Microfinance Sector Statistics for Q1 2025: Key Indicators and Trends
The microfinance sector statistics for the first quarter of 2025 are now available, and certain figures warrant particular attention.
Active Client Base Continues to Grow
The first notable indicator is the number of active clients, which reached 804,846 as of March 2025, compared to 769,526 the previous year. This continued growth testifies to the attractiveness of the product, thanks to the simplicity of procedures and the absence of complexity in traditional banking operations. The total outstanding balance has reached 2,596,216 Mtnd, up from 2,254,612 Mtnd during the same period in 2024.
At this pace, the 3 billion dinar threshold is expected to be crossed by the end of the year.
Disbursements Reach 564,892 Mtnd
The second significant figure concerns the disbursements made during the first three months of the year, which amount to 564,892 Mtnd.
It is clear that the 2 billion dinar mark will be exceeded for the third consecutive year, illustrating the local consumption dynamics, a key driver of GDP growth.
PAR 30 Rate Remains Under Control
The third indicator to highlight is the PAR 30 (Portfolio at Risk 30 days) rate, which reflects the frequency of payment defaults.
Including written-off claims, it stands at 3.79%, a rate significantly lower than the banking sector average. Risk management remains under control, although it is being put to the test by the intensification of activity.
Microfinance Reaches a Broader Client Base
Finally, 179,488 individuals and legal entities have obtained financing from both credit institutions and microfinance institutions (MFIs), representing 22.3% of the active population in the microfinance sector.
Their outstanding balance with banks and leasing companies stood at 3,384 Mtnd as of March 2025. These figures show that microfinance is no longer limited to those excluded from the banking system but also attracts established entities drawn to the simplicity of procedures and flexibility compared to other sources of financing.
However, the risk indicators related to these "cross-over" clients (with financing from both MFIs and banks/leasing) must be closely monitored: their PAR 30 value has increased from 26,000 Mtnd to 29,600 Mtnd, and as a percentage, from 3.3% to 3.8% between March 2024 and March 2025.
Enhanced vigilance is therefore necessary in terms of risk management.
