As of October 1, 2026, Tunisian banks will start receiving applications for interest-free loans and micro-financing through digital platforms. This initiative is in line with decree number 148 of 2026, issued on July 23, 2026, which regulates the allocation of interest-free micro-financing to various categories. The decree outlines specific financial ceilings for different categories, including small project owners with investments not exceeding 150,000 dinars, small and medium-sized enterprises with investments between 150,000 dinars and 15 million dinars, and individuals.
The decree specifies that the maximum loan amount for individuals is 5,000 dinars, while small projects with investments not exceeding 150,000 dinars can receive up to 10,000 dinars. Small and medium-sized enterprises and non-profit organizations can receive up to 25,000 dinars. The loan repayment period is capped at two years, with a possible six-month grace period. The Central Bank of Tunisia had set October 1 as the deadline for banks to adopt digital platforms for receiving interest-free loan applications.
These digital platforms will enable applicants to register their applications and receive a confirmation slip, ensuring that applications are processed in the order they are received. The platforms will be accessible exclusively through the banks' official websites. This move aims to provide easier access to financing for small projects, individuals, and small and medium-sized enterprises.
The interest-free loans and micro-financing are designed to support small projects, individuals, and small and medium-sized enterprises. The platforms will allow applicants to submit their applications and track their progress. The digital platforms are expected to increase access to financing for those who need it.
According to the decree, the digital platforms will be used to receive and process applications for interest-free loans and micro-financing. The platforms will provide a transparent and efficient way for applicants to submit their applications and receive a confirmation slip.
The launch of these digital platforms is a significant step towards increasing access to financing for small projects, individuals, and small and medium-sized enterprises in Tunisia. The platforms will provide a convenient and efficient way for applicants to submit their applications and receive a confirmation slip.
The Tunisian government has taken a significant step towards supporting small projects, individuals, and small and medium-sized enterprises by launching these digital platforms. The platforms will provide easier access to financing and increase transparency in the application process.
Key points
- The digital platforms will be accessible exclusively through the banks' official websites.
- The loan repayment period is capped at two years, with a possible six-month grace period.
- The maximum loan amount for individuals is 5,000 dinars.
