Publication:
Policy Note on SMEs Access to Finance in Tunisia

dc.contributor.author World Bank
dc.date.accessioned 2013-03-26T19:20:15Z
dc.date.available 2013-03-26T19:20:15Z
dc.date.issued 2009-12
dc.description.abstract The Tunisian government has long been aware of the need to support companies in their search for financing. Over the last decade, the government has strengthened legal and regulatory frameworks in this area, created public financing systems, facilitated the development of financial markets and helped to expand the supply of financial products, especially those geared at SMEs. SMEs play a vital role in Tunisia because at least 97.8 percent of Tunisian firms (across all sectors) fall into this category. The main consequence of the prevalence of SMEs in Tunisia s economic landscape is that all economic development strategies are de facto based on the performance of this category of companies. SMEs ability to obtain financing for their business operations and investments is therefore crucial to Tunisia s future economic development. en
dc.identifier http://documents.worldbank.org/curated/en/2009/12/16350506/tunisia-policy-note-smes-access-finance-tunisia
dc.identifier.uri http://hdl.handle.net/10986/12951
dc.language English
dc.language.iso en_US
dc.publisher Washington, DC
dc.rights CC BY 3.0 IGO
dc.rights.holder World Bank
dc.rights.uri http://creativecommons.org/licenses/by/3.0/igo/
dc.subject ACCESS TO BANK
dc.subject ACCESS TO FINANCE
dc.subject ACCESS TO FINANCIAL SERVICES
dc.subject ACCESS TO FINANCING
dc.subject ACCOUNT RECEIVABLES
dc.subject ADVANCED ECONOMIES
dc.subject AMOUNT OF COLLATERAL
dc.subject ASSET FINANCING
dc.subject AVAILABILITY OF CREDIT
dc.subject BALANCE SHEETS
dc.subject BANK ASSETS
dc.subject BANK CREDIT
dc.subject BANK FINANCING
dc.subject BANK LENDING
dc.subject BANK LOANS
dc.subject BANKING LAW
dc.subject BANKING SECTOR
dc.subject BANKING SERVICES
dc.subject BANKING SYSTEM
dc.subject BANKRUPTCY
dc.subject BANKRUPTCY LAWS
dc.subject BANKS
dc.subject BENEFICIARIES
dc.subject BENEFICIARY
dc.subject BOURSE
dc.subject BUDGET DEFICIT
dc.subject BUSINESS CENTERS
dc.subject BUSINESS CREDIT
dc.subject BUSINESS FORMATION
dc.subject BUSINESS INCUBATORS
dc.subject BUSINESS OWNERS
dc.subject BUSINESS PLANS
dc.subject CAPITAL FORMATION
dc.subject CAPITAL REQUIREMENTS
dc.subject CAPITALIZATION
dc.subject CASH FLOW
dc.subject CENTRAL BANK
dc.subject CENTRAL BANK OF TUNISIA
dc.subject COLLATERAL
dc.subject COLLATERAL REQUIREMENTS
dc.subject CONSTRAINTS ON ACCESS
dc.subject CONSULTING SERVICES
dc.subject CONSUMER CREDIT
dc.subject CONSUMER LOANS
dc.subject CONTRACT ENFORCEMENT
dc.subject CORPORATE FINANCING
dc.subject COST OF CAPITAL
dc.subject COST OF CREDIT
dc.subject COUNTRY COMPARISONS
dc.subject CREDIT BUREAU
dc.subject CREDIT BUREAUS
dc.subject CREDIT CARDS
dc.subject CREDIT GUARANTEE
dc.subject CREDIT HISTORIES
dc.subject CREDIT HISTORY
dc.subject CREDIT HISTORY INFORMATION
dc.subject CREDIT INFORMATION
