{"id":139608,"date":"2026-01-27T15:10:34","date_gmt":"2026-01-27T14:10:34","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=139608"},"modified":"2026-01-27T15:10:34","modified_gmt":"2026-01-27T14:10:34","slug":"la-bts-une-banque-reellement-solidaire","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=139608","title":{"rendered":"La BTS : Une banque r\u00e9ellement solidaire"},"content":{"rendered":"<h3>Pour tous ceux qui accusent les institutions de l\u2019Etat de ne pas fonctionner pour l\u2019int\u00e9r\u00eat g\u00e9n\u00e9ral, on leur apporte le contre exemple. La Banque Tunisienne de Solidarit\u00e9 est l\u2019une des institutions \u00e9tatiques qui nous apporte une grande fiert\u00e9. En pleine intemp\u00e9ries, et alors que certains sont en train d\u2019\u00e9valuer les d\u00e9g\u00e2ts, d\u00e9blayer les routes, la Banque a mis en place une ligne de cr\u00e9dit pour venir au secours des agriculteurs sinistr\u00e9s. Une r\u00e9activit\u00e9 et un sens du devoir in\u00e9gal\u00e9s, qui confirment que cette Banque est r\u00e9ellement solidaire et elle le prouve.<\/h3>\n<h3><\/h3>\n<h3>Une ligne de cr\u00e9dit de 12 millions de dinars a \u00e9t\u00e9 mise en place en quelques heures <strong>destin\u00e9e aux agriculteurs du secteur des cultures mara\u00eech\u00e8res dans les r\u00e9gions touch\u00e9es \u00e0 savoir <\/strong>Nabeul, Monastir, Bizerte, l&rsquo;Ariana, la Manouba et Ben Arous.<strong>.<\/strong><\/h3>\n<h3>Les agriculteurs sinistr\u00e9s b\u00e9n\u00e9ficieront de pr\u00eats sans garanties ni apport personnel, avec un plafond de 10.000 dinars, et une dur\u00e9e de remboursement pouvant atteindre trois ans, ainsi qu\u2019une p\u00e9riode de gr\u00e2ce variable, selon la nature des activit\u00e9s agricoles.<\/h3>\n<h3>La Banque n\u2019a pas suivi les d\u00e9marches orthodoxes de l\u2019administration tunisienne avec un temps pour l\u2019\u00e9valuation de la situation, la r\u00e9ception des dossiers, et un autre temps pour les examiner en commission et donner les accords, pour enfin aboutir au d\u00e9blocage. La BTS a d\u00e9j\u00e0 commenc\u00e9 \u00e0 recevoir les demandes d\u00e9s le Lundi 26 Janvier, et s\u2019est engag\u00e9e \u00e0 r\u00e9pondre au maximum dans un d\u00e9lai de 15 jours. A situation d\u2019urgence, proc\u00e9dure d\u2019urgence. Cette initiative a d\u00e9j\u00e0 confort\u00e9 plusieurs agriculteurs sinistr\u00e9s.<\/h3>\n<h3><\/h3>\n<h3>La BTS qui demeure ind\u00e9tr\u00f4nable au niveau du secteur des microc\u00e9dits solidaires, n\u2019est pas \u00e0 sa premi\u00e8re initiative. Depuis le mois de Juillet 2025 et afin de stimuler l\u2019auto-emploi et la cr\u00e9ation de microprojets, la Banque a mis en \u0153uvre une ligne de cr\u00e9dit de 20 millions de dinars pour l\u2019octroi de pr\u00eats allant jusqu\u2019\u00e0 10.000 dinars pour la cr\u00e9ation de petits projets. Ces pr\u00eats sont accord\u00e9s sans int\u00e9r\u00eats bancaires, sans apport personnel exig\u00e9 et sans garanties. Un mod\u00e8le qu\u2019on ne retrouve dans aucune banque de la place. Le remboursement est \u00e9chelonn\u00e9 sur six ans, dont une ann\u00e9e de gr\u00e2ce.<\/h3>\n<h3>L\u2019intervention de la BTS est tr\u00e8s significative aussi dans l\u2019aboutissement du projet pr\u00e9sidentiel pour la cr\u00e9ation des soci\u00e9t\u00e9s communautaires. Selon le directeur des cr\u00e9dits de la Banque la BTS a financ\u00e9 plus de 90 soci\u00e9t\u00e9s communautaires pour un montant de 21 millions de dinars, dont 50 sont d\u00e9j\u00e0 entr\u00e9es en activit\u00e9. Les cr\u00e9dits pour les soci\u00e9t\u00e9s communautaires sont donn\u00e9s avec 2 ans de gr\u00e2ce, remboursable sur 10 ans et \u00e0 un taux fixe de 5%, soit un taux inf\u00e9rieur au TMM.<\/h3>\n<h3>Pour cette ann\u00e9e, la BTS va mobiliser 400 millions de dinars pour le financement de plus de 20.000 projets contre 19.000 en 2025. On estime ainsi un minimum de 20.000 postes d\u2019emploi cr\u00e9\u00e9s en 2026, si ce n\u2019est pas plus.<\/h3>\n<h3>La BTS restera toujours un mod\u00e8le de la Banque patriote et solidaire. Pourvu que les autres banques s\u2019inspirent.<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Pour tous ceux qui accusent les institutions de l\u2019Etat de ne pas fonctionner pour l\u2019int\u00e9r\u00eat g\u00e9n\u00e9ral, on leur apporte le contre exemple. La Banque Tunisienne de Solidarit\u00e9 est l\u2019une des institutions \u00e9tatiques qui nous apporte une grande fiert\u00e9. En pleine intemp\u00e9ries, et alors que certains sont en train d\u2019\u00e9valuer les d\u00e9g\u00e2ts, d\u00e9blayer les routes, la [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":139609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-139608","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) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La BTS : Une banque r\u00e9ellement solidaire - L&#039;expert Journal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lexpertjournal.net\/fr\/?p=139608\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La BTS : Une banque r\u00e9ellement solidaire\" \/>\n<meta property=\"og:description\" content=\"Pour tous ceux qui accusent les institutions de l\u2019Etat de ne pas fonctionner pour l\u2019int\u00e9r\u00eat g\u00e9n\u00e9ral, on leur apporte le contre exemple. La Banque Tunisienne de Solidarit\u00e9 est l\u2019une des institutions \u00e9tatiques qui nous apporte une grande fiert\u00e9. En pleine intemp\u00e9ries, et alors que certains sont en train d\u2019\u00e9valuer les d\u00e9g\u00e2ts, d\u00e9blayer les routes, la [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lexpertjournal.net\/fr\/?p=139608\" \/>\n<meta property=\"og:site_name\" content=\"L&#039;expert Journal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Samya.Ayari.tn\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-27T14:10:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2026\/01\/bts.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lexpert\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lexpert\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139608#article\",\"isPartOf\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139608\"},\"author\":{\"name\":\"Lexpert\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/65d2c89a6ae700ca94d3873874b3ae31\"},\"headline\":\"La BTS : Une banque r\u00e9ellement solidaire\",\"datePublished\":\"2026-01-27T14:10:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139608\"},\"wordCount\":565,\"publisher\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139608#primaryimage\"},\"thumbnailUrl\":\"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2026\/01\/bts.jpg\",\"articleSection\":[\"Actualit\u00e9s\",\"Economie\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139608\",\"url\":\"https:\/\/lexpertjournal.net\/fr\/?p=139608\",\"name\":\"La BTS : Une banque r\u00e9ellement solidaire - 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