subjectLOAN SIZE
dc.subjectCAPITAL REQUIREMENT
dc.subjectSTUDENTS
dc.subjectINVESTMENTS
dc.subjectBORROWING
dc.subjectRISK MANAGEMENT
dc.subjectTECHNICAL SUPPORT
dc.subjectDEBIT CARD
dc.subjectFEES
dc.subjectHOME IMPROVEMENT
dc.subjectFAMILIES
dc.subjectWOMEN
dc.subjectPUBLIC BANKS
dc.subjectOUTREACH
dc.subjectOUTSTANDING LOANS
dc.subjectBANK BRANCHES
dc.subjectENTREPRENEUR
dc.subjectFINANCIAL SYSTEMS
dc.subjectARREARS
dc.subjectLENDING CONDITIONS
dc.subjectMONEY TRANSFERS
dc.subjectCREDIT INSTITUTIONS
dc.subjectSMALL BUSINESSES
dc.subjectCREDIT LINES
dc.subjectGUARANTEE
dc.subjectSAVINGS BANK
dc.subjectDEVELOPMENT BANK
dc.subjectCREDIT REGISTRY
dc.subjectCONSUMER PROTECTION
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectINEQUALITY
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMFI
dc.subjectEMPLOYEES
dc.titleFinancial Inclusion in Tunisiaen
dc.titleInclusion financière en Tunisie : Populations à bas revenus et micro-entreprisesfr
dc.title.alternativeInclusion financière en Tunisie : populations à bas revenus et micro-entreprisesen
dc.title.alternativeEtat des lieux : inclusion financière en Tunisie - populations à bas revenus et micro-entreprisesfr
dc.title.subtitleLow-Income Households and Micro-Enterprisesen
dc.typeReporten
dc.typeRapportfr
dc.typeInformees
dspace.entity.typePublication
okr.date.disclosure2015-08-03
okr.date.doiregistration2025-05-07T11:51:13.965814Z
okr.doctypeEconomic & Sector Work
okr.doctypeEconomic & Sector Work::Other Financial Sector Study
okr.docurlhttp://documents.worldbank.org/curated/en/2015/08/24865372/technical-note-financial-inclusion-tunisia-low-income-households-micro-enterprises
okr.globalpracticeFinance and Markets
okr.guid519931467991909092
okr.guid861061467998506998
okr.guid524821467994626340
okr.identifier.externaldocumentum090224b0831354a8_3_0
okr.identifier.internaldocumentum24865372
okr.identifier.report96222
okr.language.supporteden
okr.language.supportedfr
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2015/08/03/090224b0830486ca/1_0/Rendered/PDF/Financial0incl0hot000technical0note.pdfen
okr.pdfurlhttp://documents.worldbank.org/curated/en/519931467991909092/pdf/96222-REVISED-Box393219B-PUBLIC-FRENCH-2015-Snapshot-Inclusion-Financiere-Tunisie-FR-10-06.pdffr
okr.region.administrativeMiddle East and North Africa
okr.sectorFinance
okr.sectorMicrofinance
okr.themeFinancial and private sector development
okr.themeMicro, Small and Medium Enterprise support
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicFinance and Financial Sector Development::Bankruptcy and Resolution of Financial Distress
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicPrivate Sector Development::Emerging Markets
okr.topicFinance and Financial Sector Development::Banks & Banking Reform
okr.topicFinance and Financial Sector Development::Finance and Development
okr.topicFinance and Financial Sector Development::Financial Intermediation
okr.topicFinance and Financial Sector Development::Financial Structures
okr.topicFinance and Financial Sector Development::Microfinance
okr.txturlhttp://documents.worldbank.org/curated/en/519931467991909092/text/96222-REVISED-Box393219B-PUBLIC-FRENCH-2015-Snapshot-Inclusion-Financiere-Tunisie-FR-10-06.txtfr
okr.unitFM GP MNA-1 - IBRD (GFM05)
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