dc.subject CREDIT INFORMATION SYSTEMS
dc.subject CREDIT INSTITUTION
dc.subject CREDIT INSTITUTIONS
dc.subject CREDIT REGISTRY
dc.subject CREDIT REPORTING
dc.subject CREDIT REPORTING SYSTEM
dc.subject CREDIT SCORING
dc.subject CREDIT-SCORING
dc.subject CREDITS
dc.subject CURRENT ACCOUNT
dc.subject CURRENT ACCOUNT DEFICIT
dc.subject DEBT
dc.subject DEBT FINANCING
dc.subject DEBT RATIO
dc.subject DEBTOR
dc.subject DEBTS
dc.subject DECENTRALIZATION
dc.subject DEFAULT RISK
dc.subject DEPOSIT
dc.subject DEPOSITS
dc.subject DEVELOPMENT BANKS
dc.subject DISTRIBUTION OF CREDIT
dc.subject DIVERSIFICATION
dc.subject EARNINGS
dc.subject ECONOMIC AGENTS
dc.subject ECONOMIC COOPERATION
dc.subject ECONOMIC CRISIS
dc.subject ECONOMIC DEVELOPMENT
dc.subject ECONOMIC GROWTH
dc.subject ECONOMIC INITIATIVE
dc.subject EMERGING ECONOMIES
dc.subject EMPLOYER
dc.subject ENTREPRENEURS
dc.subject EQUIPMENT
dc.subject EQUITY CAPITAL
dc.subject EQUITY INVESTMENTS
dc.subject EQUITY RATIO
dc.subject EXCHANGE RATE
dc.subject EXPENDITURES
dc.subject EXPLOITATION
dc.subject EXTERNAL FUNDS
dc.subject FACTORING
dc.subject FARMERS
dc.subject FINANCIAL ASSISTANCE
dc.subject FINANCIAL CRISIS
dc.subject FINANCIAL DATA
dc.subject FINANCIAL INFORMATION
dc.subject FINANCIAL INSTITUTIONS
dc.subject FINANCIAL LEASING
dc.subject FINANCIAL MARKET
dc.subject FINANCIAL MARKETS
dc.subject FINANCIAL PRODUCTS
dc.subject FINANCIAL SYSTEM
dc.subject FINANCING COST
dc.subject FINANCING NEEDS
dc.subject FINANCING SOURCES
dc.subject FIXED ASSET
dc.subject FIXED ASSETS
dc.subject FIXED CAPITAL
dc.subject FOREIGN BANKS
dc.subject FOREIGN INVESTOR
dc.subject FUNDING SOURCES
dc.subject GLOBAL ECONOMY
dc.subject GUARANTEE FUND
dc.subject GUARANTEE SCHEMES
dc.subject HANDICRAFTS
dc.subject INDICATORS OF ACCESS
dc.subject INDUSTRIAL ENTERPRISES
dc.subject INFLATION
dc.subject INTANGIBLE
dc.subject INTANGIBLE ASSETS
dc.subject INVESTMENT BANKS
dc.subject INVESTOR PROTECTION
dc.subject ISLAMIC FINANCE
dc.subject LACK OF COLLATERAL
dc.subject LACK OF INFORMATION
dc.subject LACK OF KNOWLEDGE
dc.subject LEGAL FRAMEWORK
dc.subject LENDERS
dc.subject LIQUIDITY
dc.subject LOAN
dc.subject LOAN APPLICATIONS
dc.subject LOAN PRODUCTS
dc.subject LOAN REQUEST
dc.subject LONG TERM ASSETS
dc.subject LONG-TERM ASSET
dc.subject LONG-TERM FUNDING
dc.subject MACROECONOMIC ENVIRONMENT
dc.subject MACROECONOMIC MANAGEMENT
dc.subject MARKET CAPITALIZATION
dc.subject MARKET DEVELOPMENT
dc.subject MATURE MARKET
dc.subject MFI
dc.subject MICROCREDIT
dc.subject MICROFINANCE
dc.subject MONETARY FUND
dc.subject MORTGAGE
dc.subject MOVABLE ASSET
dc.subject MUTUAL FUNDS
dc.subject NATIONAL GUARANTEE
dc.subject NET INTEREST MARGIN
dc.subject NEW BUSINESS
dc.subject NEW COMPANY
dc.subject NOMINAL INTEREST RATES
dc.subject NON-PERFORMING LOANS
dc.subject OPERATING COSTS
dc.subject OPERATIONAL COSTS
dc.subject OUTSTANDING CREDIT
dc.subject OUTSTANDING CREDITS
dc.subject PORTFOLIOS
dc.subject PRIMARY MARKET
dc.subject PRIVATE CREDIT
