Tunisia to Launch Honor Loan in 2026

The financial and banking system in Tunisia is preparing to officially implement the "Honor Loan" mechanism starting from October 1, 2026, after completing the necessary legislative and regulatory procedures. This financing approach aims to enable broad segments of Tunisians, especially those currently without access to banking services, to obtain interest-free loans (0%) with minimal guarantees, in order to improve their financial situation and promote financial inclusion. To qualify for this loan, applicants must have a bank account, which could facilitate the opening of accounts and encourage expanding the beneficiary base, particularly from the informal sector. However, some experts believe that the impact of this mechanism on increasing financial inclusion will be limited, given banks’ strict verification of borrowers’ repayment ability and the projected number of loans to be granted—no more than 12,000 beneficiaries. This initiative is part of a regulatory process that began in 2024, aimed at enhancing financial inclusion and reducing financial exclusion in Tunisia.

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