{"id":141746,"date":"2026-09-01T19:57:43","date_gmt":"2026-09-01T17:57:43","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=141746"},"modified":"2026-09-01T19:57:43","modified_gmt":"2026-09-01T17:57:43","slug":"institution-de-microfinance-un-portefeuille-a-risque-de-5-15","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=141746","title":{"rendered":"Institution de Microfinance : un portefeuille \u00e0 risque de 5.15%"},"content":{"rendered":"<p>Avec le durcissement du cr\u00e9dit au niveau des banques, les institutions de microfinance sont devenues un alli\u00e9 incontournable pour les m\u00e9nages et les micro entreprises tunisiennes. Malgr\u00e9 que ce type de clients et la nature des cr\u00e9dits sont tr\u00e8s risqu\u00e9s, les institutions de microfinance arrivent \u00e0 le ma\u00eetriser \u00e0 des niveaux raisonnables.<\/p>\n<p>Selon l\u2019Autorit\u00e9 de Contr\u00f4le de la Microfinance, les d\u00e9caissements qui ont \u00e9t\u00e9 r\u00e9alis\u00e9es par les IMF au mois de Juillet 2026 ont atteint 225.2 millions de dinars sur 40843 cr\u00e9dits. Au mois de Juillet 2026, le nombre de clients actifs avec doublon au niveau des IMF atteint 718.345. Sur l\u2019ensemble l\u2019encours des cr\u00e9dits octroy\u00e9s par les IMF a atteint 2 884,7 MD.<\/p>\n<p>La qualit\u00e9 du portefeuille des IMF est tr\u00e8s sain avec plus de 94.85% qui n\u2019ont aucun jour de retard, 2.09% des cr\u00e9dits avec un retard de paiement entre 1 \u00e0 30 jours et 2.08% des cr\u00e9dits avec un retard \u00e0 plus de 90 jours. En g\u00e9n\u00e9ral le portefeuille \u00e0 risque pour les IMF ne repr\u00e9sente que 5.15% de l\u2019ensemble des cr\u00e9dits donn\u00e9es.<\/p>\n<p>Il faut signaler au passage que 24.4 millions de dinars de cr\u00e9dits ont \u00e9t\u00e9 radi\u00e9s durant le mois de Juillet 2026 par les IMF.<\/p>\n<p>Malgr\u00e9 des taux d\u2019int\u00e9r\u00eat qui peuvent atteindre les 30%, les clients des IMF sont solvables globalement. Le service de recouvrement des IMF effectue un travail \u00e9norme sur ce point.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avec le durcissement du cr\u00e9dit au niveau des banques, les institutions de microfinance sont devenues un alli\u00e9 incontournable pour les m\u00e9nages et les micro entreprises tunisiennes. Malgr\u00e9 que ce type de clients et la nature des cr\u00e9dits sont tr\u00e8s risqu\u00e9s, les institutions de microfinance arrivent \u00e0 le ma\u00eetriser \u00e0 des niveaux raisonnables. Selon l\u2019Autorit\u00e9 de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":141747,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-141746","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>Institution de Microfinance : un portefeuille \u00e0 risque de 5.15% - 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=141746\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Institution de Microfinance : un portefeuille \u00e0 risque de 5.15%\" \/>\n<meta property=\"og:description\" content=\"Avec le durcissement du cr\u00e9dit au niveau des banques, les institutions de microfinance sont devenues un alli\u00e9 incontournable pour les m\u00e9nages et les micro entreprises tunisiennes. Malgr\u00e9 que ce type de clients et la nature des cr\u00e9dits sont tr\u00e8s risqu\u00e9s, les institutions de microfinance arrivent \u00e0 le ma\u00eetriser \u00e0 des niveaux raisonnables. 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