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

Author

Listed:
  • François Doligez
  • Mohamed Mehdi Mejdoub
  • Frédéric Bunge
  • Jean-Yves Gourvez
  • Abdelwaheb M’Kacher

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.

Suggested Citation

  • François Doligez & Mohamed Mehdi Mejdoub & Frédéric Bunge & Jean-Yves Gourvez & Abdelwaheb M’Kacher, 2016. "Quelles perspectives pour l’émergence d’une microfinance « solidaire » ?. Le cas des associations de microcrédit en Tunisie," Revue Tiers-Monde, Armand Colin, vol. 0(1), pages 49-76.
    • Handle: RePEc:cai:rtmarc:rtm_225_0049
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