Quelles perspectives pour l’émergence d’une microfinance « solidaire » ?. Le cas des associations de microcrédit en Tunisie

François Doligez, Mohamed Mehdi Mejdoub, Frédéric Bunge, Jean-Yves Gourvez and Abdelwaheb M’Kacher

Revue Tiers-Monde, 2016, vol. N° 225, issue 1, 49-76

Abstract: Before 2011, the Tunisian microfinance sector was built on a ?duopoly? between a public bank, the Banque tunisienne de solidarité (BTS), which had a monopoly over the financing of local microcredit associations (AMC), and a microfinance institution (ENDA-Inter-arabe). The changes set in motion by the authorities since the Revolution have brought new actors to microfinance, while also triggering a crisis for microcredit associations, which are the intermediaries for public financing in the sector. The article analyzes how the recent evolution seems to make it unlikelier for innovative, hybrid approaches which allow for local financing in peripheral areas with respect to the Tunisian development model to take root, while increasing the risk of the commercialism of microfinance and of its concentration.

Keywords: Microcredit; association; Tunisia (search for similar items in EconPapers)
Date: 2016
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