dc.subject PRIVATE CREDIT BUREAUS
dc.subject PRIVATE ENTERPRISES
dc.subject PRIVATE EQUITY
dc.subject PRIVATE INVESTMENT
dc.subject PRIVATE SECTOR FINANCING
dc.subject PRIVATIZATION
dc.subject PROFITABILITY
dc.subject PROMOTION ACTIVITIES
dc.subject PUBLIC BANK
dc.subject PUBLIC BANKS
dc.subject PUBLIC CREDIT
dc.subject PUBLIC REGISTRIES
dc.subject RATE OF RETURN
dc.subject REAL ESTATE
dc.subject REAL ESTATE LOANS
dc.subject RECESSION
dc.subject REGISTRATION SYSTEMS
dc.subject REGULATORY FRAMEWORKS
dc.subject REPAYMENT
dc.subject REPAYMENT CAPACITY
dc.subject RETAINED EARNINGS
dc.subject RISK SHARING
dc.subject RISK TAKING
dc.subject SECONDARY MARKET
dc.subject SEED FUNDS
dc.subject SELF FINANCE
dc.subject SELF-FINANCING
dc.subject SETTLEMENT
dc.subject SHORT-TERM FINANCING
dc.subject SMALL ENTERPRISES
dc.subject SOCIAL DEVELOPMENT
dc.subject SOURCE OF INFORMATION
dc.subject START-UP
dc.subject START-UPS
dc.subject STOCK EXCHANGE
dc.subject STOCK MARKET
dc.subject STOCK MARKET DEVELOPMENT
dc.subject SUPPLY OF FINANCING
dc.subject TECHNICAL ASSISTANCE
dc.subject TELECOMMUNICATIONS
dc.subject TERM CREDIT
dc.subject TERM CREDITS
dc.subject TRADING
dc.subject TRANSACTION
dc.subject TRANSPARENCY
dc.subject TRANSPORT
dc.subject UNEMPLOYMENT
dc.subject UNION
dc.subject UNIVERSAL BANKS
dc.subject VALUATION
dc.subject VENTURE CAPITAL
dc.subject VENTURE CAPITAL FIRMS
dc.subject VENTURE CAPITAL INVESTMENT
dc.subject VENTURE CAPITALISTS
dc.subject WORKING CAPITAL
dc.title Policy Note on SMEs Access to Finance in Tunisia en
dspace.entity.type Publication
okr.date.disclosure 2012-06-08
okr.doctype Economic & Sector Work :: Policy Note
okr.doctype Economic & Sector Work
okr.docurl http://documents.worldbank.org/curated/en/2009/12/16350506/tunisia-policy-note-smes-access-finance-tunisia
okr.globalpractice Finance and Markets
okr.identifier.externaldocumentum 000426104_20120608170931
okr.identifier.internaldocumentum 16350506
okr.identifier.report 69431
okr.language.supported en
okr.pdfurl http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2012/06/08/000426104_20120608170931/Rendered/PDF/694310ESW0P1080nance0English0Final.pdf en
okr.region.administrative Middle East and North Africa
okr.region.country Tunisia
okr.sector Finance :: Micro- and SME finance
okr.sector Industry and trade
okr.theme Financial and private sector development :: Other financial and private sector development
okr.theme Financial and private sector development :: Small and medium enterprise support
okr.topic Finance and Financial Sector Development :: Financial Intermediation
okr.topic Banks and Banking Reform
okr.topic Finance and Financial Sector Development :: Debt Markets
okr.topic Finance and Financial Sector Development :: Access to Finance
okr.topic Finance and Financial Sector Development :: Bankruptcy and Resolution of Financial Distress
okr.unit Finance & Private Sector Dev. (MNSF1)
okr.volume 1 of 1
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