{"id":138446,"date":"2025-07-11T13:45:29","date_gmt":"2025-07-11T11:45:29","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=138446"},"modified":"2025-07-11T13:45:46","modified_gmt":"2025-07-11T11:45:46","slug":"ubci-soffre-daam-tamweel-pour-renforcer-son-positionnement-dans-la-microfinance","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=138446","title":{"rendered":"UBCI s\u2019offre DAAM TAMWEEL pour renforcer son positionnement dans la microfinance"},"content":{"rendered":"<h4 style=\"font-weight: 400;\"><em>Tunis, le 11 juillet 2025 \u2013 Par la r\u00e9daction de L\u2019Expert Journal<\/em><\/h4>\n<h4 style=\"font-weight: 400;\">Dans un mouvement strat\u00e9gique marquant, l\u2019Union Bancaire pour le Commerce et l\u2019Industrie (UBCI) a annonc\u00e9 la signature, le 4 juillet 2025, d\u2019un accord en vue de l\u2019acquisition d\u2019une participation majoritaire dans le capital de la soci\u00e9t\u00e9 Centre Financier aux Entrepreneurs (CFE), op\u00e9rant sous l\u2019enseigne commerciale\u00a0<em>DAAM TAMWEEL<\/em>, un acteur reconnu dans le secteur de la microfinance en Tunisie.<\/h4>\n<h4 style=\"font-weight: 400;\">L\u2019op\u00e9ration, qui reste conditionn\u00e9e \u00e0 l\u2019obtention des autorisations r\u00e9glementaires requises, traduit une volont\u00e9 claire de la banque de diversifier son offre, d&rsquo;\u00e9tendre son empreinte territoriale et de s\u2019inscrire dans une dynamique d\u2019inclusion financi\u00e8re. Cette acquisition s\u2019inscrit dans le prolongement des priorit\u00e9s nationales qui visent \u00e0 faciliter l\u2019acc\u00e8s au financement pour les tr\u00e8s petites entreprises (TPE), les autoentrepreneurs et les populations \u00e9loign\u00e9es du circuit bancaire classique.<\/h4>\n<h4 style=\"font-weight: 400;\"><strong>Un pas strat\u00e9gique vers l\u2019inclusion financi\u00e8re<\/strong><\/h4>\n<h4 style=\"font-weight: 400;\">En int\u00e9grant\u00a0<em>DAAM TAMWEEL<\/em>\u00a0dans son giron, l\u2019UBCI s\u2019ouvre \u00e0 un segment en pleine croissance : celui du financement de proximit\u00e9. Pr\u00e9sente dans plusieurs r\u00e9gions int\u00e9rieures,\u00a0<em>DAAM TAMWEEL<\/em>\u00a0s\u2019est impos\u00e9e ces derni\u00e8res ann\u00e9es comme une institution de microfinance innovante, sp\u00e9cialis\u00e9e dans l&rsquo;accompagnement des entrepreneurs et des projets \u00e0 forte valeur ajout\u00e9e locale. Ce maillage territorial constitue un levier pour l\u2019UBCI qui cherche \u00e0 densifier sa pr\u00e9sence dans des zones \u00e0 fort potentiel mais historiquement sous-bancaris\u00e9es.<\/h4>\n<h4 style=\"font-weight: 400;\">\u00ab Cette d\u00e9marche s\u2019inscrit dans une logique de compl\u00e9mentarit\u00e9 strat\u00e9gique \u00bb, souligne l\u2019UBCI dans son communiqu\u00e9, rappelant sa volont\u00e9 de participer activement au d\u00e9veloppement local et \u00e0 la r\u00e9duction des in\u00e9galit\u00e9s r\u00e9gionales d\u2019acc\u00e8s au cr\u00e9dit.<\/h4>\n<h4 style=\"font-weight: 400;\"><strong>Une op\u00e9ration \u00e0 fort enjeu r\u00e9glementaire<\/strong><\/h4>\n<h4 style=\"font-weight: 400;\">L\u2019aboutissement de l\u2019accord est suspendu \u00e0 l\u2019obtention des autorisations des autorit\u00e9s comp\u00e9tentes, notamment le Conseil du March\u00e9 Financier (CMF) et probablement la Banque Centrale de Tunisie (BCT), \u00e9tant donn\u00e9 la nature financi\u00e8re de l\u2019op\u00e9ration. La transparence sur les prochaines \u00e9tapes est d\u2019ores et d\u00e9j\u00e0 assur\u00e9e par l\u2019UBCI, qui a promis de tenir le march\u00e9 inform\u00e9 de tout d\u00e9veloppement pertinent dans le cadre de cette acquisition.<\/h4>\n<h4 style=\"font-weight: 400;\"><strong>Une tendance r\u00e9gionale<\/strong><\/h4>\n<h4 style=\"font-weight: 400;\">Cette op\u00e9ration s\u2019inscrit \u00e9galement dans une tendance plus large qui touche l\u2019ensemble de la r\u00e9gion MENA, o\u00f9 les grandes banques s\u2019int\u00e9ressent de plus en plus aux institutions de microfinance comme relais de croissance et outil d\u2019ancrage social. En int\u00e9grant un acteur sp\u00e9cialis\u00e9 comme\u00a0<em>DAAM TAMWEEL<\/em>, l\u2019UBCI suit l\u2019exemple de plusieurs grandes banques africaines qui investissent dans des structures agiles, proches des r\u00e9alit\u00e9s du terrain, capables de financer les segments d\u00e9laiss\u00e9s par le syst\u00e8me bancaire traditionnel.<\/h4>\n<h4 style=\"font-weight: 400;\"><strong>Perspectives<\/strong><\/h4>\n<h4 style=\"font-weight: 400;\">Pour les observateurs du secteur bancaire tunisien, cette annonce refl\u00e8te un tournant strat\u00e9gique. Apr\u00e8s plusieurs ann\u00e9es marqu\u00e9es par des politiques de recentrage, l\u2019UBCI affiche d\u00e9sormais des ambitions de croissance externe cibl\u00e9e, orient\u00e9e vers des secteurs \u00e0 impact. Si l\u2019op\u00e9ration se concr\u00e9tise, elle permettra \u00e0 la banque de consolider son r\u00f4le d\u2019acteur cl\u00e9 dans la transformation du paysage financier tunisien, tout en r\u00e9pondant \u00e0 un double imp\u00e9ratif : rentabilit\u00e9 et utilit\u00e9 sociale.<\/h4>\n","protected":false},"excerpt":{"rendered":"<p>Tunis, le 11 juillet 2025 \u2013 Par la r\u00e9daction de L\u2019Expert Journal Dans un mouvement strat\u00e9gique marquant, l\u2019Union Bancaire pour le Commerce et l\u2019Industrie (UBCI) a annonc\u00e9 la signature, le 4 juillet 2025, d\u2019un accord en vue de l\u2019acquisition d\u2019une participation majoritaire dans le capital de la soci\u00e9t\u00e9 Centre Financier aux Entrepreneurs (CFE), op\u00e9rant sous [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":138447,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-138446","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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