Tunisia's Loyalty Loan System Balances Inclusion and Consumption
The financial and banking system in Tunisia is preparing to implement the "Trust Loan" mechanism without interest (0%) starting from October 1, 2026. The goal is to promote financial inclusion and facilitate wider access to banking finance for Tunisians with minimal guarantees. This mechanism follows the issuance of a law related to interest-free financing and includes exemptions for borrowers from interest charges and study expenses, offering flexible repayment options of up to two years and grace periods of up to six months. While some experts believe it could help increase the number of bank account openings, others expect that the number of beneficiaries will not exceed 12,000 individuals, given the strict banking rules and repayment capacity standards. The program aims to improve the financial situation of citizens—especially those dealing in cash—by easing access to funds for purchasing small equipment or supporting small projects, with a focus on transparency and simplified procedures through an electronic platform dedicated to each bank.
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